A lien is a legal claim against your home for a debt, and it tends to surface right when you are selling or refinancing. Here is what a lien is, the common kinds in Virginia, and how each one comes off.
Deed and title sound like the same thing but they are not. Title is your ownership; a deed is the document that transfers it. Here is the difference, and why it matters.
West Virginia title insurance uses the same owner's and lender's policies as Virginia. Here is what carries over, who regulates it, and how cross-border closings work.
An enhanced owner's title policy covers more than a standard one, for a higher premium. Here is the difference and how to decide which fits your home.
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.