Owner's title insurance is optional, but it is the only thing that protects your own equity against a hidden title defect. Here is the honest case for it.
Title insurance is a one time premium based on price and loan amount. Virginia insurers set their own rates, so you can shop, and a reissue credit can lower it.
A reissue rate is a discount on your title insurance premium. Here is how to qualify in Virginia, on a purchase or refinance, and how to claim it.
A refinance needs a new lender's title policy, but your owner's policy stays in force. Here is what title insurance a Virginia refinance requires, and how to save.
Title insurance is a one time policy that protects against hidden problems in a property's ownership history. Here is what it covers and why it matters in Virginia.
A lender's title policy protects the bank; an owner's policy protects your equity. Here is the difference and why most buyers want both.
Title insurance covers hidden past defects, but every policy has exclusions and exceptions. Here is what is covered, what is not, and how to read your policy.
Property tax proration splits the tax bill between buyer and seller as of the closing date. Here is how it is calculated in Virginia and why the credit can go either way.
Title and settlement fees cover the title search, the owner's and lender's title insurance, the closing fee, and recording. Here is what each charge pays for in Virginia.
A seller concession lets the seller pay some of the buyer's closing costs, within loan program limits. Here is what it can and cannot cover in Virginia.