Register
Log In
Forget your Password?

Home
Directory
Bulletins
Forums
Blogs
Articles
Links
Classifieds
About Us
Contact Us
Advertise
FAQ
Privacy Policy


Discussion
<< get older messagesget newer messages >>
to post a message: login - or - register | search messages | hide all replies



Avanzegroup fka Visionet?? - Alix Ott/MI
11/18/2021 12:34:01 PM (3686 views)
Re: Avanzegroup fka Visionet?? - Robert Franco/OH
11/18/2021 3:08:07 PM (4316 views)
Re: Avanzegroup fka Visionet?? - Amy Kauffman/TX
11/24/2021 12:38:34 PM (4101 views)
Re: Avanzegroup fka Visionet?? - Alix Ott/MI
11/24/2021 12:57:24 PM (4844 views)
Re: Avanzegroup fka Visionet?? - Amy Kauffman/TX
11/24/2021 2:50:15 PM (4166 views)
Re: Avanzegroup fka Visionet?? - Michael Rosing/IL
12/31/2021 8:52:03 AM (3370 views)
Re: Avanzegroup fka Visionet?? - stephen willard/OH
12/2/2021 7:59:46 AM (3903 views)
Re: Avanzegroup fka Visionet?? - Kara Foster-Morales/OH
12/3/2021 9:59:41 AM (3958 views)
Re: Avanzegroup fka Visionet?? - Frank Laisch/FL
1/10/2022 1:49:31 PM (3507 views)
Re: Avanzegroup fka Visionet?? - Michael Rosing/IL
12/27/2021 3:48:17 PM (3449 views)
Re: Avanzegroup fka Visionet?? - Michael Rosing/IL
1/2/2022 10:46:47 AM (3622 views)
Re: Avanzegroup fka Visionet?? - george Hubka/MI
1/3/2022 9:02:16 PM (3559 views)
Re: Avanzegroup fka Visionet?? - Frank Laisch/FL
1/10/2022 1:50:57 PM (3341 views)
Re: Avanzegroup fka Visionet?? - Sherry Greene/MI
7/17/2023 8:55:36 AM (2382 views)

VISIONET - NON-PAYERS - Brett Ryder/NC
11/16/2021 2:40:11 PM (3082 views)
Re: VISIONET - NON-PAYERS - Brett Ryder/NC
12/1/2021 11:35:18 AM (3763 views)
Re: VISIONET - NON-PAYERS - george Hubka/MI
12/13/2021 12:25:31 PM (3469 views)
Re: VISIONET - NON-PAYERS - Sherry Greene/MI
7/17/2023 8:54:37 AM (2114 views)

NON-PAYERS Mott MacDonald - Angela Sharp/CA
11/9/2021 1:40:05 PM (2749 views)
Re: NON-PAYERS Mott MacDonald - george Hubka/MI
12/13/2021 12:27:12 PM (3547 views)

Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - Source of Title/OH
11/8/2021 9:42:02 AM (2948 views)
ALTA does it again, without support of members - Patrick Miller/LA
11/8/2021 9:42:02 AM (4720 views)
Re: ALTA does it again, without support of members - Garret  Fitzgerald/VA
11/8/2021 10:10:40 AM (4637 views)
Re: ALTA does it again, without support of members - Robert Franco/OH
11/8/2021 1:33:29 PM (4858 views)
Re: Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - Garret  Fitzgerald/VA
11/8/2021 10:14:00 AM (4578 views)
Re: Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - Robert Franco/OH
11/8/2021 1:26:30 PM (4647 views)
Re: Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - Garret  Fitzgerald/VA
11/8/2021 1:45:33 PM (4669 views)
Re: Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - george Hubka/MI
12/13/2021 12:31:09 PM (4443 views)
Re: Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - Garret  Fitzgerald/VA
12/13/2021 1:32:25 PM (4504 views)
Re: Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - george Hubka/MI
12/13/2021 6:57:49 PM (4496 views)
Re: Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - Garret  Fitzgerald/VA
12/13/2021 6:59:45 PM (4377 views)
Re: Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - Rita Killary/NY
12/20/2021 9:32:31 AM (4428 views)
Bridge to Nowhere - Judy Maclauchlan/LA
12/27/2021 9:22:04 AM (4278 views)
Home Rule/State Rule vs Federal Rule - Victoria Moate/NJ
11/23/2021 11:16:22 AM (4781 views)
Re: Home Rule/State Rule vs Federal Rule - george Hubka/MI
12/13/2021 12:37:13 PM (4585 views)
Re: Home Rule/State Rule vs Federal Rule - Garret  Fitzgerald/VA
12/13/2021 7:01:44 PM (4419 views)
Re: Home Rule/State Rule vs Federal Rule - george Hubka/MI
12/13/2021 8:55:43 PM (4411 views)
Re: Home Rule/State Rule vs Federal Rule - george Hubka/MI
12/19/2021 9:26:30 PM (4416 views)
Re: Home Rule/State Rule vs Federal Rule - Garret  Fitzgerald/VA
12/20/2021 11:18:31 AM (4219 views)

