Kennewick, Richland and Pasco Washington real estate listings, home buying, selling and relocation information

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Titles >Do You Really Need Title Insurance

When a home is purchased, title insurance is one of the closing cost items on the closing statement. This insurance protects the buyer from defects in the title that are not discovered until after the closing. There are two kinds of title insurance--coverage that protects the lender for the balance of the mortgage if the buyers have a loan, and coverage that protects the buyers' equity in the property.

It is prudent to purchase owners' coverage because most of the title problems that arise after a closing are not from a sloppy title search, but are the result of inaccurate information in the public records. The ownership chain goes back a long way, and fraud or misrepresentation anywhere in the chain could mean big problems. Title insurance will protect you if a wife or husband did not properly sign off on the ownership papers or if the property was sold as part of an estate that was later disputed. Most people do not have to deal with the title insurance company after the closing, but this coverage could save your investment if a problem arises.

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Q	What three things are necessary in order to purchase a home?
A	Some cash, a dependable income and good credit. If you fall short, don't despair--homeownership may still be possible.
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Evelyn Cataldo, REALTORŽ, real estate agents and broker for Kennewick, Richland and Pasco Washington home listings, property and land for sale - NUMBER1EXPERT(tm)

Jerritt Wiser & Evelyn Cataldo
Coldwell Banker Tomlinson Associated Brokers
8836 W. Gage Blvd.
Kennewick, WA. 99336
Evelyn: 509-737-3114
Jerritt: 509-737-3117
Fax: 509-737-3190
Email: EvelynCataldo@NUMBER1EXPERT.com
Real estate is a business that requires knowledge, skill, empathy, and lots and lots of hard work. The reason that we have such a high referral rate and such a long string of Coldwell Bankers highest awards (Presidents Circle and Presidents Elite) is that we build lasting relationships with our clients. Our professional training (Certified Residential Specialist, Certified New Home Sales Professional) and our in-depth knowledge of the industry enable us to find just the right house for you at the best possible price. Evelyn has lived in the Tri-Cities area for nearly three decades and loves living here. In her 25 years as a Realtor she has learned that she not merely selling customers a productshe is serving their best interests. Jerritt grew up in the Tri-Cities and has been a Realtor for 4 years. He has learned the traits of becoming a great Realtor from being mentored by Evelyn. You will find us prompt, reliable, meticulously well-prepared, and always cheerfully responsive to your needs, interests and concerns. We do business like we live our life: happily, at low pressure, and with integrity. We look forward to going to work for you.

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NUMBER1EXPERTS™ in real estate for Kennewick, Richland and Pasco, Washington, new construction, single family

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