4 WAYS EVERY HOME BUYER CAN SAVE ON TITLE INSURANCE
When you find the home of your dreams, make an offer and apply for a mortgage, you might not give much thought to the cost of title insurance- but that can be a mistake.
A title policy defends buyers ( and lenders) from future property ownership claims, surprise liens and other potentially costly complications with property titles.
Home buyers usually purchase title insurance as part of closing costs and often take the first title insurer suggested by the seller. Unfortunately, many buyers get sticker shock when they realize how much title insurance is. The fees are generally about 1 percent of the loan amount. However buyers can cut the cost of a title insurance policy by hundreds of dollars if they are willing to ask questions and get independent guidance.
Here are four ways you can save money on title insurance :
SHOP AROUND FOR THE BEST DEAL
Title insurance involved a two part process. First, a search of a property's title history is conducted to look for errors or problems with the deed. Then, an insurance policy is underwritten to protect the buyer if any issues are discovered.
In several states,insurance providers are allowed to set their own prices. A good place to start comparason shopping is the website of the American Land Title Association whih provides a search engine based on geography. Buyers need someone who has an independent thought and who is well-versed in real estate. The best person for that is often an attorney.
NEGOTIATE THE ADD-ON FEES
In states where insurance is highly regulated, title insurers don't have much wiggle room on their rates. However in nearly all cses, extra fees are part of the transaction when you buy a title insurance policy. These charges can be negotiable even when the insurance premiums are not.
ASK FOR THE 'SIMULTANEOUS ISSUE RATE"
Homebuyers purchase title insurane to protect themselves. At the same time, their mortgage company will likely require that a separate insurance policy be issued in the lender's name. It is typically for the borrower to pay for both.
Although the two insurance policies are independent of one other, borrowers can buy them together and save. Always be sure to ask for the discount.
ASK THE SELLER TO PAY FOR YOUR POLICY
When a local real estate market favors buyers over sellers, homebuyers may feel emboldened to ask sellers to pay for title insurance. That used to be a very unusual request, however, in a buyers market, seller's are motivated and may be more willing to negotiate.
However, buyers should not lose sight of the overal goal, which is to close the sale. There are many other concessions buyers can ask for in a deal- such as reduced purchase price or a home warranty - that save even more money than having the seller pay for title insurance.
August 1, 2017
HOW TO GET A BETTER DEAL ON TV SERVICE WITHOUT CUTTING THE CORD
Although the idea of cutting the cord on expensive cable or satellite TV costs sounds amazingly liberating, the unfortunate truth is that this would mean losing access to some of your favorite shows and channels. Even if you could find most of your shows on Netflix, could you really stand to wait several additional months to find out what's happening on "Jane the Virgin" or " New Girl"? If not, there's still a way to cut the cost of your current TV service without cutting the cord. Here are 5 steps you can to negotiate with your current TV service provider for a lower monthly payment.
1. Get to know your current contract. Whether we choose to admit it or not, most of us don't fully understand the ins-and-outs of the contracts we sign with service providers.
2. Search for a better deal. The next step is to find out what kind of deals are outthere that you're not taking advantage of. All providers will run special pricing on certain packages from time to time.
3. Know your stuff. Customer service representatives are more likely to win a negotation with consumers who haven't done their reserach. This is because they usually have counter arguments in their back pocket that help them get a leg up on incoming callers.
4. Pick up the phone. This tip is siple but it also arguable one of the most important parts of negotiating for a lower monthly bill: pick up the phone. It might be easier and perhaps more efficient to send an e-mail or engage in an online chat with a representative, but your negotiation will be far stronger over the phone. Make it clear that cancelling your account is on the table and be persistent in your asking for the lowest advertised rate.
5. Solidify your agreement. Once's you've come to an agreement with your TV service provider, don't just assume that your next bill will reflect the changes you've requested. Ask for a specific date for when this will go into effect and review the terms you've agreed upon one more time. Be sure to write these terms down.
In case you did not know, I also do Property Management. But only in the Greater Kirkland area. If you are interested in knowing more about this service, please give me a call.
I am so very pleased to introduce the new members of my Team . . . .
Janessa and Sharon and Becky
AMERICAN FAMILY INSURANCE
1320 Market St Suite "B"
Kirkland, Wa 98033
HERE IS WHERE THE INVENTORY HAS DISAPPEARED . . . . . .
