Real Estate Transactions

We represent buyers and sellers in negotiating and reviewing real estate contracts. We also assist buyers and sellers with performing their due diligence to make sure they comply with all the time sensitive events pursuant to the contract. Our firm will also assist with any document preparation that may be necessary and accompany clients to closing in the event it is conducted in someone else’s office.

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We will assist you in obtaining the title insurance necessary in your property transaction. Title insurance is a form of insurance which insures against financial loss from defects in title to real property and from invalid or unenforceable mortgage loans. Title insurance is meant to protect an owner’s or a lender’s financial interest in real property against loss due to title defects, liens or other matters. It will defend against a lawsuit attacking the title or reimburse the insured for the actual monetary loss incurred, up to the dollar amount of insurance provided by the policy. At the Law Office of Jose R. Fernandez, our real estate attorneys are certified The Fund agents. 

It’s vital that our clients have trust and confidence in their newly purchased property, and our unique expertise offers brokers, realtors, lenders, and banks the assurance they need to move forward with their real estate transactions. Working across the spectrum to offer both lenders’ and buyers’ title insurance, we ensure that you’re protected from fraud or forgery issues that might affect your ownership and clear title to your property.

Entering your funds into an escrow account can feel risky, but our experienced team ensures that doing so will further the process and facilitate closing as efficiently as possible. Understanding the intricacies of our market and with experience navigating commercial, residential, new construction, refinance, international relocation, and timeshare transactions your escrow funds are entered securely and released expediently.

Owner’s Policy

The owner’s policy assures a purchaser that the title to the property is vested in that purchaser and that it is free from all defects, liens and encumbrances except those listed as exceptions in the policy or are excluded from the scope of the policy’s coverage. It also covers losses and damages suffered if the title is unmarketable. The policy also provides coverage for loss if there is no right of access to the land. Although these are the basic coverages, expanded forms of residential owner’s policies exist that cover additional items of loss.

The liability limit of the owner’s policy is typically the purchase price paid for the property. As with other types of insurance, coverages can also be added or deleted with an endorsement.  The premium for the policy may be paid by the seller or buyer as the parties agree.  One should inquire about the cost of title insurance before signing a real estate contract that provides that he pay for title charges. Our real estate attorneys can provide detailed information as to the price of title search and insurance before the real estate contract is signed. Title insurance coverage lasts as long as the insured retains an interest in the land insured and typically no additional premium is paid after the policy is issued.

For a free consultation, please call us at the Law Office of Jose R. Fernandez, P.A.

Miami (305) 403-4422

Tallahassee (850) 577-0023

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