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February 20, 2017
What does a title company do? When you purchase a home, a title company will research the property to ensure that you are the rightful owner. They’ll look through records for anything that might cause problems—ownership disputes, restrictions, unpaid taxes, liens, and more. Their goal is to document the chain of title and identify any issues that could become major problems down the road. At the end of the process, the title company issues a title opinion. This is a legal document that states that the title is valid. The title opinion is part of obtaining title insurance. The insurance […]
February 13, 2017
Five big trends in home decor Thanks to websites like Houzz and Pinterest and TV networks like HGTV and DIY, it’s easier than ever to keep up with home decorating trends and find inspiration for improving your own home. Here are five of the top current interior design trends. Screen-free rooms: After a long day of using your smartphone and computer, it can feel amazing to come home and take a technology break. More and more, homeowners are creating specific screen-free rooms—perhaps a library, craft room, or listening room—where you can escape from technology for a while. Upholstered headboards: What […]
February 6, 2017
Thinking about buying soon? Make sure your credit is in order! There’s no more important time to work on your credit score than when you’re about to apply for a mortgage. Improving your credit can save you a ton of money—we’re talking about thousands of dollars over the life of the loan. Here are the actions you can take that will have a notable impact on your score. Pay down your credit card balances Credit utilization is one of the biggest factors in determining your credit score. Your credit utilization should at least be less than 30 percent of your […]