Stress Free Home-Buying

home buying services with Southern Title of Ohio

We know buying a home can be a stressful and lengthy process, but it doesn’t have to overwhelm you. It’s easy to let your emotions run wild when choosing a place to live and raise a family, but by understanding key steps to the home-buying process, you’ll make the best decisions for your home purchase.Here are some important factors to consider before purchasing a home:

What are you looking for in a home? (size, style, location etc.)

How much can you afford?

Have you saved for a down payment?

What is the housing market like?

Are you in the right life stage for home-buying?

If buying a home is the best step for you, here’s how to get started.

Save, Save, Save!

Save for a down payment. Don’t let financial stress overshadow the joy of buying a home.

Consult with a Lender

Determine how much you can afford to spend and find a loan option that’s right for you.

Find a Realtor and Title Agency

You will need expert help in finding and securing your future home. Title agencies will search real estate records to determine if any legal restrictions, leases, or unpaid taxes exist on the property.

Look Around!

Go house hunting! Don’t compromise on the important things (location, floorplan etc.) Cosmetic details like paint color and décor can easily be changed to suit your needs.

Submit an Offer

Work with your estate agent and title agency finalize your paperwork, submit a formal offer and schedule a professional home inspection.

Close the Deal!

Once you’ve signed all the paperwork, you’re finally finished! Congratulations on your new
home!

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The Difference Between Title Insurance and Homeowners Insurance

Title insurance and home insurance are often terms used together. However, they are two separate ideas. Because both title and homeowners insurance plans involve the home, you may have heard the terms used synonymously. And, although we understand the assumption that they are the same, they refer to two different things. Both are important for different reasons: The main difference between homeowners insurance and title insurance is that one protects you against property damage, while the other protects your property ownership. Homeowners insurance protects you against property damage. This protection includes any items inside your home. Property damage covers any possessions in the case of theft and even protects you in the event that an injury occurs to a guest inside your home. It does not protect you should a person claim to have title rights to your home, however. Title insurance protects your property ownership. Title insurance does not cover infestations, fire damages, or oth

What you Need to Know About Property Titles

There are a lot of steps when you are first buying a home, it involves finding a property, securing financing, making an offer, getting a home inspection, and eventually, when you have found the right fit, closing on your purchase. One of the most important steps before closing in on your new home is purchasing your title insurance. Here at Southern Title of Ohio LTD . we offer a multitude of services from construction loans and bankruptcy searches, to title insurance services. It is important that you are protected from whatever may happen after the initial search is done on your house, so we are here to tell you a little bit about what a title is and why it is imperative to your home buying experience. A title is legal documentation that includes the specifics about a property you are purchasing and who owns it, often in the form of a deed. One of the steps in home buying is to have a title search completed prior to closing on your purchase. It is needed to ensure that the

The Benefits of Working with a Title Agency

Acquire a secure and smooth title transaction for your new home with Southern Title of Ohio. You might think having a title agency on your side isn't necessary, but you'd be surprised by just how many little hiccups could come along in the process of homeownership. We've listed some of the ways we can assist you while encountering some of those hiccups: Title Insurance Title insurance is especially useful in the event that the current owner of the home has a lien claim on the property due to substantial debt. Another reason title insurance is so beneficial is that the transaction process can be complex when family members and rightful heirs of the property are not notified. This could result in a complicated series of events and questions regarding who should claim the property, so it's good to trust a title agency like Southern Title for that extra layer of protection. Title Search Services The title agency you choose to work with should offer extensive searches th

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