12.15.06
Posted in Education, Land Title Technical Stuff, Regulation of Insurers and Banks, Value of a title searcher at 6:26 pm by Jeanne
From: Dearborn Real Estate Education [mailto:realestate@dearborn.com] Sent: Wednesday, December 06, 2006 2:50 PM
To: Melissa Kleeman
Subject: Build Your Client Base in a Softening Real Estate Market
Add Value by Offering Education to Agents with a Turnkey Course -Title Insurance for Real Estate Professionals
Looking for ways to have agents and brokers switch their alliances to you and your members? Give them a reason. Show them you truly know the Title Insurance business not just with the products you sell, but with the industry knowledge you possess.
Dearborn Real Estate Education, the leading publisher in real estate training for nearly 50 years, has created Title Insurance for Real Estate Professionals, a basic overview of the industry, giving you one more way to do just that.
Created as a course-in-a-box, Title Insurance for Real Estate Professionals is available with everything from booklets for students to instructor resources with PowerPoint slides from which to teach, including suggested topics and time per subject, and more, all designed as a “non- commercial” way to build relationships with real estate professionals.
The course was designed to be taught for real estate continuing education credit,* or as an educational seminar that can be given in a “lunch and learn” type setting. Spend quality time educating agents, establish yourself as an industry expert and then add a few minutes at the beginning or end of the course to tell them about the benefits of your organization.
Written by industry expert Jeanie W. Johnson, the course takes fundamentals and applies them to real life closing and title scenarios. When completed, professionals will be able to:
Explain what title insurance does and does not do
Identify red flag title issues for customers when they are listing, selling, mortgaging and closing property
Explain title work in plain English to agents, sellers, buyers and borrowers
Explain how liens and encumbrances legally attach to property
Determine how to remove unwanted items on title
Follow how title companies investigate and put together title work
Explain how title companies protect themselves and their customers from mishandling of closing funds, fraud, forgery, and a host of title issues
Jeanine W. (Jeanne) Johnson worked for over twenty- five years as a real estate agent and closer, then as an abstractor, closer, examiner, and Vice President of Old Republic National Title. She has authored a number of books, most notably Principles of Abstracting and Land Records Management; Title Examination for Title Insurers; Reading and Drawing Legal Descriptions; and most recently Title Insurance for Real Estate Professionals. She currently authors, consults, conducts seminars, and speaks at conventions and association meetings.
To learn more about offering this course in a box, and about bulk discounts, call your account representative at (800) 621-9621.
*In order to offer an approved continuing education course for credit, the course and instructors must be approved by the state in which the course is being offered. For information on how to do this, contact your account rep or state real estate commission.
————————————————————————
email: realestate@dearborn.com
phone: 800-621-9621
web: http://www.dearbornre.com
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12.04.06
Posted in Land Title Technical Stuff, Money and Finance at 2:55 pm by Jeanne
Because your credit rating now affects how much you pay for your insurance policy, the U S Supreme court has been asked to rule on whether or not the consumer must be notified that s/he is being charged a higher insurance premium because of her/his credit rating. The issue is “Does charging a higher rate to consumers with a poor credit rating fall under the protection and rules of the Fair Credit Reporting Act (FCRA?)
Read the latest at: http://www.insurancejournal.com/news/national/2006/11/29/74615.htm
see also the blog article “Do you have a clue how your credit rating affects your insurance premium?”
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11.03.06
Posted in Land Title Technical Stuff at 11:09 am by Jeanne
The new article in Forbes Magazine can be viewed for free, if you are willing to register, at
The article appears to focus on a non-existent title business of the future. While it is true that on-line title records provide a benefit to title searchers, insurers and the public at large, the article does not recognize the fact that there are over 3,000 counties in the U.S. where land records need to be searched; that the vast majority of these counties have little or no online records,certainly not enough to glean the years worth of information that is necessary to determine easements on the property, restrictions, etc. And besides searching the Recorders Offices, there are District Courts, Federal Courts, Circuit Courts, Probate and Divorce Courts, Tax and Assessment Records, and Dozens of other locations that only an experienced abstractor/ title professional know how to deal with.
Please read the article and share your thoughts on the industry.
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11.01.06
Posted in Land Title Technical Stuff at 4:44 pm by Jeanne
Hello Jeanne!
I seem to recall that you had a projection using quarter quarter numbers as a geo-code to identify where tax parcels are located, but I cannot find it in my materials. Do you recall seeing or having such an animal? Would you please share? I have an Anoka County property with PID of 11-32-22-21-0006. I could have sworn this was NW ¼ of NE ¼, but is it actually NE ¼ of NW ¼?
Jay Delveaux
Title Examiner
Trusted Solutions Title
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08.02.06
Posted in Judgment Searches, Land Title Technical Stuff at 3:50 pm by Jeanne
Jeanne, Just a question/comment on judgment searches. My office searched a name on two separate ocassions and by two different abstractors . Our worksheet indicates that the named was searched in July of 2005 and again approx 2 weeks later. Each time this name was searched at the County Court Administrator’s public terminal, the name showed “no judgments”. A commitment was prepared by an attorney last month in preparation of a sale and a judgment came up which should have appeared on the prior two searches previously done by this office. I am perplexed because we understand the implications in missing a judgment and are very careful. In addition, I can almost see missing a name once, buy not twice and by two different competent researchers. I have not talked with the County Court Administrator yet because she is on vacation, but just thought maybe I’d contact you as to how to handle this situation. I am willing to pay the judgment, however, it is considerable - $5,000.00. Could Court Administration have noticed that this judgment was not entered into their system and placed in in after we had checked the name in July of 2005? Anyway, I want to protect myself in the future. I’m thinking that I would like to obtain a print out from Court Administration showing that the name was actually searched, spelled correctly, and all possible deviations of the name was searched. I, of course, have the office “work product” showing how the name was searched, but I don’t think that is sufficient evidence to prove we searched accurately. Is it unrealistic for me to ask that Court Administration give us the ability to prove our searches thru their system? Thanks for your thoughts.
Sue Nielsen Kanabec County Abstract Co., Inc.
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