• When we close, doors open!

    HOMETOWN TITLE of VOLUSIA

  • What We Do

    Providing comprehensive support from contract to closing.

    Title Services

    Real Estate Closings

    Hometown Title of Volusia is a full service title company that handles commercial, residential, mortgage loan closings, and issues title insurance. We will coordinate the closing with all of the involved parties including the realtors, lenders, buyers, sellers, surveyors, builders, inspectors, etc. We will prepare the documents required to complete the closing. We will also ensure that all appropriate documents are signed and notarized to effectuate a smooth closing. Hometown Title of Volusia maintains escrow accounts with an FDIC bank and we will facilitate collection and disbursement of funds.

    Mobile Closings

    Convenient Closings for Busy Agents

    Hometown Title of Volusia has opened doors to a more convenient closing offering mobile closing services, which means WE COME TO YOU. This is a huge convenience for busy agents. Save time and schedule your closings during your floor time at your office. Some of our sellers have retired to nursing homes or retirement facilities. We can make it easier on them and bring the documents to their new home to sign. Hometown Title of Volusia strives to save time for our busy realtors and make life easier on our buyers and sellers during an already stressful and confusing event.

    Contract Review

    Close with Confidence!

    With attorneys on staff at Hometown Title of Volusia, we offer the services of a traditional title company plus we open doors to affordable, hands-on legal services throughout the entire closing process, all at a cost to your clients that is no more than a traditional title agency. If you have any questions throughout the process about the contract, our attorneys can review and explain the contract to your buyers and sellers to ensure their interests are protected.

    Title Insurance

    Peace of Mind

    A 'title' is the evidence that a person has ownership and possession of land being transferred. Title insurance is a means of protecting yourself from financial loss in the event that problems develop regarding the rights to ownership of the property you are buying. There may be hidden title defects that even the most careful title search will not reveal. In addition to protection from financial loss, title insurance pays the cost of defending against any covered claim. You will pay a one-time premium that is directly related to the value of your new home. Typically, it is less expensive than your annual auto insurance. Even though it is a one-time only expense, it continues to provide complete coverage for as long as you or your heirs own the property.

  • Who We Are

    Closing on homes in our hometown.

    Brandy D. Rood, Esquire

    Closing Agent

    Brandy Rood attended UCF where she obtained her Bachelor of Science degree in Legal Studies with an Honors Certificate in Litigation Advocacy and a Minor in Business Administration. Brandy went on to law school and graduated cum laude from Barry University, Dwayne O. Andreas School of Law with an Honors Certificate in Trial Advocacy. Having an attorney on staff at Hometown Title of Volusia provides a great convenience to our buyers and sellers. Using our resources, we can identify, analyze, and cure any title issues.

    Karen Elliott

    Processor

    Karen was born and raised in North Carolina and attended North Carolina State University. Karen began working in the real estate field conducting title closings in 1993. Karen’s attention to detail, communication skills with all involved parties including realtors and lenders, and extensive investigation into the details of each closing enables our office to assist buyers and sellers to close with confidence.

    Ashlynn Pronovost

    Processor

    Ashlynn was born and raised in Macclenny, Florida. After high school, Ashlynn attended BYU-Idaho where she obtained a Bachelor of Science degree in Information Technology. Ashlynn used her technology skills working in Orlando for Disney World where she developed some of the rides we still enjoy today! Ashlynn moved to our hometown, DeLand, and began working for Wilkerson & Rood and Hometown Title ensuring that the offices are operating as smoothly and efficiently as possible.

  • Benefits of Having Attorneys on Staff

    Attorneys are uniquely qualified to better protect buyers and seller in real estate transactions. With attorneys on staff, we have quick and convenient resources to review and cure title issues.

    Mary Stuart-Day's Story

    Ms. Day's closing was in jeopardy. A real estate attorney was able to cure the title and get the transaction closed on time.

  • Buying a Home

    Welcome Home

    Steps to buying a home:

     

    Although every real estate transaction is different, there are several steps in the process that are similar in most residential real estate transactions:

     

    1. The buyer finds a house to buy.
    2. The buyer makes an offer to buy the house from the seller.
    3. The seller accepts the buyers offer by entering into a binding written contract.

    4. The buyer applies for a mortgage to buy the home.
    5. The buyer has the house inspected and a title search is ordered.

    6. The buyer examines the home inspection report and the title report, discusses with the seller who will pay for the need repairs, and decides whether or not to proceed with the transaction.

    7. A closing is held at which the buyer and the seller sign all of the closing documents, the buyer pays the seller for the house, and the seller delivers the deed to the buyer.

    8. After the closing, the buyer receives a copy of the recorded deed and a final title insurance policy.

  • Selling a Home

    On the Market

    Step to selling a home:

    Although every real estate transaction is different, there are several steps in the process that are similar in most residential real estate transactions:

     

    1. The seller puts the house on the market.
    2. The buyer visits the house and makes an offer to buy the house from the seller.

