RES University

Online courses, resources and answers to common questions.
Introduction to CEMA’s
E-Closings

The Pros and The Cons

Accurate Disclosing

Your Answer to Guaranteed Fees Nationwide

Title Search 101

From Search to Policy

Compliant Closings Nationwide
Cyber Security

How to Protect Your Buyer

Marketing Yourself!

From Linkedin Ads to Google Business

Cruising Through the Closing Process

What Your Client Can Expect

Common Questions

What is a title insurance reissue rate?

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What is the difference between an attorney closing state and a title state?

The Lender’s Title insurance policy protects the lender’s investment against any loss. Obtaining the policy is a condition of securing the loan. The Owner’s Title insurance policy protects the buyer from any title defects as a result of forgery, fraud, clerical errors and undiscovered liens or easements.
Title policy rates vary from state to state. For an accurate quote you can visit our guaranteed calculator by clicking on “Get a Quote” at the top of our home page or by emailing us directly at closings@res-title.com.

What is a CEMA and how do I know if I qualify?

CEMA stands for Consolidated Extension Modification Agreement and is a process specific to the state of NY that allows a borrower on a refinance to reduce the amount of mortgage taxes they are paying. The existing mortgage is rolled into the new mortgage being obtained so that taxes are only paid on the difference. Eligibility for a CEMA will depend upon a number of factors including the current lender/servicer and applicable fees.

If you have a NY refinance and would like to know if it can be consolidated to save money contact us at closings@res-title.com and our CEMA team will run an analysis for you to show you the potential savings.

What are the typical closing fees?

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Resources By State

Trustee Requirements

Required Title Endorsements

Spousal Signature Requirements

Common Closing Practices