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Mike Haley

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Southwest Florida Real Estate

Can you believe we are in mid-2018 already? If one of your resolutions for the year was a big move, time is running out. One of the biggest decisions is buying, selling, or building a new home. But first, get acquainted with the market trends and if possible consult an expert. The financial crisis of ten years ago showed us that the real estate sector can also experience some scary crashes. It is important to evaluate how the market has behaved so far and make some predictions for the remaining part of the year.

Obviously, keeping informed is one of the most important obligations for anyone in the real estate sector, or someone considering getting in. Our role is to provide a candid opinion about the sector and to provide quality guidance. The Southwest Florida Real Estate is an interesting market and one of the most dynamic in the region. Providing this information will help you keep informed of the news and factors that affect buyers and sellers of Southwest Florida Real Estate. Such information changes regularly, so it is important to get updates regularly.

What Southwest FL Real Estate Agents Must Know About Title Insurance

Title insurance is often misunderstood by prospective homeowners. They might know they should obtain title insurance, but they might not know why. As a Southwest Florida Real Estate Agent, it is your job to explain the importance and significance of title insurance to your clients. You’ll need to tell your clients that title insurance is necessary to ensure their legal claims to the property are protected. In order to accurately advise your clients regarding title insurance, there are four things you should know.

What Southwest FL Real Estate Agents Must Know About Title InsuranceKnow How Title Insurance Protects Your Clients

You might have explained to your client that title insurance will protect them from any claims against the property before they acquired that property. But what exactly does this mean? Let’s say, for example, that your client buys a home only to find out a contractor has filed a lien against the property because the previous owner didn’t pay up. If your client has title insurance, they are not responsible for paying the lien. However, that scenario is quite different if they don’t have the title insurance, meaning they are responsible for any claims against the property, no matter the circumstances.

Value of Title Services is Long-Term

When explaining the benefits of title insurance, Southwest Florida Real Estate Agents would do well to mention the enduring value of title insurance. Prospective homeowners need to know that for a one-time low fee at the time of the purchase, they and their heirs are protected financially from unknown defects that could cause financial hardship otherwise. The fee paid at the time of closing is based on the value of the home.

Why Naples Florida Is The Best Place To Retire

When looking for the best place to retire there a many things to take into consideration. Florida has been a very popular destination for retirees for decades, and with good reason. A good retirement location needs to consider different things such as the economy and opportunities to stay active and social. We’ve done the research for you and think Naples, Florida is a cut above the rest.

Why Naples Florida Is The Best Place To RetireStable Economy and Future Growth

When you’re settling down to retire, you want to ensure the community you’ve chosen is going to remain stable. You don’t want to be left searching for a new home in later years. Naples, in Collier County, is a beautiful, coastal town named after its Italian counterpart for the similarities they share in climate. The Naples’ economy is largely dependant on tourism. With its idyllic beaches, close proximity to the Everglades, host of activities and balmy Florida weather, this isn’t likely to change anytime soon.


As we age it’s important to know that we have quality, accessible healthcare when we need it. In a population of only 20,600 residents Naples, part of the non-profit NHC Healthcare System, boasts over 681 beds within two hospitals in addition to six clinics. The Healthcare Network Southwest Florida serves Collier County residents through 20 practices including general health, behavioral health and dental.

Types of Liens to look out for

There are two different types of liens against homes — voluntary liens and involuntary liens. Voluntary liens are security interests that have been granted by the owner, such as a mortgage. However, there are many more types of involuntary liens on real estate than voluntary liens. Below we discuss the different types of liens that may be filed against a home.

Nine Different Types of Liens

Types of Liens to look out forAny of these liens can create a cloud on the title making it impossible for the owner to transfer clear title to the property.

• Mortgages — When most people purchase a home, they typically borrow a portion of the sales price. The document filed to secure the loan with the home is a mortgage. Homeowners can have multiple mortgages on a single piece of real estate. If a mortgage has been paid, but not satisfied of record, someone must contact the mortgage company to request that the company research the account to determine if the lien can be canceled. This process can be time-consuming and frustrating, especially for mortgages that have been sold or assigned. Another issue that can make the process difficult is when the bank has closed or changed names.

• Equity Line — An equity line is also a mortgage, but it allows the homeowner to access the equity in the home. Even though the homeowner may have paid the equity line in full, as long as the mortgage is recorded, it is a valid lien on the home.

errors in public records

Buying a home is a major event in a person’s life. Beyond the basic shelter it provides, a new home purchase often signals a turning point in our lives, one that makes us crave a more permanent space to make our own. It often happens at a time when we are tired of renting small apartments that no longer provide what we need. Choosing a home is a difficult decision to make and, often a much more difficult plan to see to fruition. With so much time and money involved, we hope things will come together quickly, so that the home we want will be ours. In such an important process, mistakes are sure to occur that slow things down. Even though the house you want to purchase will be new to you, it already has a history. To establish a clear title on a property, a title search will need to be completed. One frequent problem during the title search, is an error in public records. What effect can a public records error have on the deed in question?

errors in public recordsDuring a title search, both municipal and county officials will check any documents that are associated with the property. This includes street assessments, sewer assessments, judgements, special taxes and assessments, along with any other documents that have to do with the title. Although these are official government documents, sometimes human error can cause a problem during the title search. Errors in spelling, wrong address, inaccurate property description, and incorrect information can all influence the deed and cost you unexpected fees. One example of an error in public records is a property description that seems to be correct, such as the square footage of the house. Banks only offer 80-90% of the home’s appraisal value and if the square footage of the home is not the same as that listed in the documents concerning title, the homebuyers may run into problems with the loan amount. The buyers may find themselves unable to get the loan amount they need, leaving them unable to buy the home. Mistakes in the filing of documents, pending legal action, or undisclosed mortgages can also add to a homebuyer’s problems. With all these issues and more, how can you avoid public records errors when buying a home?

The truth is, you cannot completely avoid errors in public records since you do not have control over the history of a property you wish to buy, and you certainly cannot control a mistake that may have been made decades ago. However, there is one thing that can protect your rights of ownership from errors that are found in public records. A Lender’s Policy only protects the loan, not the property. A homeowner’s title insurance policy from Heights Title Services, LLC will protect you for the whole time you own your home. The only time your coverage decreases is when you make those changes to your policy. Depending on the coverage you choose, this may cover the legal costs you may incur while defending your interests and the losses you sustained because of a title error.