    3. The seller accepts the buyer’s offer by entering into a binding written contract.

    4. The buyer applies for a mortgage to buy the home.
    5. The buyer has the house inspected and a title search is ordered.

    6. The buyer examines the home inspection report and the title report, discusses with the seller who will pay for any needed repairs, and decides whether or not to proceed with the transaction.

  • Glossary of Real Estate Terms

    Closing- A closing is the final step in the real estate sales process. It is the meeting at which all of the money for the purchase is paid by the buyer and the mortgage lender and all of the documents to be recorded in the public records are executed. It is sometimes called “closing of escrow.”

     

    Closing Agent- The closing agent is the person or entity that conducts the closing. In Florida, the closing agent is usually an attorney or a title insurance agency.

     

    Closing Disclosure (“CD”)- The form promulgated by the Consumer Finance Protection Bureau (CFPB) to disclose closing costs in a real estate transaction to consumers. CFPB is a federal governmental agency and formulated the CD for use nationwide. Because of the desire of the CFPB for uniformity, the cost of title insurance is not accurately disclosed on the CD. Your closing agent will explain the discrepancies and may give you another form (DFS-H1-2146) that accurately discloses the cost of title insurance.

     

    Declaration of Covenants and Restrictions- Subdivision restrictions are contained in the declaration of covenants and restrictions for that subdivision that is recorded in the public records. This declaration contains restrictions on the way that property in the subdivision may be used. It also may set up a homeowners’ association and provide for assessments that every homeowner in the subdivision must pay.

     

    Deed- The deed is the legal instrument that transfers title to real estate from the buyer to the seller. Deeds are recorded in the public records of the county in which the real estate is located.

     

    Deposit- Customarily, a buyer will post a deposit, also called “earnest money,” with an “escrow agent” at the time the buyer makes an offer to buy a house. While there is no legal requirement that a buyer post a deposit for a contract to be valid, posting a deposit gives the seller an indication that the buyer is making a serious offer.

     

    Documentary Stamps- A tax that is due on certain documents, such as deeds and mortgages, that are executed in Florida. This tax is usually collected at a real estate closing, and the charge for it is one of the closing costs.

     

    Easement- An easement is a right to use a piece of property owned by someone else. For example, an easement may give the electric company the right to run power lines from the street to your house or give a neighbor the right to walk across your property to get to the beach. Easements on the property you are planning to buy may or may not interfere with the way in which you plan to use your property. Before buying,

    you should review any easements affecting your property to make sure that they are acceptable to you.

     

    Fee Simple- Fee simple is the most complete ownership of real estate possible. The owner of the fee simple has an unconditional right to dispose of or mortgage the property, and the property passes to the heirs of the fee simple owner on the death of the owner.

     

    Fixed Rate Mortgage- A fixed rate mortgage is one in which the rate of interest stays the same for the entire term of the mortgage.

     

    Homestead Exemption- Homeowners receive a tax exemption on real estate taxes on the house in which that they live. To qualify for the exemption, after you buy the house, you must be living in the house on January 1, and must make application for the exemption with the county tax collector by March. There is currently legislation pending before the Florida legislature to make changes to the homestead exemption. You can get details on the current state of the homestead tax exemption from your real estate agent or lawyer.

     

    Intangible Tax- Intangible tax is a Florida tax that is charged on mortgage notes, among other things. This tax is collected at real estate closings.

     

    Proration- A proration is a division of certain expenses (such as taxes or homeowners’ association dues) between the buyer and the seller based on the number of days that each owns the property.

     

    Quit Claim Deed- A quit claim deed is a deed which transfers all of the title that the grantor has in a piece of property but without any warranties. Quit claim deeds are frequently used to correct title problems.

     

    Recording Fees- A recording fee is a fee paid for recording a document in the public records. In Florida, the charge is determined by the number of pages recorded.

     

    Survey- A survey is a scale drawing of a piece of real estate. It will show the footprint of the house, driveways and sidewalks, easements, fences, encroachments, set-back distances, and other things. You should review the survey carefully before you close on your house to make sure that it does not reveal any problems.

     

    Three Day Rule- The CFPB now requires that mortgage lenders deliver a Closing Disclosure to borrowers at least three days prior to the closing.

     

    Warranty Deed- A warranty deed is a deed used to transfer property in which the grantor warrants, among other things, that the grantor owns the property, has the right to convey it, and will defend the buyer’s title against anyone who makes a claim against the property. A warranty deed is the type of deed used most often in real estate transactions in Florida. A form for a warranty deed has been adopted by the Florida legislature and is set out in the Florida Statutes (this form is called a “statutory warranty deed”).

  • Social Feed

    Check out our latest updates!

  • The Blog

    Up-To-Date Information on What's Happening in Your Hometown

  • Contact Us

    Contact us to schedule your closing

    All Posts
    ×