When a home is purchased, title insurance is one of the closing cost items on the closing statement. This insurance protects the buyer from defects in the title that are not discovered until after the closing. There are two kinds of title insurance--coverage that protects the lender for the balance of the mortgage if the buyers have a loan, and coverage that protects the buyers' equity in the property.

It is prudent to purchase owners' coverage because most of the title problems that arise after a closing are not from a sloppy title search, but are the result of inaccurate information in the public records. The ownership chain goes back a long way, and fraud or misrepresentation anywhere in the chain could mean big problems. Title insurance will protect you if a wife or husband did not properly sign off on the ownership papers or if the property was sold as part of an estate that was later disputed. Most people do not have to deal with the title insurance company after the closing, but this coverage could save your investment if a problem arises.

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Paul Augustine
RE/MAX Centre
2701 York Rd.
Jamison, PA 18929
Cell: (215) 565-5335
Office: (215) 343-8200 x.115
PaulAugustine@NUMBER1EXPERT.com

Serving Southeast Pennsylvania, my areas of expertise are residential and investment real estate. Horsham, Hatboro, and Warminster are my core market areas. I am a life-long resident of Horsham, so I have an intimate knowledge of the Southeast Pennsylvania real estate market.

Southeast Pennsylvania has so much to offer, and each buyer and seller's individual needs are unique. My knowledge of the local market allows me to help my clients make informed decisions about where to move and when to move. If they are selling, I want to use my market expertise to help them sell for top dollar. If they are buying, I want to make sure they buy under the right terms and for the right reasons - I take a lot of time to tune in to their interests, wants, and needs to help them decide where to buy.

My professional designations and accolades include:
-Accredited Buyer Representative (ABR)
-Certified Distressed Property Expert (CDPE)
-Certified Residential Specialist (CRS)
-RE/MAX 100% Club (2006-Present)

With most of my business coming from repeat and referred clientelle, the primary focus for me is serving my clients during and after their transactional needs are met. Along with a network of excellent service and trade professionals, I oversee all the details of my clients move and give them a great experience!

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