State Resources

Your resource for title requirements in all 50 states. At Res/Title, we specialize in multi-state transactions whether it is a purchase, refi, equity or commercial. Our experienced and educated staff has you covered from available reissue rates, attorney requirements, community property states or any of the specific state nuances across the nation.

Regina Braga

Chief Operating Officer
401-773-2085 @ rbraga@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Refi: Yes
Purchase: No

Attorney Requirements - Yes - for title opinions

Trustee State - N/A

Required Endorsements - Determined by lender requirements

State Notes - Sales agreements determine the responsibility of closing costs between buyer and seller

Regina Braga

Chief Operating Officer
401-773-2085 @ rbraga@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, may use RES/TITLE

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary or transfer taxes on conveyances

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes, unless the property was acquire by one spouse before the marriage

Attorney Requirements - None

Trustee State - Yes, may use RES/TITLE

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary or transfer taxes on conveyances

Regina Braga

Chief Operating Officer
401-773-2085 @ rbraga@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, must be lender representative

Required Endorsements - Determined by lender requirements

State Notes - Seller typically pays for owner's policy and may determine title provider

Regina Braga

Chief Operating Officer
401-773-2085 @ rbraga@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, any party may act as trustee

Required Endorsements - Determined by lender requirements

State Notes - Sales agreement determine the responsibility of closing costs and fees between buyers and sellers

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes; the non-title spouse has to sign only if there is a recorded declared homestead

Attorney Requirements - None

Trustee State - Yes, public trustee by county

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Seller typically pays for owner's policy and may determine title provider

Lisa Roberts, Esq.

CT Managing Attorney
203-441-5472 @ lroberts@res-title.com

Reissue Rate Available - Yes Automatic

Spousal Signature Requirements - No

Attorney Requirements - Yes - for closings and issuance of title

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Second witness required on recordables; CT Attorney required for closing and issuance of title policy

Sellers Suitable Housing Contingency Real Estate Purchase Contract Real Estate Purchase and Sales Agreement Property Inclusions Exclusions Mold and Mold Forming Condition Disclosure Change in Dates for Contingencies Execution Performance Extension Buyers Sale of Home Contingency Kick-out Clause Termination of Purchase and Sale Agreement Connecticut Conveyance Tax Form

Brooke Solomon

Director of National Business Development
484-792-9094 @ bsolomon@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - No

Attorney Requirements - Yes - for closing and disbursement

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - DE Title policies require payment of CPL fee of $125; DE attorney required for closing and disbursement

Brooke Solomon

Director of National Business Development
484-792-9094 @ bsolomon@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - No

Attorney Requirements - None

Trustee State - Yes, any party may act as trustee

Required Endorsements - ALTA 8.1

State Notes - Buyers may pay for additional taxes per sales agreement

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - Yes - tiered rate based on date of prior policy

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Intangible Mortgage Tax charged on all transactions; QuitClaim Deeds require 2 witnesses

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - No

Attorney Requirements - Yes - for closing and disbursement

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Intangible Mortgage Tax charged on all transactions; GA attorney required for closing and disbursement; Second Witness required for signing

Regina Braga

Chief Operating Officer
401-773-2085 @ rbraga@res-title.com

Reissue Rate Available - No

Spousal Signature Requirements - No

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - Determined by lender requirements

State Notes - Sellers pay for title search costs and conveyance taxes

Regina Braga

Chief Operating Officer
401-773-2085 @ rbraga@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, must be lender representative

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary or transfer taxes on conveyances

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - No

Spousal Signature Requirements - Yes

Attorney Requirements - Customary but not required

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Sellers typically pay for owner's title per agreement; IL attorney must prepare documents; State Policy fee of $3 charged on every transaction

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - No

Spousal Signature Requirements - No

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - There are typically no documentary, mortgage or transfer taxes; State Policy fee of $5 charged on every transaction

Regina Braga

Chief Operating Officer
401-773-2085 @ rbraga@res-title.com

Reissue Rate Available - No

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - Determined by lender requirements

State Notes - Title Insurance handled by domestic title companies only

Regina Braga

Chief Operating Officer
401-773-2085 @ rbraga@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - Determined by lender requirements

State Notes - Many land titles stem from Native American origins and must go before commission for approval

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - KY attorney required for closing; Sales agreements determine responsibility of title insurance premium; Policies require CPL fee of $50

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes; unless the property is the separate property of the spouse then no.

