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Avanzegroup fka Visionet?? - Alix Ott/MI
11/18/2021 12:34:01 PM (2478 views)
Re: Avanzegroup fka Visionet?? - Robert Franco/OH
11/18/2021 3:08:07 PM (2204 views)
Re: Avanzegroup fka Visionet?? - Amy Kauffman/TX
11/24/2021 12:38:34 PM (2020 views)
Re: Avanzegroup fka Visionet?? - Alix Ott/MI
11/24/2021 12:57:24 PM (2784 views)
Re: Avanzegroup fka Visionet?? - Amy Kauffman/TX
11/24/2021 2:50:15 PM (2024 views)
Re: Avanzegroup fka Visionet?? - Michael Rosing/IL
12/31/2021 8:52:03 AM (1528 views)
Re: Avanzegroup fka Visionet?? - stephen willard/OH
12/2/2021 7:59:46 AM (1913 views)
Re: Avanzegroup fka Visionet?? - Kara Foster-Morales/OH
12/3/2021 9:59:41 AM (1904 views)
Re: Avanzegroup fka Visionet?? - Frank Laisch/FL
1/10/2022 1:49:31 PM (1496 views)
Re: Avanzegroup fka Visionet?? - Michael Rosing/IL
12/27/2021 3:48:17 PM (1583 views)
Re: Avanzegroup fka Visionet?? - Michael Rosing/IL
1/2/2022 10:46:47 AM (1643 views)
Re: Avanzegroup fka Visionet?? - george Hubka/MI
1/3/2022 9:02:16 PM (1549 views)
Re: Avanzegroup fka Visionet?? - Frank Laisch/FL
1/10/2022 1:50:57 PM (1413 views)
Re: Avanzegroup fka Visionet?? - Sherry Greene/MI
7/17/2023 8:55:36 AM (482 views)

VISIONET - NON-PAYERS - Brett Ryder/NC
11/16/2021 2:40:11 PM (2070 views)
Re: VISIONET - NON-PAYERS - Brett Ryder/NC
12/1/2021 11:35:18 AM (1779 views)
Re: VISIONET - NON-PAYERS - george Hubka/MI
12/13/2021 12:25:31 PM (1569 views)
Re: VISIONET - NON-PAYERS - Sherry Greene/MI
7/17/2023 8:54:37 AM (437 views)

NON-PAYERS Mott MacDonald - Angela Sharp/CA
11/9/2021 1:40:05 PM (1552 views)
Re: NON-PAYERS Mott MacDonald - george Hubka/MI
12/13/2021 12:27:12 PM (1533 views)

Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - Source of Title/OH
11/8/2021 9:42:02 AM (1901 views)
ALTA does it again, without support of members - Patrick Miller/LA
11/8/2021 9:42:02 AM (2597 views)
Re: ALTA does it again, without support of members - Garret  Fitzgerald/VA
11/8/2021 10:10:40 AM (2453 views)
Re: ALTA does it again, without support of members - Robert Franco/OH
11/8/2021 1:33:29 PM (2627 views)
Re: Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - Garret  Fitzgerald/VA
11/8/2021 10:14:00 AM (2376 views)
Re: Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - Robert Franco/OH
11/8/2021 1:26:30 PM (2457 views)
Re: Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - Garret  Fitzgerald/VA
11/8/2021 1:45:33 PM (2471 views)
Re: Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - george Hubka/MI
12/13/2021 12:31:09 PM (2152 views)
Re: Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - Garret  Fitzgerald/VA
12/13/2021 1:32:25 PM (2195 views)
Re: Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - george Hubka/MI
12/13/2021 6:57:49 PM (2173 views)
Re: Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - Garret  Fitzgerald/VA
12/13/2021 6:59:45 PM (2124 views)
Re: Comment on "NAR Statement on the Passage of Bipartisan Infrastructure Bill" - Rita Killary/NY
12/20/2021 9:32:31 AM (2039 views)
Bridge to Nowhere - Judy Maclauchlan/LA
12/27/2021 9:22:04 AM (1956 views)
Home Rule/State Rule vs Federal Rule - Victoria Moate/NJ
11/23/2021 11:16:22 AM (2210 views)
Re: Home Rule/State Rule vs Federal Rule - george Hubka/MI
12/13/2021 12:37:13 PM (2131 views)
Re: Home Rule/State Rule vs Federal Rule - Garret  Fitzgerald/VA
12/13/2021 7:01:44 PM (2094 views)
Re: Home Rule/State Rule vs Federal Rule - george Hubka/MI
12/13/2021 8:55:43 PM (2084 views)
Re: Home Rule/State Rule vs Federal Rule - george Hubka/MI
12/19/2021 9:26:30 PM (2017 views)
Re: Home Rule/State Rule vs Federal Rule - Garret  Fitzgerald/VA
12/20/2021 11:18:31 AM (2034 views)

DRN , no pay. - A. Christopher Hohenfels/VA
11/5/2021 10:32:28 AM (1505 views)
Re: DRN ,partial paid, took a while - A. Christopher Hohenfels/VA
11/7/2021 8:23:17 PM (1887 views)
Re: DRN , paid in full, all ok - A. Christopher Hohenfels/VA
1/29/2022 10:43:58 AM (1214 views)




