Top Housing Markets for First-Time Buyers
Realtor Mag | July 21, 2015
The number of first-time home buyers is on the rise, reaching a 32 percent share of existing-home sales in May — the highest since September 2012, according to the National Association of Realtors.

If you are buying, selling or refinancing real estate, you should be using Treasure Title, our staff have over 100 years of combined experience.  Call Kathy, Susan, Dena or JoAnne for help…..we will be there!

Look forward to hearing from you.  JoAnne

Is a change in the market coming?

Single-Family Building Permits Climb Higher in June; Starts & Completions Lower
The M Report | July 17, 2015
The U.S. Census Bureau and HUD jointly announced in a press release new residential construction data for June 2015, finding that single-family building permits rose slightly, while housing starts and housing completions both declined.

We are watching the market closing, expecting the interest rate to rise somewhere around September, October, 2015 and seeing that Construction is slowing, make us aware of the Change that is coming!

Hold on to your hats…….we will keep you posted.  Today real estate is great, so keep buying, selling and refinancing!  Ride the wave as I have told many of you.  We will be with you all the way…….

Give us a call at Treasure Title if we can help.  Look forward to seeing you soon.  JoAnne

Were you at BAH?

Last night we attended the West Orange Chamber Business After Hours at the Headquarter Honda in Clermont on Highway 50.  As an Ambassador for the Chamber, we honored Joseph McMullen as the May, 2015 CFO (Chief Facilitating Officer)  We enjoyed great food and drink, as Headquarter Honda was a very gracious host!~  Hope you were there, if not, you should have been.  Over 125 individuals for you to connect with attended.

We continue to see a hot real estate market, so when you are selling, buying or refinancing, be sure you are asking for Treasure Title to be your closing agent.

We are family owned and local business partners!  Call us and we will be sure to give you the service you deserve.

See you soon, JoAnne



Are you still underwater?

The Unfortunate Reality of the U.S. Housing Recovery
The Motley Fool | July 11, 2015
Underwater mortgages remain a huge problem for millions of Americans.

I recently observed this when I picked up the West Orange Times last week and saw the list of Foreclosures!  Oh my, we still have a lot of cleanup to do in the industry.  We are always ready for whatever the industry throws at us. We are hopeful our relationship with each of you will give you confidence in our company by continuing to allow us to handle your real estate closings.

TRID is coming, maybe later than sooner, but tomorrow we will have the chance to hear from our Underwriter, Fidelity National Title.  They will be addressing the new rule slated to become effective August 1, 2015 and how it will affect the Realtors.  If you did not sign up and wish to come, please give us a call and we may be able to squeeze in another seat for you!

Hope to hear from you soon.  JoAnne

Not 1 or 2 but 3 bits of …..

U.S. Mortgage Applications Rise in Latest Week
Reuters | July 8, 2015
The Mortgage Bankers Association said its seasonally adjusted index of mortgage application activity, which includes both refinancing and home purchase demand, rose 4.6 percent in the week ended July 3.
Federal Reserve Still Hesitant to Raise Rates
HousingWire | July 8, 2015
According to the latest round of Federal Open Market Committee minutes, despite signs of economic progress, only one of the 10 FOMC members was ready to increase the federal funds rate during the June meeting.
More Home Owners Warm Up to Idea of Selling
Realtor Mag | July 8, 2015
Home owners are becoming more upbeat about potentially selling their home, which should bode well for purchase activity this year, according to Fannie Mae’s June 2015 National Housing Survey, a survey of 1,000 Americans about their attitudes toward housing. Thanks to increased job and income growth, more consumers are viewing the current selling climate more optimistically, which could help reverse the low inventory.

We love hearing good news like this!  The positive swing forward is keeping us all busy and we are enjoying every minute of it.  Hopefully you are taking advantage of the opportunities that are available in this market.  Remember when you are buying, selling or refinancing select Treasure Title for your closing agent, we are here to help.

We look forward to hearing from you.  JoAnne

Buyers are back……..

NAR: ‘Buyers Are Coming Back In Force’
Realtor Mag | July 2, 2015
Home buyer demand is strong, recent sales reports have confirmed. Existing-home sales in May soared to the highest mark since 2009 as new-home sales climbed to a seven-year high. What’s more, the demand is likely to stay strong: Pending contracts to buy existing homes reached a nine-year high while housing permits — signs of future building — also surged to a nine-year high.

We are happy to hear  this from NAR and we are ready and able to handle your transactions!  Give Treasure Title a call, we would love the opportunity to serve you!

Look forward to hearing from you.  JoAnne


Happy 4th of July!!

Many thanks to all of our active military and our veterans who have served previously.  We know that this is a day that you have saved for all of us in the United States, as our day of Freedom!  Our hearts go out to all that have lost a loved one in the past that was serving our United States.

On this day, we honor you, the Military!  May you always be blessed as much as we are thankful for your service!

Have a happy and safe 4th of July.


Tough Closings happen…….

Sometimes closings are tougher than others, and we have no control of what occurs even at the last minute!  We were honored on Monday of this week to close on a very special church in New Port Richey, Eastlake Church of God in Christ, Inc.  and Spirit of Grace Lutheran Church, Inc.

It took a while, but we finished at 8PM on Monday night!  Congratulations to both!  I will post a photo.

And upon my return to the office on Tuesday, I was honored to handle a commercial closing for a long time client of Treasure Title who sold a piece of property on the east side of Orlando, a used car dealership!

Thank you all for the trust you have in Treasure Title and we look forward to serving you again……soon!

Make it a great day,    JoAnne

Do you think homeownership rate is falling?

Why the Homeownership Rate Will Keep Falling
The Washington Post | June 15, 2015
The homeownership rate in the U.S. has been tumbling since the height of the housing boom. Fewer and fewer of us own our homes — because foreclosures claimed them from us, or because the housing bust taught us to be wary, or because the economy ensured that families who might have bought in the past can’t afford a home today.

WOW!  I had no idea, did you?  Hopefully the new homebuyers are smarter than before the Great Recession, and they are not getting loans which will come back to bite them.  Regardless, Treasure Title is here to help you wade thru the waters of homeownership and closing.  If you need our help, call us at 407-654-8811 or e mail me at

Stay in touch and we would love to hear from you.  JoAnne

What is the Magna Carter?

Yesterday marks the 800th birthday of the Magna Carta. Meaning “The Great Charter,” it is the foundation of our Constitution and legal system. The Magna Carta is remembered for establishing the principle that everybody, including the king, was subject to the law.

One important detail left out of my daughter’s history lesson is that the majority of the grievances addressed in the Magna Carta were related to land titles. Many of the basic property rights that we take for granted today come from the Magna Carta. These include (1) the right to due process before foreclosure, (2) the rights of heirs to inherit land, and (3) dower and homestead rights for surviving spouses.

The Magna Carta’s importance can be seen throughout our nation’s history: from its wide circulation prior to the Declaration of Independence to its place as one of the eight bais-relief panels representing the evolution of justice in American law on the bronze doors to the Supreme Court.

I am thankful for the rights under the Magna Carter and know that Treasure Title has built it’s reputation on solid foundation of honesty, integrity and support of our community.

Next time you need a solid rock, call Treasure Title 407-654-8811 or send an e mail to me

We look forward to hearing from you.   JoAnne