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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
Email
Monday-Friday: 9am – 5pm

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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
With mortgage rates trending up and home prices st With mortgage rates trending up and home prices still climbing, more borrowers are looking to adjustable-rate mortgages. Adjustable-rate mortgages, or ARMs, come with lower fixed interest rates for an initial period, after which the rate moves up or down at regular intervals for the remainder of the loan’s term. For example, a 5-1 ARM will have the same interest rate and principal and interest payments for the first five years. After that, the “1” comes into play: Every year, the interest rate will adjust up or down based on the current market. This type of loan obviously carries the risk of the unknown, but here are a few situations where an ARM may be right for you: 1.) You’re not buying your forever home. ARMs typically have fixed-rate introductory periods of three, five, seven or 10 years, so they can make sense for a borrower with plans for a shorter time frame in their new home of five to 10 years, where they would likely sell before their rate resets. 2.) You’re comfortable with the risk. If you’re set on buying a home now with a lower payment to start, you might simply be willing to accept the risk that your rate and payments could rise down the line, whether or not you plan to move. 3.) You’re able to make extra payments in the introductory period. If you have room in your budget to pay extra toward the loan principal during the initial rate period, a lower-rate ARM can help you maximize those interest savings. Here when you need us. (410)544-5441 #unitedtitlemd #mortgagerates #themoreyouknow #marylandtitlecompany
When we take out a loan to purchase a home, the bu When we take out a loan to purchase a home, the buyer is required to purchase a lender's title insurance policy in the amount equal to the mortgage loan. A lender’s policy only protects the financial institution in the event that a valid title claim arises. In a worst-case scenario, a buyer could make mortgage payments for 20 years when an unknown title defect comes to light, creating a valid claim that causes the buyer to lose the title. The lender would be covered, to the extent of the outstanding mortgage, and the owner could lose the property and all equity acquired over the 20 years that he “owned” the property. There is an option available to the buyer to avoid the scenario outlined above – the purchase of an owner’s title insurance policy to protect your interest in the real property. While owner's title insurance isn't mandatory, purchasing a home without it could be disastrous. United Title will walk you through the process and ensure the worst-case scenario doesn't happen to you. (410)544-5441 #titleinsurance #lenderspolicy #buyerspolicy #unitedtitle #mdrealestate
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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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