Refinancing your Mortgage? There are ways to lower costs
Save Up to 40% on the cost of title Insurance
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Assure America Title Company can save you money on your closing costs and the Owners Title Insurance Policy you’ll be paying for without Compromising Service.
More and more, homeowners with mortgages are learning that by shopping for title insurance they can save on closing costs associated with their refinance. You’ll be pleasantly surprised at how much money you can save.
Assure America Title Company will carefully prepare all title related closing documents required for your refinance. We will provide all necessary title insurance services required by your lender while complying with Florida title insurance standards. It is our goal to keep you from being overwhelmed by the countless details of refinancing your property.
Your personal closing coordinator will put all the pieces together for you.
Closing with Assure America Title Company
- We will keep you continously informed and up to date, from the preparation of a preliminary HUD-1 closing statement to scheduling your closing you will be notified as milestones in the process are achieved.
- We strive to make sure the signing of the closing documents is convenient for you. We can close anytime anywhere throughout the State. A refinance transaction even enables us to close in the convenience of your own home.
Real Estate Broker, AF Real Estate
Real Estate Broker, Realty Standard
Real Estate Broker, Gravity Real Estate, LLC.
Realtor, Realty Standard
FAQ
We Are Here To Help You With Any Questions You May Have
“Title” is the foundation of ownership property. A Florida title gives you a legal right to possess that property and to use it within the restrictions imposed by authorities or limitations on its use, superimposed on the basic right to possession by previous owners.
Title insurance is used by homebuyers and lenders for protection against back taxes, undisclosed liens, legal judgments, forgeries, fraud and a host of other potential legal/financial problems that can arise when purchasing or refinancing property.
Anything in the entire ownership of a piece of real estate which may encumber the owner’s right to the “peaceful enjoyment” of the property or which may cause the owner to lose any portion of the property.
No other property has a useful life that compares with that of land. Owners die, new ones succeed, but land goes on forever. Owners of goods may change their locations at will, but land is immovable, it lends itself to the absorption of innumerable rights. Over the ages, this so impressed lawyers and jurists that they formed a separate body of laws for land. These laws, creating many types of rights in land, are so numerous and so complex it is impossible for there to be a mathematical certainty of ownership.
Closing costs are customarily, but not always, divided between the buyer and seller, as follows*:
The Buyer pays:
- Recording Fees
- State Documentary Stamp Tax – $0.35 per $100.00 or fraction thereof based on the amount of the mortgage.
- Intangible Tax – 2 mils per dollar of exact mortgage amount (approximately $0.20/hundred).
- Survey – $225.00 – $600
- Lender’s Title Insurance Policy – Is issued simultaneously with Owner’s Policy in most cases.
- Refinances – Variable, depending on production of Prior Owner’s Title Insurance Policy.
- Endorsements to Lender’s Policy – If required by Lender, $35.00 and up, depending on type of endorsement.
- Express Mail – If applicable, charged to the appropriate party (included in closing fee)
The Seller pays:
- State Documentary Stamp Tax for Deed of Conveyance – $0.70 per $100.00 or fraction thereof.
- Owner’s Title Insurance Policy – Based on the sales price and contract (not always applicable)
- Taxes – Current year’s real estate taxes are prorated as closing.
- Title Search, Exam – Approximately $200.00.
- Closing Fee
No other property has a useful life that compares with that of land. Owners die, new ones succeed, but land goes on forever. Owners of goods may change their locations at will, but land is immovable, it lends itself to the absorption of innumerable rights. Over the ages, this so impressed lawyers and jurists that they formed a separate body of laws for land. These laws, creating many types of rights in land, are so numerous and so complex it is impossible for there to be a mathematical certainty of ownership.
Simply notify the title insurance company and they will defend the title, even if it goes to court. The title company also bears all expenses.
Yes. We are a clearinghouse for all parties involved. We collect all the necessary documentation – assuring adherence to the lender’s title instructions, making arrangements for payment and distribution of funds. Assure America Title Insurance is geared up to work with you from the start of your transaction all the way through to conclusion.
Florida regulates the rates on the premiums for Florida title insurance. The only costs that may differ would be the actual fees, such as search and examination, closing costs and miscellaneous fees such as wire transfers, FedEx or courier fees and endorsements.
You will want to have the following items complete or in hand when you come to the closing (please confirm with your escrow officer prior to closing):
Buyer
- Buyer’s copy of purchase agreement.
- Cashier’s check for amount needed to close. We will let you know what that amount is.
- Proof of purchase of insurance for fire, casualty, etc.
- Photo identification (passport, driver’s license or state-issued identification card).
Seller
- Seller’s copy of purchase agreement.
- Any unrecorded instruments that affect the title.
- Proof of satisfaction of any mechanics’ liens, chattel mortgages, judgments or mortgages that were paid prior to the closing.
- Photo identification (passport, driver’s license or state-issued identification card).