Attorney Requirements - Yes - for title opinions

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - There are typically no mortgage or transfer taxes; LA attorney certifice of title required on all title reports

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - No

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - ALTA 8.1, SECONDARY MARKET, ALTA 9

State Notes - ME Attorneys customarily conduct closings; Survey affidavit required on all closings if survey not provided

Brooke Solomon

Director of National Business Development
484-792-9094 @ bsolomon@res-title.com

Reissue Rate Available - Yes, referred to as "discounted rate"

Spousal Signature Requirements - No

Attorney Requirements - None

Trustee State - Yes, any natural person can serve as trustee

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Mortgage recordation tax charged on all transactions; First time home buyers receive discounted tax rates if eligible

Jennifer Daniel, Esq.

MA State Managing Attorney
5089483316 @ jdaniel@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - Yes - for closing and sales agreements

Trustee State - N/A

Required Endorsements - ALTA 8.1, SECONDARY MARKET, ALTA 9

State Notes - MA attorneys required for closing and disbursement; Plot plans required on all purchases

Smoke COVID MA COVID-19 Addendum no Penalty MA USE & OCCUPANCY Blank MA TRID Rider MA Title V Rider MA Seller P&S Blank MA RELEASE OF DEPOSIT MA Master Condo Addend. MA Master Addendum MA

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Sales agreement determine the responsibility of closing costs and fees between buyers and sellers

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Deeds of trust authorized as well as mortgages

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - Yes - for title opinions

Trustee State - Yes, may use RES/TITLE

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - MS attorney required for certification of title

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, may use RES/TITLE

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary or transfer taxes on conveyances

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, must be lender representative

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary or transfer taxes on conveyances

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, must be lender representative

Required Endorsements - Determined by lender requirements

State Notes - Buyers and sellers split escrow and closing costs

Regina Braga

Chief Operating Officer
401-773-2085 @ rbraga@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, may use RES/TITLE

Required Endorsements - Determined by lender requirements

State Notes - Escrow process similar to CA

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - ALTA 8.1, SECONDARY MARKET, ALTA 9

State Notes - Purchase transactions require additional deed tax forms to be executed by seller and buyer

Alicia Sandoval

NJ Attorney
484-572-3300 @ asandoval@res-title.com

Reissue Rate Available -

Spousal Signature Requirements - Refi: Yes
Purchase: No

Attorney Requirements - Customary but not required

Trustee State - N/A

Required Endorsements - ALTA 8.1, SECONDARY MARKET, ALTA 9

State Notes - Title and settlement fees restricted by NJ Title Insurance Association

Regina Braga

Chief Operating Officer
401-773-2085 @ rbraga@res-title.com

Reissue Rate Available - No

Spousal Signature Requirements - Refi: Yes
Purchase: No

Attorney Requirements - None

Trustee State - Yes, may use RES/TITLE

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary, mortgage or transfer taxes

Jarrel Guerrero, Esq.

NY State Manager
646-409-6284 @ jguerrero@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - No

Attorney Requirements - Customary but not required

Trustee State - N/A

Required Endorsements - TIRSA 8.1, TIRSA GNERAL ENDORSEMENT, RESIDENTIAL MORTGAGE, TIRSA WAIVER OF ARBITRATION

State Notes - CEMA transaction eligibility provides discounted recording tax for borrowers; savings determinative of remaining existing debt and availability through previous lender for CEMA

Brooke Solomon

Director of National Business Development
484-792-9094 @ bsolomon@res-title.com

Reissue Rate Available - No

Spousal Signature Requirements - Refi: Yes
Purchase: No

Attorney Requirements - Yes - for closing and title opinions

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Sales agreements determine the responsbility of the survey procurement

Regina Braga

Chief Operating Officer
401-773-2085 @ rbraga@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - Yes - for title opinions

Trustee State - Yes, may use RES/TITLE

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary, mortgage or transfer taxes

