SPOT THE FRAUD
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Tips to Detect Fraud
- Sender's email address is different (even slightly) from a prior confirmed email address. Tip! When reading email from a mobile device, click on the senders name to view the complete email address.
- Changes to wiring instructions. Our bank is always The Huntington National Bank
- Fear-based language that expresses a negative outcome, such as "concern, "don't’, ‘prevent’, or "avoid"
- Font or type size that is different from the rest of the document.
- Unusual grammar, incorrect punctuation, odd spacing or capitalization may be an indication of someone trying to commit fraud!
- Words indicating friendship or trust such as "friend" or Pal, or that are overly thankful or complimentary.
- Beware of last-minute closing changes and rushes.
With deed fraud at an all-time high, it is necessary that we remain active in protecting our greatest asset from the bad guys.
FIRST………….. Julie opens all new orders. Send your accepted purchase contract to titleorders@homeservicestitle.com
Prepare both buyers and sellers for closing.
BUYING A HOME IS AN EXCITING AND EMOTIONAL TIME FOR MANY PEOPLE. To help you buy your home with more confidence, make sure you...get Owner’s Title Insurance. HERE’S WHY IT’S SO IMPORTANT FOR YOU:
Home Services Title wants to make your real estate transaction as smooth as possible.
Protect YOUR Investment You ensure everything else valuable to you - your life, car, health, etc., why not your largest investment? For a one-time fee, owner's title insurance protects your property rights from unforeseen legal and financial title discrepancies for as long as you or your heirs own your home.
WHAT HAPPENS AFTER SIGNING? The loan documents are returned to your lender for review. Once the lender authorizes us to close escrow, we will contact you or your agent with the good news. WHAT WILL I GET IN THE MAIL AFTER CLOSING? You will receive your final Settlement Statement - be sure to keep it for tax purposes. You will also receive a title policy and recorded deed showing your ownership. Finally, you will receive an information package from your new lender. WHEN DO I GET MY KEYS? Your real estate professional will handle the key exchange. It typically happens once your lender allows us to record the transaction. HOW DO I MAKE MY FIRST PAYMENT? You should have received a temporary payment coupon with your loan documents at the signing - you may need to use it to make your first payment. Within a few weeks, you should receive coupons /statements directly from your lender. UTILITIES You will need to contact the utility company to transfer utilities into your name before you move in. The seller’s final utility bill is not handled through escrow; you must address the transfer directly with the utility company and the seller so that you are not billed for those services.
Things to consider before closing.
Understanding the Basics of the Ohio Good Funds Law
The Long and the Short of it...Tax Proration.