State Resources

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

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; CT Attorney required for closing and issuance of title policy

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; DE attorney required for closing and disbursement

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 – KY attorney required for closing; 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 then no.

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; LA attorney certifice of title required on all title reports

Reissue Rate Available – Yes

Spousal Signature Requirements – No

Attorney Requirements – None

Trustee State – N/A

Required Endorsements – ALTA 8.1, SECONDARY MARKET, ALTA 9

State Notes – ME Attorneys customarily conduct 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 – MA attorneys required for closing and disbursement; 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 – MS attorney required for certification of title

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 – Escrow process similar to CA

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 –

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 – 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 – SC attorney required for closing as well as certification of title; 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 – Rates based per county

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 – Closings typically handled by VT attorney

Reissue Rate Available – Yes, automatic

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 – WV attorney required for closing

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