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Testimonials
Oviedo Lender and Owner Title Insurance Testimonials
See what others have to say about how our Oviedo closing agents handle lender and owner title insurance.
I have had the pleasure of using Onie for title services for several years. Onie has the best work ethic and far exceeds all others in this field. In the past 16 years of selling residential real estate here in the Orlando area I have found none that surpass her. I very highly recommend Onie and her team to anyone looking for excellent service. For those who don’t know, title work and closing procedures can be very stressful and detail oriented. Onie handles the process of the most difficult closings smoothly and she handles the multitude of details with the greatest of ease. I am, by nature, a highly critical person and only recommend the absolute best, If you’re a demanding sort like me you’ll be glad you called her. –Scott Taylor | Realtor | www.myorlandoagent.com
Onie Kane of Cobblestone Title has performed several real estate closings for me and my clients over the years. Her knowledge and experience of the business, along with her attention to the wants and needs of the buyers/sellers/agents involved, have been proven by the ease of the closings administered. –Joe Monaco, Jr., PA | REALTOR, GRI | Re/Max Town & Country Realty | www.joemonaco.com
Onie Kane has always done a tremendous job assisting my customers over the past 14 years. I consistently recommend her and her company, Cobblestone Title Services, every time the opportunity arises, as her professionalism and knowledge in the industry is unequaled. –Stephen Thaggard | Sr. Loan Officer | Embrace Home Loans | www.embracehomeloans.com
I have worked with Onie Kane about 10 years now! Over the 10 years she has never ceased to amaze me with her efficiency and attention to detail. The best part about Onie is that she actually cares about her clients! When you walk into her office you feel like you’re at home! She is professional but personal at the same time which is gift in itself. I am proud to say that I am a friend and client of Onie Kane’s! –Faith L. Warren, P.A. | Charles Rutenberg Realty | www.faithwarren.net
I have known Onie Kane with Cobblestone Title for over 20 years and would never use another Title company. She is very competent, communicative and goes above and beyond what most Title Companies do to make sure your deals close. I have been doing a lot of short sales lately and if it had not been for Onie and her persistence I would not have closed on most of them. If you want the best service and commitment, and more deals closed, then you need to use Onie at Cobblestone Title. –Paula Bean REALTOR® since 1979 | ACRE® Accredited Consultant in Real Estate | e-PRO® certified real estate technology expert
Cobblestone Title is our title company of choice. We have been using Onie for our numerous closings over the past three years and for good reason. She brings a wealth of experience and a work ethic that is unsurpassed. What puts Onie over the top though, is her ability to communicate. She’s always available for you or your clients and her emphasis on following up keeps all parties on the same page.
Also, Onie’s flexibility help make our closings go as smoothly as possible. Whether it’s closing during off-hours or thinking outside the box to solve an issue, she is always open to doing whatever it takes. In a time when many variables can keep a property from closing, Onie provides the much-needed glue that holds everything together.
Our success has been directly related to having Cobblestone Title as part of our team. Thanks, Onie! –Tom Vuong | Investor | www.franklinrun.com
We have worked with Kathy Ortiz for over 6 years and have found her to be a valuable resource for our business. She not only expertly facilitates our closings, but she provides a level of service that goes beyond what is expected. Kathy is knowledgeable in all facets of short sales and foreign investors in addition to routine closings. She makes a point to educate herself and provide answers as the laws and circumstances change in this difficult market. She is prompt, courteous and always makes time for her customers. –Barbara & Jeffrey Friedman | Realtors with Fannie Hillman + Assoc.
Kathy is wonderful to work with. She is very professional and responsible. It doesn’t matter how hard the deal is, we can always count that she will do her very best to help us take it to closing. We use her for as many closings as possible. I definitely recommend her to any of the real estate professionals that are looking for a title closer that is on top of things and gets things done quickly. –Keith Pavlick | Real Estate Agent | AMB Realty
I have know Onie and her staff for many years and they have always been very professional and efficient in handling our closings on a timely basis. It is always a pleasure to work with them. –Frank Grasso | Prudential Florida Realty
You’ve done it again! You certainly justify your name and our referrals by the way you make things happen. We all pretty much gave up on this last deal and somehow you made it work. Our buyers are ecstatic, the sellers have the opportunity to make the changes they’ve been wanting to make, and all the long hours working on the file have finally paid of for us and for you. We will gladly always share your name and company with any clients and realtors who can use your services. Job well done. As always, thank you again for your fine usual effort and cooperation. –Bobby Hunn and Larry Williams | Licensed Real Estate Professional | WEICHERT, REALTORS-Hallmark Properties
I really cannot put into words how great you have been to work with. There is not another person I trust more to partner with in this industry. I hope you build your business to the fullest and remain so committed and courteous as you are now! –Ryan M. Wagner | Realtor | Open Home Realty, LLC
In today’s economy I find many professionals have found ways to short cut the process and deliver less than acceptable service. Fortunately, I have found Cobblestone Title Company and it’s owner, Onie Kane, to always be dependable, honest and give stellar service in any and all of my closings whether high dollar or low end. –Carrie | Compass Realty | www.compassrealtygp.com
We have dealt with a few title companies in Florida over the last year, but none of them have been as easy to deal with as Cobblestone title. We found Cobblestone Title to be efficient and thorough and very responsive to answer all my questions and concerns along the way. We have started requesting them in our contracts as part of the offer letter. –Rigger Contracting, LLC
I am beyond delighted with Onie’s service – accessible, timely, responsive, proactive & professional. She doesn’t just close my deal; she cares about my deal as much as I do. –Candace Velasquez | Broker-Owner | Blue Gemini Realty
I have known Onie Kane personally and professionally for over 12 years. Onie is the Title/Closer you want in your corner to get the closing done. Onie is organized and knows her business. She will not stop until the closing is done and then sometimes works after the closing is completed. That is going above and beyond for her clients.
