Res/University
Your resource for title requirements in all 50 states. At Res/Title, we specialize in multi-state transactions whether it is a purchase, refi, equity or commercial. Our experienced and educated staff has you covered from available reissue rates, attorney requirements, community property states or any of the specific state nuances across the nation.
Discounted rates on title insurance premiums for borrowers who have previously refinanced. Time period and new loan amount are a couple of the factors that determine eligibility.
Our calculator guarantees your client receives any applicable reissue rates nationwide.
*Dependent on property and transaction type
RES/TITLE’S Attorney network handles and meets this standard.
In certain situations, even if a spouse is not listed as an owner on the property title, they may still need to sign legal documents related to the property.
Our closers will confirm prior to signing all parties that will need to be available and make any arrangements needed.
Our team can review documents for you in different states to confirm you have the right trustee for proper recording.
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