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who cares - Robert Alvey/VA
10/30/2010 3:15:10 PM (3579 views)
Re: who cares - George Booth/OH
10/30/2010 5:42:41 PM (3641 views)
Re: who cares - Robert Alvey/VA
10/30/2010 7:48:11 PM (3717 views)
Re: who cares - Robert Alvey/VA
10/30/2010 7:49:34 PM (3548 views)
Thank You, Mr. Alvey - Scott Perry/PA
10/31/2010 3:46:21 PM (3679 views)
Re: Thank You, Mr. Alvey - George Booth/OH
10/31/2010 4:44:45 PM (3643 views)
Re: Thank You, Mr. Alvey - Kurt deVries/FL
11/1/2010 12:17:55 PM (3413 views)
Re: who cares - Constance Foye/VA
11/1/2010 12:18:32 PM (3403 views)

What if - Leigh Attridge/MA
10/30/2010 9:54:27 AM (3268 views)
Re: What if - Patrick Scott/IL
10/30/2010 8:43:10 PM (3404 views)
Re: What if - Leigh Attridge/MA
10/30/2010 8:59:39 PM (3419 views)
Re: What if - Robert Franco/OH
10/31/2010 4:56:57 PM (3327 views)
Re: What if - Leigh Attridge/MA
10/31/2010 5:37:58 PM (3309 views)
Re: What if - Bill Garrett/MS
11/1/2010 10:20:51 AM (3239 views)
Re: What if - Leigh Attridge/MA
11/1/2010 10:37:39 AM (3310 views)
Re: What if - Jessica Talley/NJ
11/1/2010 12:12:22 PM (3217 views)
Re: What if - William Pattison /CA
11/1/2010 12:14:29 PM (3174 views)
Re: What if - Robert Franco/OH
11/1/2010 12:26:53 PM (3286 views)
Re: What if - Leigh Attridge/MA
11/1/2010 12:53:02 PM (3249 views)
Re: What if - Marian Littleton/VA
11/1/2010 3:29:40 PM (3264 views)
Re: What if - Robert Franco/OH
11/1/2010 3:49:37 PM (3284 views)
Re: What if - Leigh Attridge/MA
11/1/2010 7:39:37 PM (3196 views)
Re: What if - Marian's post - Constance Foye/VA
11/10/2010 9:33:09 PM (3254 views)
Re: What if - Marian's post - STEVE MEINECKE/TN
11/11/2010 11:45:17 AM (3223 views)

MERS and DC FORECLOSURES - CHARLENE  PERRY/MD
10/29/2010 9:49:29 AM (5546 views)
Re: MERS and DC FORECLOSURES - Leigh Attridge/MA
10/29/2010 10:33:16 AM (3497 views)
Re: MERS and DC FORECLOSURES - George Booth/OH
10/29/2010 10:39:11 AM (3530 views)
Re: MERS and DC FORECLOSURES - Slade Smith/OH
10/29/2010 11:42:59 AM (3625 views)
Cite what law? - Robert Franco/OH
10/29/2010 3:23:24 PM (3484 views)
Re: Cite what law? - Slade Smith
10/29/2010 3:27:10 PM (3426 views)
Re: Cite what law? - Robert Franco/OH
10/29/2010 4:53:00 PM (4214 views)
Re: MERS and DC FORECLOSURES - Leigh Attridge/MA
10/29/2010 12:35:07 PM (6092 views)
Re: MERS and DC FORECLOSURES - Slade Smith/OH
10/29/2010 3:02:19 PM (7163 views)

Comment on "Community Development Director Commits Fraud in Role as Title Company Owner" - Source of Title/OH
10/29/2010 9:44:27 AM (3038 views)
Fraud in Gary - Gloria Eldridge/IN
10/29/2010 9:44:27 AM (8372 views)
Re: Fraud in Gary - Slade Smith/OH
10/29/2010 11:01:54 AM (8492 views)
Re: Fraud in Gary - Gloria Eldridge/IN
10/29/2010 11:13:50 AM (8298 views)

