TeamDoyla

11/17/2025

Team Doyla has moved
3660 Stoneridge Rd Suite B-102 Austin,Tx 78746

10/31/2025

We were nominated again this year for Best Title Company of North Hays County. If you feel we deserve the honor please vote for us. Services, Title Company Ceshker Group

Check it out now!

08/06/2025

Closing Fees: What You Need to Know

Closing on a home? It’s more than just signing papers. Let’s break down the key fees you’ll see so you walk into closing informed and ready.

Closing Fee Checklist:
Loan Origination Fee – For processing your mortgage
Appraisal Fee – Confirms your home’s market value
Credit Report Fee – Covers your credit check
Title Search Fee – Ensures the title is legally clean

Other Possible Costs:
Home Inspection – Identifies any hidden issues
Escrow Deposit – For future taxes & insurance
Attorney Fees – Legal guidance during closing
Recording Fees – Documents your ownership

What to Expect:
Closing costs usually range from 2–5% of the home’s price.
Final Walk-Through – Make sure everything’s in place before you sign.
Closing Day Tip: Read every document carefully and ask questions. You deserve to feel confident every step of the way.

With Team Doyla and our in-house attorneys, you’re never in this alone. We’ll help you make sense of the numbers and close with peace of mind.

Ready to get started? Let’s talk.

08/04/2025

What is TITLE INSURANCE

Insured statement of the condition of title or ownership of real property. For a one-time-only premium, the named insured and their heirs are protected against title defects, liens and encumbrances existing as of the date of the policy and not specifically excluded from it. In the event of a claim, the title company provides legal defense from the policyholder and pays any covered losses incurred as a result of such claim.

08/01/2025

Did you know that in August, local taxing units across Texas adopt their tax rates for the upcoming year?

Understanding your local tax rates is key to making smart property decisions, whether you're buying, selling, or just planning ahead.

Do you have questions about how these changes might affect your closing or escrow? We are here to help.

Let’s talk property taxes, timelines, and title. Reach out today.

07/30/2025

Before you arrive at the closing table, here’s what you’ll need and why it matters:

✅ A Valid, Government-Issued ID – Per notary laws, you must provide one of the following:
• Texas or out-of-state driver’s license
• U.S. passport or foreign passport
• State-issued ID card
• In some cases, military IDs may be accepted (must be reviewed in advance)

💰 Wire Transfer, Not a Cashier’s Check – Here’s why:
• Wire transfers = immediate availability of funds, ensuring a smooth closing.
• Cashier’s checks = “good funds” but not “collected funds” we can’t use them until they fully clear, which could delay closing.
• We follow strict Texas Department of Insurance and federal regulations, meaning we must have the money in your file before funding your transaction.

🔹 Wire Transfer Safety Tip: Always call us directly to verify wiring instructions before sending funds.

🕒 Time at Closing – Plan for about an hour, though this depends on how long you take to review documents. You should receive them in advance take time to read through them before closing day.

Got questions? Team Doyla is here to guide you every step of the way!

07/28/2025

What is a MUD

A Municipal Utility District (MUD) in Texas is a special-purpose governmental entity created to provide essential services such as water, sewage, drainage, and sometimes even road infrastructure to residential and commercial developments. MUDs are common in areas where city services are not available, allowing for the development of new communities.

How MUDs Work:
1. Creation: MUDs are established under Texas law, typically by a developer, and approved by the Texas Commission on Environmental Quality (TCEQ).
2. Funding: MUDs finance infrastructure development by issuing bonds. These bonds are repaid through property taxes and fees collected from residents and businesses within the district.
3. Governance: MUDs are governed by a board of directors elected by the residents of the district.

MUD Taxes:
• Residents in a MUD pay property taxes to the district in addition to other local taxes.
• MUD tax rates can be higher than city taxes because they cover the cost of infrastructure development.
• Over time, as the bonds are paid off and the district becomes more developed, the MUD tax rate may decrease.

If you’re purchasing a property located in a MUD. Review the MUD’s tax rate, financial obligations, and how it may impact your overall property costs.

07/25/2025

5 STAR FRIDAY! ⭐️⭐️⭐️⭐️⭐️
Today's review is from Britni.

Thank you for trusting us to serve you; we look forward to seeing you again soon!

07/22/2025

Closing vs. Funding: What’s the Difference?

One of the biggest misunderstandings in real estate is the difference between closing and funding and no, they’re not the same thing!

🖊️ Closing = Signing
This is when buyers and sellers sign their documents and buyers present their funds for the transaction.

💰 Funding = Money & Ownership Transfer
Funding happens when:
• All signed documents are received and reviewed.
• The lender (if applicable) releases the loan funds.
• The title company officially disburses money to all necessary parties.

🔑 When Do You Get Your Keys?
Possession typically happens at closing AND funding, not just when you sign. In some cases, this can happen on the same day, but delays can occur depending on the lender and final approval process.

Understanding the process helps avoid surprises—Team Doyla is here to guide you every step of the way!

07/17/2025

Get to Know Your CUSTOMER Day!

At Team Doyla with Ceshker Law and Title, we believe your dream home is more than an address; it’s a journey. We’re here to guide you every step of the way, from contract to close.

Today, we want to hear from YOU:
What does your dream home look like?
Is it a cozy kitchen for family dinners?
A backyard oasis?
A quiet reading nook?

Drop your dream home must-have in the comments! Let’s get to know each other better and make that dream a reality together.

Because with Team Doyla, your dream home is just a step away.

07/14/2025

What is a WIRE

A real estate wire transfer is a method of transferring funds electronically from one bank account to another during a real estate transaction. This is commonly used to send large sums of money, such as the buyer’s down payment or closing costs, to the escrow or title company managing the deal. Wire transfers are popular in real estate because they are fast, secure, and allow for easy tracking.

What is Wire Fraud in Real Estate?

Wire fraud in real estate occurs when scammers intercept or manipulate the wire transfer process to divert funds to their accounts. This usually involves phishing schemes where criminals pose as trusted parties (e.g., real estate agents, escrow officers, or title companies) and send fraudulent emails with fake wiring instructions.

How It Happens:
1. Phishing Emails: Hackers gain access to an email account related to the transaction and monitor communications.
2. Impersonation: They send fraudulent instructions from a look-alike email address.
3. Funds Theft: The buyer unknowingly wires funds to the scammer’s account, often losing the money permanently.

How to Protect Yourself:
1. Verify Wiring Instructions: Always call the escrow or title company using a verified phone number to confirm the wire instructions.
2. Beware of Last-Minute Changes: Be suspicious of emails claiming that wiring instructions have changed.
3. Use Secure Communication: Avoid sharing sensitive information over unsecured emails.
4. Double-Check Details: Confirm the recipient’s account and routing numbers carefully before sending funds.

Understanding these practices can help prevent financial loss and ensure a smooth real estate transaction.

07/11/2025

5️⃣STAR FRIDAY! ⭐️⭐️⭐️⭐️⭐️
Today's review is from Carleen.

Thank you for trusting us to serve you; we look forward to seeing you again soon!