Pitfalls in Real Estate

If you are interested in investing in real estate, there are some things that you are going to want to do and common pitfalls that you are going to want to avoid. It is important to note that investing in real estate takes time, patience, and most importantly, cash. You probably shouldn’t invest in real estate until […]

Protect Your Investment

The impact of COVID-19 was swift and unexpected, leaving many people in a financial emergency. If you are a homeowner who is struggling or unable to meet your loan obligations, work with housing experts and your lender to find a solution, now. Don’t wait until you fall behind to seek help. Acting quickly may help […]

Remote Online Notarization

With COVID-19 comes new ways of doing business. Although we have always provided mobile closings  as part of our services, we are happy to share that our technology allows for Remote Online Notarization. WHAT EXACTLY IS RON? RON is when the notary is in one location and the signer is in another. Instead of being […]

Homestead Exemption Filing

What is Homestead Exemption? If you own your home, reside there permanently and are a Florida resident as of January 1, you may qualify for Homestead exemption. Homestead can reduce your taxable value on your home as much as $50,000, saving you approximately $750 annually. More importantly, your assessed value, which is used to calculate […]

Porting Tax Savings

The Florida homeowner portability benefit can reduce the tax burden for property owners moving into larger or smaller homes Portability is the ability to carry accrued property tax savings from one piece of property to another. Any homeowner who is thinking of either purchasing a larger home or downsizing to a smaller one should consider […]

How to Prepare to Finance a Home

How to Prepare to Finance a Home 1️⃣ Develop a budget.Instead of telling yourself what you’d like to spend, use receipts to create a budget that reflects your actual habits over the last several months. This approach will better factor in unexpected expenses alongside more predictable costs such as utility bills and groceries. You’ll probably spot […]

Vocabulary: Loans & Lending Terms

Vocabulary: Loans & Lending Terms Amortization With each mortgage payment, some of the money reduces the loan balance and some pays interest. This allocation is called amortization. While the earliest payments mostly cover interest, the split changes over time. That’s because as the loan gets smaller, less interest gets charged. Annual Percentage Rate (APR) The APR […]

The importance of Title Insurance

Title Insurance protects consumers from financial loss and hardship related to unknown judgments and liens, forged transfers, inconsistencies within a property’s title or misapplication of fiduciary funds. Title insurance is an exclusively American invention. Its purpose was well stated in the first advertisement for title insurance back in the late 1800s: “This company insures the purchaser’s of […]