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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Diane Hayes, a proven Montgomery County, Rockville and Silver Spring, Maryland NUMBER1EXPERT™ Top Selling real estate agent.
Find Montgomery County, Rockville and Silver Spring Homes - Find Montgomery County, Rockville and Silver Spring, Maryland real estate listings & homes for sale provided by Diane Hayes, your local expert real estate agent.
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For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Diane Hayes, a proven Montgomery County, Rockville and Silver Spring, Maryland NUMBER1EXPERT™ Top Selling real estate agent.
Montgomery County, Rockville and Silver Spring Information - Find local information on Montgomery County, Rockville and Silver Spring, Maryland including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Diane Hayes, a proven NUMBER1EXPERT™ Top Selling real estate agent.
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Titles >Do You Really Need Title Insurance

When a home is purchased, title insurance is one of the closing cost items on the closing statement. This insurance protects the buyer from defects in the title that are not discovered until after the closing. There are two kinds of title insurance--coverage that protects the lender for the balance of the mortgage if the buyers have a loan, and coverage that protects the buyers' equity in the property.

It is prudent to purchase owners' coverage because most of the title problems that arise after a closing are not from a sloppy title search, but are the result of inaccurate information in the public records. The ownership chain goes back a long way, and fraud or misrepresentation anywhere in the chain could mean big problems. Title insurance will protect you if a wife or husband did not properly sign off on the ownership papers or if the property was sold as part of an estate that was later disputed. Most people do not have to deal with the title insurance company after the closing, but this coverage could save your investment if a problem arises.

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Q	Lenders in 14 states--California, New York, Oregon, Utah, Vermont and Wisconsin and 9 others--have what in common?
A	Lender in these states must pay interest on funds held in escrow accounts.
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Diane Hayes, REALTOR®, real estate agent and broker for Montgomery County, Rockville and Silver SpringMaryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Diane Hayes
RE/MAX Premiere Selections
11325 Seven Locks Road #217
Potomac, MD 20854
Tel: 301-428-0010
Fax: 301-299-1004
Email: dianehayes@NUMBER1EXPERT.com
Diane has been helping buyers and sellers with their real estate needs since 1981 and would love to help you.

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