Why Title Insurance is important – Richard Shuman P.A. Mortgage Brokerage Business, REALTOR - Florida Relocation Team – Why Title Insurance?

Title Insurance = Peace of Mind

Purchasing a home is probably the single biggest investment you will ever make. Before closing on the house, you'll want to know that no other individual or entity has a right, lien or claim to the property.

Determining that your rights and interests to the property are clear is the business of a title insurance company.

For a modest, one-time title insurance premium, you will receive continuous title insurance protection in an amount equal to the purchase price of the property or its current market value. This premium typically includes your "owners" policy as well as the "lenders" policy.

One of the marked advantages of title insurance is that prior to a policy being issued, the title insurance company completes extensive research into relevant public records, maps and documents to trace ownership of the property and determine if anyone other than you has an interest in the property. Through its research, the title insurance company can usually identify any title problems that may arise and have these problems cleared-up prior to closing.

Your title insurance owner's policy will describe the property and outline any recorded limitations on your ownership. It will also set forth the title insurance company's responsibilities should any claim covered by the policy terms arise. Typically your title insurance will protect you from loss:

if someone contests your title in legal action (the title insurance company will defend the title at no expense to you),
or if there is a title defect that cannot be eliminated (the title insurance company will protect you from financial loss - up to the amount of the policy).

TESTIMONIALS

Thank you very much once again for your guidance in selecting a Townhouse for my daughter. Your straightforward and professional approach was not only impressive but greatly appreciated ! Rene

A Long Enjoyable Relationship: "Over the year that it took to sell our house in Knoxville and buy a house in Winter Springs I had the opportunity to spend a lot of time with Richard Shuman. From the beginning he understood what we wanted to buy. He took us to a good selection of homes in Winter Springs and we managed to refine what and where we were hoping to buy. When our house in Knoxville finally sold Richard moved into high gear with us to find an excellent house and help us negotiate a good deal. He handled all the transactions, including our mortgage, with a high degree of professional competence and efficiency. Our closing went smoothly and effortlessly and we moved in just 7 days after closing on the sale of our Knoxville house. Perfect timing! My wife and I recommend Richard, especially to "experienced" buyers, because of his ability to quickly learn what the buyers are looking to purchase and then his laser sharp focus on helping them find it." Dave W.

Great Experience!! "Richard was everything that I wanted in a realtor!! He listened to what I wanted and delivered. I flew in from Ohio for a weekend in order to buy a house. We went out and in one day had the offer accepted on a wonderful house. He continued to help me throughout the closing process and even set me up with a great insurance agent. I would definitely recommend Richard to anyone that is looking to buy or sell a home with out dealing with all the BULL!! Thank you so much Richard!!" Dr Marian M.

"Richard was very helpful in the search for our home. He went out of his way to take us around to different locations meeting our criteria, even one that was not on our list-which is the one we bought! He was very prompt in returning calls and aiding us with financing. He played the advocate for us with our mortgage lender. The whole process was pleasant and almost stress free." Amanda H.

The same consideration should be given to hiring a REALTOR & Mortgage Broker as hiring any other professional. When I look for a doctor, accountant or attorney, I want someone that is well educated, has experience, ethics and a track record of satisfied client. What is most important is I want direct answers to direct questions!!! That's why I picked www.SKIPtheBULL.com I don't play games with my clients! If you want someone to sugar coat bad news, tell you your home is worth more than it is, tell you can get a great rate on a loan with bad credit, then hire someone else! If you want a relatively STRESS FREE transaction, Call, email, Txt or visit my website 7 days a week! No Games ~ No Gimmicks ~ No Bull

Richard Shuman P.A.

Buyers & Sellers Call my Private Cell 407 448 7759

(cell is for Buyers and Sellers only. Phone is registered on the DO-NOT-CALL List)

The Right Real Estate Agent & Mortgage Broker for you!!!

Education + Experience - "BULL" = "YOU WIN"

The only B.S. I have is from the University of Massachusetts

Award winning agent at RE/MAX Select 2005 - 2008

One of the TOP AGENTS in Central Florida 2005 - Present

Finding finding the right real estate agent and mortgage broker can be the difference between a happy, stress-free experience, and an unhappy, costly, stressful experience.

Richard will give you real answers without the "BULL".

A Real Estate Agent ready and able to make a full-time commitment to you. Available 7 days a week!

A Real Estate Agent with the experience needed to know the local rates, neighborhoods, schools, market conditions, ordinances, etc. With years of experience in the local market - Richard has the expertise and track record of success you need.

