All guides

Every published guide, A to Z.

64 guides Page 2 of 6.

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.
Closing process · New York State
Do You Need a Real Estate Lawyer to Buy or Sell in New York?
No New York statute requires a buyer or seller to hire a real estate attorney. Why most deals use one, and what brokers and title companies cannot do.
Local requirements · Long Island
Flood Zones and Flood Insurance on Long Island: What Buyers, Lenders and Title Check
How to look up a Nassau or Suffolk property's FEMA flood zone, when lenders require flood insurance, and how flood rules affect a Long Island closing.
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.
Permits & violations · New York City
How to Check a NYC Property for Violations, Permits and Charges Before Contract
Which NYC portals show DOB violations, permits, COs, OATH summonses, HPD violations, taxes and water charges, and what each finding means at closing.
Closing process · New York State
How to File a Title Insurance Claim in New York: What Happens Step by Step
How a New York title insurance claim works: notice, proof of loss, defense, cure or payment, valuation, subrogation and DFS complaints.
Permits & violations · New York City
Legal Two-Family or Not? Reconciling DOB, DOF, HPD and the Listing Before You Buy or Lend in NYC
A NYC house listed as a two-family is only legally one if DOB records say so. How to reconcile the CO, DOF class, HPD registration and the listing.
Mortgages & liens · New York State
Lien Law Section 22 for Construction Lenders: Filing the Building Loan Contract in New York
What a NY construction lender must file under Lien Law 22: the building loan contract, the borrower's sworn statement, deadlines, and the subordination risk.
Costs & premiums · New York State
Market Value Endorsement and Extended Owner’s Coverage in New York: What They Add and Cost
What the TIRSA Market Value Endorsement and Owner's Extended Protection Policy add to a New York owner's policy, who can get them, and what they cost.
Costs & premiums · New York City
Mortgage Recording Tax in NYC and Westchester: Rates, Who Pays and How to Reduce It
NYC and Westchester mortgage recording tax rates, the lender's 0.25% share, the borrower's net rate, the $30 deduction, and how a CEMA reduces the tax.
Local requirements · New York City
Municipal Searches for Commercial Property in NYC and Westchester: The Standard Bundle and the Add-Ons
Which municipal and departmental searches are run on commercial property in NYC and Westchester, what each shows, and which ones carry real money or risk.
Closing process · Long Island
Nassau and Suffolk County Clerk Land Records: Deed Search and Recording Fees
How to search deeds and mortgages in Nassau and Suffolk County Clerk land records, and the recording, tax map verification and mortgage tax costs.