Weiss Title Services offers real estate closings and title insurance for:
✿ Residential - see below
✿ Short Sales - see below
✿ FSBO – For Sale By Owner - see below
✿ 1031 Exchanges
✿ New Construction
✿ Courtesy Closings
✿ Mail Away Services - see below
✿ We even do Mobile Closings! - see below
Weiss Title Services is a fully mobile licensed title agency! We can travel to our clients at any location and perform all closing services. Files are stored completely and securely in the cloud and accessible 24/7 by our staff. We have the equipment to go into a closing at any location, make on the spot changes as needed, print new documents, scan closing documents to the lender for their review, and have all clients leave with their checks in hand once the closing is completed.
Residential Real Estate Closings
Weiss Title Services has extensive experience representing buyers and sellers at real estate closings. We work hard to help ensure our clients' rights are protected and come to every transaction with a detail-oriented legal approach that enables us to resolve all issues burdening a property. We bring our clients a high level of protection during their real estate transactions because we are well-versed in the ever-changing Florida property laws.
When our client is responsible for obtaining title insurance, we handle the matter in the most efficient and effective manner. We review the title searches and lien searches to ensure that all your bases are covered.
When buying and selling property, you need a rock-solid title insurance company
And that’s what Weiss Title Services is. Our searches can unearth a host of problems that could jeopardize title to a property, including defective property descriptions, liens, unpaid municipal charges and even forgery. You can count on us to protect your rights in a real estate deal.
Weiss Title Services Protects You
For owners who can no longer afford to keep mortgage payments current, there are alternatives to bankruptcy or foreclosure proceedings. One of those options is a short sale. At Weiss Title Services we can help to facilitate a short sale.
Short sales have become more prevalent in recent years because of declining property values nationwide. A short sale occurs when a piece of property, usually a home in danger of foreclosure, is sold for less money than what is owed on the mortgage. The Mortgage Forgiveness Act of 2007 provides tax relief for short sellers through 2012, making short selling an even more attractive option.
Short sales are complicated transactions. They involve a seller, a mortgage holder, a buyer, a mortgage insurance company, real estate firms, an escrow agent from a title company and others. Each party’s interests must be taken into account and each step requires full disclosure to all parties. Negotiations can drag on for months as a lender decides whether to allow the short sale or force foreclosure. Weiss Title Services can help make a short sale as seamless and painless as possible. Our expert short sale service includes:
1. Call the lender. You may need to make many phone calls before you find the person responsible for handling short sales. You do not want to talk to the "real estate short sale" or "work out" department. You want the supervisor's name, the name of the individual capable of making a decision.
2. Submit a letter of authorization. Lenders typically do not want to disclose any of your personal information without written authorization to do so. If you are working with a real estate agent, closing agent, title company or lawyer, you will receive better cooperation if you write a letter to the lender giving the lender permission to talk with those specific interested parties about your loan.
3. Preliminary net sheet. This is an estimated closing statement that shows the sales price you expect to receive and all the costs of sale, unpaid loan balances, outstanding payments due and late fees, including real estate commissions, if any. We will prepare this for you, if you do not know how to calculate any of these fees. If the bottom line shows cash to the seller, you will probably not need a short sale.
4. Hardship letter. This statement of facts describes how you got into this financial bind and makes a plea to the lender to accept less than full payment. Lenders are not inhumane and can understand if you lost your job, were hospitalized or run over by a truck, but lenders are not particularly empathetic to situations involving dishonesty or criminal behavior.
5. Proof of income and assets. It is best to be truthful about your financial situation and disclose assets. Lenders will want to know if you have savings accounts, money market accounts, stocks or bonds, negotiable instruments, cash, real estate, or anything else of tangible value. Lenders are not in the charity business and often require assurance that the debtor cannot pay back any of the debt that it is forgiving.
6. Copies of bank statements. If your bank statements reflect unaccountable deposits, large cash withdrawals or an unusual number of checks, it's probably a good idea to explain each of those line items to the lender. In addition, the lender might want you to account for each and every deposit so it can determine whether deposits will continue.
