Point Loma, Pacific Beach and North Park real estate and homes for sale in California, downtown metro properties, luxury estates - Tracie Kersten and Ryan Mathys, REALTORS® Tracie Kersten and Ryan Mathys REALTORS(r) for Point Loma, Pacific Beach and North Park, California real estate, downtown metro properties, luxury estates - NUMBER1EXPERTS™ Tracie Kersten and Ryan Mathys NUMBER1EXPERTS(tm) for Point Loma, Pacific Beach and North Park, California real estate, downtown metro properties, luxury estates
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Real Estate Tips
Titles >Do You Really Need Title Insurance

When a home is purchased, title insurance is one of the closing cost items on the closing statement. This insurance protects the buyer from defects in the title that are not discovered until after the closing. There are two kinds of title insurance--coverage that protects the lender for the balance of the mortgage if the buyers have a loan, and coverage that protects the buyers' equity in the property.

It is prudent to purchase owners' coverage because most of the title problems that arise after a closing are not from a sloppy title search, but are the result of inaccurate information in the public records. The ownership chain goes back a long way, and fraud or misrepresentation anywhere in the chain could mean big problems. Title insurance will protect you if a wife or husband did not properly sign off on the ownership papers or if the property was sold as part of an estate that was later disputed. Most people do not have to deal with the title insurance company after the closing, but this coverage could save your investment if a problem arises.

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Real Estate Trivia
Q 
Where in the United States will you find the largest concentration of million-dollar homes?

A 
There are almost 314,000 million-dollar homes in the United States, and 41% of these are located in California.
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Tracie Kersten and Ryan Mathys, REALTORŪ, real estate agents and broker for Point Loma, Pacific Beach and North Park California home listings, property and land for sale - NUMBER1EXPERT(tm)

Tracie Kersten and Ryan Mathys
Profund Financial and Real Estate

7777 Fay Ave #G4
La Jolla CA 92037
Ryan Cell: (858) 405-4004
Tracie Cell : (619) 886-5294
Fax: (619) 374-2426
Ryan Email: ryan@profundrealestate.com
Tracie Email: tracie@profundrealestate.com

As the founders of ProFund Financial & Real Estate, we are able to offer a unique service and value to our clients by representing them in buying or selling their home as well as providing an extensive choice of financing options. This allows us to offer our clients a full service package that can be worth thousands of dollars in savings. We take a big picture approach to helping our clients over a lifetime, not just the transaction. We do this by educating clients about real estate and financing, communicating throughout the transaction and following up long after it is completed. We believe that everyone deserves GREAT representation and service. The right team can make all the difference, just ask our clients. Company DRE License #01524357 Tracie Kersten: #01137669 Ryan Mathys: #01361941

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