Simplifying Titles with Brett Haller of Express Title

Jim Sells The Suncoast: Buying and Selling Real Estate in Sarasota, Manatee County, Tampa, Port Charlotte, and Beyond

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Jim sits down with Brett Haller, aka “Your Go-To Title Guy,” from Express Title to unpack the vital role title companies play in home buying and selling. With 14 years of experience in real estate, Brett brings a wealth of knowledge from both the buying side and title side of the transaction.

What Does a Title Company Do?

• A title company acts as the glue that holds a real estate transaction together, coordinating between buyers, sellers, lenders, and agents.
• They ensure the property’s title is free of encumbrances, liens, or other legal issues before ownership is transferred.
• Title companies handle escrow deposits, verify all necessary documentation, and oversee the closing process to finalize the sale.

The Title Process:

1. Start with a Contract: Once a contract is signed, the title company opens a file and begins coordination.
2. Title Search & Municipal Search: They check for issues like unpaid liens, open permits, and ownership disputes.
3. Resolving Issues: If problems arise (e.g., permits, probate), they work to resolve them quickly to avoid delays.
4. Closing Coordination: They ensure all parties—buyers, sellers, lenders, and insurers—are prepared and all documents are accurate and signed.

Common Title Issues:

• Probate Issues: Previous ownership complications.
• Fraud: Ensuring sellers are legitimate owners.
• Unpermitted Additions: Unresolved permits can delay or derail a transaction.

Title Insurance:

• Owner’s Policy: Protects buyers from future title disputes.
• Lender’s Policy: Required by lenders to safeguard their investment.

Tips for Buyers & Sellers:

• Stay Organized: Know your deadlines for deposits, inspections, and other contingencies.
• Respond Promptly: Provide requested documents (e.g., bank statements) quickly to avoid delays.
• Ask Questions: Be proactive, especially when dealing with new construction or complex contracts.

What's Next?
Interested in buying or selling a home on the Suncoast, or connect with this week's guest? Reach out to Jim at [e-mail] or visit his website, Jim Sells the Suncoast.

A Personal Note from Jim:
Hey there, I’m Jim Ahearn, your go-to real estate guide and host of Jim Sells The Suncoast podcast! 🎙️✨ Dreaming of Florida life? I’ve got you covered! As your dedicated buyer's agent, I’ll handle everything from walk-throughs to closing, making your home-buying journey as smooth as a Florida breeze.

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