Understanding Title Vesting

What is Vesting and When Does Vesting Change? Vesting is the way property owners hold title to their real estate. Owners can hold title in different ways depending on their…

Title Commitment Effective Date

What is an effective date on a title commitment and what does it represent? The title commitment is the title company’s promise to issue a title insurance policy to the…

Guidelines for Paying Off HELOCs

To ensure smooth closings, a payoff letter is needed A Home Equity Line of Credit (HELOC) is unique in that it is not an installment loan paid off with regularly…

Witness Requirements by State

Witness requirements during notarization of closing documents vary by state. When a closing involves a property in one of the states below, you MUST communicate the respective witness requirements to your borrower before the…