Sounds boring, doesn't it? Title insurance isn't the most exotic topic, but it's one of those things you just need. A home with a title issue could turn into a major headache and may have serious consequences.

So, What is Title Insurance?

Title insurance protects lenders and owners against title issues tied to your home. There are two types of title insurance - a Lender's Policy and an Owner's Policy. When obtaining a mortgage on a home, most lenders will require that a Lender's Policy be purchased. This type of coverage protects only the lender, not the borrower, on their investment. The Lender's Policy does not cover equity in the property and will not pay legal expenses if there is a problem. Only an Owner's Title Insurance Policy will protect the property owner from defects in title that could have a significant impact on the interest in the property.

If you are not financing the purchase of your home, an Owner's Policy becomes that much more valuable. Far less expensive than lawsuits and legal advice, the one time Owner's Title Insurance premium is simply the best protection for you and your heirs against the unforeseen.

Why Is Title Insurance So Important?

There are several hidden risks that make title insurance a necessity when purchasing a home. Our friends at Signature Escrow and Title Services identify the top hidden risks as:

• Undischarged Prior Mortgages
• Improperly Signed Documents
• Tax, Current Use, or Mechanics' Liens

These are the most common risks that may exist but they are certainly not the only ones. Clerical errors, fraud and missing heirs are among just a few of the other potential problems that could pop up. Taking care of these issues during or after the purchase of a home could be incredibly expensive and a huge headache. Not only could it affect your interest in the property (which is a big enough concern) but if you want to sell your home marketability could be at risk.

Click here for more information on Title Insurance

 

 

 

Exeter, New Hampshire is a charming town located in Rockingham County, just west of the Atlantic Ocean. With a thriving downtown and incredibly easy access to Route 101 and I-95 (two of the major commuter routes in New Hampshire), Exeter is a very popular destination for homebuyers.

Phillips Exeter Academy

Exeter is home to Phillips Exeter Academy, an internationally renouned university-prepatory school for boarding and day students. Founded in 1781, Phillips Exeter is known worldwide for its academic, athletic and cultural programs. Students from all over world attend PEA creating a very diverse culture that spills into the downtown area. Sitting at a coffee shop downtown on any given day you see students walking through town or holding study sessions at the table next to you. It's a very vibrant atmosphere that gives you that warm and fuzzy feeling!

 

 

Great Location on the Seacoast

Exeter is centrally located between some of the best parts of the New Hampshire Seacoast. It is just 10 miles to the Atlantic Ocean and 17 miles to downtown Portsmouth. Route 101 and I-95 are both just minutes from Exeter, making a commute into Boston, Manchester or Portland, Maine quite easy. Whether you want to work or play in New Hampshire, it's all easy to do from the beautiful town of Exeter!

 

Real Estate in Exeter NH
Since Exeter is one of the more popular towns in Rockingham County, real estate is always in high demand here! SAU 16 is a popular school system, which contributes to the higher amount of buyers in the town. There are several different types of homes available in Exeter: older, historic in-town homes within walking distance to downtown, newer (or new construction) homes on the outskirts of downtown in neighborhoods and a few condominium communities and manufactured home communities.

Number of Homes on the Market TODAY - 153

Median LIST Price in the Last 60 Days - $298,486

Median SOLD Price in the Last 60 Days - $293,276

Number of Homes Sold in the Last 60 Days - 64

Film lovers have something to look forward to this weekend when Telluride by the Sea Film Festival arrives in town! Now in its 16th year, The Music Hall's historic theatre at 28 Chestnut Street will host this year's event. Six films that have recently debuted at the Telluride Film Festival in Colorado will be shown over the course of three days.

Movies aren't the only events in Portsmouth this weekend in connection with Telluride by the Sea. The fabulous dining scene in Portsmouth plays a role (get it?!) as well with a Patron Passholder brunch Sunday afternoon at The District and a wrap party at the Portsmouth Brewery.

Here are the partculars!

Friday, September 19th - Sunday, September 21 (ALL DAY)

Tickets range from $15 (per movie) to $210 (Patron Passes)

More Information Including Films & Schedule

Directions to The Music Hall

Preparing your home for sale may seem like an overwhelming task, but there are a few quick, easy fixes you can tackle that will ensure your property shines in the best possible light!

• Declutter and Remove Personal Items
• Rearrange Furniture to Maximize the Space Your Have
• Straighten and Clean Out Closets
• Clean Baseboards
• Polish and Clean Cabinet Hardware
• Run Cut Lemons and Ice Through the Garbage Disposal
• Buy Mums or Other Fall Flowers for Outdoors
• Clean Out Gutters
• Get Heating Unit Serviced
• Test Smoke and Carbon Monoxide Detectors
• Clean and Store Patio Furniture and Drain Pool (if applicable)
• Check Caulking Around Windows and Doors
• Power Wash Exterior and Wash Window Exteriors

The Fall market for real estate in seacoast New Hampshire is starting to heat up! Take care of these few items and you'll be ready to make the move before you know it!

Ok, we know it's not quite Halloween yet, but how cool is this?

Every Saturday this summer, Fort Constitution and Portsmouth Harbour Lighthouse are host properties to a Haunted Lighthouse and Fort Tour. Ron Kolek, an author and radio personality and Jeremy D'Entremont, an author and lighthouse historian will guide you on a walking tour through these two sites. Ron will talk about different investigation methods while Jeremy disusses the history behind the hauntings.

Get your spook on this Saturday, September 6th! The tours are 90 minutes and held at 7:00, 8:45 and 10:30pm and are limited to 16 persons in the group. The cost is $20 per person. These tours will also be held every Friday night in October leading up to (but not including) Halloween!

Click here for more information