DEBRA'S VENDORS

The following list of vendors have been selected because of their superior reputation and level of service within their industry. The names on the list below have proven to be fair and trustworthy while providing top-notch customer service. The list is comprised of vendors that I have had personal experience with, know & love.

CARPET CLEANING

Turner Carpet Cleaning 615-898-7578

DryCon Carpet - Brian Patterson 615-533-6641

HEAT & AIR REPAIR, SERVICE & INSTALL

DHC Heat & Air - Jerry Denton - 615-672-9622 (Davidson, Williamson, Sumner Counties)

Travis Heat & Air - Danny Travis - 615-893-5716 (Rutherford County)

HOME CLEANING

Magnolia Cleaning Services 561-846-9281 (residential weekly, bi-weekly, monthly & new construction)

HOME INSPECTORS

Premier Home Inspections of TN: http://www.premierinspectiontn.com 615-481-7293

Complete Home Inspections: http://www.completehomeinspectionsonline.com/ 615-473-8803

HOME INSURANCE

Raymond, Preston & Reed - Ryan White Office: (615) 866-2728

HOME STAGING EXPERT

Centered Staging - Michelle Cox - 615-585-0571 http://www.centeredstaging.com/

HOME REPAIRS/CRAWL SPACE

Rent A Husband - Nick Rosiu 615-474-7099

Property Services Incorporated - TJ Warren 615-983-2996

Environmental Control - Camille Therrien 615-969-5653

MOLD & RADON MITIGATION

Environmental Control - Camille Therrien 615-969-5653

LAWN CUTTING SERVICE

Property Services Incorporated - TJ Warren 615-983-2996

LAWN TREATMENT SERVICE

The Weed Man - Ken 615-867-7100

MORTGAGE LENDERS

Armando San Miguel - Ameris Bank 615-424-8444

TERMITE INSPECTOR

All American Pest Control

Office: 615-883-8526 | www.allamericanpestcontrol.com

Ferrell's One Stop Exterminating

933 Alford Rd, Murfreesboro, TN

(615) 896-2830

TITLE/CLOSING AGENTS

City Title 615-514-5647

TN Title Services 615-686-2521

What is Title Insurance?

Owning real estate is one of the most precious values of freedom in this country. You want the assurance that the property you are buying will be yours. Other than your mortgage holder, no one else should have any claims or restrictions against your home.

Title insurance is issued after a careful examination of the public records. But even the most thorough search cannot absolutely assure that no title faults are present, despite the knowledge and experience of professional title examiners. In addition to matters shown by public records, other title problems may exist that cannot be disclosed in a search. Title insurance eliminates any risks and losses caused by faults in title from an event that occurred before you owned the property.

Title insurance is different from other types of insurance in that it protects you, the insured, from a loss that may occur from matters or faults from the past. Other types of insurance such as auto, life, or health cover you against losses that may occur in the future. Title insurance does not protect against any future faults, but does protect you from risks or undiscovered interests. Another difference is that you pay a one-time premium for a policy that remains effective until the property is sold to a new owner - even if that doesn't occur for decades.

What is a Lender's Policy?
A lender's policy, also known as a loan policy or a mortgage policy, protects the lender against loss due to unknown title defects. It also protects the lender's interest from certain matters which may exist, but may not be known at the time of the sale.

This policy only protects the lender's interest. It does not protect the purchaser. That is why a real estate purchaser needs an owner's policy.

What is an owner's policy?
An owner's policy protects you, the purchaser, against a loss that may occur from a fault in the ownership or interest you have in the property. You should protect the equity in your new home with a title policy.

What does an owner's policy provide?
Protection from financial loss due to demands that may be charged against the title to your home, up to the cost of the title policy.

Payment of legal costs if the title insurer has to defend your title against a covered claim.

Payment of successful claims against the title to your home covered by the policy, up to the cost of the policy.

Why the seller needs to provide title insurance?
Any purchaser will need evidence that his investment in your property is free of title defects. The title insurance policy that you provide the purchaser is a guarantee that you are selling a clear title to your real estate, unencumbered by any legal attachments that might limit or jeopardize ownership. It will reassure your purchaser that he or she is protected from any risks or losses and could help you close your deal.

Why the buyer needs title insurance?
Without title insurance, you may not be fully protected against errors in public records, hidden defects not disclosed by the public records, or mistakes in examination of the title. As a result, you may be held fully accountable for any prior liens, judgments or claims brought against your new property. If this should occur, your title policy insures that you will be defended at no cost against all covered claims up to the amount of the policy.

How much does title insurance cost?
The insurance commission approves and controls the premiums for title insurance policies. The premiums are paid only once and the cost depends upon the purchase price of the property and the policy amount must be equal to the purchase price.

What does title insurance protect from?