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[+] Teaching someone's staff - Heidi Gemeling/FL (5 replies)
2/2/2018 2:33:16 PM (950 views)

PREMIER TITLE & ESCROW NOT PAYING - Jason Knowles/AL
1/29/2018 2:44:53 PM (892 views)

[+] Letting our consumers know there is a problem. - Kristina Leitch/MD (6 replies)
1/29/2018 10:33:54 AM (911 views)

Searchlink still not paying & salts saerches - Tracey Hicks/NY
1/24/2018 8:54:08 PM (884 views)

[-] Protection for Non-title Holding Spouses - Robert Franco/OH (10 replies)
1/19/2018 8:53:41 AM (848 views)
Re: Protection for Non-title Holding Spouses - James Powell/MI
1/19/2018 2:42:51 PM (510 views)
Re: Protection for Non-title Holding Spouses - Robert Franco/OH
1/19/2018 4:04:17 PM (499 views)
Re: Protection for Non-title Holding Spouses - Mark Rasnick/OH
1/19/2018 3:26:14 PM (492 views)
Re: Protection for Non-title Holding Spouses - Robert Franco/OH
1/19/2018 4:01:33 PM (495 views)
Re: Protection for Non-title Holding Spouses - Patrick Miller/LA
1/22/2018 8:39:20 AM (417 views)
Re: Protection for Non-title Holding Spouses - Robert Franco/OH
1/22/2018 8:13:51 PM (421 views)
Re: Protection for Non-title Holding Spouses - Patrick Miller/LA
1/23/2018 7:42:09 AM (395 views)
Re: Protection for Non-title Holding Spouses - Jeffrey Land/NJ
1/22/2018 10:21:11 AM (414 views)
Re: Protection for Non-title Holding Spouses - Robert Franco/OH
1/22/2018 8:15:23 PM (457 views)
Re: Protection for Non-title Holding Spouses - Jeffrey Land/NJ
1/22/2018 8:43:48 PM (435 views)

It’s only a problem when you have to explain it to an out of state loan processor who is only going by a short cheat sheet that says yes or no to spouse not in title on mortgage. I have to say. It depends how they answer the question. Usually an affidavit done under oath makes them more truthful. Which is why I do my start of closing with. 1. Check ID. 2. Privacy policy. 3. Right to counsel. Then 4. Owners Affidavit. If we get past that, then I start with the loan docs. Later on if they have mortgaged the family home while they are getting a divorce, we can fall back on the affidavit done under oath which indicates all is still bliss. Many lender underwriters play it safe and require the spouse on anyway. You can always add people to a mortgage or note. However you always have to have the titled owners on the mortgages at aminimum. In my other state New Jersey where a spouse not in title has to join on a refinance or sale, you can’t believe how many lenders only want one spouse on the mortgage. I have to tell them the spouse must join on mortgage, rescission documents and CD. And sometimes I have to be very firm with them. When doing exams I frequently find mortgages recorded that way. It’s a claim waiting to happen.

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[+] Off shore vs On-site Searches - William Duncan/AZ (12 replies)
1/18/2018 3:11:45 PM (1441 views)

[+] COPY COST AT GEORGIA CLERKS SITES - Heidi Gemeling/FL (2 replies)
1/13/2018 8:48:31 PM (881 views)

[+] Ameristar? - Joe Webster/CT (10 replies)
1/12/2018 5:40:21 PM (1618 views)

[+] C2C Title Services - JOSEPH EMERSON/MN (7 replies)
1/12/2018 11:25:45 AM (1666 views)

[+] Who's doing our work - F P/VA (13 replies)
1/10/2018 12:06:10 PM (1902 views)

[+] Abstractor "report cards" - Patricia Harpur/PA (16 replies)
1/10/2018 11:19:14 AM (1738 views)

[+] AMERICAN CORE TITLE-BEWARE NON PAYERS - Jason Knowles/AL (9 replies)
1/9/2018 5:21:17 PM (852 views)

[+] RYAAN TECH SOLUTIONS- NON PAYORS! - Amy May/LA (6 replies)
1/8/2018 1:00:31 PM (1027 views)

[+] Non Payment - Sandra Grover/WI (1 reply)
1/8/2018 10:11:31 AM (986 views)

[+] Abstractor looking to get in the business - michelle tucker/MD (20 replies)
1/7/2018 9:30:32 AM (1373 views)


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