Where compliance & technology meet title

Reissue Rate Available - Yes

Spousal Signature Requirements - Refi: Yes
Purchase: No

Attorney Requirements - Yes - for title opinions

Trustee State - N/A

Required Endorsements - Determined by lender requirements

State Notes - Sales agreements determine the responsibility of closing costs between buyer and seller

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, may use RES/TITLE

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary or transfer taxes on conveyances

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes, unless the property was acquire by one spouse before the marriage

Attorney Requirements - None

Trustee State - Yes, may use RES/TITLE

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary or transfer taxes on conveyances

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, must be lender representative

Required Endorsements - Determined by lender requirements

State Notes - Seller typically pays for owner's policy and may determine title provider

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, any party may act as trustee

Required Endorsements - Determined by lender requirements

State Notes - Sales agreement determine the responsibility of closing costs and fees between buyers and sellers

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes; the non-title spouse has to sign only if there is a recorded declared homestead

Attorney Requirements - None

Trustee State - Yes, public trustee by county

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Seller typically pays for owner's policy and may determine title provider

Reissue Rate Available - Yes Automatic Discount

Spousal Signature Requirements - No

Attorney Requirements - Yes - for closings and issuance of title

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Second witness required on recordables

Reissue Rate Available - Yes

Spousal Signature Requirements - No

Attorney Requirements - Yes - for closing and disbursement

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - DE Title policies require payment of CPL fee of $125.

Reissue Rate Available - Yes

Spousal Signature Requirements - No

Attorney Requirements - None

Trustee State - Yes, any party may act as trustee

Required Endorsements - ALTA 8.1

State Notes - Buyers may pay for additional taxes per sales agreement

Reissue Rate Available - Yes - tiered rate based on date of prior policy

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Intangible Mortgage Tax charged on all transactions; QuitClaim Deeds require 2 witnesses

Reissue Rate Available - Yes

Spousal Signature Requirements - No

Attorney Requirements - Yes - for closing and disbursement

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Intangible Mortgage Tax charged on all transactions; GA attorney required for closing and disbursement; Second Witness required for signing

Reissue Rate Available - No

Spousal Signature Requirements - No

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - Determined by lender requirements

State Notes - Sellers pay for title search costs and conveyance taxes

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, must be lender representative

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary or transfer taxes on conveyances

Reissue Rate Available - No

Spousal Signature Requirements - Yes

Attorney Requirements - Customary but not required

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Sellers typically pay for owner's title per agreement; IL attorney must prepare documents; State Policy fee of $3 charged on every transaction

Reissue Rate Available - No

Spousal Signature Requirements - No

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - There are typically no documentary, mortgage or transfer taxes; State Policy fee of $5 charged on every transaction

Reissue Rate Available - No

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - Determined by lender requirements

State Notes - Title Insurance handled by domestic title companies only

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - Determined by lender requirements

State Notes - Many land titles stem from Native American origins and must go before commission for approval

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes Sales agreements determine responsibility of title insurance premium; Policies require CPL fee of $50

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes; unless the property is the separate property of the spouse.

Attorney Requirements - Yes - for title opinions

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - There are typically no mortgage or transfer taxes.

Reissue Rate Available - Yes

Spousal Signature Requirements - No

Attorney Requirements - CUSTOMARY BUT NOT REQUIRED

Trustee State - N/A

Required Endorsements - ALTA 8.1, SECONDARY MARKET, ALTA 9

State Notes - ME Attorneys customarily conduct closings, although not required, ME Attorneys often involved in purchase closings; Survey affidavit required on all closings if survey not provided

Reissue Rate Available - Yes, referred to as "discounted rate"

Spousal Signature Requirements - No

Attorney Requirements - None

Trustee State - Yes, any natural person can serve as trustee

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Mortgage recordation tax charged on all transactions; First time home buyers receive discounted tax rates if eligible

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - Yes - for closing and sales agreements

Trustee State - N/A

Required Endorsements - ALTA 8.1, SECONDARY MARKET, ALTA 9

State Notes Plot plans required on all purchases

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Sales agreement determine the responsibility of closing costs and fees between buyers and sellers

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Deeds of trust authorized as well as mortgages

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - Yes - for title opinions

Trustee State - Yes, may use RES/TITLE

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Payment of Owner's Policy and title fees are negotiable per contract although customarily paid by buyer

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, may use RES/TITLE

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary or transfer taxes on conveyances

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, must be lender representative

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary or transfer taxes on conveyances

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, must be lender representative

Required Endorsements - Determined by lender requirements

State Notes - Buyers and sellers split escrow and closing costs

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, may use RES/TITLE

Required Endorsements - Determined by lender requirements

State Notes - Title search fees are not charged separately as they are part of title insurance premium costs

