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Investor Friendly Title companies and Investor Friendly Title attorneys handle closings.

Conveyance is by  deed. Mortgages are the customary security instruments.

Foreclosures are judicial and take about 3-9 months. They involve service by the sheriff, a judgment of foreclosure and sale, advertising, public sale, and finally issuance of a certificate of sale and certificate of title. ALTA policies are commonplace.

Buyers normal pay the escrow and closing costs, while county custom determines who pays for the title insurance. Sellers Normal pay the documentary tax, however investor deals closing costs are normally paid by the buying investor.

Property taxes are payable annually, but the due and delinquent dates are months apart, November 1st and April 1st. Under Florida law, a widow or widower has the right to live in their deceased spouse’s house for the remainder of his or her life, even if the home is willed to someone else.

A Homestead Exemption exists for an owner’s residence in Florida. Florida’s exemption is unique because it lacks any monetary cap on the homestead protection, while other states which offer a homestead exemption.

If someone in title dies the estate must be probated and transferred to the heirs at, or before settlement.

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