Eastern KY Title

Title Insurance Is a Service You Can Shop For in Eastern Kentucky

ekytitle_john — Wed, 18 Mar 2026 01:57:05 +0000

TL;DR: In most financed home purchases, federal law (RESPA Section 9) prohibits the seller from requiring you to use a particular title company as a condition of the sale. Nobody is required to tell you that. Here is what that right means, why it matters in Eastern Kentucky, and how to use it. The Phone […]

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What Is Owner’s Title Insurance and What Does It Cover?

ekytitle_john — Sun, 08 Mar 2026 04:48:35 +0000

TL;DR: Owner’s title insurance is a one-time purchase that protects your property rights for as long as you own your home. It covers hidden title defects, ownership disputes, and legal costs that could surface years after closing. In Eastern Kentucky, where coal rights severances, heir property situations, and courthouse record gaps are common, it’s not […]

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FinCEN’s New Real Estate Reporting Rule Starts Tomorrow. Here’s What Every Kentucky Buyer, Seller, and Agent Needs to Know.

Lindon Gullett — Sat, 28 Feb 2026 22:59:00 +0000

TL;DR: Starting March 1, 2026, the new FinCEN Residential Real Estate Rule requires title and settlement professionals to report certain all-cash transfers of residential property to LLCs, corporations, and trusts directly to the federal government. There is no minimum purchase price. The rule applies across all 50 states, including every county in Kentucky. At Eastern […]

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When the House Is Gone but the Title Mess Stays: Estate Planning & Property Transfer in Eastern Kentucky

ekytitle_john — Fri, 27 Feb 2026 02:54:31 +0000

TL;DR: Transferring property after a death in Eastern Kentucky is rarely as simple as signing a few papers. Between heir property disputes, severed mineral rights, and outdated deeds, families can spend months – sometimes years – untangling what should be a straightforward inheritance. This guide explains how estate planning and proper property transfer protects your […]

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The $971 Question: What Is a Multi-Policy Discount on Title Insurance?

Lindon Gullett — Fri, 20 Feb 2026 04:17:24 +0000

TL;DR: A multi-policy discount on title insurance means that when you buy an owner’s title policy AND a lender’s title policy together, the lender’s policy should be dramatically cheaper. At Eastern KY Title, that discount brings the lender’s policy down to around $200. We recently saw another title company skip this discount entirely and charge […]

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The Real Estate Closing Revolution: Why the Old Way is Broken (And How We Fixed It)

ekytitle_john — Sun, 01 Feb 2026 17:36:52 +0000

TL;DR: Traditional title closings force clients to rearrange their lives around corporate office hours and rigid locations. Eastern KY Title flipped the model with mobile closings anywhere in Eastern Kentucky, bringing professional service to your kitchen table, favorite coffee shop, or real estate office. Same Stewart Title backing, same legal standards, zero stress about driving […]

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