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No matter where your located we can help!
We Pre-Approve you for your New Home or Refinance We Approve and Complete all of the Loan Conditions We Fund your Mortgage Loan
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Seller Carry Back Note Purchases
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- We purchase seller carry back notes for
Cash!
- We work with you
to get the best price for your Note
- We accomplish this process for you within 3 weeks
- If you have a Note you would like
to sell give us a call
We
list your 'Home For Sale' or Find you a New Home We handle
your complete Real Estate Transaction, Disclosures, etc,. We offer you
extra services and benefits when you do both your Mortgage and Real Estate with us.
- We provide you with quality Escrow Services
- We provide you with new Homeowners and Fire Insurance
- We give you special discounts on your Escrow Fees
- We
are a Full Service Real Estate and Mortgage Company
Fidelity National Title Insurance Company(FNTIC) takes pride in title and escrow services that meet customer demands for
efficient and timely processing and quality products. Through its nationwide network of direct operations and agents, FNTIC
provides title insurance, underwriting, escrow and closing services to residential, commercial and industrial clients, lenders,
developers, attorneys, real estate professionals and consumers.
FNTIC also performs other title-related services such as:
| Escrow Reconveyances Recordings Attorney services Flood certification Credit
reporting | - Collection and trust
activities
- Trustee sales guarantees
- Real estate tax service
- Foreclosure publishing & posting
- Exchange intermediary
services
- Real estate information & technology services
| Fidelity also
performs specialty finance functions such as:
| | Originating Funding Purchasing Selling | - Securitizing
- Servicing
equipment leases for a broad range of businesses
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An appraisal
is a professional appraiser's opinion of value. The preparation of an appraisal involves research into appropriate market
areas; the assembly and analysis of information pertinent to a property; and the knowledge, experience and professional judgment
of the appraiser. The role of the appraiser is to provide objective, impartial and unbiased opinions about the value of real
property - providing assistance to those who own, manage, sell, invest in and/or lend money on the security of real estate.
At minimum, all states require appraisers to be state licensed or
certified in order to provide appraisals to federally regulated lenders. Appraisers have fulfilled rigorous educational and
experience requirements and must adhere to strict standards and a code of professional ethics. Qualified State Certified appraisers
bring knowledge, experience, impartiality and trust to the transaction. In so doing, they help their clients make sound decisions
with regard to real property.
Most appraisals are reported in writing, although
in certain circumstances, an appraiser may provide an oral appraisal. A written appraisal report generally consists of: a
description of the property and its locale; an analysis of the "highest and best use" of the property; an analysis
of sales of comparable properties "as near the subject property as possible"; and information regarding current
real estate activity and/or market area trends.
The value indicated by recent sales of comparable properties,
the current cost of reproducing or replacing a building, and the value that the property's net earning power will support
are the most important considerations in the valuation of real property.
In
addition to residential or commercial appraisal - and depending upon an appraiser's designation and qualifications - he
or she may be able to assist with the following:
- Feasibility studies
- Land utilization studies
- Expert witness testimony
- Supply and demand studies
- Market rent and trend studies
- Tax
assessment review and advice
- Estate planning and estate settlements
- Advice
in eminent domain and condemnation property transactions
- Cost analysis, for example, what
will be the financial return on remodeling.
- Dispute resolution-including divorce,
estate settlements, property partition suits, foreclosures, and zoning issues.
The following questions would be appropriate when selecting an appraiser: - How
long have they been in practice?
- Are they licensed or certified in the state in which you live?
- Are they familiar with market property in this neighborhood?
- How much of experience do they have with this type of property?
- What types
of clients have they had (homeowners, estates, lenders, relocation companies)?
Dedication
to Service
The AmeriSpec® Home Inspection is a visual
inspection of over 400 items including the foundation, roof, and structural components, plus visible electrical, plumbing
and mechanical operating systems of the property.
AmeriSpec’s highly-trained and certified inspectors have examined
more homes than any other home inspection company in North America and are setting the standards for the home inspection
industry. Our 400+ inspection findings are packaged
in an attractive, easy-to-reference, three-ring binder.
The AmeriSpec ReportTM features a comprehensive evaluation of the home, a Home Maintenance
Manual, a seasonal maintenance checklist, and a variety of home-related services from our family of ServiceMaster® companies.
Highly Trained
InspectorsAmeriSpec offers
the best training in the industry by combining classroom instruction and hands on technical training in our state-of-the-art
training facility. A replica of an actual home, complete with roof, hot water heater, plumbing, electrical wiring and
appliances, has been constructed on the premises for training purposes.
This home is specifically designed to train AmeriSpec business owners and inspectors on what
to look for when performing a home inspection. Parts of the house such as the entire kitchen, the garage door, and the
lights in the front lawn are fully functional.
Used water heaters, furnaces and air conditioning units from real homes are brought into the
training center classroom, giving inspectors the opportunity to examine these important home systems. This state-of-the-art
facility provides new AmeriSpec business owners and inspectors the training needed to make them the best in the industry.
Continuing EducationTo
enhance training in the classroom, AmeriSpec uses a complete educational training system developed specifically for AmeriSpec
by Carson Dunlop and Associates, one of the most respected names in professional home inspection training.
AmeriSpec also takes continuing education
seriously. Technical training classes are held periodically throughout the year to inform business owners about ancillary services and other inspection specialties. Spring and
fall regional meetings include technical, operational and marketing training.