DRN any reports ? - A. Christopher Hohenfels/VA
11/5/2021 10:24:00 AM (1402 views)
Re: DRN any reports ? - Smitty Strickland/SC
11/7/2021 4:36:59 PM (1802 views)
Re: DRN any reports ? - Joyce Harper/OH
11/8/2021 10:11:24 AM (1689 views)

E&O - sharon tornes/MN
10/28/2021 10:36:46 AM (1208 views)
Re: E&O - Smitty Strickland/SC
10/30/2021 7:34:19 PM (1649 views)
Re: E&O - Jeanine Johnson/MN
12/6/2021 5:18:07 PM (1383 views)

Fee Favor.com - SUZANNE WALLACE/CA
10/26/2021 2:19:52 PM (1723 views)
Re: Fee Favor.com - DB Title Solutions/CA
10/31/2021 4:48:24 AM (1857 views)
Re: Fee Favor.com - SUZANNE WALLACE/CA
10/31/2021 9:03:38 PM (1783 views)
Re: Fee Favor.com - Paula Reynolds/FL
11/1/2021 8:38:06 AM (1856 views)
Re: Fee Favor.com - Smitty Strickland/SC
11/1/2021 4:19:06 PM (1832 views)
Re: Fee Favor.com - george Hubka/MI
12/13/2021 12:39:23 PM (1333 views)
Re: Fee Favor.com - SUZANNE WALLACE/CA
11/8/2021 11:04:43 PM (1550 views)
Re: Fee Favor.com - Rene Blevins/VA
11/8/2021 12:17:47 PM (1605 views)
Re: Fee Favor.com - SUZANNE WALLACE/CA
11/8/2021 11:05:36 PM (1588 views)
Re: Fee Favor.com - Chris Crook/GA
11/8/2021 8:57:34 PM (1620 views)
Re: Fee Favor.com - SUZANNE WALLACE/CA
12/7/2021 6:06:59 PM (1497 views)

Cook County, Illinois Title Plant - Ted Williamson/TX
10/25/2021 11:51:15 AM (1152 views)
Re: Cook County, Illinois Title Plant - Vaish S/IN
10/25/2021 12:08:51 PM (1665 views)
Re: Cook County, Illinois Title Plant - Ted Williamson/TX
10/25/2021 12:12:57 PM (1574 views)
Re: Cook County, Illinois Title Plant - Vincent Clarance/CA
10/26/2021 9:26:16 PM (1527 views)
Re: Cook County, Illinois Title Plant - Vaish S/IN
10/27/2021 2:01:03 PM (1585 views)
Re: Cook County, Illinois Title Plant - Jay Duncan/MO
10/28/2021 9:32:32 AM (1510 views)
Re: Cook County, Illinois Title Plant - Vaish S/IN
10/28/2021 9:49:45 AM (1574 views)
Re: Cook County, Illinois Title Plant - Jay Duncan/MO
10/28/2021 9:58:34 AM (1579 views)
Re: Cook County, Illinois Title Plant - SUZANNE WALLACE/CA
11/8/2021 11:08:49 PM (1386 views)
Re: Cook County, Illinois Title Plant - Robert Franco/OH
10/25/2021 12:32:54 PM (1586 views)
Re: Cook County, Illinois Title Plant - SUZANNE WALLACE/CA
11/8/2021 11:10:47 PM (1356 views)
Re: Cook County, Illinois RECORDER not Title Plant - Victoria Moate/NJ
11/16/2021 10:00:08 PM (1339 views)

TitleIT Inc - William Duncan/SC
10/21/2021 11:15:08 AM (1313 views)
Re: TitleIT Inc - SUZANNE WALLACE/CA
11/8/2021 11:13:25 PM (1354 views)

AMI Services - Marilyn Knobel/NY
10/21/2021 11:05:03 AM (1151 views)
Re: AMI Services - William Duncan/SC
10/21/2021 11:14:47 AM (1647 views)

Georgia Abstractors - Paige Dunn/GA
10/20/2021 11:47:15 PM (1135 views)
Re: Georgia Abstractors - William Duncan/SC
10/21/2021 10:54:29 AM (1719 views)

Anyone there? - William Duncan/SC
10/18/2021 9:53:23 AM (1455 views)
Re: Anyone there? - Jay Duncan/MO
10/20/2021 2:21:23 PM (1712 views)
Re: Anyone there? - William Duncan/SC
10/21/2021 10:53:15 AM (1752 views)

