If you finance your home, the lender will require you to purchase title insurance for the amount of your mortgage. You will be given the option of increasing the coverage to include your equity in the property. The owner's coverage fee is a one-time charge that protects your equity in your new home, including its appreciated value. Most experts agree that the additional coverage is a good idea.

Before your sale is finalized, the title company will inspect the public records and confirm the sellers' ownership of the property. They will look for any liens that may have been filed against the property, and that must be paid off before it can be sold. Even the most careful search, however, cannot guarantee that there was not an error at some point in the transfer of title during the chain of ownership. Title insurance is one of those things you will probably never need, but if you do, you will be very glad you have it!

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Santa Cruz Properties
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Sandy Mason - DRE #00761938
Sandy Kaplan - DRE #00921329

We (Sandy Kaplan and Sandy Mason) have been working as a team since 1992. One of us is a morning person, one a night person; between us, we keep your real estate goals on track. Our way of working is... "Tell us your goals, they're our goals too." We are dedicated to continuing education for ourselves and we enjoy educating you about the current real estate market, trends and the Santa Cruz Community. We have been selling real estate in Santa Cruz County for 25 and 30 years and love to use our experience to your benefit. Sandy Kaplan was president of the Santa Cruz Association of Realtors in 2005 and continues to stay involved in local, state and national real estate organizations. She is dedicated to serving our real estate industry. Sandy Mason is a naturalist and if you are looking for rural property, she loves to drive the winding mountains roads in her all wheel drive vehicle with you to find your dream hide-a-way.

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