Standards of ExcellenceAmeriSpec
inspectors are trained to perform a professional inspection that meets the highest standards in the industry. Additional ServicesIn
addition to general home inspections, AmeriSpec inspectors are trained to perform a large variety of ancillary services. Ancillary services vary by area but can include: - Mold testing
- Septic testing
- Water analysis
- Reserve studies
- Radon gas testing
- Energy
assessments
- Pool and spa inspections
- Carbon
monoxide testing
- Lead based paint testing
- New
home construction reviews
- Commercial building inspections
- Wood destroying insect inspections ...and much more.
Services
available vary depending on location.
What is a home warranty?A home warranty is a service contract, usually covering one year, which helps protect homeowners against the cost
of unexpected covered repairs or replacement on their major systems and appliances that break down due to normal wear and
tear. What is Basic Home Warranty Coverage?Generally, basic coverage for a home under
5,000 square feet, regardless of age includes the home's heating, plumbing, electrical system, water heater and major
appliances, such as range/oven/cooktop, dishwasher, garbage disposal, etc. Home warranties are available
for homes that are over 5,000 square feet for an additional fee. Is the AHS plan renewable?Yes,
warranty-holders may renew the AHS plan (at the option of AHS). American Home Shield will notify the homeowner in advance
of the expiration date, and AHS will offer a variety of convenient payment plans. I'm in the market for
a home. What's the benefit of buying a home covered by an AHS home warranty?An AHS home warranty
helps provide protection during and after a home purchase. When a covered system or appliance breaks down due to normal wear
and tear, you're protected for repair or replacement. There's no need to get back in touch with
the real estate agent or track down the previous owner. I'm selling my home. Why would I want a home warranty?An AHS home warranty gives buyers additional confidence in a real estate transaction—they know that AHS stands
behind the covered systems or appliances in the house. If they break down, buyers are covered for repair or replacement. An added benefit to the seller is that buyers will be calling us with their problems—not you. My
home systems and appliances are old. Does that matter to AHS?No, the age of a home or its systems and
appliances does not matter to AHS. We cover items that are in good working condition at the time you purchase the plan and
properly maintained. Plus, AHS covers all makes and models of appliances and systems.
Does AHS need to inspect my home systems and appliances before I enroll?No, AHS home
warranty coverage does not require a home inspection to purchase. Is there a fee for each visit?Yes, a fee called a trade service call fee is paid directly to the contractor for each covered breakdown, no matter
what the actual cost of the repair or replacement for your covered item. What is a trade
service call fee?A trade service call fee is the amount due when a contractor visits your home. Each
type of breakdown falls into a "trade" category, for example: a leaky pipe qualifies as a plumbing breakdown, while
a broken dishwasher is an appliance breakdown.
Since it may require more than one contractor
or several unrelated trips to the house by the same contractor (once to fix the pipe, another to fix the dishwasher), there
is a fee due for each "trade" a service call covers. It's perfectly alright to report more than one breakdown
at a time. Additional fees may apply if the repairs fall into different categories.
Is there a limit to the
number of repairs AHS covers?No, American Home Shield allows an unlimited number of covered repairs.
Worried About Termites? Here are some answers to common questions.
Can I tell if I have termites?
Unless there are obvious signs of active infestations, you probably won’t detect termites because they feed
hidden from view. Signs include discarded wings, wood that sounds hollow when tapped, cracked or bubbling paint and termite
droppings that look like sawdust (frass). You may also see mud tubes that look like this.
Does spotting a termite swarm mean it’s too late? If you see a termite swarm in or around your house, or find discarded wings from swarmers, call The Orkin Man immediately.
What
do termites feed on?
They feed on cellulose-based
material that includes wood, books, boxes, furniture and drywall. And termites can tunnel hundreds of feet through the soil
to reach food.
Why are termites such a threat to my home?
Termite colonies work 24 hours a day, and infestations can go undiscovered until serious damage is done. Because
homeowners insurance typically does not cover termite damage, termite detection and continued treatment are the best ways
to exterminate these pests and truly protect your investment in your property.
Case DisclosedThe law requires you to provide natural hazard information for your buyers.
The jury's still out on some disclosure reports, but not ours. When you need your information right away, call Stewart
Specialty Insurance Services. We deliver exceptionally fast, surprisingly affordable, complete records online. Stewart NHD disclosure reports evaluate:- Airport
Influence
- Military Ordinance
- Landslide Zone
- Liquefaction Zone
- Wildland Fire Area
- Earthquake Fault
Zone
- Notice of Special Tax Assessment
- Special Flood Hazard Area
(FEMA)
- Very High Fire Hazard Severity Zone
- Potential
Flooding Due to Dam Inundation
We are dedicated to providing our services with immediate turnaround. Environmental disclosures are also available,
as well as mold information, Megan's law information, local disclosure supplemental, and homeowner's guide to earthquake
and environmental hazards. We are dedicated to providing immediate turnaround.
Our disclosure report services are easy to use and available online 24/7/365.
Order today and access total disclosure information in a matter of minutes — for much less than you'd
expect. Over a Century of TrustReal estate brokers and agents, escrow companies and officers, and other real estate professionals prefer Stewart's
superior customer service and proven reliability in California, throughout the United States and internationally. Stewart
continues to set the standard in the real estate information, title and escrow services industries. When you want it done
fast and you want it done right, choose dependable, professional, natural hazard disclosure reports from Stewart Specialty
Insurance Services.
There are six 'hazard zones'. The disclosure law require all potential buyers to be told
whether the property is in one, or more, of the following zones:
1. A special flood
hazard zone as designated by the Federal Emergency Management Agency (FEMA).
2. A State mapped 'dam
failure inundation zone'.
3. A high fire
severity zone or 'bates' zone.
4. A State
mapped Wildland fire zone.
5. An Earthquake fault study
zone.
6. A Seismic Hazard Zone.
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