Tag Archives: title insurance company

Title Closing | Real Estate Closings | Home Buying

callRecently, Infinity Abstract and Title held a public informational seminar that was hosted by Blick Law Firm. The seminar provided some great tips and educational information regarding real estate closings, and the expired 1099 deficiency waver law. Licensed Title Agent Debbie Macias engaged the audience with exceptional knowledge and advice, along with Certified Public Accountant, Kevin Krueger.

Infinity Abstract and Title’s Debbie Macias administered an educational discussion about what should be avoided to help ensure a smooth and successful real estate closing. While all problems cannot be anticipated, Debbie provided the audience with a helpful list of “Red Flags” to look out for in their transactions.

The  “Red Flags” include:

  • Divorce or Separation
  • Bankruptcy
  • Foreclosure
  • Recent marriage of seller or buyer
  • Liens or judgments against property owners
  • Death of property owners
  • Easements obtained or given since purchase of property
  • Known encroachments
  • Sellers or buyers that will not be present at closing
  • Power of attorney
  • Trusts
  • Shared driveways
  • Foreign sellers
  • Guardianship or incompetence of seller

A real estate closing is the final step in the home buying process, it is important to be aware of the timeline of requirements that take place upon completion of the closing.images

The buyer must first open an escrow account with a neutral third party to ensure that the buyer fully intends to complete the sale. The next five steps are necessary to protect the buyer’s interest in the home. These steps include: completing a title search, purchasing title insurance, the completion of a home and pest inspection, negotiation of closing costs, and finally locking the interest rate of the mortgage.

Once these steps are completed, it is necessary to consult a real estate attorney before moving forward with the purchase process. An experienced real estate lawyer is able to provide legal guidance, and can decipher the complex language involved in most closing documents. A real estate lawyer can also help to identify the “Red Flags” that can interfere with your closing, as well as deal with unexpected complications that may arise.

If you or a loved one is considering purchasing a home, call Blick Law Firm today at (888) 973-2776 to schedule a free 15-minute consultation with attorney Michael Blickensderfer. Think quick, call Blick!

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Real Estate Seminar | Title Insurance | CPA


blicklaw-blog-1Infinity Abstract & Title will be hosting an informational seminar from 3 to 5 p.m., on Wednesday, February 19 at the Blick Law Firm’s previous headquarters, 4351 Gunn Highway in Tampa. Licensed Title Agent Debbie Macias, will be discussing ‘Red Flags’ to look out for during Real Estate transactions. Certified Public Accountant Kevin B. Krueger, will be providing information regarding the 1099 deficiency law that expired on 12/31/2013. The seminar will include a Q&A session, and there will be light food and refreshments served.

As a division of Blick Law Firm, Infinity Abstract & Title provides title insurance and escrow services to clients throughout the entire State of Florida.

What is Title Insurance? 

Title insurance is a form of protection that is necessary when purchasing a new home or property. Unlike other forms of insurance that only protect against future loss or damage, Title Insurance protects against loss or damage produced by past events that can cause a failure or defect to the title.

A Title Company will conduct a search of public land records to discover anything that can potentially affect the title of the property. After this title search is complete, the buyer will receive Title Insurance. Some common issues that can affect the title of a property consist of:

  • Improperly prepared deeds
  • Open mortgages
  • Wills
  • Probate proceedings
  • Outstanding judgments or
  • Tax liens against the property or individuals
  • Covenants and restrictions
  • Easements

After a records search is conducted, many existing problems can still arise, and hidden hazards can still exist. Title Insurance will protect you against these potential problems and pay for any legal fees involved in defending a claim.

Real Estate AgentsTAMPA-LAW-FIRM, CHRISTIAN-LAWYERS, CHRISTIAN-ATTORNEY, BLICK-LAW-FIRM, TAMPA-LAWYERS

Realtors and title companies are prohibited from giving legal advice without a license to practice law. However, a real estate lawyer is obligated by law to disclose legal options to the homebuyer. For security and peace of mind, it is important to be aware of legal options when purchasing a home. An experienced real estate attorney can provide needed legal advice, and can interpret jargon presented in Closing documents. An attorney can also distinguish problems with your purchase documentation, as well as take care of discrepancies that can emerge during the real estate purchase process.

When purchasing a new home, it is important to seek a title company that has an experienced real estate attorney to ensure that your investment is legal and secure. Unlike other states, the state of Florida does not require homebuyers to hire an attorney for a title closing. However, buying a home is a complex process that requires legal direction. A real estate agent alone is not sufficient in handling the legal matters and ethical standards that exist when purchasing a home.

Educate Yourself

imagesA Real Estate Closing finalizes the home buying process. It is important to understand the timeline of requirements that take place in order to complete the Closing.

The first thing the buyer must do is open an escrow account with a neutral third party. The buyer will provide money that will be held in consideration of the purchase, ensuring that the buyer intends to fully complete the sale.