DRN , no pay. - A. Christopher Hohenfels/VA
11/5/2021 10:32:28 AM (2651 views)
Re: DRN ,partial paid, took a while - A. Christopher Hohenfels/VA
11/7/2021 8:23:17 PM (3705 views)
Re: DRN , paid in full, all ok - A. Christopher Hohenfels/VA
1/29/2022 10:43:58 AM (2899 views)




DRN any reports ? - A. Christopher Hohenfels/VA
11/5/2021 10:24:00 AM (2445 views)
Re: DRN any reports ? - Smitty Strickland/SC
11/7/2021 4:36:59 PM (3471 views)
Re: DRN any reports ? - Joyce Harper/OH
11/8/2021 10:11:24 AM (3325 views)

E&O - sharon tornes/MN
10/28/2021 10:36:46 AM (2166 views)
Re: E&O - Smitty Strickland/SC
10/30/2021 7:34:19 PM (3522 views)
Re: E&O - Jeanine Johnson/MN
12/6/2021 5:18:07 PM (3215 views)

Fee Favor.com - SUZANNE WALLACE/CA
10/26/2021 2:19:52 PM (2764 views)
Re: Fee Favor.com - DB Title Solutions/CA
10/31/2021 4:48:24 AM (3611 views)
Re: Fee Favor.com - SUZANNE WALLACE/CA
10/31/2021 9:03:38 PM (3487 views)
Re: Fee Favor.com - Paula Reynolds/FL
11/1/2021 8:38:06 AM (3724 views)
Re: Fee Favor.com - Smitty Strickland/SC
11/1/2021 4:19:06 PM (3546 views)
Re: Fee Favor.com - george Hubka/MI
12/13/2021 12:39:23 PM (3155 views)
Re: Fee Favor.com - SUZANNE WALLACE/CA
11/8/2021 11:04:43 PM (3239 views)
Re: Fee Favor.com - Rene Blevins/VA
11/8/2021 12:17:47 PM (3297 views)
Re: Fee Favor.com - SUZANNE WALLACE/CA
11/8/2021 11:05:36 PM (3270 views)
Re: Fee Favor.com - Chris Crook/GA
11/8/2021 8:57:34 PM (3529 views)
Re: Fee Favor.com - SUZANNE WALLACE/CA
12/7/2021 6:06:59 PM (3465 views)

Cook County, Illinois Title Plant - Ted Williamson/TX
10/25/2021 11:51:15 AM (2118 views)
Re: Cook County, Illinois Title Plant - Vaish S/IN
10/25/2021 12:08:51 PM (3425 views)
Re: Cook County, Illinois Title Plant - Ted Williamson/TX
10/25/2021 12:12:57 PM (3209 views)
Re: Cook County, Illinois Title Plant - Vincent Clarance/CA
10/26/2021 9:26:16 PM (3200 views)
Re: Cook County, Illinois Title Plant - Vaish S/IN
10/27/2021 2:01:03 PM (3271 views)
Re: Cook County, Illinois Title Plant - Jay Duncan/MO
10/28/2021 9:32:32 AM (3155 views)
Re: Cook County, Illinois Title Plant - Vaish S/IN
10/28/2021 9:49:45 AM (3252 views)
Re: Cook County, Illinois Title Plant - Jay Duncan/MO
10/28/2021 9:58:34 AM (3333 views)
Re: Cook County, Illinois Title Plant - SUZANNE WALLACE/CA
11/8/2021 11:08:49 PM (3127 views)
Re: Cook County, Illinois Title Plant - Robert Franco/OH
10/25/2021 12:32:54 PM (3273 views)
Re: Cook County, Illinois Title Plant - SUZANNE WALLACE/CA
11/8/2021 11:10:47 PM (2980 views)
Re: Cook County, Illinois RECORDER not Title Plant - Victoria Moate/NJ
11/16/2021 10:00:08 PM (3133 views)

TitleIT Inc - William Duncan/SC
10/21/2021 11:15:08 AM (2287 views)
Re: TitleIT Inc - SUZANNE WALLACE/CA
11/8/2021 11:13:25 PM (3070 views)

AMI Services - Marilyn Knobel/NY
10/21/2021 11:05:03 AM (2110 views)
Re: AMI Services - William Duncan/SC
10/21/2021 11:14:47 AM (3413 views)

Georgia Abstractors - Paige Dunn/GA
10/20/2021 11:47:15 PM (2060 views)
Re: Georgia Abstractors - William Duncan/SC
10/21/2021 10:54:29 AM (3537 views)

