Elevated Title

03/05/2026

Making AI your assistant

In case you missed the 1st session… Here we go again. Please join me and my special guest as we get the tips/tricks to make AI our personal assistant! This is a Event that you do not want to miss. This is open to ALL REAL ESTATE PROFESSIONALS. Please RSVP via the link below

https://www.eventbrite.com/e/ai-102-basics-for-realtors-tickets-1983828348995?utm-campaign=social&utm-content=attendeeshare&utm-medium=discovery&utm-term=listing&utm-source=cp&aff=ebdsshcopyurl

01/21/2026

Please join us January 21 for this exciting event.

Registration link below

https://www.eventbrite.com/e/ai-basics-for-realtors-tickets-1980522641535?aff=oddtdtcreator

11/03/2025

With federal energy assistance on hold, OPC petitions regulators to temporarily block utility terminations for energy assistance customers.
Read OPC's press release: https://content.govdelivery.com/accounts/MDOPC/bulletins/3f90bd3

10/27/2025

PRAY FOR THE CARIBBEAN 🙏🏽
Jamaica, Haiti, Cuba, and the Dominican Republic are bracing for Hurricane Melissa, the strongest storm of the year.
Families are evacuating, homes are flooding, and entire coastlines are preparing for the unknown.

But they are not alone. The Bahamas, Cayman Islands, Turks and Caicos, Puerto Rico, the Virgin Islands, and parts of the Lesser Antilles are all feeling the storm’s impact as Melissa tears across the region.

From Kingston to Port-au-Prince, Havana to Santo Domingo, and beyond — may every island find strength in one another.

Pray for safety. Pray for recovery. Pray for everyone across the Caribbean to make it through this storm.

10/15/2025

What is a Front Foot Benefit Charge—and Why Disclosure Matters

A Front Foot Benefit Charge (FFBC) is a utility assessment fee placed on a property—usually by the county or a private utility company—to recover the cost of installing water, sewer, or other infrastructure lines that serve the property.

✅ It is typically billed annually for 20–40 years
✅ It stays with the property, not the owner
✅ It can add hundreds or even thousands to the yearly tax bill

🔍 Why Disclosure is Critical in Real Estate

1️⃣ Legal Requirement – In many Maryland jurisdictions, sellers are legally required to disclose any FFBC or deferred water/sewer charges.

2️⃣ Protects Buyers – Buyers need to know their true monthly housing cost. Surprise charges after closing = unhappy clients and possible disputes.

3️⃣ Protects Agents & Title Companies – Failure to disclose can lead to claims, contract cancellations, or even lawsuits. Clear disclosure builds trust and professionalism.

4️⃣ Affects Property Value & Negotiations – Knowing the balance or payoff amount helps buyers and sellers negotiate fairly at closing.

⸻

✅ Bottom Line:
A Front Foot Benefit Charge is not just “another line on the tax bill”—it’s a long-term financial obligation that MUST be disclosed to ensure transparency and protect everyone in the transaction.

10/07/2025

Interesting article…. Sad truths

From identity theft to AI-driven scams, fraud is evolving fast. IPX1031’s 2025 data study reveals how 1 in 3 Americans have lost money and which states report the highest scam rates.

10/02/2025

Just a little fun! Happy

09/29/2025

Partnership That Elevates Every Closing

At Elevated Title, we believe a smooth settlement isn’t just about documents and signatures—it’s about partnership.

When Realtors, lenders, and settlement agents work as one team, clients feel the difference. Communication flows, surprises disappear, and every closing becomes a celebration instead of a stress point.

Our Promise to Partners:
• Clear, proactive updates so no one is left guessing.
• Flexible scheduling to keep transactions on track.
• Expert guidance to protect every deal from start to finish.

Whether you’re a Realtor aiming for a flawless settlement or a lender seeking a trusted title ally, Elevated Title is here to make every transaction seamless.

Because when we work together, everyone’s success rises.

09/26/2025

🏡 FinCEN Alert for Maryland Realtors & Investors

The U.S. Financial Crimes Enforcement Network (FinCEN) requires extra reporting on certain all-cash residential purchases to fight money laundering.

✅ Where in MD?
Anne Arundel • Howard • Montgomery • Prince George’s • Baltimore City & County

✅ When?
• Buyer is an LLC, trust, or other entity
• No bank loan
• Price $300K+ (only $50K+ in Baltimore)
• Paid with cash, wire, check, or similar funds

If all apply, the title company must collect IDs of the beneficial owners and file a report within 30 days.

💡 Heads-up: A new nationwide rule starts Dec 1, 2025 that will expand these reporting requirements to most cash purchases by entities—no county or price limits.

👉 Action Step for Agents & Investors:
Ask about ownership structure early and have documentation ready so your closing isn’t delayed.

🔗 Learn more: FinCEN GTO details

09/25/2025

Who’s on the Deed? Understanding Tenancy Matters 🏡

When you buy property with someone else, the way you hold title—called tenancy—affects what happens if one owner passes away or wants to sell. A few common options:

🔑 Tenants in Common: Each owner can sell or leave their share to heirs.
👩‍❤️‍👨 Joint Tenants with Right of Survivorship: The surviving owner automatically inherits the other’s share.
💍 Tenancy by the Entirety (MD married couples): Provides extra protection from individual creditors and passes to the spouse automatically.

💡 Tip: The tenancy you choose impacts estate planning and future sales. Always review your deed and consult a title professional or attorney before making changes.



THIS IS NOT A LEGAL OPINION

09/17/2025

🏡💰 Maryland Homeowners – Don’t Miss Out!

Did you know you may qualify for property tax credits and discounts? Programs like:
✅ The Homestead Tax Credit (to cap yearly increases)
✅ The Homeowners’ Property Tax Credit (income-based savings)
✅ Senior, Disabled, and Veterans credits

👉 But here’s the catch: You must apply to receive them!

✨ A quick application could save you hundreds—sometimes thousands—on your property tax bill each year.

Check eligibility and apply through the Maryland State Department of Assessments & Taxation (SDAT). Don’t leave money on the table!