With her new office in Oviedo and her increased staff she has taken her personal service to a new level. Onie is a dedicated professional that will not be happy until all parties to a transaction are happy.
I would recommend her services and Cobblestone Title to any Customer, Realtor or Mortgage Professional looking for Closing/Title services in a Real Estate Transaction. You will not be disappointed, I promise! –Gay Middleton | Realtor | Century 21 Real Estate Professionals
Onie Kane is a true professional in every sense of the word. Every detail is handled accurately and on time. My closings always go smoothly and my clients feel comfortable knowing that all the details are correct. Onie takes the time to explain things and is a joy to work with. I highly recommend her to anyone seeking to simplify the process. –John Mayer | Pytha Realty Corp. | Merritt Island, FL
Every closing with Kathy Ortiz is seamless and professional. Having a title agent who answers the phone at night and performs tasks immediately has had a huge impact on my business and ability to help my customers. Kathy creates a partnership with all of her clients and does whatever necessary to facilitate a transaction! —-Ryan M. Wagner | Realtor | Open Home Realty, LLC
Onie Kane of Cobblestone Title is an absolute professional. Her years of experience in the title business shows in every closing she does. She is courteous to our clients and always there when we need her. I know that any closing she does for us will be smooth and close on time. I would recommend her services to anybody, and often do. –Craig Kesler | The Kesler Team
Cobblestone title has exceeded my expectations in more ways than one. From their pricing to their customer service to the flexibility of closing times and location. Thanks for all of your help. –Lazaro O. Rodriguez | President/CEO | SPC Homes, Inc.
Onie, In your profession of work, you are priceless. You are a square in a field of too many “round!” –Betty Pratt | For Sale by Owner Client
I have had several dealings with Onie in closing home sales over the years. Onie gives the clients the assurance and confidence that they need when closing on the most important purchase of their lives. She delivers in a professional manner and I highly recommend using her Title services for your home or business services. I am proud to say that Onie Kane has also become my friend. –Jacqueline Young | Ample Realty
I have worked with Kathy Ortiz for many years. She works beyond my expectations and makes my closings go smoothly. She is experienced, patient and hard working. The difference between her and other title agents is that she works around the clock to get things done even after the closing. She helped me to handle the short sale and saved my client from foreclosure. Her “NEVER GIVE UP” attitude inspires me a lot. I can truly depend on her services and would definitely recommend her service to anyone. Kathy, thank you for all your help!. –Sidney Tse | Licensed Real Estate Professional | Cathay Realty, Inc.
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Short Sale vs. Forclosure
- A short sale will negatively affect your credit score, but foreclosure not only will lower your credit score by more points but will stay on your record for 10 years.
- While there is not a specific credit reporting item for short sale, your credit history will typically report the short sale as paid, settled in full or paid as negotiated. A foreclosure will stay on your record for 10 years and is a permanent record in the county public records.
- A short sale will probably not affect your employment, but employers have the right to check your credit and sometimes a foreclosure can be grounds for dismissal, especially if you're in a sensitive job position. As for future employment, a foreclosure is one of the most negative items on credit reports and can most assuredly affect future employment.
- For future mortgage applications, you do not have to disclose a short sale and you may be eligible for a Fannie Mae loan after 2 years. On the standard loan application you will be required to disclose whether you have a bankruptcy or given a deed in lieu of foreclosure in the past 7 years. A 'yes' answer determines your interest rate, which will be considerably higher and you may be declined. It will take a minimum of 5 years before you can be considered for a Fannie Mae loan.
- In most states a deficiency is typically forgiven in short sale situations. However, with a bankruptcy the bank has the right to pursue the deficiency if allowed by state law.
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