Rancho Palos Verdes, Redondo Beach, Torrance real estate and homes for sale in California, Hollywood Riviera and beach area - Jack McSweeney, REALTOR® Jack McSweeney REALTOR(r) for Rancho Palos Verdes, Redondo Beach, Torrance, California real estate, Hollywood Riviera and beach area - NUMBER1EXPERT™ Jack McSweeney NUMBER1EXPERT(tm) for Rancho Palos Verdes, Redondo Beach, Torrance, California real estate, Hollywood Riviera and beach area
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Real Estate Tips
First Time Buyers >Insuring Your Home

Many home buyers are concerned about whether they have an insurable interest in the property before the actual closing. The answer is an unqualified "yes". Although the buyer is not yet the recorded owner of the property, he or she has an insurable interest in the property as soon as the agreement of sale is executed by both the buyer and seller.

Should you get hazard insurance before the closing? It depends. Buyers do not usually insure a property until the title passes to them from the seller. However, it's wise to know what the agreement between you and the seller stipulates with regard to insurance.

Most agreements state that the property will be insured for a specific amount. This is very important to both parties. From the buyer's point of view, it is also critical that an adequate sum or full replacement value be stipulated. Watch out for agreements which read "as now insured". This is an all-too-common practice which usually indicates that the seller does not to want to increase inadequate insurance coverage.

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Q 
What mortgage transactions between borrowers and lending institutions operate in the private sector of the economy?

A 
Conventional mortgages are private sector transactions that are not insured or guaranteed by the government.
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Jack McSweeney, REALTORŪ, real estate agent and broker for Rancho Palos Verdes, Redondo Beach, Torrance California home listings, property and land for sale - NUMBER1EXPERT(tm)

Jack McSweeney, SRES, E-PRO, PVS
Re/Max Palos Verdes - EXECS
63 Malaga Cove Plaza
Palos Verdes Estates
California 90274
Office:: (310 ) 378-9494
Cell: (310) 346-0391
Hm: (310) 373-3374
Fax: (310) 861-5045
Email Me Direct:: jack@mcsweeney.com

I am full-time Realtor and Consultant. I have been licensed (#10272230) since 1988, specializing in Residential and Commercial real estate in the South Bay area of Los Angeles including Rancho Palos Verdes, San Pedro, Lomita, Redondo Beach, Hermosa Beach, Manhattan Beach, El Segundo and Torrance. I am a member of the Palos Verdes Association of Realtors, Board Certified Palos Verdes Specialist, California Association of Realtors, National Association of Realtors and the Palos Verdes Chamber of Commerce. I have an extensive financial and management background as a former Member and Specialist on the Pacific Stock Exchange. I am professional. I understand the South Bay real estate market and will confidently guide my clients to their real estate goals. Experience... It Works everytime!

eProMLSSRESEqual HousingREALTOR


Re/Max Palos Verdes real estate and homes for sale in Rancho Palos Verdes, Redondo Beach, Torrance California

SRES - Seniors Real Estate Specialist

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