Do You Need a Closer? What you NEED to Know When Closing on Your Home!

You have submitted your offer and it has been accepted, now what?

There are many things that go on behind the scenes as you patiently wait for your loan to go through underwriting and for the paperwork to get settled for you to close on your new home. In all real estate transactions the title company will run a title search and examine public records to look for past deeds, wills, trusts, divorce decrees, bankruptcy filings, court judgments and tax records that may be faulty or outstanding.

It’s imperative that the title company you are working with is ahead of schedule, as any title issues that come up must be cleared up before the transfer of ownership happens. Knowing what some of the most common issues to look out for can be a huge help, really stressing the importance of using a realtor.

So what should you look out for when the title company gives you the preliminary title report? If you aren’t sure how to read it make sure you see your title agent for explanation on each item.

Items that may come up on the initial title search

Unknown Liens

This is the assurance that the contractor has when doing work on a home or property. The contractor would place a lien on the property before starting the work to ensure payment once the work is completed. Usually the problem comes up when the contractor fails to file a “satisfaction” of the lien and it remains on the properties title.

It’s imperative for the title company to make sure that the lien was filed properly and recorded in the public records. A mechanic’s lien can usually be resolved without much problem but it can be time consuming and could delay your closing.

Bankruptcies or Child Support

This is another source of title issues. One common occurrence is when a seller buys a property while single but then gets married to someone who has recently filed for bankruptcy. The title company must make sure that the spouse has signed off on the deed, and if not it, would be required to petition the court to release the property.

Another problem arises when a divorced parent does not remove a lien for child support. If the child in turn inherits the father or mothers property, a lien placed by the opposing parent could show up in the title search and it could potentially prevent a sale. The child would have to get the surviving parent to sign off that the debt has been paid in full in order to have a clear and transferable title.

Errors in Public Records or Forgeries 

When clerical errors affect your home ownership rights, it could be devastating. Errors such as an improper address or incorrect square footage could cause issues when running title searches. In this day and age we don’t live in a completely honest world. It’s important for the Title Company to run title searches to make sure there are no forged or fabricated documents that could potentially affect the ownership of the property

Boundary and Unknown Easements

This is a critical portion of the title and lien search. If you don’t know there are certain easements that could prohibit you from using your future land and or home it could cause serious consequences. Having the most up to date survey is also crucial for the home buyer as prior surveys could give neighbors or other parties the ability to claim ownership to part of your property.

What can you do to prevent issues in the future? The best thing you can do is to get title insurance, which will protect against any title problems that may come up after you close your real estate transaction. To get a quote on the cost of the policy speak to your title and closing agent. The cost for a policy is a one-time fee and the policy remains in effect as long as you own the property.

If you have any further questions about closing your transaction or issues that could come up please don’t hesitate to reach out to me. Call Albin Hubscher at 407-404-4041.

Continue reading

The Reserve at Legacy Park – Casselberry, FL

The opportunity has come, for those who want to own a new construction single family home from the mid $200’s in the highly desired community of Reserve at Legacy Park.

Reserve at Legacy Park is a new construction community located in Casselberry, FL. It has already started pre-selling lots and is scheduled to have its grand opening on August 13th. There has been a lot of excitement and buzz for this community to be completed. Taking a look and moving quick on these new single family homes is absolutely recommended.

With only 120 lots this community will feature luxurious custom interiors, recognized quality brand names, energy efficient features and have community amenities.

Geneva School

        Future Site of the Geneva School

The Homebuilder for the Reserve at Legacy Park

Pulte Homes is the builder behind Legacy Park. If you are familiar with new construction homes you may be familiar with Pulte Homes, they are one of the nations largest home building companies and has been around since 1950. They are no stranger to developing these new communities, and the quality of their work is always showcased.

Amenities at the Reserve at Legacy Park

The gated community features a dog park, community park and a neighborhood pool. With the proximity to highly rated Seminole County Schools, this community has so much to offer. Adjacent to the Reserve at Legacy Park will be the newly built Geneva School.

The community features 7 home designs that range from 2- 5 bedrooms. The size of the homes varies from 1,821– 3,172 square feet. Prices are starting in the mid $200’s and go up to the mid $400’s. The sales center for the community is located on site and will feature two models.

If you’d like to take a look at all of the amenities that are going to be included in the homes here, feel free to email me at and I can send you a .pdf download right away!


Where Exactly is The Reserve at Legacy Park Located?

New Homes at Reserve at Legacy Park - Casselberry, FL

        Map Location of The Reserve at Legacy Park

Reserve at Legacy Park is conveniently located between I-4 and 417. It is just off Seminola Blvd in Casselbery and is just minutes from the Winter Springs Town Center.

How Get More Information?

With the increased demand in this community it is likely to have several price increases during construction. To get more information on the community and the availability of home sites call Albin Hubscher at 407-404-4041.

Continue reading

© 2022 . All Rights Reserved