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Viewing posts for the category FAQ Buyer

What is title insurance?

August 7, 2011

According to the California Department of Insurance, Title insurance is a contractual obligation that protects against losses that occur when title to a property is not free and clear of defects (e.g. liens,  encumbrances and defects that were unknown when the title policy was issued).

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What is escrow?

August 6, 2011

Escrow is a service which provides the public with a means of protection in the handling of funds and/or documents. Escrow enables the buyer and the seller to transact business with each other through a neutral party, thereby minimizing their risk.

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What is a balloon payment mortgage?

August 5, 2011

A balloon payment mortgage is a type of mortgage that does not fully amortize over the term of the loan.  

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What is the loan principal?

August 4, 2011

The loan principal is the total amount of money owed on a loan.  On a standard, fixed-rate, fully amortizing loan, your loan principal will gradually go down as you make your monthly payments.  

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What is a material fact?

August 3, 2011

A material fact in real estate is anything that a reasonable person would consider germane to deciding whether to purchase a property.  

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What is a disclosure statement?

August 1, 2011

During escrow, there are a number of forms that will be provided by the Seller to the Buyer that lists everything a Buyer should know about the property prior to purchasing.  These forms are known as disclosure statements.

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Our initial experience with you, especially with your demonstrable expertise, knowledge, and willingness to both educate and work with us regarding the market and related considerations particular to Coronado, resulted in a gratifyingly helpful and positive experience for us.

—Robert R. READ MORE