STELLAR
SERVICE

Advice For Sellers

HELP YOUR REALTOR

   When your home is listed for sale, it may be difficult for you to step aside and let your Realtor take over. As prospective buyers arrive, you want to stand by to point out the closet extenders, the hidden spice cabinet behind the kitchen door, and the energy-saving storm windows. However, if you really want to help, you will leave the house when it is being shown!

   We have found that the sales process does not really begin until buyers begin to voice their objections about a property. Sometimes these concerns are serious enough to remove your house from consideration. People often voice objections as a defense mechanism because they really love the house and want to buy it. We are trained to know the difference. If the seller is at the agent's elbow, the buyer will not be comfortable enough to let this process take place, and we could lose the sale. The best way to help is to give us the room to do our job.

Advice For Buyers

IS OWNERS' TITLE INSURANCE A GOOD IDEA!

    If you finance your home, the lender will require you to purchase title insurance for the amount of your mortgage. You will be given the option of increasing the coverage to include your equity in the property. The owner's coverage fee is a one-time charge that protects your equity in your new home, including the appreciated value. Most experts agree that the additional coverage is a good idea.

   Before your sale is finalized, the title company will inspect the public records and confirm the sellers ownership of the property. They will look for any liens that may have been filed against the property that must be paid off before it can be sold. Even the most careful search, however, cannot guarantee that there was not an error at some point in the chain of ownership. Title insurance is one of those things you will probably never need, but if you do, you will be very glad you have it!