Title info - Robert Alvey/VA
10/29/2010 1:36:32 AM (3403 views)
Re: Title info - Matt Papsch/MD
10/29/2010 4:06:07 AM (3755 views)
Re: Title info - Robert Alvey/VA
10/30/2010 3:05:27 PM (3517 views)
Re: Title info - Robert Alvey/VA
10/30/2010 3:23:30 PM (3487 views)
Re: Title info - George Booth/OH
10/29/2010 7:37:30 AM (3603 views)
Re: Title info - Robert Alvey/VA
10/30/2010 3:26:09 PM (3456 views)
Re: Title info - Louise Jackson/SC
10/29/2010 8:10:52 AM (3638 views)
Re: Title info - Robert Alvey/VA
10/30/2010 3:26:49 PM (3447 views)
Re: Title info - Robert Franco/OH
10/29/2010 3:02:09 PM (3573 views)
Re: Title info - William Pattison /CA
10/29/2010 4:26:08 PM (3486 views)
Re: Title info - Robert Alvey/VA
10/30/2010 3:22:55 PM (3428 views)
Re: Title info - Robert Alvey/VA
10/30/2010 3:31:17 PM (3410 views)
Re: Title info - Jessica Talley/NJ
10/29/2010 7:25:28 PM (3401 views)
Re: Title info - K C/NJ
11/1/2010 10:47:06 AM (3361 views)


Real Title Services


Politicians at Play - William Pattison /CA
10/28/2010 12:14:49 PM (3804 views)
Re: Politicians at Play - Robert Alvey/VA
10/29/2010 1:25:22 AM (3236 views)
Re: Politicians at Play - William Pattison /CA
10/29/2010 4:16:21 PM (3159 views)

Interesting Article About Marcellus Shale Boom In Pennsylvania - Scott Perry/PA
10/28/2010 11:13:32 AM (4725 views)
Re: Interesting Article About Marcellus Shale Boom In Pennsylvania - Slade Smith/OH
10/28/2010 12:32:28 PM (3502 views)
Re: Interesting Article About Marcellus Shale Boom In Pennsylvania - Scott Perry/PA
10/28/2010 1:41:30 PM (3673 views)
Re: Interesting Article About Marcellus Shale Boom In Pennsylvania - George Booth/OH
10/28/2010 7:56:51 PM (6537 views)
Re: Interesting Article About Marcellus Shale Boom In Pennsylvania - Scott Perry/PA
10/28/2010 9:07:49 PM (6226 views)
Re: Interesting Article About Marcellus Shale Boom In Pennsylvania - George Booth/OH
10/28/2010 9:31:48 PM (3269 views)
Re: Interesting Article About Marcellus Shale Boom In Pennsylvania - Scott Perry/PA
10/29/2010 10:07:31 AM (3330 views)
Re: Interesting Article About Marcellus Shale Boom In Pennsylvania - George Booth/OH
10/29/2010 10:50:23 AM (3247 views)
Re: Interesting Article About Marcellus Shale Boom In Pennsylvania - Scott Perry/PA
10/29/2010 11:37:29 AM (3269 views)
Re: Interesting Article About Marcellus Shale Boom In Pennsylvania - Slade Smith/OH
10/29/2010 11:48:50 AM (3297 views)
Re: Interesting Article About Marcellus Shale Boom In Pennsylvania - Scott Perry/PA
10/29/2010 12:10:30 PM (6057 views)
Re: Interesting Article About Marcellus Shale Boom In Pennsylvania - Slade Smith/OH
10/29/2010 12:32:21 PM (3350 views)
Re: Interesting Article About Marcellus Shale Boom In Pennsylvania - George Booth/OH
10/29/2010 12:44:34 PM (3185 views)
Re: Interesting Article About Marcellus Shale Boom In Pennsylvania - Scott Perry/PA
10/29/2010 1:12:24 PM (3197 views)