No Games ~ No Gimmicks ~ NO BULL

A Real Estate Agent who embraces the convenience of technology without losing the personal touch.

Contact me so we can talk about your residential or commercial buying, selling and/or mortgage plans.

I work 7 days a week and always ready to help! Click on CONTACT US above.

P.S. Please tour through my website www.SKIPtheBULL.com . I'm sure you'll find the resources here useful and helpful. Enjoy!

REALTOR with FLORIDA RELOCATION TEAM

670 N. Orlando Ave Suite 101

Maitland, FL 32751

Central Florida Real Estate including Seminole County, Orange County, Lake County, Polk County, West Volusia County and Osceola County. Citys include but not limited to Oviedo Real Estate, Winter Springs, Winter Park, Lake Mary, Casselberry, Altamonte Springs, Orlando, Chuluota, Sanford, Clermont, Davenport, Apopka, Deltona and Debary as well as most others in Central Florida. Homes in Live Oak Reserve, Stoneybrook, Eastwood, the Sanctuary, Lake Jean, Oviedo Forest, Oviedo Park, Carillon, Winding Hollow, Baldwin Park, College Park and most others!!!

Mortgage bargains throughout Florida!

RICHARD SHUMAN P.A. REALTOR & MORTGAGE BROKERAGE BUSINESS - A FLORIDA CORPORATION

670 N. Orlando Ave Suite 101 Maitland FL 32751 407-681-0777

BACHELOR OF SCIENCE DEGREE FROM THE UNIVERSITY OF MASSACHUSETTS, AWARD WINNING REALTOR® WITH RE/MAX SELECT 2005, 2006, 2007, 2008 AWARD WINNING REALTOR® WITH RE/MAX INTERNATIONAL 2005 100% CLUB, 2006 PLATINUM CLUB, 2007 PLATINUM CLUB.

Relocation is just one specialty of mine. Having relocated my family from Massachusetts and helping a ton of others make a move as hassle free as possible. When moving a family, happy kids make all the difference and I can help you find perfect place (even if you are the kid at heart).

From Great Seminole & Orange County Schools to having lots of activities in Central Florida for the whole family. Residential and Commercial Real Estate throughout Central Florida with one phone call or email to Richard Shuman, Real Estate and Mortgage Solutions www.WithOutTheBull.com

Available 7 days a week. Call or email me anytime for Central Florida Residential and Commercial Real Estate including Orlando Real Estate, Oviedo Real Estate, Winter Springs Real Estate, Winter Park Real Estate, Lake Mary Real Estate, Casselberry Real Estate, Apopka Real Estate, Kissimmee Real Estate and Florida Vacation Homes near the Theme Parks or Beach. I work for FLORIDA RELOCATION TEAM in Maitland but handle areas around Orlando including Seminole County, Orange County, Volusia County, Osceola County and Lake County or I can refer you to another TOP SELLING AGENT almost anywhere in the world. Referrals are always appreciated. EXPERIENCE THE SKIPtheBULL DIFFERENCE IN REAL ESTATE & MORTGAGE SOLUTIONS TODAY!!! Richard Shuman P.A. - why settle for an average agent when you can work with the best?

Richard,
thank you, thank you, thank you I have been looking on the web the last few
weeks and filled out my wants then get shown everything but what I'm asking
for. . . Thanks again Jan

Hi Richard,

I want to thank you for your immediate responses. I have never seen a Realtor perform like you do.

Joe

Richard, Thank you for your quick and informational response. You were the only agent to address all of my areas of interest and I appreciate that.

Amanda

thanks for understanding!

Kathleen

Will do... Thanks Richard!!!!!
You've been a huge help!!! : )

Nicole

Thanks for conforming to our schedule.

Eric

Thank you for making this sale a very positive experience for both Lisa and I.

Roger

Hi! Thank you! I really appreciate your help with this, and advice on which areas to check out...

Heather

I look forward to working with you. Your website has made my search much easier.

Kathleen

Thank you for your prompt attention.

Lisa

I really appreciate all of your help.

Heather

Thanks for getting back to me so fast...

Trina

Everything is going great. Spending time and money fixing up things around the house.

She loves the house ...

Thanks for everything again.

David

...thanks for being helpful.

Sherry

Thanks Richard For taking time out to talk to me and I look forward to meeting you when I come to Florida in July.

Daisy

Thanks for your patience

Jasmin

Thanks again for your kind help.

Menachem

Thank you for your prompt response.

Mayra

Richard Shuman P.A. Mortgage Brokerage Business, REALTOR - Florida Relocation Team 670 N. Orlando Ave suite 101 Maitland, Florida 32751

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