All guides

Every published guide, A to Z.

55 guides

Closing process · New York State
1031 Exchanges and Title in New York: Vesting, Timelines and Transfer Taxes
1031 exchange rules for New York property: the 45 and 180 day deadlines, the qualified intermediary, vesting, transfer taxes and Form IT-2663.
Title basics · New York City
ACRIS Deed Search: How to Read NYC Property Records for Title
How to search ACRIS for a NYC deed, open mortgages, satisfactions and recorded liens, and which liens and charges ACRIS does not show.
Closing process · New York City
Buying a Co-op in NYC: The Lien Search, UCC Filings and Why There Is No Deed
A NYC co-op closing uses a lien search, not a title search. What it checks, how UCC-1 and UCC-3 filings work, and whether you need title insurance.
Closing process · New York State
Buying or Selling a House in Probate in New York: What Title Will Require
Selling or buying a probate or estate property in New York: the authority, estate tax release and lien clearance a title company requires.
Mortgages & liens · New York City
Checking Liens Before a NYC Foreclosure Auction: ACRIS, County Clerk, DOF, DEP, OATH, HPD and eCourts
Where a bidder checks liens on a NYC foreclosure auction property beyond ACRIS: the court file, County Clerk, DOF, DEP, OATH, HPD and federal tax liens.
Mortgages & liens · New York State
Clearing an Old or Unsatisfied Mortgage From a New York Title Report
How to clear a paid-but-unsatisfied or ancient mortgage from a New York title report: RPAPL 1921 affidavits, RPAPL 1931 and 1501(4) court routes.
Closing process · New York State
Closing Protection Letters in New York: Why They Are Not Issued and What Protects Lenders Instead
New York title insurers cannot issue closing protection letters. What protects lenders from closing-agent misconduct in a New York loan instead.
Mortgages & liens · New York State
Condo Common Charge Liens in New York: Priority, Foreclosure and What Buyers Should Check
How a New York condo common charges lien works: priority over second mortgages, the 6-year notice of lien, foreclosure, and what buyers should check.
Title basics · New York City
Deed Theft in NYC: How It Happens, How to Check ACRIS, Free Alerts and What Title Insurance Covers
How NYC owners spot a fraudulent deed in ACRIS, sign up for free recording alerts, what to do if one is recorded, and what an owner's title policy covers.
Title basics · New York City
Deeding a NYC Rental Into an LLC: Transfer Taxes, Filings, the Mortgage and Your Title Policy
Moving a NYC rental into your own LLC: the transfer tax exemptions, LLC member disclosure, due-on-sale risk on the mortgage, and title policy coverage.
Permits & violations · New York City
Do ECB/OATH Fines and HPD Charges Follow a NYC Property to the New Owner?
When an unpaid OATH/ECB penalty or HPD charge follows a NYC property to a new owner after a sale, REO purchase or foreclosure auction.
Mortgages & liens · New York State
Hard Money and Private Lender Loans in New York: Title Insurance, Usury and Closing Requirements
Hard money lender in New York? Usury caps by loan size and borrower, licensing for 1-4 family loans, lender title insurance, LLC documents and assignments.