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Closing process · New York State
Probate and Real Estate in New York: What Happens to a House When the Owner Dies
What probate is in New York, which property skips it, how a probate sale works, what drives how long probate takes, and Surrogate's Court fees.
Costs & premiums · Long Island
Property Tax Grievance in Nassau and Suffolk, and How Property Taxes Are Adjusted at Closing
How Nassau ARC appeals and Suffolk Grievance Day work, SCAR deadlines and fees, Long Island tax bill dates, and how taxes are prorated at closing.
Local requirements · Westchester County
Recording a Deed or Mortgage in Westchester: PREP Cover Pages, City Tax Receipts and Common Rejections
Recording a deed or mortgage with the Westchester County Clerk: PREP cover pages, TP-584, RP-5217, city tax receipts and common rejections.
Title basics · New York State
Removing a Deceased Spouse From a New York Deed: What You Actually Need
When a spouse dies, a New York survivor usually needs no new deed. What decides it, and what title will ask for at a later sale or refinance.
Closing process · New York State
Selling an Inherited House or Apartment in New York: What to Have Ready Before You List
Before listing an inherited New York home: who can sign, letters, death certificate, ET-117 timing, mortgage payoff, co-op steps and open permits.
Costs & premiums · New York City
The New York Title Bill, Line by Line: Premium, Searches, Endorsements and Closer Fees
What appears on a New York title bill, which charges are set by the filed TIRSA rate manual, which are ancillary fees, and which are taxes passed through.
Title basics · New York City
The Survey Exception in New York Title Insurance: Survey Readings, Inspections and How to Remove It
What the survey exception in a New York title report means, how a survey reading or inspection changes it, and what TIRSA rules say it costs.
Mortgages & liens · New York State
The Title Search Found a Lien or Judgment: What Happens Next in New York
What happens when a New York title search finds a judgment, tax lien or mechanic's lien, including hits against a prior owner or a similar name.
Costs & premiums · New York State
TIRSA Refinance Rates in Plain English: Sections 12, 12A and 12B, and Why New York Has No Reissue Rate
How New York prices a refinance loan policy: the Section 12 refinance rate, the 12A and 12B discounts, the 10-year rule, and worked Zone 2 examples.
Closing process · New York City
Title Company vs Real Estate Attorney: Who Does What at a New York Closing
What the title company, the real estate attorneys and the title closer each do at a New York closing, and where escrow funds actually sit.
Title basics · New York State
Title Insurance Claim Examples in New York: Forgery, Missed Liens, Boundaries and More
Eight New York title claim scenarios, from forged deeds to missed liens and encroachments, and how the 2021 ALTA owner's policy treats each one.
Costs & premiums · New York State
Title Insurance Endorsements in New York: What Each One Does and What It Costs
The TIRSA and ALTA endorsements used on New York owner's and loan policies: what each adds, when it is used, and its filed charge and manual section.