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What is a mortgage?

The mortgage is a document that is a list covenants between you and the lender.  It says that as long as you abide by those covenants, the lender will leave you alone.  All conventional mortgages in Kentucky and Florida are approved by the government and are...

Top 5 reasons closings get delayed

5 Key DOs/DON’Ts to help get YOUR closing(s) closed on time! Remember – Folks’ possessions are on moving vans, that may not be able to be rescheduled …Childcare has been arranged …Folks have taken off work …Folks don’t have extra days-off …Buyers can lose their...

Who must attend closing? Marital Rights. Dower/Curtesy

By state law in Kentucky, if you buy a property in your sole name, your spouse will instantly have an ownership interest in that property – just by the fact that you are legally married.  Names on deeds do not solely determine ownership; Names PLUS marital status...

Owner’s Title Insurance – When you should buy it

Owners Title Insurance Made Easy!  What is it and when you should buy it. There are two types of title insurance: Lender’s and Owner’s. 1.Lender’s: Required when you get a loan. Does NOT protect you. Protects the Lender. You pay for it. Lenders don’t want common title...

What is a settlement agent, title company, real estate attorney?

A title company, real estate attorney, closing company, etc. = are all terms frequently used interchangeably to describe “settlement agents”.  Title companies are either owned by, or employ real estate attorneys – Jett Title does both.  All settlement agents perform...

Top 10 loan officer mistakes

Not communicating with both Real Estate Professionals for regular status updates. Not reply to Real Estate Professionals. Keep them in the dark. When no Real Estate Professionals are involved, not giving title company Seller’s contact information – title must search...