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Why do I need Title Insurance?

Before we answer the question, let’s back things up and talk a bit about ‘title’. Title can essentially be defined as demonstrating that you own something. Thus, holding ‘Title’ on your beloved new house means that you own the home outright and can do with it what you wish, right?

So then why do you need Title Insurance?

Having Title Insurance is a way to secure confidence that there is no one else who can claim a right to your property after you have signed on the dotted line and transferred ownership.

Before you close on your home, the title company will conduct a title search on your behalf. They will search deed, tax and court records to verify ownership history. Purchasing title insurance will cover you in the event that any adverse incidents relative to title occur before or after you close on your home.

Since buying a home is such a big investment, seeking consult on these important topics is critical. If you are not quite sure if purchasing title insurance is for you, do consider consulting an attorney first.

Looking for a realtor to guide you through the home purchase process, contact Heather Krueger today.





  1. Stable Paycheck

Having a stable paycheck tells the bank that you can keep a job and thus, commit to regular mortgage payments.

  1. Savings

Ensure you have ample savings to make up the loan difference as banks only loan up to 80% of the purchase.

  1. Research

Seek information and stay up-to-date on the latest trends.



  1. Credit Score

Having good credit scores will prove to the bank that you can honor your loan.


  1. Wants vs. Needs

Buying a home is a big decision but just because you want a 4-bedroom house doesn’t mean you need it. Decide wisely!


  1. Outstanding Loans

Take time now to be as close to debt-free as possible before you borrow or it will reflect poorly on you to the lender.


  1. Budget

Draft out a plan of budgets based on what is comfortable spending for you to prevent running into extra expenses.



  1. Type of Home

Know what you want but also be realistic if it’s your first home.


  1. Mortgage Pre-Approval

Get pre-approved for a bank loan before jumping into the sales process. Doing so will let you proceed confidently.


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    October 2023
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