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Kathy Clifton - REALTOR®
Bald Head Realty
33 Pine Lane
Franklin, NC 28734
Direct: (828) 226-1074
or (828) 369-0000
fax (828) 369-0009
Free Otto and Franklin NC Search

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Testimonials

Kathy Clifton did an outstanding job marketing our home in Watauga Vista.  She was professional and very knowledgeable about what we needed to do to sell it.  We followed her directions and the results turned out perfectly.  
 
Without a doubt, we would certainly give her any property we have to sell.  I encourage anyone who may be ready to sell to contact Kathy.  You will be very pleased, I promise you that.
 
 
 
Van and Patsy Capps
When we decided it was time to sell our Franklin, NC, vacation home, we contacted Kathy Clifton because of the recommendation of good friends who had used her as their realtor. We were very pleased!  Kathy was friendly, knowledgeable, helpful and always willing to answer questions. She worked diligently to get us a good offer (3, in fact) and was tireless in her efforts to get ‘the deal’ to close quickly. (The listing, sale, and closing all took place within a month’s time!). We gladly recommend Kathy Clifton to anyone searching for a dedicated realtor.
 
Ann and Jim Smith
Wow, our property was on the market for two days, we had five offers, and it was sold the second day. Kathy and her team made this happen. Everyone was very professional, friendly, and knowledgeable throughout the listing selling, and closing process. If we had more property to sell, we would want Kathy as our realtor again.  We had a wonderful experience.  Tim and Lydia
Just recently Kathy sold our property on Frazier Road.  We were very pleased with her honesty and hard work  in selling this property. We  will have Kathy sell our home as soon as we are ready. She is very trustful and we realize how hard she worked for us.
 
 
Ken and Kay Danzig
Kathy impressed us from the very start of our journey to sell our house. Having done her homework on our place, she showed up on day one with a definite plan for the marketing and sale of our home. She listened to our goals and concerns, gave her professional opinion, and together we moved forward. She was accessible to us at all times, and gave ready feedback to questions. She got us a great price and enabled us to move forward to the next phase of our lives. Thanks, Kathy! Rixey Wilcher
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Kathy Clifton is your local Real Estate Expert in Otto, Franklin, and Macon County North Carolina. Put my knowledge and years of experience to work for you – all my Real Estate Consultations are Free, and come with No Obligation. (828) 226-1074

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Statements of Information

What’s in a name?

When a title company seeks to uncover matters affecting title to real property, the answer is, “Quite a bit.”

Statements of Information provide title companies with the information they need to distinguish the buyers and sellers of real property from others with similar names. After identifying the true buyers and sellers, title companies may disregard the judgments, liens or other matters on the public records under similar names.

To help you better understand this sensitive subject, the Land Title Association has answered some of the questions most commonly asked about Statements of Information.

What is a Statement of Information?

A Statement of Information is a form routinely requested from the buyer, seller and borrower in a transaction where title insurance is sought. The completed form provides the title company with information needed to adequately examine documents so as to disregard matters which do not affect the property to be insured, matters which actually apply to some other person.

What does a Statement of Information do?

Every day documents affecting real property--liens, court decrees, bankruptcies--are recorded.

Whenever a title company uncovers a recorded document in which the name is the same or similar to that of the buyer, seller or borrower in a title transaction, the title company must ask, “Does this document affect the parties we are insuring?” Because, if it does, it affects title to the property and would, therefore, be listed as an exception from coverage under the title policy.

A properly completed Statement of Information will allow the title company to differentiate between parties with the same or similar names when searching documents recorded by name. This protects all parties involved and allows the title company to competently carry out its duties without unnecessary delay.

What types of information are requested in a Statement of Information?

The information requested is personal in nature, but not unnecessarily so. The information requested is essential to avoid delays in closing the transaction.

You, and your spouse if you are married, will be asked to provide full name, social security number, year of birth, birthplace, and information or citizenship. If you are married, you will be asked the date and place of your marriage or registered domestic partnership.

Residence and employment information will be requested, as will information regarding previous marriages or registered domestic partnerships.

Will the information I supply be kept confidential?

The information you supply is completely confidential and only for title company use in completing the search of records necessary before a policy of title insurance can be issued.

What happens if a buyer, seller or borrower fails to provide the requested Statement of Information?

At best, failure to provide the requested Statement of Information will hinder the search and examination capabilities of the title company, causing delay in the production of your title policy.

At worst, failure to provide the information requested could prohibit the close of your escrow. Without a Statement of Information, it would be necessary for the title company to list as exceptions from coverage judgments, liens or other matters which may affect the property to be insured. Such exceptions would be unacceptable to most lenders, whose interest must also be insured.

Conclusion

Title companies make every attempt in issuing a policy of title insurance to identify known risks affecting your property and to efficiently and correctly transfer title so as to protect your interests as a homebuyer.

By properly completing a Statement of Information, you allow the title company to provide the service you need with the assurance of confidentiality.

Article by CLTA

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