Well, these days there are tons of homes that are worth far less than the mortgage owed on them. Take that into account when considering purchasing. Is that home or property worth what it owed or asked for, and long term, what will it be worth to you, or those after you if the plan is to sell it later before MAKING AN OFFER.
On every home that I have ever owned, the insurance company sent an agent out to take a look at the properties and photo them, particularly the buildings before writing a policy for me. I would imagine that information was filed with the policies for future reference.
Never had I heard of getting real estate attornies involved until my first purchase when I was in illinois. As a seller, perhaps. But as a buyer, the mortgage company told me that they wouldn't stop me from paying the typical fee at the time of about $350 if I wanted to, but in their opinion I would not need to, because if they couldn't get a clear shot at the title, doing their homework first to insure there were no leins, etc, then they would not even offer a mortgage, period. As a seller to protect myself, I have had an attorney. To purchase through a mortgage company, not yet.
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Today's Featured Article - A Brief History of Tractors in Australia - by Bob Kavanagh. After Captain Cook's exploration of the east coast in 1770 the British Government decided to establish a penal colony in Australia. The first fleet arrived in 1788 and consisted mainly of convicts who were poorly equipped and new little of farming techniques. The colony remained far from self-supporting and it was not until the early 1800's that things started to improve. Free settlers started to arrive, they followed the explorers across the mountains and where land was suitable set up farms. T
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