Anyone there? - William Duncan/SC
10/18/2021 9:53:23 AM (2367 views)
Re: Anyone there? - Jay Duncan/MO
10/20/2021 2:21:23 PM (3633 views)
Re: Anyone there? - William Duncan/SC
10/21/2021 10:53:15 AM (3692 views)

Requiring Full E&R for Last Owner Searches - Bruce Lutz/PA
10/4/2021 1:57:10 PM (2979 views)
Re: Requiring Full E&R for Last Owner Searches - Smitty Strickland/SC
10/4/2021 3:01:40 PM (3778 views)
Re: Requiring Full E&R for Last Owner Searches - Robert Franco/OH
10/4/2021 4:58:59 PM (3948 views)
Re: Requiring Full E&R for Last Owner Searches - Kurt deVries/FL
10/5/2021 11:45:19 AM (3749 views)
Re: Requiring Full E&R for Last Owner Searches - Smitty Strickland/SC
10/8/2021 10:54:18 AM (3620 views)
Re: Requiring Full E&R for Last Owner Searches - Bruce Lutz/PA
10/11/2021 9:47:30 AM (3554 views)
Re: Requiring Full E&R for Last Owner Searches - Leigh Attridge/MA
10/10/2021 9:14:44 AM (3549 views)
Re: Requiring Full E&R for Last Owner Searches - Alix Ott/MI
10/11/2021 8:32:16 AM (3541 views)
Re: Requiring Full E&R for Last Owner Searches - Robert Franco/OH
10/11/2021 10:29:29 AM (3690 views)
Re: Requiring Full E&R for Last Owner Searches - Alix Ott/MI
10/11/2021 11:17:30 AM (3390 views)
Re: Requiring Full E&R for Last Owner Searches - Robert Franco/OH
10/11/2021 11:49:04 AM (3531 views)
Re: Requiring Full E&R for Last Owner Searches - Garret  Fitzgerald/VA
10/11/2021 8:47:25 AM (3373 views)
Re: Requiring Full E&R for Last Owner Searches - Rene Blevins/VA
11/9/2021 8:56:21 AM (3351 views)
Re: Requiring Full E&R for Last Owner Searches - WAYNE QUICK/NC
10/11/2021 9:07:19 AM (3473 views)
Re: Requiring Full E&R for Last Owner Searches - Shannon Budziak/VT
10/11/2021 10:06:02 AM (3377 views)
Re: Requiring Full E&R for Last Owner Searches - Smitty Strickland/SC
10/17/2021 12:15:52 PM (3346 views)
Re: Requiring Full E&R for Last Owner Searches - SUZANNE WALLACE/CA
11/8/2021 11:18:42 PM (2960 views)
Re: Requiring Full E&R for Last Owner Searches - Jeanine Johnson/MN
10/11/2021 10:44:54 AM (3301 views)
Re: Requiring Full E&R for Last Owner Searches - Philip Apter/CT
10/11/2021 7:11:59 PM (3408 views)
Re: Requiring Full E&R for Last Owner Searches - SUZANNE WALLACE/CA
11/8/2021 11:20:10 PM (2869 views)
Re: Requiring Full E&R for Last Owner Searches - Paula Reynolds/FL
10/18/2021 11:46:34 AM (3297 views)
Re: Requiring Full E&R for Last Owner Searches - Larry Crooks/OH
10/19/2021 8:41:55 AM (3390 views)

Here is what is happening in the search/underwriting world (and has been for 20 years or more depending on what state you are in).

 

Data shows that an underwriter can require the follow scope of search on an Owner Policy:

1. Search from all liens and encumbrances from the last owner forward (WDD/PMM)

Extra cautious underwriters might say last TWO Owners forward.

During this search period the underwriter is looking for all items that need to be paid and released and closing (mortgages, liens, etc).

When an underwriter has evidence of an insured transaction the risk of claims for a missed lien or mortgage goes WAY down. So the time spend searching the owners before that does not bear fruit. It's simply a waste of the abstractors time.

In addition to the liens and mortgages, underwriters want to show easements, restrictions, HOA, Decs, etc on the title commitment. This is where you may have some disagreement on how far back these B2 items need to be searched for. 

One school of thought says, if the plat was recorded longer ago than the statutory search period (or customary) in that state then the abstractor does not need to conduct a further search because basically everything that affects the property in the last 42 years (Ohio Example) has been found in the last owner or last two owner search.

Others might say, we really want these B2's no matter how old they are, but as we all know that would take us back to 1900 in many places looking for things like joint driveway easements in OLD allotments, etc.  

As we all now, once you search a subdivision one time, you can save the B2s in your files and pull them out when that subdivision comes up again and slap them on the file for the customer. This is typically termed pull the plat card or pulling the subdivision base file. 

