Kotner Title

Kotner Title Providing over 75-years of service to Southern Illinois, Kotner Title strives to deliver fast, accurate and hassle-free title & abstract services.

๐ˆ๐ง ๐Ž๐›๐ฌ๐ž๐ซ๐ฏ๐š๐ง๐œ๐ž ๐จ๐Ÿ ๐‰๐ฎ๐ง๐ž๐ญ๐ž๐ž๐ง๐ญ๐กIn observance of Juneteenth, the Kotner Title office will be closed on Friday, June 19.We wil...
06/19/2026

๐ˆ๐ง ๐Ž๐›๐ฌ๐ž๐ซ๐ฏ๐š๐ง๐œ๐ž ๐จ๐Ÿ ๐‰๐ฎ๐ง๐ž๐ญ๐ž๐ž๐ง๐ญ๐ก

In observance of Juneteenth, the Kotner Title office will be closed on Friday, June 19.

We will resume normal business hours on Monday, June 22.

We wish everyone a safe and meaningful holiday as we recognize and celebrate this important day in our nation's history.

๐Ÿก๐Ÿ’ก๐“๐ข๐ญ๐ฅ๐ž ๐“๐ข๐ฉ ๐“๐ฎ๐ž๐ฌ๐๐š๐ฒ๐Ÿ’ก๐ŸกUnderstanding PMI is an important part of the homebuying journeyโ€”especially for buyers purchasing w...
06/16/2026

๐Ÿก๐Ÿ’ก๐“๐ข๐ญ๐ฅ๐ž ๐“๐ข๐ฉ ๐“๐ฎ๐ž๐ฌ๐๐š๐ฒ๐Ÿ’ก๐Ÿก

Understanding PMI is an important part of the homebuying journeyโ€”especially for buyers purchasing with a smaller down payment. While it adds to a monthly mortgage payment, PMI can help make homeownership possible sooner rather than waiting years to save a larger upfront amount.

Here are a few key things buyers should know:

โœ”๏ธ PMI is commonly required when putting down less than 20%
โœ”๏ธ It helps lenders reduce risk on lower down payment loans
โœ”๏ธ PMI may be removable once enough equity is built in the home
โœ”๏ธ Knowing your loan options can help you plan your long-term budget wisely

The more informed you are about the financing process, the more confident you can feel at closing time. ๐Ÿ”‘โœจ

๐Ÿกโœจ๐“๐ข๐ญ๐ฅ๐ž ๐“๐ข๐ฉ ๐“๐ฎ๐ž๐ฌ๐๐š๐ฒ๐ŸกReceiving a lower-than-expected offer can be frustrating, but it doesnโ€™t always mean the deal is off...
06/09/2026

๐Ÿกโœจ๐“๐ข๐ญ๐ฅ๐ž ๐“๐ข๐ฉ ๐“๐ฎ๐ž๐ฌ๐๐š๐ฒ๐Ÿก

Receiving a lower-than-expected offer can be frustrating, but it doesnโ€™t always mean the deal is off the table. In real estate, negotiations are a normal part of the process, and a counteroffer can help keep conversations moving toward a successful agreement.

A few things sellers should remember:

โœ”๏ธ The first offer is often just the starting point
โœ”๏ธ Open communication can lead to better outcomes for both parties
โœ”๏ธ Flexibility during negotiations may help avoid extended time on the market
โœ”๏ธ A skilled real estate and title team can help guide the process smoothly

Staying open to negotiation could be the key to getting your home sold faster and with fewer complications. ๐Ÿ”‘

๐Ÿก๐Ÿ’ก๐“๐ข๐ญ๐ฅ๐ž ๐“๐ข๐ฉ ๐“๐ฎ๐ž๐ฌ๐๐š๐ฒ๐Ÿ’ก๐ŸกSetting the right price from the start can make all the difference when selling your home. While it...
06/02/2026

๐Ÿก๐Ÿ’ก๐“๐ข๐ญ๐ฅ๐ž ๐“๐ข๐ฉ ๐“๐ฎ๐ž๐ฌ๐๐š๐ฒ๐Ÿ’ก๐Ÿก

Setting the right price from the start can make all the difference when selling your home. While it may be tempting to aim high, pricing above market value can sometimes discourage buyers and cause a property to sit longer than expected.

