Real Estate Blog

Friday, 04 October 2013
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Protecting Your Property Purchase

Home closings are known for their endless signatures and sometimes confusing legal documents, but in my professional opinion, title insurance is one of those documents that you need to make sure is in your stack. The title search will remove any doubt about current liens against the property, including back taxes and HOA dues. If the title policy cannot be issued cleanly without possible claims against the current owners, the buyer’s lender will not issue the loan to close the sale. 

Public record searches done on your own are not enough, because there are many things that cannot be found in public records. According to attorney Deanie Gregory at Greater Nashville Title & Closing Co., here are just a few of the possible troubles you could encounter after buying a home:

• False impersonation of the true landowner
• Undisclosed heirs
• Improperly recorded legal documents
• State inheritance and gift tax liens
• Errors in tax records
• Rights of divorced parties
• Utility easements
• Lack of jurisdiction or competency of persons in judicial proceedings

Title insurance is legal protection if any of these issues should occur so that no one can come and take your property from you. It will take care of you in the case of a lawsuit, and it will reimburse you based on any losses incurred, depending on your amount of coverage.

It’s important to note that title insurance is just as important with a new construction purchase as it is with an existing home purchase. According to Deanie Gregory, from the minute construction starts on your home, each person in the building process will have lien rights attached to your home, and you need the protection that title insurance offers.

So, whom can you trust in this decision? The seller/builder is sometimes reluctant to mention title insurance because they are traditionally the ones who pay for it. But, that can be negotiated by you and your agent into the closing. Trust your agent to protect you, and trust your mortgage lender when it comes to selecting a reputable title firm. According to law professor Ronald Mann at Bankrate.com, "The lender's interest dovetails with yours in getting these things done well." The lender is guaranteeing a large amount of money based on the assurance that the property you're using as collateral is really yours. You can also research the underwriter and title company or attorney online to see what past customers are saying about their services.

Contact me so I can help you through the entire home-buying process. I want you to have a great experience and I want you to be legally protected.

If you would like more information about Greater Nashville Title & Closing Co., contact:
Deanie L. Gregory, Attorney-at-Law
Greater Nashville Title & Closing Co. 
200 Madison Street
Madison, TN 37115
615-865-1470 (phone)
615-865-1394 (fax)

 

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Posted on 10/04/2013 6:04 PM by Jarod
Saturday, 28 September 2013
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      Fall in love all over again with Tennessee at area fall events and farms

Fall is an amazing time of year in Middle Tennessee. The weather is close to perfect, the scenery is changing into a beautiful display of colors, football is in full swing, and there are events and festivals galore that allow you to experience all that fall has to offer.

There are many places to choose from, but the following is a synopsis of some favorites that are close to the Brentwood, Tenn., area. Bring your friends and family out for the fun!

FARMS

GENTRY’S FARM
1974 New Highway 96, Franklin, Tenn.
http://www.gentryfarm.com/

A Franklin fall tradition, historic Gentry’s Farm opens wide its gates every fall for fun and education. Come enjoy corn and hay mazes, hayrides, tire swings, playgrounds, and then pick your own pumpkin from the patch. There are also great fall displays for family pictures. They are open every weekend in October and Monday mornings.

 

LUCKY LADD FARMS
4374 Rocky Glade Road, Eagleville, Tenn.
http://www.luckyladdfarms.com/index.html

Located between Franklin and Murfreesboro, Lucky Ladd Farms is open almost every day in October so that you can experience their expansive list of activities. With mazes, playgrounds, pony rides, hayrides, a pumpkin patch, a tractor train, interactive educational field trips, and flashlight corn maze adventures, your family can spend the whole day exploring. New this year is a family-friendly Pumpkin Holla’ Lighted Trail that features hundreds of hand-carved glowing pumpkins, music, and more.

 

WALDEN PUMPKIN FARM
8653 Rocky Fork Road, Smyrna, Tenn.
http://waldenfarm.biz/

This family farm is open free to the public every day but Wednesday in October, but you’ll want to pull out your wallets for the yummy concessions, hay and corn mazes, hayride, pumpkin train, 40 ft. slide and more!

 

RIPPAVILLA PLANTATION
5700 Main Street, Spring Hill, Tenn.
http://www.rippavilla.org

This plantation is known for its history and its 10-acre corn maze. Come any weekend in October to make your way through trail mazes, with 15 information stations along the way. You can also join the many brave adventurers who walk the maze by flashlight at night! Other activities include a pumpkin sling, pumpkin painting, hayrides, a play area, and hot chocolate by a bonfire.

 

EVENTS

FALL FEST @ THE HERMITAGE
4580 Rachel’s Lane, Nashville, Tenn.
http://fallfestatthehermitage.com/

OCT. 5-6, Open 10-5
Adults $5     Children 11 and under FREE
This annual event features fun, music, food, art, and history!

 

CITY FARMHOUSE PRESENTS: A POP-UP BARN SHOW
Idyll by the River Farm, 3160 Del Rio Pike, Franklin, Tenn.
http://www.cityfarmhousefranklin.com/pop-up-barn-show.html

OCT. 11-12, Friday, 10-6; Saturday, 8-4
$8 per day or $12 for a weekend pass
This two-day event features shopping, live music, food trucks, special guests, and seminars and how-to’s for design, decorating, and cooking.

 

30th ANNUAL PUMPKINFEST
Main Street, Franklin, Tenn.
http://downtownfranklintn.com/events/pumpkinfest/

OCT. 26, Open 10-6
FREE
One of Franklin’s most popular events, this street festival takes over historic downtown Franklin with arts and crafts booths, games and inflatables, live music, delicious food, and a costume contest for kids and pets.


For a more extensive list of fall festivals and happenings all over Middle Tennessee, visit: http://www.nowplayingnashville.com/categories/index/8/0

 

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Posted on 09/28/2013 4:37 PM by Jarod
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