Title Problem from Foreclosure - Robert Franco/OH
10/28/2010 9:22:16 AM (3392 views)
Re: Title Problem from Foreclosure - Leigh Attridge/MA
10/28/2010 11:28:20 AM (3546 views)
Re: Title Problem from Foreclosure - George Booth
10/28/2010 11:59:14 AM (3535 views)
Re: Title Problem from Foreclosure - Robert Franco/OH
10/28/2010 1:01:08 PM (3560 views)
Warped Sense of Humor Perspective - Bobbi Shorthouse, Notary Public/CT
10/28/2010 1:18:02 PM (3699 views)
Re: Warped Sense of Humor Perspective - Jessica Talley/NJ
10/28/2010 2:14:26 PM (3584 views)
Re: Title Problem from Foreclosure - George Booth/OH
10/28/2010 3:29:20 PM (4041 views)
Re: Title Problem from Foreclosure - Robert Franco/OH
10/28/2010 3:39:21 PM (3596 views)
Re: Title Problem from Foreclosure - William Pattison /CA
10/28/2010 3:45:37 PM (3553 views)
Re: Title Problem from Foreclosure - George Booth/OH
10/28/2010 7:25:25 PM (3507 views)
Re: Title Problem from Foreclosure - Leigh Attridge/MA
10/28/2010 7:42:39 PM (3517 views)
Re: Title Problem from Foreclosure - George Booth/OH
10/28/2010 7:46:11 PM (3435 views)
Re: Title Problem from Foreclosure - Robert Franco/OH
10/29/2010 3:26:13 PM (3360 views)
Re: Title Problem from Foreclosure - Robert Alvey/VA
10/29/2010 1:20:23 AM (3522 views)
Re: Title Problem from Foreclosure - William Pattison /CA
10/28/2010 3:12:39 PM (3474 views)
Re: Title Problem from Foreclosure - George Booth
10/28/2010 7:42:45 PM (3440 views)
Re: Title Problem from Foreclosure - Slade Smith/OH
10/28/2010 8:05:34 PM (3484 views)
Re: Title Problem from Foreclosure - George Booth/OH
10/28/2010 8:12:54 PM (3480 views)
Re: Title Problem from Foreclosure - Jessica Talley/NJ
10/29/2010 7:08:57 AM (3411 views)
Re: Title Problem from Foreclosure - Robert Alvey/VA
10/29/2010 1:41:47 AM (3658 views)
Re: Title Problem from Foreclosure - George Booth/OH
10/29/2010 7:52:53 AM (3544 views)
Re: Title Problem from Foreclosure - Jessica Talley/NJ
10/29/2010 7:30:20 PM (3374 views)
Re: Title Problem from Foreclosure - Scott Perry/PA
10/30/2010 10:46:40 AM (3454 views)
Re: Title Problem from Foreclosure - William Pattison /CA
11/1/2010 4:01:54 PM (3397 views)

NYT article regarding Spain's foreclosure practices - Leigh Attridge/MA
10/27/2010 10:18:18 PM (4697 views)
Re: NYT article regarding Spain's foreclosure practices - George Booth/OH
10/27/2010 11:04:22 PM (3410 views)
Re: NYT article regarding Spain's foreclosure practices - Bill Garrett/MS
11/1/2010 11:12:15 AM (3261 views)
Re: NYT article regarding Spain's foreclosure practices - William Pattison 
11/1/2010 3:27:12 PM (3154 views)
Re: NYT article regarding Spain's foreclosure practices - Bill Garrett/MS
11/1/2010 8:59:45 PM (3170 views)
Predatory Lending - William Pattison /CA
11/1/2010 5:58:12 PM (3121 views)

CHECK THIS LINK REGARDING STERN - CHARLENE  PERRY/MD
10/27/2010 2:45:41 PM (4399 views)
Re: CHECK THIS LINK REGARDING STERN - K C/NJ
10/27/2010 4:35:25 PM (3152 views)

Fidelity National Agency Solutions - Rita Killary/NY
10/27/2010 11:00:08 AM (3542 views)
Re: Fidelity National Agency Solutions - Jessica Talley/NJ
10/27/2010 1:46:26 PM (3650 views)
Re: Fidelity National Agency Solutions - K C/NJ
10/27/2010 4:27:58 PM (3536 views)
Re: Fidelity National Agency Solutions - K C/NJ
10/27/2010 4:34:26 PM (3784 views)
Re: Fidelity National Agency Solutions - Sheila Sten/PA
10/27/2010 9:25:06 PM (4520 views)
Re: Fidelity National Agency Solutions - Rita Killary/NY
10/28/2010 11:02:36 AM (3631 views)

