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572 Ritchie Highway, Suite E, Severna Park, MD 21146 | Visit Our Severna Park Office

United Title & Escrow
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(410) 544-5441

United Title

572 Ritchie Highway, Suite E
Severna Park, MD 21146

Phone: (410) 544-5441

Maps & Directions

If you are looking for a title company to handle your next settlement with dependable service, courteous staff and timely closings, then look no further than your local title company. United Title has been providing reliable settlement services since 1983.

  • Home
  • About Us
  • Our Team
  • Services
  • Legal Resources
  • Testimonials
  • Blog
  • Careers
  • Contact Us

Locations

United Title
572 Ritchie Highway, Suite E
Severna Park, MD 21146
Maps & Directions

Evans Law
113 Cathedral Street
Annapolis, MD 21401
Maps & Directions
msevanslaw.com

Contact Us

Phone: (410) 544-5441 | Fax: (410) 544-2782
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Monday-Friday: 9am – 5pm

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To secure the best possible rate, follow these tip To secure the best possible rate, follow these tips: Improve your credit score: The best mortgage rates go to borrowers with the highest credit scores, usually 740 or above. In general, the more confident the lender is in your ability to repay on time, the lower the interest rate they’ll offer. Build a record of employment: You’re more attractive to lenders if you can show at least two years of steady employment and earnings, especially from the same employer. Be prepared to show pay stubs from at least the 30-day period prior to when you apply for your mortgage and W-2s from the past two years. Save up for a down payment: Putting more money down can help you obtain a lower mortgage rate, particularly if you have enough liquid cash to fund a 20 percent down payment (and avoid paying for Personal Mortgage Insurance). Understand Your Debt-to-income Ratio: Your debt-to-income (DTI) ratio compares your debt to how much money you make. In general, the lower your DTI ratio, the more appealing you are to lenders. A popular rule of thumb for lenders is to avoid mortgages that will require a payment of more than 28 percent of your gross monthly income. Your overall DTI should remain below 36 percent. Go for a 15-year fixed-rate mortgage: While 30-year fixed mortgages are common, if you think you’ve found your long-term home and have good cash flow, consider a 15-year fixed-rate mortgage to pay off your home sooner. Comparison-shop among multiple lenders: Look beyond your bank or credit union, talk to multiple lenders and explore options online. Lock in your rate: Sometimes the closing process takes several weeks, a period in which rates can fluctuate. After you sign the home purchase agreement and have secured your loan, ask your lender to lock in your rate. #unitedtitlemd #mortgagetips #mortgagerate #tips #themoreyouknow #homebuying (410)544-5441
We're here when you need us to walk you through th We're here when you need us to walk you through the homebuying or refinancing process. (410)544-5441 #unitedtitlemd #titleinsurancetips #titleinsurance #refinancinghome
In the competitive housing market we are in, think In the competitive housing market we are in, thinking outside the box and understanding what is important to the other party, aside from price, can give you an edge when it comes down to who gets the house. Get creative and be flexible! (410)544-5441 #themoreyouknow #homebuyingtips #unitedtitlemd
In a perfect world, buyers would always go do the In a perfect world, buyers would always go do the final walkthrough to find the home in great condition, with the seller having repaired everything they said they would. And while it’s often the case that the final walkthrough goes smoothly, it’s possible that buyers will find problems. There are a few different options available to you if you find problems, and which you choose is likely to depend on the severity of the issues. Here are some of them: * For a minor issue, ask the seller to fix it before the closing. * Delay the closing so the seller has time to fix the problem. * Withhold money from the seller’s proceeds in an escrow account to pay for the repairs after the closing. * In extreme circumstances where there’s major damage to the home or an expensive fix that the seller refused to repair, you may have to either walk away from the sale or take legal action. When you're so close to the finish line...don't skimp on the final walk through assuming everything is in order! (410)544-5441 #unitedtitlemd #bettersafethansorry #finalwalkthrough #titlecompany #settlement #closing #themoreyouknow
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The information provided in these pages is not legal advice, and should not be relied on as such. The content on these pages is for informational purposes only, and is meant as a starting point on your search for answers to your legal questions.

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