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - No

Spousal Signature Requirements - Yes

Attorney Requirements - Customary but not required

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Sales agreement determine the responsibility of closing costs and fees between buyers and sellers as well as the settlement agent for the transaction

Regina Braga

Chief Operating Officer
401-773-2085 @ rbraga@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - Determined by lender requirements

State Notes - Sales agreement determine the responsibility of closing costs and fees between buyers and sellers

Brooke Solomon

Director of National Business Development
484-792-9094 @ bsolomon@res-title.com

Reissue Rate Available - Yes - referred to as "discounted rate"

Spousal Signature Requirements - No

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - PA 100, PA, 300, PA 900

State Notes - Policies require CPL fee of $125; Borrowers exempt from transfer taxes on a deed if Grantor & Grantee are related by husband/wife; parent/child or siblings

Steve Cunha, Esq.

National Title Attorney
401-285-7400 @ scunha@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - No

Attorney Requirements - Yes - for title opinions

Trustee State - N/A

Required Endorsements - ALTA 8.1, ALTA 9, SECONDARY MARKET, SURVEY DELETION

State Notes - Must be on record before disbursement

Form B 107 RI 2015 NRRE Instructions RI Trust Cert RI Temp RI Residency Affidavit RI Quit Claim DEED RI Purchase and Sale RI extension TO PURCHASE AND SALES AGREEMENT RI CONSENT RI CERTIFICATE OF INCUMBENCY RI 2015 Election Form RI Cert of Authority RI ASSIGNMENT OF CONTRACT template RI

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - No

Spousal Signature Requirements - No

Attorney Requirements - Yes - for closing and title opinions

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - SC attorney required for closing as well as certification of title; Second witness required on recordables

Regina Braga

Chief Operating Officer
401-773-2085 @ rbraga@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - Yes - for title opinions

Trustee State - N/A

Required Endorsements - Determined by lender requirements

State Notes - All land property platted in lots rather than metes and bounds; Any person having unbroken chain of title for 22 years automatically certified with marketable title free of defects

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - No

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes - trustee must be resident of state or incorporated in state

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Mortgage recordation tax charged on all transactions

Bridgette Welsh

TX Escrow Officer
972-853-6266 @ bwelsh@res-title.com

Reissue Rate Available - Rates based per county

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - Determined by underwriter requirement in county

State Notes - Transactions in which the borrower receives cash out or funds must close at an attorney or title agent's office

Regina Braga

Chief Operating Officer
401-773-2085 @ rbraga@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - No

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary or transfer taxes on conveyances

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Refi: Yes
Purchase: No

Attorney Requirements - Customary but not required

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Closings typically handled by VT attorney

Brooke Solomon

Director of National Business Development
484-792-9094 @ bsolomon@res-title.com

Reissue Rate Available - Yes, automatic

Spousal Signature Requirements - No

Attorney Requirements - None

Trustee State - Yes - VA residents must act as trustee

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Must be on record before disbursement; Mortgage recordation tax charged on refinances based on "new" money amount

Regina Braga

Chief Operating Officer
401-773-2085 @ rbraga@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - None

Trustee State - Yes, must be lender representative

Required Endorsements - Determined by lender requirements

State Notes - Sellers generally pay for title insurance premiums

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - Yes - for closing and disbursement

Trustee State - Yes, may use RES/TITLE

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - WV attorney required for closing

Laura Paolino

Director of National Business Development
401-632-8948 @ lpaolino@res-title.com

Reissue Rate Available - Yes, within 10 years

Spousal Signature Requirements - Refi: Yes
Purchase: No

Attorney Requirements - None

Trustee State - N/A

Required Endorsements - ALTA 8.1 & ALTA 9

State Notes - Sales Agreement will indicate agent that is handling title and owner's policy

Regina Braga

Chief Operating Officer
401-773-2085 @ rbraga@res-title.com

Reissue Rate Available - Yes

Spousal Signature Requirements - Yes

Attorney Requirements - Yes - for title opinions

Trustee State - Yes, may use RES/TITLE

Required Endorsements - Determined by lender requirements

State Notes - There are typically no documentary or transfer taxes on conveyances