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|King County Property Taxes|
To check King County Taxes on your property or assessed value, please center your mouse over King County Taxes.
|LWSE Dressage Horse Show|
September 17th 8 am to 5 pm Bridle Trails State Park
Bring your horse and join the Lake Wshington Saddle Club for a relaxes schooling show, judged by top-level local certified dressage judges.
|Surface and self|
A duel artist show Surface and Self featuring William Turner and Peter Knox, an encounter between abstraction and representation.
|Rock this Town|
September 23rd Times vary - Prices vary
" Rock this town" is a family friendly concert featuring the 2017 SAI Champs, Frenzy, the 2006 BHS Champs, Vocal Spectrum and the amazing ladies of a cappella Joy from right here in Kirkland.
|Maelstrom Brewing Company|
Check out Kirkland's newest brewery that opened this summer. Located in ParMac/Southwest Totem Lake just a block off the Cross Kirkland Corridon, Maelstrom Brewing company has a great deck and hosts an array of food trucks.
|Outdoor Salsa Mrine Dance Party|
September 2nd Marina Park 5 pm
Salsa Marina is the only outdoor salsa event on the Eastside ! Watch professional performances or join in a class at the Kirkland Marina Park under the roof of main gazebo.
|Kirkland Kids Triathlon|
September 9th 11:00 am Juanita Beach Park
Kids ages 3-12 can swim, bike and run in a triathlon just for them ! The kids Triathlon includes a 50 yard swim in Lake Washington, a one-half mile bike ride, and a 400 yard run. All segments will be in the park, so parents can rest easy and spectators can catch all the fun. Race is non-competitive.
$32 entry fee includes tax
|All Porsche Grand Display|
September 10th 9 am to 3:30 pm - Carillon Point - $10 Adults; $5 for ages 13-17
The Porsche Club of American presents its Third annual All Porsche Grand Display at Carillon Point.
The Porsches are coming ! The Porsches are coming ! This display of all things Porsche incudes sports cars, panamera Sedans, Cayenne SUV's, tractors, clothng, sporting equipment, drivers collection and memorabelia. There will also be some unusual, unique and historic road and truck cars, along with vendor booths, food and music. It's a Porsche lovers dream come true !
|Tall ships in Kirkland|
September 7th -11th - 425-822-3700-Times Vary - The woodmark Hotel
The tradition continues ! This Labor Day Weekend, plan your visit to Carillon Point and unleash your "inner pirate" ! Ever wantd to know what is was like to sail on the high seas? Ask the crew while you tour the majestic tall ships when they dock at Carillon Point this summer. Public tours and sailings offered throughout the week-end.
September 22nd thru 24th 2017 - Times Vary - Marina Park
Get a jump on Oktoberfest by celebrating in September.
Kirkland's newest event features authentic German music, German and local beer and German-style food. But it's more then just a beer garden. There will be weiner dog races, costume contest and a pumpkin decorating competition. Fun for the whole family. Proceeds support local nonprofit organizations, charities and businesses.
Sept 9th, 16th - times vary - Carillon Point $69
Game day Husky boat cruises are back ! Don't worry about fighting traffic or finding parking. Instead relax and enjoy a scenic boat ride to and from the game aboard the luxurious "Champage Lady" complete with No Host bar service onboard.
|Kirkland Police Department Benefit Car Show|
September 9th - 9 am to 3pm- Kirkland Justice Center 11750 NE 118th St. Kirkland 98034 FREE
Join the second annual Car Show to benefit Police Explorers. Car enthusiast from around the region bring their beautiful cars for all to enjoy. The new Kirkland Justice Center provides an awesome backdrop for these spectacular vehicles. The day will include live music from the 80's rock band, Hair Nation, hamburgers and hotdogs on the grill, and an opportunity for attendees to select the winning car in the People's Choice Catagory.
|Kirkland Performance center-Concert for Cancer|
September 9th 7:30 pm - prices vary
In concert for Cancer is an annual concert event that unites, inspires, and gives up hope to cancer patients, survivors, and the commubity by sharing the joy of world-class, live music performances.
|Juanita Farmers Market|
Every Friday starting June 2nd thru September 29th 2017 from 3:00 to 7:00 PM Juanita Beach Park -
Friday Market offers delicious locally grown fruits, fresh produce and beautiful flowers. Special guests are featured in the community booth and there is live music all summer long. FREE
|Downtown Kirkland Farmers Market|
Every Wednesday starting June 7th - 2017 to September 27th 2017 from 2:00 to 7:00 PM Marina Park.
Vibrant, Lively and Luscious, the Kirkland Wednesday Market features locally produced fruits, vegetables, cheese, meats, jams, breads and pastries along with the arts and crafts.
|Life Open studio|
Drop in drawing, painting or sculping sessions. Open to the community; registration not required. $8 .00 fee. Sundays 1-4:00pm - 3rd floor - Kirkland Arts Center
Local Area cooking classes ( check websites for full schedules)
Sur La Table: Details:www.surlatable.com
Last Friday of each month 6:30 pm/Kirkland Arts Center- come share a meal and discuss current art issues, includes short presentation and creative exercise.