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Trombley & Kfoury PA
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Owner’s and Lender’s Title Insurance: Lender’s Policy – If you have ever taken out a mortgage on your home it is likely that the lender required you to purchase a title insurance policy. Then lender’s policy is also known as a loan policy and most...

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Tenancy in New Hampshire: New Hampshire has two types of tenancy, Tenants in Common and Joint Tenants with Rights of Survivorship (JTWROS). This has been the law in New Hampshire since November 13, 1959. Every conveyance of real estate to two or more persons...

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Assessment Versus Market Value: In an update year, assessments as of April 1st should be fairly representative of market value. Because sales are based on emotional likes and dislikes of buyers, there is no one right number, but rather a range of numbers depending...

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Warranties on new homes: You are buying your first new home here in New Hampshire and you wonder whether the builder has to offer you a warranty on it. Contrary to popular belief, there is no such thing as a “statutory builder’s warranty” on...

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Housing Outlooks for 2017: Here are eight housing predictions from the experts: Prices will continue to rise, but more slowly. In 2016, prices rose every month up until October. The prediction is that price increases will hold steady because homebuyer demand is stronger than...

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Information for Homebuyers: A Buyer normally pays for the following: Recording the new deed Their share of the tax stamps. Tax stamps in New Hampshire are 1.5% of the purchase price and are split equally between the buyer and seller The title examination...

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What a #RealEstate Attorney can do for a #ForSaleByOwner Seller: You have decided to sell your own home without the help of a realtor. What are some of the things you should know. It’s a good idea to hire a real estate attorney to help with the closing phase. They...

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How do we determine that your title is valid?: The title company makes sure that the title to a property is legitimate, so that a buyer is assured that once he buys property he is the rightful owner. To ensure that the title is valid a title search will...

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What does a Title Company do?: A title company makes sure that the title to a piece of real estate is legitimate and then issues title insurance for that property.  Title insurance protects the lender and/or owner against lawsuits or claims against the property that result...

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Borrowers Underestimate Home Equity: Research done by Fannie Me shows that although home prices continue to rise, many homeowners and borrowers alike continue to underestimate the amount of equity they have in their homes.  According to a recent Redfin report,  misinformed homeowners and borrowers...
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