Requiring Full E&R for Last Owner Searches - Bruce Lutz/PA
10/4/2021 1:57:10 PM (1949 views)
Re: Requiring Full E&R for Last Owner Searches - Smitty Strickland/SC
10/4/2021 3:01:40 PM (1953 views)
Re: Requiring Full E&R for Last Owner Searches - Robert Franco/OH
10/4/2021 4:58:59 PM (2072 views)
Re: Requiring Full E&R for Last Owner Searches - Kurt deVries/FL
10/5/2021 11:45:19 AM (1939 views)
Re: Requiring Full E&R for Last Owner Searches - Smitty Strickland/SC
10/8/2021 10:54:18 AM (1783 views)
Re: Requiring Full E&R for Last Owner Searches - Bruce Lutz/PA
10/11/2021 9:47:30 AM (1725 views)
Re: Requiring Full E&R for Last Owner Searches - Leigh Attridge/MA
10/10/2021 9:14:44 AM (1797 views)
Re: Requiring Full E&R for Last Owner Searches - Alix Ott/MI
10/11/2021 8:32:16 AM (1705 views)
Re: Requiring Full E&R for Last Owner Searches - Robert Franco/OH
10/11/2021 10:29:29 AM (1876 views)
Re: Requiring Full E&R for Last Owner Searches - Alix Ott/MI
10/11/2021 11:17:30 AM (1685 views)
Re: Requiring Full E&R for Last Owner Searches - Robert Franco/OH
10/11/2021 11:49:04 AM (1661 views)
Re: Requiring Full E&R for Last Owner Searches - Garret  Fitzgerald/VA
10/11/2021 8:47:25 AM (1643 views)
Re: Requiring Full E&R for Last Owner Searches - Rene Blevins/VA
11/9/2021 8:56:21 AM (1605 views)
Re: Requiring Full E&R for Last Owner Searches - WAYNE QUICK/NC
10/11/2021 9:07:19 AM (1721 views)
Re: Requiring Full E&R for Last Owner Searches - Shannon Budziak/VT
10/11/2021 10:06:02 AM (1691 views)
Re: Requiring Full E&R for Last Owner Searches - Smitty Strickland/SC
10/17/2021 12:15:52 PM (1582 views)
Re: Requiring Full E&R for Last Owner Searches - SUZANNE WALLACE/CA
11/8/2021 11:18:42 PM (1289 views)
Re: Requiring Full E&R for Last Owner Searches - Jeanine Johnson/MN
10/11/2021 10:44:54 AM (1587 views)
Re: Requiring Full E&R for Last Owner Searches - Philip Apter/CT
10/11/2021 7:11:59 PM (1620 views)
Re: Requiring Full E&R for Last Owner Searches - SUZANNE WALLACE/CA
11/8/2021 11:20:10 PM (1239 views)
Re: Requiring Full E&R for Last Owner Searches - Paula Reynolds/FL
10/18/2021 11:46:34 AM (1543 views)
Re: Requiring Full E&R for Last Owner Searches - Larry Crooks/OH
10/19/2021 8:41:55 AM (1571 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.

 

 

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Re: Requiring Full E&R for Last Owner Searches - SUZANNE WALLACE/CA
11/8/2021 11:22:20 PM (1342 views)
Re: Requiring Full E&R for Last Owner Searches - Larry Crooks/OH
11/9/2021 8:56:05 AM (1396 views)
Re: Requiring Full E&R for Last Owner Searches - SUZANNE WALLACE/CA
11/8/2021 11:17:34 PM (1293 views)
Re: Requiring Full E&R for Last Owner Searches - Serena Stout/VA
11/15/2021 8:40:20 AM (1272 views)
Full search = full search price - Victoria Moate/NJ
11/16/2021 10:13:56 PM (1403 views)
Re: Full search = full search price - Larry Crooks/OH
11/22/2021 9:28:26 AM (1213 views)
Re: Full search = full search price - Victoria Moate/NJ
11/22/2021 1:15:33 PM (1215 views)
Re: Full search = full search price - Larry Crooks/OH
11/22/2021 1:28:28 PM (1233 views)
Re: Full search = full search price - Victoria Moate/NJ
11/22/2021 4:07:42 PM (1245 views)
Re: Full search = full search price - Larry Crooks/OH
11/22/2021 4:56:25 PM (2193 views)
Re: Full search = full search price - Victoria Moate/NJ
11/22/2021 5:25:11 PM (1215 views)
Re: Full search = full search price - Larry Crooks/OH
11/23/2021 10:24:45 AM (1181 views)
Re: Full search = full search price - Victoria Moate/NJ
11/23/2021 10:53:54 AM (1158 views)
Re: Full search = full search price - Larry Crooks/OH
11/23/2021 12:21:17 PM (1147 views)
Re: Full search = full search price - Victoria Moate/NJ
11/23/2021 3:47:04 PM (1195 views)
Re: Full search = full search price - Larry Crooks/OH
11/23/2021 4:06:42 PM (1155 views)
Re: Full search = full search price - Victoria Moate/NJ
11/23/2021 4:11:22 PM (1196 views)
Re: Full search = full search price - Larry Crooks/OH
11/23/2021 4:20:36 PM (1217 views)

Priority Title & Escrow, LLC - Smitty Strickland/SC
10/2/2021 5:26:51 PM (1453 views)


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LOCAL SEARCHERS (PA& EVERYWHERE)-WE PAY
June 04 2024
We are an AMERICAN production and marketplace company, working with most of the major underwriters and Seeking LOCAL independant title searcher(s) for regular work in the following PA counties:
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