7. Comparative market analysis. Sometimes markets decline and property values fall. If this is part of the reason that you cannot sell your home for enough to pay off the lender, this fact should be substantiated for the lender through a comparative market analysis (CMA). Your real estate agent can prepare a CMA for you, which will show prices of similar homes that are Active on the market, Pending sales and Sold during the past six months.
8. Purchase agreement and listing agreement. When you reach an agreement to sell with a prospective purchaser, the lender will want a copy of the offer, along with a copy of your listing agreement. Be prepared for the lender to renegotiate commissions and to refuse to pay for certain items such as home protection plans or termite inspections.
If everything goes well, the lender will approve your short sale. As part of the negotiation, you might ask that the lender not report adverse credit to the credit reporting agencies, but realize that the lender is under no obligation to accommodate this request. Credit report status is not always negotiable.
Weiss Title Services is the agency you can trust to handle every detail professionally, efficiently, transparently and affordably. The lines of communication are always open at Weiss Title Services and because we store documents digitally using the latest, most-secure computer software, important information can be in your hands in minutes, rather than hours or days.
Mail Away Service
Weiss Title Services is always happy to assist out of town buyers or sellers with the closing of their home. By utilizing our Mail Away services you do not need to be in Florida to close the purchase or sale of your home. We can either overnight, fax, or email you all of the documents that you need and you can return them to us for a successful closing. If you have any questions on any of the forms we are always happy to help. Simply let us know that your closing will be a mail away and we will schedule everything accordingly. Weiss Title Services wants to go above and beyond and provide you with the best possible service on the closing of your property.
For Sale By Owner Checklist - How to Get the Most For Your Home
First impressions are probably one of the more important factors in selling your home (besides price). So when you put your home on the market, it will pay to make sure your home looks its best. You can accomplish this by viewing your home as if you were the “prospective buyer”. Imagine you are seeing the home for the first time, and try to notice its highlights and drawbacks. Then, start sprucing up in order to “emphasize and add” to its highlights. This is often easier said than done, because some things may be easily overlooked unless you decide to make your improvements systematically. We’ve prepared a checklist to help you do just that. As you will see, it includes tips which can make virtually any property look its best. This will assist you in selling your home at the best price – fast. Check off the items that apply to your home. If an item calls for an expense (i.e. painting, etc.), weigh the cost to the results of your investment.
__ Trim Shrubs
__ Mow lawn
__ Weed flower beds
__ Repair walk, driveway
__ Repair steps, porch
__ Clean porch light, post lamp
__ Clean siding
__ Paint trim, front of house, front door, mailbox
__ Paint sides, back of house
__ Repair roof, gutters, down spouts
__ Clean/repair screens
__ Clean/paint/repair garage -dispose of what you don’t intend to keep
INSIDE – GENERAL
__ Paint where necessary
__ Clean/fix windows, make sure doors/windows are operating freely - lubricate with wax or WD-40
__ Clean/polish floors
__ Replace burned out light bulbs, brighten other lighting with more powerful bulbs
__ Fix squeaking floors/doors
__ Fix light switches/electrical outlets
__ Repair/repaint cracked walls/ceilings
__ Fix faucet drips, fix leaky pipes under sink areas
__ Clear clogged drains
__ Clean fireplace, lay logs for fire or seasonal arrangement
__ Straighten all closets
__ Use room deodorants to remove any odors
__ Vacuum/shampoo rugs
__ Clean/polish brass, metal, etc. fixtures
__ Clean up and dispose of items you are not going to move with you
__ Paint/clean cabinets
__ Use bright window treatments
__ Clean ventilating hood/fan
__ Clear off counter tops to make kitchen look spacious and neat
__ Make sure drawers slide smoothly and are organized
__ Clean exterior of range, oven, refrigerator and other major appliances
__ Put out fresh towels
__ Clean fixtures, tub, toilet
__ Replace toilet seat
__ Clean shower curtain
__ Clean tile/shower walls
__ Make beds
__ Use most attractive bedspread/curtains
__ Plump up cushions
__ Stack newspapers/magazines
__ Clean television screen
__ Polish table, buffet
__ Clean glass in china cabinet
__ Remove hanging clothes
__ Put away laundry soaps, etc.
THEN LET YOUR HOME SELL ITSELF.
When showing your home, answer any and all questions the potential buyer may have, and you should disclose any information about the house that you are aware of.