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Buying a home? You need to be certain that the seller is the true owner of the property and that no outstanding issues damaging title carry over to you.<\/span><\/p>\n Why? Because if there are problems with the title it can restrict the use of the property and ultimately result in financial loss. That\u2019s where Bright Light Land Title can help you. \u00a0We conduct a comprehensive title search that will cover your investment with a title insurance policy to give you peace of mind that your ownership is free and clear of any issues. <\/span><\/p>\n The cost is minimal and is only paid once. There are no renewal premiums, and there is no expiration date on the policy. Yet the protection lasts as long as you, or your heirs, maintain an interest in the property. In the state of Florida, rates are promulgated, that is they are set and issued by the Florida Office of Insurance Regulation. They have not changed since 1999! What else do you know of that has not gone up in price for that length of time?<\/span><\/p>\n There are two types of title insurance policies: The Owner\u2019s Policy and the Loan Policy. The Owner\u2019s Policy protects the homebuyer. The loan policy protects the lender. Most lenders will require a loan policy when they loan money. The loan policy is typically based on the actual loan amount (the amount you are borrowing). It protects the lender\u2019s interests in the property should a problem with the title arise. It does not protect the buyer. The policy amount decreases each year and eventually disappears as the loan is paid off. An owner\u2019s policy is typically issued based on the sales price of the property and provides protection for as long as you or your heirs have an interest in the property. Each policy protects the insured\u2019s respective interests in the property.<\/span><\/p>\n Some common items that title insurance protects you from are:<\/span><\/p>\n <\/p>\n Selling your house? \u00a0Bright Light Land Title will work with you to coordinate any satisfactions of liens and prepare all the necessary closing documentation to make the experience for you and the buyer as smooth as possible. We promise competitive rates, great communication and amazing service.<\/span><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ custom_padding__hover=”|||” custom_padding=”|||”][et_pb_sidebar global_module=”553″ saved_tabs=”all” orientation=”right” area=”sidebar-1″ background_layout=”light” remove_border=”off” show_border=”on” \/][et_pb_image _builder_version=”3.2.2″ saved_tabs=”all” src=”https:\/\/secure.titlecompanywebdesign.com\/brightlightlandtitle\/wp-content\/uploads\/sites\/202\/2018\/12\/ab-seal-horizontal-blue-e1544547264134.jpg” align=”center” global_module=”6018″ align_last_edited=”on|desktop” align_tablet=”center” \/][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=”1″ admin_label=”section” module_class=”button-schedule” _builder_version=”3.22″ background_color=”#ffffff” custom_padding=”0px|0px|0px|0px” custom_padding_tablet=”30px|0px|0px|0px” transparent_background=”off” padding_mobile=”on” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” prev_background_color=”#000000″ inner_width=”auto” inner_max_width=”1080px” global_module=”522″][et_pb_row admin_label=”row” global_parent=”522″ column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”1″ padding_mobile=”off” make_equal=”on” column_padding_mobile=”on” module_class=” et_pb_row_fullwidth” _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”100%” width_tablet=”100%” width_last_edited=”on|desktop” max_width=”100%” max_width_tablet=”100%” max_width_last_edited=”on|desktop” custom_margin=”0px|0px|0px|0px” custom_padding=”0px||0px|” make_fullwidth=”on” use_custom_width=”off” width_unit=”on”][et_pb_column type=”1_2″ global_parent=”522″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_map global_parent=”522″ address=”4400 E Hwy 20 #505, Niceville, FL 32578, USA” zoom_level=”16″ address_lat=”30.489433420377203″ address_lng=”-86.42152056130749″ disabled_on=”on|on|on” module_class=”absolute_map” _builder_version=”4.3.4″ child_filter_saturate=”65%” disabled=”on” saved_tabs=”all”][et_pb_map_pin title=”Bright Light Land Title” pin_address=”4400 E Hwy 20 #505, Niceville, FL 32578, USA” pin_address_lat=”30.4890578″ pin_address_lng=”-86.4215117″ _builder_version=”3.2.2″]<\/p>\n 4400 E. Highway 20, Suite 505, [\/et_pb_map_pin][\/et_pb_map][et_pb_code admin_label=”maps” global_parent=”522″ _builder_version=”4.3.4″]\n
Sellers<\/h3>\n
Buyer and Seller Benefits with Bright Light Land Title:<\/h3>\n
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Niceville, FL 32578<\/p>\n