 If you do it right you will charge the customer for the 1 or 2 owner search (whichever they require) and then charge them something for the B2's. By saving and repeating the B2's you will be able to turn orders faster and charge many times for the work you did one time.

There will be LOTS of times (if the underwriter doesn't require any B2's behind the statutory/customer period where you are simply doing a 1 or 2 owner search (for a purchase) just like you would for a loan policy (refinance). And if that's the case, that's all the customer should be charged for IMO. 

 Clearly it's unreasonable for a client to think you are going to get B2's for the same price as a 1 or 2 owner search. I think most of your clients will understand that if you explain it to them.  

 While I'm employed by an underwriter, I am not speaking on behalf of the company here.

 

 

to post a reply: login - or - register


Re: Requiring Full E&R for Last Owner Searches - SUZANNE WALLACE/CA
11/8/2021 11:22:20 PM (3104 views)
Re: Requiring Full E&R for Last Owner Searches - Larry Crooks/OH
11/9/2021 8:56:05 AM (3197 views)
Re: Requiring Full E&R for Last Owner Searches - SUZANNE WALLACE/CA
11/8/2021 11:17:34 PM (2956 views)
Re: Requiring Full E&R for Last Owner Searches - Serena Stout/VA
11/15/2021 8:40:20 AM (2963 views)
Full search = full search price - Victoria Moate/NJ
11/16/2021 10:13:56 PM (3246 views)
Re: Full search = full search price - Larry Crooks/OH
11/22/2021 9:28:26 AM (3200 views)
Re: Full search = full search price - Victoria Moate/NJ
11/22/2021 1:15:33 PM (3113 views)
Re: Full search = full search price - Larry Crooks/OH
11/22/2021 1:28:28 PM (3056 views)
Re: Full search = full search price - Victoria Moate/NJ
11/22/2021 4:07:42 PM (3085 views)
Re: Full search = full search price - Larry Crooks/OH
11/22/2021 4:56:25 PM (4161 views)
Re: Full search = full search price - Victoria Moate/NJ
11/22/2021 5:25:11 PM (3140 views)
Re: Full search = full search price - Larry Crooks/OH
11/23/2021 10:24:45 AM (3153 views)
Re: Full search = full search price - Victoria Moate/NJ
11/23/2021 10:53:54 AM (2961 views)
Re: Full search = full search price - Larry Crooks/OH
11/23/2021 12:21:17 PM (2946 views)
Re: Full search = full search price - Victoria Moate/NJ
11/23/2021 3:47:04 PM (3058 views)
Re: Full search = full search price - Larry Crooks/OH
11/23/2021 4:06:42 PM (2978 views)
Re: Full search = full search price - Victoria Moate/NJ
11/23/2021 4:11:22 PM (3022 views)
Re: Full search = full search price - Larry Crooks/OH
11/23/2021 4:20:36 PM (3030 views)

Priority Title & Escrow, LLC - Smitty Strickland/SC
10/2/2021 5:26:51 PM (2326 views)


<< get older messagesget newer messages >>

DISCLAIMER: These Message Forums are un-moderated and Source of Title does not endorse the content of any of the posts. Source of Title discourages libelous comments and you, as the sole creator of the content, take full responsibility for your remarks.
Directory

The Source of Title Business directory has 8973 listed companies.

Leave feedback on a company:
SOT ID #:  learn more...
DRN Title Search
Blogs

Read other users' blogs-- or start your own!

Most Recent Blog Posts:

What Is Title Insurance & Benefits
Michael Stelzer's Blog
2026/03/14
0 comments

The Source of Title - Part I: Freedom Written, Freedom Insured
Ben DuBay's Blog
2026/02/15
0 comments

Shared Driveway Agreements
Marissa Berends's Blog
2025/12/10
0 comments

Articles

Source of Title articles help to keep you informed on the state of the title industry.

Title Resources Group Welcomes New Regional Manager
Title Resources Group, one of the nation's leading title insurance underwriters, is pleased to welcome Jalila Dado as Re...
Q1 GDP Commentary from MBA's Mike Fratantoni
“Inflation jumped higher during the quarter, with the PCE index increasing at a 4.5 percent annualized rate, up fr...
MBA Annual Report Finds Total Commercial Real Estate Borrowing and Lending Increased 40 Percent in 2025
“As capital markets conditions stabilized in 2025, there was a meaningful rebound in commercial real estate lendin...
Mortgage Applications Decrease in Latest MBA Weekly Survey
“Mortgage rates increased slightly last week, with the 30-year fixed rate rising to 6.37 percent. The increase in ...
First American Title Introduces AgentNet® Assist: Title Intelligence, an AI-Powered Document Analysis Capability
“This AI-assisted capability streamlines repetitive, time-intensive tasks, helping reduce processing time by as mu...

Search Articles:
browse...

Classifieds

Buy, sell, or trade! Browse the ads or post your own!

© 2020, Source of Title.