It will come as no surprise to you to know that the odds of being hacked today are against us. I’m sure you’ve opened your email inbox or received a text message from a complete stranger – gone are the days when it could have been from a friend of a friend. We know better now.  These “phishing†tactics...

THE FLORIDA HOMESTEAD EXEMPTION IS JUST ANOTHER REASON TO MAKE THE SUNSHINE STATE YOUR HOME! Did you know? Though we may not have any control over the amount of taxes we pay to the Federal Government, Florida is a tax-friendly state. There are no state taxes, no inheritance taxes or estate taxes.  Did you also know that Florida has very generous homestead laws?  Florida law provides for lower property...

Think of a Living Trust as your Bucket List.  It is filled with everything that you’ve worked hard for and were lucky enough to accumulate throughout your life.  You filled it with your money, property, and other assets - stocks, bonds  and perhaps even a boat or plane!  You’re free to do whatever you want with the contents of your Bucket, such as selling your property or stocks while you’re...

As 2022 unfolds, we at Liberty Title are committed to helping you get where you’re going, every...step...of...the...way. All great companies are Mission Driven, and our corporate ethos is to make the home buying and selling process “Easier, More Efficient, with Excellent Customer Service.†For me, as I look forward, this is an exciting time for the...

http://videotap.wistia.com/medias/swsmwlu198?embedType=async&videoFoam=true&videoWidth=640 Equity is the value YOU own in property such as a house. It’s the difference between what’s OWED and what the property is WORTH in the current market. The example this video shows - you have a house worth $300,000 today and you owe the bank $200,000.  Your equity would be...

http://videotap.wistia.com/medias/5vqdsef8xh?embedType=async&videoFoam=true&videoWidth=640 Like the video says - real estate agents aren’t paid by the hour!They’re paid a percentage of the purchase price in a successful real estate transaction. When one agent represents the sellers and another represents the buyers the commission is typically split between them. In the US,...

http://videotap.wistia.com/medias/h8ina3eyzq?embedType=async&videoFoam=true&videoWidth=640 The Prime Lending Rate - sometimes just called “Prime”  - is the interest rate that banks charge each other for overnight loans. Some consumer rates - like ARMs - are set in relation to Prime. In the US, Prime is affected by the Federal Reserve lending rate to banks; historically,...

http://videotap.wistia.com/medias/6u3yi2ieus?embedType=async&videoFoam=true&videoWidth=640 Discount points allow you to lower your interest rate. While this video simplifies things to help you remember, “points” are essentially prepaid interest with each point equaling 1% of the total loan amount. Generally, for each point paid on a 30-year mortgage the interest rate is reduced by 1/8...

http://videotap.wistia.com/medias/rvx9htof1p?embedType=async&videoFoam=true&videoWidth=640 As we show you in this video, an escrow account is an account, established by your lender, to set aside a portion of your monthly mortgage payment to cover annual charges for homeowner's insurance mortgage insurance (if applicable), and property taxes. Escrow accounts are a good idea because they assure...

http://videotap.wistia.com/medias/g6tl2t0nti?embedType=async&videoFoam=true&videoWidth=640 You’ll see some pictures in this video to help you remember later, but the first step in securing a loan is to complete a loan application. To do so, you'll need the following information. Pay stubs for the past 2-3 months. W-2 forms for the past 2 years. Information on long-term...