Hereโ€™s why accurate pricing matters:

โœ”๏ธ Attracts serious buyers sooner
โœ”๏ธ Helps create stronger market interest
โœ”๏ธ Can lead to a smoother, faster closing process
โœ”๏ธ Reduces the chances of future price reductions

A competitive, well-researched listing price is one of the best strategies for a successful sale. ๐Ÿ”‘

โ˜” ๐‚๐ฅ๐จ๐ฌ๐ข๐ง๐  ๐ƒ๐ž๐š๐ฅ๐ฌ, ๐‚๐จ๐ฆ๐ž ๐‘๐š๐ข๐ง ๐จ๐ซ ๐’๐ก๐ข๐ง๐ž โ˜”Rainy days donโ€™t slow us down! Just look at our office purr-fessionalโ€”staying dry, ...
06/01/2026

โ˜” ๐‚๐ฅ๐จ๐ฌ๐ข๐ง๐  ๐ƒ๐ž๐š๐ฅ๐ฌ, ๐‚๐จ๐ฆ๐ž ๐‘๐š๐ข๐ง ๐จ๐ซ ๐’๐ก๐ข๐ง๐ž โ˜”

Rainy days donโ€™t slow us down! Just look at our office purr-fessionalโ€”staying dry, focused, and always on duty. ๐Ÿฑโ˜‚๏ธ Whether itโ€™s sunshine or showers, weโ€™re here to help keep your closings moving forward.

๐Ÿกโœจ ๐“๐ข๐ญ๐ฅ๐ž ๐“๐ข๐ฉ ๐“๐ฎ๐ž๐ฌ๐๐š๐ฒ โœจ๐ŸกBefore purchasing a property, itโ€™s important to understand what could impact ownership rights. A ...
05/26/2026

๐Ÿกโœจ ๐“๐ข๐ญ๐ฅ๐ž ๐“๐ข๐ฉ ๐“๐ฎ๐ž๐ฌ๐๐š๐ฒ โœจ๐Ÿก

Before purchasing a property, itโ€™s important to understand what could impact ownership rights. A lis pendens serves as a warning that legal action involving the property is currently underway, which could affect the title and future transfer of ownership.

What should buyers and sellers keep in mind?

โœ”๏ธ It may delay or complicate a real estate transaction
โœ”๏ธ Title searches help uncover potential legal concerns early
โœ”๏ธ Working with experienced title professionals can help protect your investment

Doing your homework before closing can help avoid unexpected surprises later on. ๐Ÿ”‘

๐Ÿ‡บ๐Ÿ‡ธ ๐Œ๐ž๐ฆ๐จ๐ซ๐ข๐š๐ฅ ๐ƒ๐š๐ฒ ๐Ž๐Ÿ๐Ÿ๐ข๐œ๐ž ๐‚๐ฅ๐จ๐ฌ๐ฎ๐ซ๐ž ๐Ÿ‡บ๐Ÿ‡ธThis Memorial Day, we take time to reflect with gratitude for the heroes who made the u...
05/25/2026

๐Ÿ‡บ๐Ÿ‡ธ ๐Œ๐ž๐ฆ๐จ๐ซ๐ข๐š๐ฅ ๐ƒ๐š๐ฒ ๐Ž๐Ÿ๐Ÿ๐ข๐œ๐ž ๐‚๐ฅ๐จ๐ฌ๐ฎ๐ซ๐ž ๐Ÿ‡บ๐Ÿ‡ธ

This Memorial Day, we take time to reflect with gratitude for the heroes who made the ultimate sacrifice in service to our nation. โค๏ธ

In observance of the holiday, Kotner Title will be closed Monday, May 25th. Our office will reopen Tuesday, May 26th during regular business hours.

We hope you have a safe and peaceful holiday weekend. โญ

๐Ÿ’ก ๐“๐ข๐ญ๐ฅ๐ž ๐“๐ข๐ฉ ๐“๐ฎ๐ž๐ฌ๐๐š๐ฒ๐Ÿ’กWhen it comes to real estate transactions, accurate reporting matters. Settlement agents play an imp...
05/19/2026

๐Ÿ’ก ๐“๐ข๐ญ๐ฅ๐ž ๐“๐ข๐ฉ ๐“๐ฎ๐ž๐ฌ๐๐š๐ฒ๐Ÿ’ก

When it comes to real estate transactions, accurate reporting matters. Settlement agents play an important role in the closing process by ensuring property sale information is properly documented and reported to the IRS through Form 1099.

Why is this important?
โœ”๏ธ Helps maintain compliance with federal tax requirements
โœ”๏ธ Supports accurate recordkeeping for buyers and sellers
โœ”๏ธ Reduces the risk of reporting issues down the road

A smooth closing is about more than signatures โ€” itโ€™s also about making sure every detail is handled correctly behind the scenes. ๐Ÿกโœจ

Today, we celebrate the mothers and mother figures whose compassion, encouragement, and unwavering love make a lasting d...
05/10/2026

Today, we celebrate the mothers and mother figures whose compassion, encouragement, and unwavering love make a lasting difference in the lives of their families and communities. Your strength and selflessness do not go unnoticed. ๐Ÿ’

From all of us at Kotner Title, thank you for the care, comfort, and support you give so freely. We appreciate and celebrate you today and every day. โค๏ธ

Happy Motherโ€™s Day

Address

200 Seright Street
Harrisburg, IL
62946

Opening Hours

Monday 8am - 4:30pm
Tuesday 8am - 4:30pm
Wednesday 8am - 4:30pm
Thursday 8am - 4:30pm
Friday 8am - 4:30pm

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