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Search Free Public Records. Free Public Records at SearchSystems. Search Systems Premium Criminal Records. Bankruptcies, Judgments, Liens. Tenant Screening. People Search. The title searcher will also determine if there are any encumbrances on the property, such as outstanding mortgages, unpaid real estate taxes, liens for municipal improvements, unpaid federal taxes, government claims, judgments, foreclosures, condemnations, covenants and easements. A closing, or settlement, is the meeting between the seller and the buyer where the financing documents are signed, if any, and ownership of the property is legally transferred from the seller to the buyer.
To convey title to the property, the seller must execute and deliver a deed to the buyer with a proper legal description of the property. The closing is usually attended by the buyer and the seller, their respective attorneys, any real estate brokers or agents involved in the sale, a representative of the lender and the closing agent.
At the closing, any unresolved issues will be settled, the final closing figures will be verified and all documents necessary to complete the transaction will be signed. A competent real estate lawyer should represent you at closing to ensure that your rights are protected.
Tax Assessment Parcel Search. The County of Monroe makes no representations or warranties as to the suitability of this information for any particular purpose. The mission of the Monroe County Recorder of Deeds Office is to preserve the accuracy and continuity of the public land records of Monroe County. If you do not wish to subscribe, a deed can be obtained at Landex Document Publishing.
The purchase of a home can be intimidating and confusing, especially to first-time homebuyers. An experienced real estate attorney can help a buyer or a seller understand the unfamiliar documents and legal terms used in these transactions, and advise you in making one of the most significant purchases and investments of your life.
For buyers, after you have located a property that you are interested in purchasing, it is essential that you have an experienced real estate attorney to assist you through the process, even if a real estate sales professional is already involved in your transaction. It is essential for a buyer to have a real estate lawyer either draft this agreement of sale, or review any contracts prepared by your real estate broker or agent, to ensure that your rights and interests are protected.
In addition to drafting and negotiating the agreement of sale, your attorney can also review your mortgage documents, assist you in retaining an abstract or title insurance company, and review the title examination and all inspection reports. Your real estate lawyer can also explain the Uniform Settlement Statement commonly referred to as the HUD-1 , which is the document that itemizes all of the expenses and closing costs of both the buyer and the seller in the transaction.
Lastly, the attorney will represent you and attend the settlement when you close on the property. For sellers, once you have found a buyer for your property, it is critical that you have an experienced real estate attorney to guide you through the sale. Your attorney can negotiate with the buyer, or his or her representative, until there is a satisfactory agreement of sale, to ensure that this contract protects your interests and addresses all of your concerns.
In commercial real estate transactions, it is even more important for the buyer and the seller to seek the advice and representation of a competent and experienced real estate attorney. Such commercial transactions may involve complex issues such as zoning restrictions, existing leases or tenants on the property, liens and other title defects, and environmental contamination which may prevent a buyer from using the property for its intended purpose.
Your attorney can help you address and resolve these concerns before you buy the property. Our goal is to assist and advise you throughout your real estate transaction, and be your legal advocate, giving you sound advice and peace of mind in this often confusing and stressful process. The most common method of financing a real estate purchase is through a loan that is secured with a mortgage on the property that you are purchasing.
A mortgage involves the transfer of an interest in the property as security for your obligation to repay the loan.
A borrower typically repays a mortgage in monthly installments that include both interest and principal payments. If the borrower fails to make these payments, foreclosure can result, with the lender declaring that the entire mortgage debt is due immediately. If you fail to pay this mortgage debt after a default, your property may be sold to satisfy any remaining mortgage debt. Many different mortgage loan programs exist.
The source of your funding can also affect the amount of the down payment and closing costs. Conventional loans include loans that are secured by government-sponsored entities such as Fannie Mae and Freddie Mac, and also loans that are funded by private lenders for higher loan amounts, which typically carry a higher interest rate. The federal government and other state, local and private entities have developed programs to provide mortgage loans with a lower down payment.
For example, a first-time homebuyer, or a buyer with a low to moderate income level, may be eligible for a mortgage insured by the Department of Housing and Urban Development HUD through the Federal Housing Administration FHA , which insures the loan. Although a qualified borrower may be able to obtain an FHA loan with a lower down payment, the maximum amount of the FHA loan is limited.
VA mortgage loans usually offer low or no down payment options, with many of the same benefits of an FHA loan.
Several different contracts are involved in a typical residential real estate transaction. A listing agreement is the contract between the seller and the listing broker. Many of these terms are negotiable, including the commission.
The listing agreement is critical to the seller, and he or she should read it carefully and also have it reviewed by a real estate lawyer. Once a broker produces a buyer who is ready, willing and able to purchase the property, and all other conditions are met, the seller may owe the broker his or her full commission, even if the seller decides not to sell the property. The agreement of sale between a buyer and a seller must be in writing.
The terms of this legally binding contract are usually negotiated through a series of offers and counteroffers. Other possible contracts include those involving property insurance, title insurance, easements and sales of personal property. The provisions of these contracts are generally negotiable, and can significantly affect both the buyer and the seller. An experienced real estate lawyer can protect your rights, and ensure that you achieve the terms that are the best for you.
A deed is a document that transfers an ownership interest in real estate. A deed for property must always be in writing, and must be delivered to the buyer at closing.