Point Title, LLC

🏡🔑 Congratulations on your new home! 🎉

Wishing this buyer lots of happiness, great memories, and exciting new beginnings in his new home! 🏠💙

A big THANK YOU to Barb Montoya with Keller Williams Stevens Point for helping make this a smooth and successful closing. We appreciate working with you! 😊

✍️🏡 TITLE TUESDAY: Why Does Your Name Matter on a Deed?

Robert, Bob, Rob same person, right?
In everyday life, probably! In the title world, though, consistency matters.

Your name on a deed helps establish how ownership of the property is documented, so even small differences can create extra questions during a real estate transaction.

Here are a few things we pay attention to:

🔹 Middle names & initials - John Smith, John A. Smith and John Andrew Smith may all be the same person, but we may need to confirm that.

🔹 Name changes - Got married, divorced or legally changed your name? Your current name may be different from the name shown on a previous deed and we will need to show it as "also known as" or "now known as".

🔹 Marital status - Whether you're married or unmarried can matter when preparing and reviewing real estate documents.

🔹 Trusts - If your property is owned by a trust, documents may need to reflect the trust and the appropriate trustee information.

🔹 Consistency is key! Keeping your name consistent across your deed and other legal documents can help prevent confusion now and potentially make things easier when you sell or refinance later.

💡 The takeaway: Your name might seem like one of the simplest parts of a real estate transaction, but in the title world, those little details matter!

✨ Women in Business + great company = an afternoon well spent! 💙

We sure enjoyed our time at the Portage County Business Council, Inc. Women in Business Luncheon yesterday at the Holiday Inn! It’s always fun getting out of the office, connecting with other amazing women in our community, and sharing plenty of laughs along the way. 😊

We especially loved chatting with the ladies from WoodTrust Bank and Victoria Schultz, Stevens Point Realty - thanks for making our table such a fun one! 💬✨

🏡 TITLE TUESDAY: Special Assessments & Open Permits 🔍

There’s more to preparing for a closing than just checking who owns the property and whether there are liens!

One of the behind-the-scenes steps is checking with the municipality for items that could affect the property or the closing.

📋 Special Assessments
These may include charges related to things like:
• Street or sidewalk improvements
• Sewer or water projects
• Other municipal improvements

We want to know if there are any outstanding or upcoming assessments that need to be addressed before closing.

🔨 Open Permits
We also check for open building permits when that information is available. An open permit could mean work was started but the permit was never properly closed out with the municipality.

Why does all of this matter? 🤔

Finding these items before closing gives everyone time to determine what needs to be handled, who is responsible, and whether anything needs to be completed or paid.

It’s another one of those little details happening behind the scenes to help make your closing go as smoothly as possible! 🏠🔑

✨ Another wonderful Tuesday evening spent connecting with our community!

We had such a great time at the Portage County Business Council, Inc. Business After Hours, hosted by the Stevens Point Elks Lodge #641! 🦌💙

Great conversations, great company, and always a fun night getting out and connecting with other local businesses and familiar faces. 😊

🏡 TITLE TUESDAY: What’s the “Gap” in Title Insurance? ⏳

🔎 WHAT IS THE GAP PERIOD?

The “gap” is the period of time between the effective date of the title search/commitment and when the new deed and/or mortgage is officially recorded with the Register of Deeds.

Even though it may be a short period of time, things can happen during that gap! For example, a new lien, judgment, mortgage, or other document affecting the property could potentially be recorded before your documents make it to record.

🛡️ SO, WHAT DOES A GAP ENDORSEMENT DO?

A GAP Endorsement provides additional title insurance coverage for certain matters that may arise or be recorded during that gap period, subject to the terms, conditions, and exclusions of the policy and endorsement.

Think of it as helping bridge the gap between the title search and the recording of your documents. 🌉

💡 WHY DOES IT MATTER?

A lot happens behind the scenes between signing your closing documents and getting everything officially recorded. Gap coverage is another way title insurance can help protect against certain unexpected title issues that could pop up during that window.

Our job doesn’t end when you sign on the dotted line. We’re working behind the scenes to help get your transaction across the finish line! 🏁🏠

🏡🔑 Congratulations to these happy new homeowners! 🎉

We loved getting to be part of their purchase and helping them make it to the closing table! ❤️

The best part? This isn’t goodbye just yet, we’ll see them again in a couple of weeks when they’re back to close on the sale of their current home! 😊

Thank you Amber Haeuser, CoAction Real Estate for all your hard work and helping make this closing a success!

Congratulations on your new home, and thank you for choosing Point Title to be part of BOTH sides of your journey! 🏠➡️🏡

🌳🏡 Congratulations to this buyer on his land purchase! 🎉

There’s something exciting about purchasing a piece of land and imagining all the possibilities ahead. We’re so happy we could be a part of this special closing! 💙

A big thank you to Bob Bushman from First Weber Real Estate for all of your help on both sides of the transaction and for helping everything come together smoothly! 🤝

Congratulations again, and cheers to this exciting new chapter! 🥂🌲

🎉 Congratulations to Ann Babl, KPR Brokers LLC and her sellers on a successful closing! 🏡🔑

Thank you for trusting Point Title, LLC to be part of the process. 💙

Congrats to my wonderful sellers on the successful closing of 1724 McCulloch Street in Stevens Point!

Thank you for trusting me to represent you through every step of the selling process. It was a pleasure helping you reach the finish line and begin your next chapter!

Thinking about selling your home? Let’s talk about what it could be worth in today’s market.

Ann Babl, REALTOR®
KPR Brokers, LLC
📞 715-572-1747