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - ALTA 8.1, SECONDARY MARKET, ALTA 9

State Notes - Purchase transactions require additional deed tax forms to be executed by seller and buyer

Reissue Rate Available - No

Spousal Signature Requirements - Refi: Yes
Purchase: No

Attorney Requirements - Customary but not required

Trustee State - N/A

Required Endorsements - ALTA 8.1, SECONDARY MARKET, ALTA 9

State Notes - Title and settlement fees restricted by NJ Title Insurance Association

Reissue Rate Available - No

Spousal Signature Requirements - Refi: Yes
Purchase: No

Attorney Requirements - None

Trustee State - Yes, may use RES/TITLE

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary, mortgage or transfer taxes

Reissue Rate Available - Yes

Spousal Signature Requirements - No

Attorney Requirements - Customary but not required

Trustee State - N/A

Required Endorsements - TIRSA 8.1, TIRSA GNERAL ENDORSEMENT, RESIDENTIAL MORTGAGE, TIRSA WAIVER OF ARBITRATION

State Notes - CEMA transaction eligibility provides discounted recording tax for borrowers; savings determinative of remaining existing debt and availability through previous lender for CEMA

Reissue Rate Available - No

Spousal Signature Requirements - Refi: Yes
Purchase: No

Attorney Requirements - Yes - for closing and title opinions

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Sales agreements determine the responsbility of the survey procurement

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - Yes - for title opinions

Trustee State - Yes, may use RES/TITLE

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary, mortgage or transfer taxes

Reissue Rate Available - No

Spousal Signature Requirements - Yes

Attorney Requirements - Customary but not required

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Sales agreement determine the responsibility of closing costs and fees between buyers and sellers as well as the settlement agent for the transaction

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - Determined by lender requirements

State Notes - Sales agreement determine the responsibility of closing costs and fees between buyers and sellers

Reissue Rate Available - Yes

Spousal Signature Requirements - No

Attorney Requirements - None

Trustee State - Yes

Required Endorsements - Determined by lender requirements

State Notes - Most real estate transactions in Oregon are closed through escrow companies that are affiliated with title insurance companies. The escrow company acts as a neutral third party to prepare closing documents and record appropriate document.

Reissue Rate Available - Yes - referred to as "discounted rate"

Spousal Signature Requirements - No

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - PA 100, PA, 300, PA 900

State Notes - Policies require CPL fee of $125; Borrowers exempt from transfer taxes on a deed if Grantor & Grantee are related by husband/wife; parent/child or siblings

Reissue Rate Available - Yes

Spousal Signature Requirements - No

Attorney Requirements - Yes - for title opinions

Trustee State - N/A

Required Endorsements - ALTA 8.1, ALTA 9, SECONDARY MARKET, SURVEY DELETION

State Notes - Must be on record before disbursement

Reissue Rate Available - No

Spousal Signature Requirements - No

Attorney Requirements - Yes - for closing and title opinions

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Second witness required on recordables

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - Yes - for title opinions

Trustee State - N/A

Required Endorsements - Determined by lender requirements

State Notes - All land property platted in lots rather than metes and bounds; Any person having unbroken chain of title for 22 years automatically certified with marketable title free of defects

Reissue Rate Available - No

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes - trustee must be resident of state or incorporated in state

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Mortgage recordation tax charged on all transactions

Reissue Rate Available - No

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - Determined by underwriter requirement in county

State Notes - Transactions in which the borrower receives cash out or funds must close at an attorney or title agent's office

Reissue Rate Available - Yes

Spousal Signature Requirements - No

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary or transfer taxes on conveyances

Reissue Rate Available - Yes

Spousal Signature Requirements - Refi: Yes
Purchase: No

Attorney Requirements - Customary but not required

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Surveys required on all purchases unless Seller can provide one

Reissue Rate Available - Yes, automatic discount

Spousal Signature Requirements - No

Attorney Requirements - None

Trustee State - Yes - VA residents must act as trustee

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Must be on record before disbursement; Mortgage recordation tax charged on refinances based on "new" money amount

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, must be lender representative

Required Endorsements - Determined by lender requirements

State Notes - Sellers generally pay for title insurance premiums

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - Yes - for closing and disbursement

Trustee State - Yes, may use RES/TITLE

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Many closings costs negotiable including title insurance and recording fees

Reissue Rate Available - Yes, within 10 years

Spousal Signature Requirements - Refi: Yes
Purchase: No

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Sales Agreement will indicate agent that is handling title and owner's policy

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - Yes - for title opinions

Trustee State - Yes, may use RES/TITLE

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary or transfer taxes on conveyances