ORT and MARYLAND FORECLOSURES - CHARLENE  PERRY/MD
10/25/2010 3:27:23 PM (2624 views)

AAC / Mifflin Co Abstract - K C/NJ
10/25/2010 2:06:17 PM (4416 views)

out sourcing to india - Robert Alvey/VA
10/23/2010 11:13:32 AM (4093 views)
Re: out sourcing to india - john rutledge/VA
10/25/2010 4:57:37 PM (3669 views)
Re: out sourcing to india - William Pattison 
10/28/2010 12:22:24 PM (3551 views)
Re: out sourcing to india - Robert Alvey/VA
10/29/2010 1:15:01 AM (3536 views)
Re: out sourcing to india - Matt Papsch/MD
10/29/2010 4:15:12 AM (3752 views)
Re: out sourcing to india - Robert Alvey/VA
10/30/2010 3:17:48 PM (3494 views)

foreclosures - Robert Alvey/VA
10/23/2010 10:55:11 AM (3275 views)
Re: foreclosures - Robert Franco/OH
10/23/2010 11:49:12 AM (3545 views)
Re: foreclosures - William Pattison /CA
10/26/2010 7:58:45 PM (3515 views)

  I will disagree as to foreclosures in nonjudicial foreclosure states.  In these states, since the matters do not go through the courts, the Official Records (General Records by Grantor-Grantee Indices) are critical to the foreclosure process.

  Firstly, making sure that you are aware of the effective dates of the various county systems and reflecting them accurately in your reports.  I even recommend "backdating" your effective range (the current date) as I've seen all too often indexing errors and the effects of computer system changes days after a recording date.  If you can do so, take a digital camera and copy your index run page to prove the results located, in case the results are later changed by county staff.  Our county (San Mateo) and other around it, do NOT maintain an error log.

  Secondly, review documents carefully.  Errors mainly come in three forms:  (1)  Indexing errors by county staff where the document is correct but the index is typed wrong.  (2) Document errors where the document is materially flawed:  wrong loan number, incorrect date reference, wrong property listed, invalid mortgage reference, etc....  (3) Third party index errors on private databases:  see my prior story about an elderly couple notified of default when they don't even have a mortgage whereby the database firm abstracted their APN wrong off a correct record.  With regard to these matters, do two things:  1.  keep copies of all documents (in addition to the index copies from above).  2.  get a subscription to an online database system and run the property to help locate any default or trustee sale matters that are mis-indexed and might show up later on the public rolls or on other disclosures.

  Thirdly, keep in mind that title insurance is not available in many states for foreclosed properties for many months after a trustee sale deed records (regardless of whether it goes back to a bank or to a third party bidder).  As such, if someone is asking you for an insured product, don't offer it and be cautious about what promises and guarantees that you make in any report. 

  Fourthly, for pending foreclosures where a sale date has been set, track them on the trustee websites to watch for auction date updates.  Things shift and change.

  Fifthly, check the courts;  look for bankruptcy filings on PACER and check the local Superior Courts (or equivalent jurisdictions) to ensure that no lis pendens actions or bankruptcy filings have occurred which can take legal priority over a foreclosure. 

  Sixthly, check and recheck the Grantor-Grantee Index to ensure that you understand and report properlly  on lien and encumbrance matters.  Understand the role of IRS liens, subordination agreements and other matters that can affect whether a lien is active or terminated by a foreclosure action, or whether that foreclosure could be overturned.  The feds tend to take their  liens very seriously and will collect regardless of a foreclosure.

  Lastly, understand the different types of foreclosure and what they mean.  Maybe this should be first....anyway, a foreclosure by the County Treasurer for nonpayment of secured property tax is different than a "mortgage" (deed of trust) foreclosure which is different than a true mortgage foreclosure which is different than the (rare) judicial foreclosure which is different than a homeowners association foreclosing for  nonpayment of monthly dues. 

  Ultimately, do your duty by reporting all matters openly, honestly and comprehensively with good and full disclosure. 

  Know your markets.

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