Karen Charbonneau
Karen Charbonneau & Karen Totino
Saratoga Springs, NY
REALTOR®
(518) 290-1009
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Blog: Title and Escrow

Why Do You Need Title Insurance?

Title Insurance. It’s a term we hear and see frequently - we see reference to it in the Sunday real estate section, in advertisements and in conversations with real estate brokers. If you’ve purchased a home before, you’re probably fami... Read more

Understanding Title Insurance

What is title insurance? Newspapers refer to it in the weekly real estate sections and you hear about it in conversations with real estate brokers. If you’ve purchased a home you may be familiar with the benefits of title insurance. However, if this... Read more

Understanding Preliminary Reports

After months of searching, you’ve finally found it -- your perfect dream home. But is it perfect? Will you be purchasing more than just a beautiful home? Will you also be acquiring liens placed on the property by prior owners? Have documents been r... Read more

The Functions of an Escrow

Buying or selling a home (or other piece of real property) usually involves the transfer of large sums of money. It is imperative that the transfer of these funds and related documents from one party to another be handled in a neutral, secure and knowledg... Read more

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 ... Read more

Required Reporting to the I.R.S.

Sellers of real property will have certain information regarding the sale reported to the Internal Revenue Service. This required reporting is a consequence of the Tax Reform Act of 1986; it is intended to encourage taxpayer compliance and aid in audit a... Read more

Creative Financing

Creative financing: You’ve heard of it, and, as a seller, the idea sounds pretty attractive. But, do you know everything you need to know about carrying back a second; essentially, about becoming a lender? You better know the same things that financ... Read more


Karen Charbonneau
     & Karen Totino

340 Broadway
Saratoga Springs, NY 12866
Karen Charbonneau (518) 290-1009  
Karen Totino (518) 573-6846
Email: Karen@SaratogaHomeTeam.com

Testimonials

"To all my current and past clients, thank-you so much for choosing me as your real estate agent. I value your opinion about what it was like to work with me and I think other prospective buyers and sellers will appreciate knowing what level of service they can expect from me." - Karen Charbonneau
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