Services

Title insurance is an exclusively American invention. Its purpose was well stated in the first advertisement for title insurance back in the late 1800s: “This company insures the purchaser’s of real estate and mortgages against loss from defective titles, liens, and encumbrances. Through these facilities [the] transfer of real estate and real estate securities can be made more speedily and with greater security than hereto before.” [circa 1876] Protecting purchasers against loss is accomplished by the issuance of a title insurance policy, which states that if the status of the title to a parcel of real property is other than as represented, and if the insured suffers a loss as a result of title defect, the insurer will reimburse the insured for that loss and any related legal expenses, up to the face amount of the policy.

Title insurance differs significantly from other forms of insurance. While the functions of most other forms of insurance is risk assumption through the pooling of risks for losses arising out of unforeseen future events (such as death or accidents), the primary purpose of title insurance is to eliminate risks and prevent losses caused by defects in title arising out of events that have happened in the past. To achieve this goal, title insurers perform an extensive search of the public records to determine whether there are any adverse claims to the subject real estate. Those claims are either eliminated prior to the issuance of a title policy or their existence is excepted from coverage.

A short sale transaction is one in which a seller wishes to sell a property wherein they have a mortgage loan balance that exceeds the value of the property. In these situations the seller’s mortgage lender must approve the sale. We assist our clients by acting as an intermediary between themselves and their lender in order to obtain short sale approval; generally, the short sale client will not incur any legal charges for our services. Our short sale team is devoted exclusively to the timely completion and closing of short sale transactions.

The short sale team has valuable experience facilitating short sale approvals and a high short sale approval success rate. The short sale team handles all aspects of short sale transactions from the initial listing with a real estate agent, to lender approval, and the ultimately transaction closing. Our team works closely with Realtors, Sellers and Buyers to establish a sales contract, which includes the conditions of the short sale, as well as the appropriate exhibits and necessary amendments (e.g. Seller hardship information) to achieve a transaction acceptable to all parties. Once lender approval is obtained, the short sale team coordinates all the details to efficiently conduct the transaction closing and settlement, and issue the appropriate title insurance policy.

Whether you are buying or selling residential/ commercial real estate, in Sarasota, Venice, Bradenton, Lakewood Ranch and through out Florida our firm can represent your interests during the process. We represent both buyers and sellers (individuals, investors, developers and commercial entities) in a vast array of real estate matters throughout the State of Florida.

We insure the chain of events in your transaction take place methodically and carefully, communicating with you at every step to ensure a seamless experience. We assist in all aspects of the closing process from the review of the contract to closing. We draft and negotiate contracts for sale, building, development and leasing along with other real estate related documents.