in this issue

By Lisa A. Tyler
National Escrow Administrator

Imagine coming into work Monday morning, firing up your computer, logging on and opening your email to find one that begins with, "Hi there, I came to know all of your dirty secrets." This is precisely how the day began for one employee. Read "BLACKMAIL" to find out what the rest of the message said.

A chain of title is the sequence of historical transfers of title to a property. It is a valuable tool to identify and document past owners of a property and serves as a property's historical ownership timeline. The chain runs from the present owner back to the original owner of the property.

The chain of title proved to be helpful in uncovering a forgery in a recent cash–out loan transaction. The article entitled "NO takebacks" contains all the details.

In most states, both owner's and lender's title insurance offer different types of policies or coverage from standard coverage all the way up to extended coverage. Additionally, in many instances title insurance policies can be endorsed providing additional coverage, if the property qualifies.

Discover the different types of policies and the requirements that must be met to issue them in the article entitled "TYPES of title policies."


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