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"Now more than ever, savvy home buyers are turning to the web to better understand the process of buying, selling and refinancing real estate."

-Frank Dowd, Founder & Former President of ALT

Save Thousands of Dollars on Pennsylvania Real Estate Closing Costs with These 5 Tips

By Frank Dowd

Buying a home? Refinancing a mortgage? Save thousands of dollars on Pennsylvania real estate closing costs – in any market – with these 5 tips.

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Owner's Title Insurance

Is owner’s title insurance really optional?

By Frank Dowd

Owner’s title insurance is optional, there is no law that requires it. But when you understand the benefits, you’ll realize that peace of mind isn’t as expensive as you might think.

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What to Expect From Your Title Settlement Company? | ALT Title PA

What to Expect From a Full Service Settlement Company

By Frank Dowd

When you finally find the perfect home for you and your family and the seller accepts your offer, you’re not quite across the finish line. There is still plenty of work to be done. For most homebuyers, the next move is to enlist the help of a settlement company. Since buying a home isn’t something…

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Owner's Title Insurance PA

What is Owner’s Title Insurance? Do I Need It?

By Frank Dowd

Owner’s title insurance offers essential protection against the unknown. Legally, it is not required, but let the buyer beware…

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Fees When Buying a House

What Happens at Settlement?

By Frank Dowd

If you’re in the final stretch of buying a new house, it’s still not quite time to pat yourself on the back. You’ve made it this far and are inches away from owning your dream home. Now that you’ve jumped through all of the necessary hoops and obstacles, there’s one final, significant hoop you must…

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Calculating Title Insurance Costs

Avoid the end of the month for your next real estate closing

By Frank Dowd

Is it better to schedule your closing at the end of the month or the beginning? There’s no monetary advantage either way, but if you avoid the last few days of the month you’ll be much more likely to have a smooth closing.

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What is an Affiliated Business Arrangement (ABA) and are they even legal?

By Frank Dowd

An Affiliated Business Arrangement, a legal way to share profits in the real estate industry, limits consumer choice and drives up the cost of buying a house.

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Is Shopping for a Title Insurance and Settlement Service Company a Waste of Time?

By Frank Dowd

So, your realtor just referred you to a title insurance and settlement company. But that doesn’t mean that’s where you’ll get the best deal or the best service. “Homebuyers should shop around because the cost of the services, as well as the services themselves, will vary greatly from company to company,” said Frank Dowd, Licensed…

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Why choosing the right settlement company matters

By Frank Dowd

I received a call last week from a mortgage broker with a question about a possible title insurance claim. He was contacted by a client who has a friend that refinanced in 2006. At closing the homeowners paid off their existing mortgage, a municipal utility lien for $15,000 and received a small amount of cash…

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title company for buying new construction

Buying new construction? You’d better hire the right title company.

By Frank Dowd

I’ve always said that an educated home buyer should start the process by finding the title/settlement company they would like to use before they get emotionally involved in negotiating for the new house.  This is especially important when buying new construction.   When you deal with a builder, you’ll need a good title company to assist…

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ALT Title PA

Top 3 Reasons to Give Up Your Right to Choose

By Frank Dowd

We’ve designed our website www.ALTtitle.com to be a resource for anyone who’s considering buying or refinancing real estate. From the more than one thousand people who visit our site every month, we list the top three reasons that they’ve been given as to why they shouldn’t shop around for title insurance and related settlement services.…

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Why is my real estate agent so persistent about using her title company?

By Frank Dowd

I just had a first time home buyer ask me the following question: We would all like to assume that it’s because her title company delivers great service at a reasonable price, but unfortunately that is not the motivation in this particular situation. You see the real estate agent owns shares in the title company…

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