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Let us be your resource for new knowledge and training for your teams. Our experienced staff is available to you for educational opportunities whether in person or online. All courses include key take aways to keep your operations up to date and well-informed.

Online Courses

How to close successfully in every state and get resources to take with you as you develop your business nationwide.
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Gain a better understanding of title issues, from the most common to the trickiest.
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Walk through the good and the bad of the growing digital closings technology.
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Diversify your portfolio by introducing your team to Commercial real estate transactions.
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Learn about why cannabis loans are so tricky and how Res/Title can help insure your cannabis transactions.
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Look at the ways cyber attacks happen and how to better educate our buyers to keep their money secure.
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Help your borrowers minimize the hit of high NY mortgage taxes by closing as a Consolidated Extension Modification Agreement.
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Follow along through the entire closing process, highlighting the checkpoints you need to know.
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Prepare yourself to work with multiple parties to successfully secure your borrowers' rights when dealing with Co-Ops.
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Discover the entire title process from initial order intake through final delivery of your title work.
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Ensure your borrowers’ closing disclosure is accurate by learning the important details to look for.
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Learn how manufactured home transactions are different, and the steps you’ll need to follow to ensure a smooth closing process.
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Common Closing Questions

CEMA stands for Consolidated Extension Modification Agreement and is a process specific to the state of NY that allows a borrower on a refinance to reduce the amount of mortgage taxes they are paying. The existing mortgage is rolled into the new mortgage being obtained so that taxes are only paid on the difference. Eligibility for a CEMA will depend upon a number of factors including the current lender/servicer and applicable fees.
If you have a NY refinance and would like to know if it can be consolidated to save money contact us at closings@res-title.com and our CEMA team will run an analysis for you to show you the potential savings.

Some states charge “Mortgage Taxes” which is a tax based on the any recorded mortgage documents. This means that even a refinance will have taxes charged. The amount of these taxes vary based on the county and state requirements. In some cases the borrower may even be eligible for a discount on these taxes based on previous transactions they completed. You will see these taxes charged in such states as NY, FL, MD, VA and GA. To make sure you have an accurate quote for your refinance transaction visit our calculator by clicking the ‘Get a Quote button or contact us at closings@res-title.com.

The Lender’s Title insurance policy protects the lender’s investment against any loss. Obtaining the policy is a condition of securing the loan. The Owner’s Title insurance policy protects the buyer from any title defects as a result of forgery, fraud, clerical errors and undiscovered liens or easements.
Title policy rates vary from state to state. For an accurate quote you can visit our guaranteed calculator by clicking on “Get a Quote” at the top of our home page or by emailing us directly at closings@res-title.com.

A reissue rate is a discount applied to lender’s title insurance premium on refinance transaction. The discounted rate is applied as it is assumed that the borrower previously paid a full lender’s premium during their initial purchase. The amount of the discount and requirements differ by state. In many instances it is an automatic flat rate discount. In some cases such as FL or VA it is determined on other factors such as the date of the previous policy or the amount of the loan being paid off. For the most accurate calculation of the title insurance reissue rate utilize Res/Title calculator which will accurately and automatically provide your borrowers with the most competitive rate nationwide.

Some states are considered ‘attorney states’ when it comes to title and closing. This means that one or more parts of the closing process is considered to be the practice of law and requires the involvement of an attorney with a valid bar license for that state. This involvement could range from anything to a behind the scenes certification of title to being present at the closing table during signing.
Res/Title has on staff attorneys and partners in all the attorney mandated states. This means no matter what the requirements are in a particular state Res/Title still serves as your one point of contact without you having to incur an additional fee from outside counsel. For questions on a particular state feel free to reach out to us at closings@res-title.com.

Some states such have homestead or spousal signature requirements that require additional parties other than the borrower to be at the loan signing. In some states such as Connecticut, South Carolina or Florida additional witnesses are also need to properly execute the documents. When closing with Res/Title we will notify you of any specific state requirements prior to your closing being scheduled so you can prepare accordingly and all parties can be present for an accurate signing.

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