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Blog: Title and Escrow

Why Do You Need Title Insurance?

Title Insurance. It’s a term we hear and see frequently - we see reference to it in the Sunday real estate section, in advertisements and in conversations with real estate brokers. If you’ve purchased a home before, you’re probably fami... Read more

Understanding Title Insurance

What is title insurance? Newspapers refer to it in the weekly real estate sections and you hear about it in conversations with real estate brokers. If you’ve purchased a home you may be familiar with the benefits of title insurance. However, if this... Read more

Understanding Preliminary Reports

After months of searching, you’ve finally found it -- your perfect dream home. But is it perfect? Will you be purchasing more than just a beautiful home? Will you also be acquiring liens placed on the property by prior owners? Have documents been r... Read more

The Functions of an Escrow

Buying or selling a home (or other piece of real property) usually involves the transfer of large sums of money. It is imperative that the transfer of these funds and related documents from one party to another be handled in a neutral, secure and knowledg... Read more

Statements of Information

What’s in a name? When a title company seeks to uncover matters affecting title to real property, the answer is, “Quite a bit.” Statements of Information provide title companies with the information they need to distinguish the buyers ... Read more

Required Reporting to the I.R.S.

Sellers of real property will have certain information regarding the sale reported to the Internal Revenue Service. This required reporting is a consequence of the Tax Reform Act of 1986; it is intended to encourage taxpayer compliance and aid in audit a... Read more

Creative Financing

Creative financing: You’ve heard of it, and, as a seller, the idea sounds pretty attractive. But, do you know everything you need to know about carrying back a second; essentially, about becoming a lender? You better know the same things that financ... Read more

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We worked with Stephaine Ziemann when we recently sold our home. She was always available for a quick question and solid advice. Very knowledgeable about the real estate business. We trusted her input and expertise. The buyers also didn't use an agent so with neither side represented in the traditional sense, partnering with Stephanie helped us navigate the process, stay on track with our timelines and get to the closing table effectively. Stephanie also gave us names of companies for estimates on repairs needed. I would recommend Stephanie. Flat fee brokers are the way to go. Very fair fees and it allows for competitive pricing of homes without having to take into account a potential 6% extra costs to selling a home. Gwyn Garner
Stephanie was easy to work with and ended up making me $28,000 more than I thought I would. "Thank You", Stephanie! Jace Wainwright
We chose Stephanie because she has a discounted price for selling a home and my wife and I thought giving up a standard 6% ownership stake in our hard earned equity was a rip-off. Other brokers charging this promised more and said "You Get What You Pay For". That is nothing but a pile of hogwash because with Stephanie we got more than we paid for. I have owned far too much real estate in my life and used countless brokers charging me the full rate. Not one of them performed and went out of their way to get things done the way Stephanie did for us, including repairs and actually paying for one while we were traveling. Plus I used to be a licensed agent in Hawaii for 7 years, and know first hand that sellers get nothing more for their money using a broker charging 6%. If you can get a huge discount (in our case $8000) and superior service 2nd to none, it makes no sense to use anyone else. Unless you just don't like saving a pile of money! Larry Clutter
Simply Smart is the best way/value for selling houses. Stephanie has the experience to help someone new or the experienced write up a listing, advice on the photo shoot and pricing. I have saved well over $100,000 using her services. Yes I have to deal with the buying realtors but in a way it is in my best interest. Simply Smart is the best. Mike Scobee
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