The Buzz

4 Common Closing Delays and How To Avoid Them

Closing day should be a day for celebration, but for some, it’s a nightmare. What can you do to make sure your closing runs smoothly? Fortunately, most closings occur on schedule. According to a January 2022 survey by the National Association of Realtors, over a three-month period, respondents reported 70% of closings occurred on time, 23% were delayed and 7% were terminated. Most delays were due to problems with money, appraisals, home inspections and clouds on titles. Below are details…

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4 Ways to Improve Your Credit Score

If you want to buy a home soon, for the first time or the tenth time, you’ll need to look at your credit score. Your credit score is one of the factors a lender will look at when determining 1) if you qualify for a mortgage and 2) your interest rate on that mortgage. Higher credit scores will help you secure a lower interest rate on your mortgage, which can save you tens of thousands of dollars over the lifetime…

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Common Title Problems with Rights to Ownership

So, you think you really own your property? Here are the most common title problems that could arise and dispute your rights to ownership: 1. There’s more than one home seller (or homeowner) At the time of your purchase, you may not know that there’s another seller or homeowner, maybe a relative or an ex-spouse. This third party may surface with a claim that they actually own all or a part of your property. They would insist that the seller…

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Property Liens 101

First things first: you need to have a clear idea of what a lien is. A property lien, in simplest terms, is a legal claim a creditor can put against your property because of an unpaid debt. It is the creditor’s way of collecting debts you owe to them by intending to fund the money owed through the sale of one of your biggest assets—your home. Liens filed against a property usually come from unpaid taxes, missed mortgage payments, unpaid…

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Which Documents Should You Keep After Closing?

When you purchase a home, you need to sign an enormous pile of mortgage and closing documents, where each document can total hundreds of pages or more. The huge dilemma: they will likely take up a huge part of your storage space, so you may not want to file all of it. However, you also don’t want to throw out or destroy something crucial.  Still, it’s important to keep these documents on hand after closing on your home for future…

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More Than Half of All Buyers Are Surprised by Closing Costs

According to a survey conducted by ClosingCorp, over half of all homebuyers are surprised by the closing costs required to obtain their mortgage. After surveying 1,000 first-time and repeat homebuyers, the results revealed that 17% of homebuyers were surprised that closing costs were required at all, while another 35% were stunned by how much higher the fees were than expected. “Homebuyers reported being most surprised by mortgage insurance, followed by bank fees and points, taxes, title insurance and appraisal fees.” Bankrate.com gathered closing cost data from…

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Canton, OH 44708
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