As the calendar winds down, refi activity heats up across the Sunshine State - and for good reason. From lower fall rates to post–hurricane season stability, locking in before December can mean bigger tax breaks, smoother closings, and serious savings. Discover why this season is the sweet spot for Florida refinances before the year (and the best opportunities) slip away.

Buying or selling a mobile home in Florida? Understanding how mobile home titles work is key to a smooth closing. Learn why mobile homes can have either a vehicle title or real property title, how title agents verify ownership and liens, and why missing details can delay your sale. Discover how an experienced Florida title company like Title Giant, Inc. ensures every mobile home transaction is handled accurately from start to finish.

Sometimes the best careers find you. What started as a seasonal job surrounded by manatees turned into an unexpected calling in the world of real estate closings. One leap of faith led me to discover my true passion: helping people through one of life’s biggest milestones, homeownership.

Now, years later, I can’t imagine doing anything else. Every closing tells its own story, and I get to help make each one a happy ending.

Every year, Florida property owners get a notice in the mail that looks an awful lot like a tax bill. But don't be fooled! That's a TRIM notice, and it's your first glimpse into your upcoming property taxes—not a bill you need to pay. Understanding what’s inside this document can save you from a major surprise come November 1st, when the real tax bill arrives.

Escrow accounts remove the stress of having to save thousands of dollars each year for large, unexpected bills. They also ensure that your taxes and insurance never lapse, protecting your investment and keeping you in good standing with your lender.

Get all the details on how the Hometown Heroes program can assist qualified applicants with financing for first-time buyers, making homeownership a reality.

Summertime often equates to vacation time for many real estate professionals, but we’re busier than ever this summer! With mortgage rates dropping little by little, people are jumping back into buying and selling property and we’re here to help in every transaction!

Behind every real estate transaction, we implement extensive, often unseen, security measures—like encrypted communications and verbal verifications for funds—to protect your private information and money. While these steps may seem like "hoops," they are crucial safeguards against sophisticated cyber threats, ensuring your security is our top priority.

Dreaming of that newly constructed home in sunny Florida? It's an exciting prospect! However, there's a crucial financial aspect that can sometimes catch new construction buyers off guard: property taxes. Unlike purchasing an existing home with an established tax history, buying new construction in Florida can sometimes lead to what's known as "tax shock."

It’s important to know your options on the multitude of ways to take title. Equipping yourself with the right knowledge and good legal counsel in advising you helps protect you and your property in the long run.

Refinancing? Don’t forget title insurance. When you refinance, your lender will likely require a new lender’s title insurance policy to protect their new investment. But good news—your original owner’s policy still protects you!

In Florida, title insurance costs are regulated by the state, meaning the rates are fairly standard across all companies - around $5.75 per $1,000 for the first $100K, then $5.00 per $1,000 after that. The cost is based on the purchase price of the home (for owner’s policies) or the loan amount (for lender’s policies).

One-time cost, lifetime protection. Title insurance protects your home from hidden liens, fraud, or past ownership issues—especially important in Florida’s fast-moving real estate market. You won’t want to close without it.

Title insurance is designed to protect you from a wide range of issues that can crop up with regard to your property. Learn more about some of the most common title issues and why Florida experiences these issues more frequently than other states.

Florida’s large population of retirees, vacation homeowners, and out-of-state investors creates opportunities for fraudsters to target absentee owners or exploit unfamiliar buyers. Additionally, Florida's public records laws make property information easily accessible, which scammers can use to forge documents or impersonate rightful owners. All of this, combined with the high value of real estate and rapid market movement, makes Florida a hotspot for real estate-related scams. Title insurance can help protect your investment.

In Florida, a title commitment is a document issued by a title insurance company that outlines the terms and conditions under which it will issue a title insurance policy. It’s essentially a promise to insure the title once certain requirements are met, such as resolving liens, paying off mortgages, or clearing up ownership issues. It's a crucial step in the closing process, giving buyers, sellers, and lenders a clear picture of the property's title status before finalizing the deal.