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Buying a house can involve big and scary terms, and “escrow” ranks near the top. So what is escrow, anyway? The good news is that escrow is not as ominous as it sounds. In the home-buying process, escrow is a financial tool that allows you to set aside important items such as the buyer’s earnest money check and [...]
Congratulations to our very own Brandon Hunt for being nominated as one of this years Traverse City Business News's 40 under 40 for 2016. Every September, the Traverse City Business News spotlights 40 local professionals under age 40 who excel professionally and in the community. 2016 marks the 10th anniversary of the annual 40Under40 [...]
The State of Michigan has revamped its procedures relative to the processing of Affidavits of Affixture for mobile homes being sold along with land. The State will no longer accept and process an Affidavit of Affixture submitted post-closing which was executed by a Seller at the closing table. The State has taken the position that at closing the [...]
We have posted a few blogs about Traverse City's tall building debate.(River West , TC vs. Tall Buildings) It seems as though the issue is still raging on, become a ballot proposal to be voted on this fall. Traverse City commissioners voted Monday to approve resolutions placing a proposed charter amendment on the November 8 [...]
If you’ve recently purchased a home, a scam may try to trick you out of more than $80. Whenever you purchase real property or even refinance it, that transaction becomes part of the public record. Documents conveying interests in real property transactions are recorded after closing at the appropriate County Register of Deeds office. [...]
Estate division can be trying — emotions run high, and liquidating and dividing assets involves a lot of legwork. We outline options for asset distribution and highlight the ease of selling a note for cash that’s easy to divide. Understanding the Estate Process Dealing with paperwork after losing someone you love can be intensely [...]
What Is Private Mortgage Insurance? Traditional banks and private lenders require homebuyers to pay for private mortgage insurance when they make a down payment less than 20 percent. Private mortgage insurance, often referred to simply as PMI, protects the lender in case the borrower fails to pay the loan. Private mortgage insurance fees are based [...]
Last year we posted about the possibly of flat rate recording fee's here. Well, now it is official. On June 23, 2016, Michigan Governor Rick Snyder signed into law Public Act 224 and a series of related public acts that create a flat recording charge system for documents recorded in Michigan. This is a change [...]
From “costs-per-lead” to “ad servers,” the world of digital marketing can seem pretty overwhelming. That’s why the American Land Title Association partnered with Google’s Steve Lerch to tell you how to tune out the noise and figure out what you need. Even better, we can tell you can how you can get started on any [...]
Homeowner associations, also known as HOA's, or Condo Associations can be great for neighborhood maintenance, settling disputes and enforcing community guidelines, but all of those benefits come with a cost: the association dues. A good chunk of American homeowners agree to pay them—nearly 25%, according to RealtorMag.org—but unlike the mortgage, insurance, and tax costs those [...]
