Buying or selling a home is already a complex process, but one hidden issue can bring everything to a screeching halt: an open permit. Many homeowners don’t even realize they have one until it’s too late, leading to costly delays, extra paperwork, and even canceled deals.

If you're in real estate—whether as a buyer, seller, or agent—understanding how open permits work and how to resolve them is key to ensuring a smooth closing.
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What Is an Open Permit?
An open permit means that a renovation, repair, or construction project was started but never officially closed with the city or local building department. This could happen for several reasons:
   ✅ The contractor never scheduled a final inspection
   ✅ The city has backlogs or processing delays
When a permit remains open, it signals that the work may not be up to code or unfinished, making it a risk for lenders and buyers.
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Why an Open Permit Can Delay Your Closing
If a title search reveals an open permit, the closing process may be put on hold until the issue is resolved. Here’s why:
   🚧 Lenders Won’t Approve the Mortgage – Banks don’t want to finance a home with unresolved work that could pose safety risks or lead to legal problems.
    🚧  Buyers May Walk Away – Buyers don’t want to inherit someone else’s unfinished project or be responsible for unexpected repairs.
   🚧Closing Costs Could Increase – The longer closing takes, the more expensive it becomes, especially if contract extensions or re-negotiations are needed.

As the vibrant hues of autumn begin to paint the landscape, there's nothing quite like experiencing the mystery of the beach during the fall season.  Fewer crowds mean more space to soak in nature's beauty, but the forecast might have us making other plans! As the flavors change from popsicles to pumpkins, ensure your piece of the pie is protected, and don't fall for these common misconceptions about title insurance.​

Clarifying Common Misconceptions About Title Insurance
​There are several misconceptions about title insurance that can create confusion among homebuyers. Let’s clear up some of these misunderstandings. 

Read Myth #1: Title Insurance is Unnecessary for New Homes

MYTH #2: TITLE INSURANCE IS TOO EXPENSIVE
One common misconception about title insurance is that it’s prohibitively expensive, leading some homebuyers to consider skipping it. However, this perspective overlooks the long-term value, protection, and comprehensive coverage title insurance offers.

Here’s why the cost of title insurance is a worthwhile investment:

​Understanding the Cost: Title insurance is an upfront expense, but it is a one-time fee paid at closing. Unlike other types of insurance that require monthly or annual premiums, title insurance provides lifelong coverage without recurring payments.