After the buyer opens an escrow account, there are five steps that must be followed in order to protect the buyer’s interest in the home. These steps include:

  • Completing a Title search
  • Purchasing Title Insurance
  • Completing a Home Inspection and Pest Inspection
  • Negotiating the Closing Costs; and
  • Locking the Interest Rate of the Mortgage

It is important for the buyer to follow these steps upon completion of any Real Estate transaction, and it is advisable to seek legal counsel prior to moving forward with the purchase process.

At Blick Law Firm we provide title insurance and escrow services to clients throughout the entire State of Florida. Call us today, for a free consultation.

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Real Estate: Closing, and 5 Important Steps to Follow

A Real Estate Closing is the final step of the home purchase process, whereby the buyer and seller sign the papers to transfer the ownership of the home. In order to complete this final phase of the purchase process, it is important to understand the timeline of requirements that take place leading up to the Closing.

First, a buyer must open an escrow account with a neutral third party, whereby the buyer provides earnest money to be held in consideration of the purchase in order to demonstrate good-faith that the buyer fully intends on completing the sale.

Following the opening of an escrow account, the buyer then needs to take 5 necessary steps to protect their interest in the home. These 5 steps are as follows:

  • Completing a Title search
  • Purchasing Title Insurance
  • Completing a Home inspection and Pest inspection
  • Negotiating the Closing costs; and
  • Locking the interest rate of the mortgage.

These steps are important in the completion of any Real Estate transaction, and many times it is important for the buyer to seek legal counsel prior to moving forward with the purchase process. An experienced real estate attorney can provide professional legal advice, and interpret the very complicated language involved in most Closing documents. The attorney is also capable of identifying potential problems with your purchase documentation, and can save you the hassle of dealing with unexpected complications that may arise during the Real Estate purchase process.

If you or a loved one are considering purchasing a home and need advice on what to expect, call Blick Law Firm today at (813) 931-0840. Schedule a free 15-minute consultation with attorney Michael Blickensderfer. Think quick, call Blick!

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Real Estate: What is Title Insurance?

Title insurance is a rarely understood protection necessary when purchasing a new home or property. Contrary to other forms of insurance that protect against future loss or damage, Title Insurance protects against past events that may cause loss or damage after the purchase of new property due to a failure or defect of the title.

When purchasing Title Insurance, the title company will conduct a search of public land records to discover potential matters affecting the title of the property. Common issues include: improperly prepared deeds, open mortgages, wills, probate proceedings, outstanding judgments or tax liens against the property or individuals, covenants and restrictions, and easements. After the records search, the buyer is then issued the Title Insurance.

While the records search conducted by the title company is generally exhaustive, many problems can still exist and affect the validity of the title. Disputes can still arise due to mistakes in the public record, previously undisclosed heirs claiming to own the property, and fraud…. These hidden hazards do exist, and Title Insurance will protect you against these potential problems and pay for any legal fees involved in defending a claim.

It is important to not only seek a title company for protection when purchasing a new home, but also making sure that the title company has an experienced and competent real estate attorney.

A real estate lawyer that handles and serves clients in title services is able to take legal action as needed to protect clients from any future problems that may arise. An attorney can properly analyze your housing situation to handle any issues, insuring you and your loved ones a secure real estate closing for your new home.

At Blick Law Firm we provide title insurance and escrow services to clients throughout the entire State of Florida. Call us today at 813-931-0840. Make an appointment for a free 15 minute consultation with attorney Michael Blickensderfer. Blick Law Firm seeks to help the hurting and those in need. Think quick, call Blick!

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Title Insurance, what is it?… and why you need it?

Title insurance is a rarely understood protection necessary when purchasing a new home or property. Contrary to other forms of insurance that protect against future loss or damage, Title Insurance protects against past events that may cause loss or damage after the purchase of new property due to a failure or defect of the title.

When purchasing Title Insurance, the title company will conduct a search of public land records to discover potential matters affecting the title of the property. Common issues include: improperly prepared deeds, open mortgages, wills, probate proceedings, outstanding judgments or tax liens against the property or individuals, covenants and restrictions, and easements. After the records search, the buyer is then issued the Title Insurance.

While the records search conducted by the title company is generally exhaustive, many problems can still exist and affect the validity of the title. Disputes can still arise due to mistakes in the public record, previously undisclosed heirs claiming to own the property, and fraud…. These hidden hazards do exist, and Title Insurance will protect you against these potential problems and pay for any legal fees involved in defending a claim.

It is important to not only seek a title company for protection when purchasing a new home, but also making sure that the title company has an experienced and competent real estate attorney.

A real estate lawyer that handles and serves clients in title services is able to take legal action as needed to protect clients from any future problems that may arise. An attorney can properly analyze your housing situation to handle any issues, insuring you and your loved ones a secure real estate closing for your new home.

At Blick Law Firm we provide title insurance and escrow services to clients throughout the entire State of Florida. Call us today at 813-931-0840. Make an appointment for a free 15 minute consultation with attorney Michael Blickensderfer. Blick Law Firm seeks to help the hurting and those in need. Think quick, call Blick!

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