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Buyer | Blog

Thursday, February 28, 2019   /   by Andy Mandel

Never Buy a Home Without Title Insurance

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Today I’m joined by Paul Mandel, title attorney, and owner of Capital Abstract & Title (and also my father), to answer two very important questions: What is title insurance, and do buyers really need it?

What is title insurance?

Essentially, title insurance is an insurance policy that ensures that you have clear title to your house and that there are no other owners who can lay claim to it or any mortgages, liens, or encumbrances on it. If you don’t have title insurance, you guarantee these things.

If you buy a property without title insurance, you don’t really know what you’re buying because a title search hasn’t been done on the property, and there could be prior encumbrances from prior owners of the property.

Do buyers need title insurance?

Absolutely. While it’s not legally required of you to get title ...

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Wednesday, November 21, 2018   /   by Andy Mandel

Does It Cost Anything for Buyers to Use a Realtor?

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People ask me all the time whether it costs anything for buyers to work with a Realtor. Usually, the answer is no. In the state of Florida, commissions are typically paid by the seller. This means that having an experienced Realtor by your side, which is an essential component to your success, comes at no cost. Having the guidance of a real estate professional is crucial if you want to earn the best possible deal.

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Thursday, September 13, 2018   /   by Andy Mandel

Buyers: Beat the Competition and Get Your Offer Accepted by Following These 5 Tips

Buying in a seller’s market poses some unique difficulties, but you can easily overcome these problems by following five simple steps. 

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Buying a home in today’s seller’s market may seem like a daunting task, but these five tips can help succeed in your real estate goals.

1. Be fully pre-approved up front. Our team works with some great lenders who can put you through underwriting at the start of your transaction. This will help you to compete in today’s seller’s market, even against cash buyers.

2. Don’t overanalyze your offer. If you find a great home, don’t think too hard about what it will take to secure it. Of course you want to make a purchase that is within your means, but don’t fret over fine details if they are all that stand between you and your dream home.
3. Work with an experienced agent. ...

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Thursday, August 23, 2018   /   by Andy Mandel

What Can You Do to Reduce the Life of Your Loan?

Have no fear, homebuyers: there is a way you can shed years off of the life of your loan.

Want to sell your home? Get a FREE home value report.Want to buy a home? Search all homes for sale.

When I’m dealing with buyers, a lot of them will ask me whether they should get a 15-year mortgage or a 30-year mortgage.

I always try to recommend the 30-year mortgage, and here’s why: Your payments with a 30-year mortgage will be slightly lower each month, which allows you some flexibility in times of hardship.

However, here’s a useful trick to cut some years off of the life of your loan: if you add one-twelfth of your monthly payment onto your actual payment every single month, you can shave eight years off the total life of your loan.

For example, if your monthly mortgage payment is $2,500, and you pay an extra $200 per month on top of that, you’ll turn your 30-year loan into a 22-year loan and save a ton of money on interest.

I ...

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Wednesday, August 8, 2018   /   by Andy Mandel

What 3 Lessons Did the 2007 Financial Crisis Teach Us?

There are three important lessons the 2007 financial crisis taught us that current homebuyers need to keep in mind.  

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It’s been over a decade since the 2007 financial crisis, but there are certain lessons we learned from it that you need to remember before buying a home.

First, you shouldn’t buy a home that costs more than you realistically can afford. Experts say you shouldn’t spend more than 30% of your gross salary on a home. If you make $100,000 per year, for example, no more than $30,000 of that (or $2,500 per month) should go toward paying for your home’s mortgage, taxes, insurance, etc. Just to be on the safe side, it might be a good idea to buy a home that’s slightly less than what you can afford so you’re still in a strong financial position in case disaster strikes.

Second, make sure you have six mont ...

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  buyer, seller