Denise R. Scolaro-Klag Cleveland Home Title

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Denise R. Scolaro-Klag Cleveland Home Title Cleveland Home Title is a full-service independent title insurance and escrow company. I aligned with Cleveland Home Tile as the Associate Vice President.

Cleveland Home Title is a full-service Title Insurance and Escrow company with offices across Northeastern Ohio and Southern Cuyahoga/Medina County. Cleveland Home Title not only services customers in Northeast Ohio, we stretch across the state of Ohio Making Cleveland Home Title your one stop shop for all your Commercial and Residential title needs

Over the last 20 years in the title industry, Denise R. Klag has operated as a National Sales Representative for several large title companies in the Cleveland area. My tenure in the business has allowed to accomplish many things in the residential and commercial real estate industry including: The State of Ohio License in Title Insurance, Notary Public, a national sales platform, Membership Board of CABOR Chair 2012-13, VP of the Pillars of Commerce BNI, Advisory Board of North Coast YPN, Medina Board of Realtors, Co-Founder of Networking Power Hours, CABOR Affiliate of the Year 2012, member of World Wide Who's Who just to name a few. As a member of the real estate community, I am very dedicated to the redevelopment of Northeastern Ohio being involved with the local CDC’s or Cleveland Development Corporations sitting on committees for The UpTown Business Partnership and University Circle Incorporated, current Member of the Medina Board of Realtors serving on the RPAC, Affiliate, and Legislative (Current Chair) Committee’s, Signature Leadership Medina County program, and elected Treasurer for the Hinckley Chamber of Commerce.

Paying cash for a house? You still need title insurance.With no lender in the deal, nobody requires a policy — but nobod...
10/17/2026

Paying cash for a house? You still need title insurance.

With no lender in the deal, nobody requires a policy — but nobody shares the risk either. Every dollar on the table is yours.

Here's what to know:

✅ An owner's policy is a one-time premium at closing. It lasts as long as you (or your heirs) own the home — no renewals.

✅ It covers hidden defects a title search can miss: forged paperwork, recording errors, a lien nobody knew about, an heir who shows up later.

✅ Who pays for the policy varies and is negotiable — ask your title company what to expect.

Paying cash doesn't make the title clean. The owner's policy protects it.

Buying without a lender? Let's talk about protecting your investment.

Will mortgage rates come down?Wondering if rates will drop before you buy? Zillow just put a number on it.• The 30-year ...
10/14/2026

Will mortgage rates come down?

Wondering if rates will drop before you buy? Zillow just put a number on it.

• The 30-year fixed is at 7.568% and the 15-year at 6.844% (The Mortgage Reports, data dated Oct 9, 2026) — mid-7s, the highest in about three years.
• Zillow's October forecast expects modest relief: the 30-year easing to 7.1% by the end of 2026, and only 6.5% by the end of 2027.
• Waiting for the low-6% world to come back? The signal is it isn't — work with the market you're in, and get your rate in writing.
• Any discount points or rate buydowns you negotiate show up on your Closing Disclosure — that's the document your title company walks through with you before you sign anything.

General information only, not financial advice.

Questions about what your Closing Disclosure will show? Cleveland Home Title walks buyers through every line before they sign.

Closing wire fraud: one phone call protects your down paymentThe FBI logged over 12,000 real estate fraud complaints las...
10/13/2026

Closing wire fraud: one phone call protects your down payment

The FBI logged over 12,000 real estate fraud complaints last year, with $275 million in reported losses. The most common trick: an email that looks exactly like it's from your title company, with wiring instructions inside. One wrong wire and the money is gone.

Before you send a dollar:
→ Never wire based on emailed instructions alone. Not ever.
→ Call your title company at a number you already have — their website, your closing paperwork, a business card — and confirm the instructions out loud.
→ A "voice confirmation" can be faked too. Use a trusted number you already have, not one from the email.
→ If instructions feel off, stop and forward them to your title company. They can verify in minutes.

Agents: warn your buyers about this before closing day.

Escrow 101: Where your earnest money actually goesThat earnest money check you write with your offer? It's a good-faith ...
10/11/2026

Escrow 101: Where your earnest money actually goes

That earnest money check you write with your offer? It's a good-faith deposit — not your down payment — and it goes into escrow.

What happens to it:
• A neutral third party (usually the title company) holds it in a secure escrow account while the deal plays out
• It's typically around 1–3% of the purchase price, and at closing it's credited toward your down payment or closing costs
• If the inspection, appraisal, or financing falls through, you generally get it back
• Walk away without a valid contingency, though, and you could lose it — know your contingencies before you sign

Questions about escrow or your closing? Reach out — happy to walk through it.

Owner's vs. Lender's Title Insurance: Two Policies, Two JobsAt closing you may see two title insurance policies — and th...
10/11/2026

Owner's vs. Lender's Title Insurance: Two Policies, Two Jobs

At closing you may see two title insurance policies — and they are not the same thing.

🏠 The owner's policy protects YOU: your down payment and equity, for as long as you own the home.

🏦 The lender's policy protects only the LENDER: it covers the loan amount, and does nothing for the homeowner.

A few things worth knowing:
• The lender's policy is typically required when you finance. The owner's policy is optional — but often purchased at the same closing.
• Both are one-time premiums paid at closing. No monthly payments, no renewals.
• Typical covered risks: undiscovered liens, forged documents, errors in public records, unknown heirs' claims.

Buying or selling soon? Ask your title company to walk you through both policies before closing day.

Late October: Cleveland's Best Window for BuyersRedfin's seasonal data shows late October is when Cleveland-area buyers ...
10/06/2026

Late October: Cleveland's Best Window for Buyers

Redfin's seasonal data shows late October is when Cleveland-area buyers usually find the best deals — the point in the year when discounts off list price tend to peak.

If your buyers are waiting, that window is opening up.

Note: this reflects a historical seasonal pattern, not a price prediction.

Source: Redfin

09/30/2026

Only the owner's policy protects your equity — a plain-English explainer on owner's vs. lender's title insurance.

Address

975 Pearl Road, Suite 201
Brunswick, OH
44212

Telephone

(440) 213-6710

Website

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