Alisa L. Swerdlove Underwriting Attorney Attorneys’ Title Guaranty … · 2018. 6. 11. · 1 ATG...

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Back to Basics, Part 2: Title Agent Examination from Search through Commitment ATG LEGAL EDUCATION

Lowell KrahnATG

Chicago

Audio problems?Listen by phone: 877.691.9300Access Code: 7521231#

Alisa SwerdloveATG

Chicago

Back to Basics, Part 2: Title Agent Examination From Search through Commitment June 13, 2018

Presented by: Lowell B. KrahnSenior Underwriting AttorneyAttorneys’ Title Guaranty Fund, Inc.

Alisa L. SwerdloveUnderwriting AttorneyAttorneys’ Title Guaranty Fund, Inc.


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Search Standards

ATG Administrative Regulation No. 3– A title search must be conducted in connection with issuing a

title commitment and policy. Chain Of Title Search

Judgment and Lien Index Search

General Real Estate Tax and Special Assessment Search

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Search Standards

Searches are required prior to:– Issuing a commitment;

– Closing; Bring the effective date close to the closing date.

– Issuing a policy. Bring effective date through the recording date of deed/mortgage.


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Search Standards

Obtain Conveyance Search and Chain of Title Report of same legal description as vesting deed shows. If property was subdivided from larger parcel, also search the legal description of the larger parcel.

Search Grantor-Grantee Index in the county recorder’s office.

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Search Standards

Obtain Judgment and Lien Searches for:– Sellers;

– Corporations, LLCs, Partnerships (and the names of the partners);

– Name of the trustee and trust number; Beneficiaries of the trust if not a Land Trust;

Personal trusts do not protect against judgments against a beneficiary;

– Decedent(s) and heirs and devisees;

– Guardianship. Search name of minor or disabled adult.


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Search Standards

A Judgment and Lien search for buyers is unnecessary when the transaction has a purchase money mortgage or is a cash deal.

Obtain a Judgment and Lien search for buyers on refinances, construction loans, second mortgages, reverse mortgages, revolving lines of credit, and commercial transactions.

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Search Standards

General Real Estate Tax Search– Obtain tax search for past five (5) years.

– Search must include amount and status(i.e., paid; unpaid and due; unpaid and forfeited; unpaid and sold; not yet due and payable) for each of all five years’ installments.

– Confirm that PIN searched is correct by reviewing tax map, i.e., Sidwell map, for the legal description of the property searched.


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Search Standards

Special Assessment Search– A Special Assessment Search will be included in the general

real estate tax search.

– If the search reveals a special assessment, the search must indicate the date the special assessment was confirmed, the amount due, the total number of installments, if any, and the status of the payment.

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Search Standards

Special Service Area– Searcher must examine the tax bill for information regarding

special service areas and separately report the information, including the name or number of the special service area.

– The Ordinance creating the Special Service Area will be in your search package.


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Search Standards

Documenting the Search– Retain copies of prior title evidence, abstract, and search

report in the title file for the transaction.

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

ChicagoTitle Examination


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Illinois Department of Financial Institutions Bulletin 1-05

Title Insurance Agent Requirements– State and federal regulations require that title insurance

agents make “determinations of insurability” in order to be registered and receive fees for acting as a title agent.

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Illinois Department of Financial Institutions Bulletin 1-05

Title Insurance Agent Requirements– To comply with DFI Bulletin 1-05, ATG requires members in

the following programs to use the Title Examination (ATG Form 4115): Title Services Complete (Chicago area);

Search Plus (Champaign County and Metro East);

Advisory Commitment preparation services(NLT Title, LLC).

Seminar TitleBack to Basics, Part 2: Title Agent Examination from Search through Commitment ATG LEGAL EDUCATION


Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Title ExaminationATG Form 4115(page 1 of 4)

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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago




Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago


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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago



Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Items Needed to Complete the Title Examination

If You Have a 20-Year Search without Prior:– Title Search Request Form;

– Copy of first deed out after the creation of the subdivision or Condominium Declaration;

– Copies of all deeds, open mortgages, and other documents;

– Sidwell Map (Cook County);

– Tax Search;

– Plat;

– Tract Search;

– Judgment and Lien Search.

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Items Needed to Complete the Title Examination

If You Have a Search with Prior Title Evidence: – The search will be from the effective date of the prior policy to

the effective date of the current search;

– Plat, first deed, and twenty-year chain of title;

– Tax Search;

– Judgment and Lien Search.


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Review Chain of Title Report

Verify that search was done with correct:– Legal Description;

– Permanent Index Number (PIN);

– Party Names.

Verify that search was done for correct length of time.

Verify that you have all pertinent documents.

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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Chain of Title ReportTitle Plant Printout(page 1 of 4)



Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago


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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago




Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago


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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Title Examination


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Order Information

Fill in: – Purchase price;

– Name of lender/loan amount, if any;

– Correct name of buyer and seller;

– Add buyer’s marital status/tenancy, if known; and

– Legal description, if different from search or last deed.

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Effective Date

Date through which the county records are posted.



Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Initial Search Report(page 1 of 2)

Effective Date

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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Initial Search Report(page 2 of 2)

Effective Date


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Policies to be Issued

Proposed Insured– Insert the names of the Insureds as they are to appear on the

final policy.

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Policies to be Issued

Amount of Insurance– Typically, the purchase price for the Owner’s Policy and the

mortgage amount for the Loan Policy.


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Title is Vested In

Who is title vested in as of the Effective Date of the search?

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Verify Title Vesting

Arrange deeds in chronological order.

Check the Grantee and Grantor of each deed to determine if there are gaps in the chain of title.

The Grantee in the last deed in the chain of title should be the person or entity in whom title is vested. If not, other exceptions will need to be added.


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Verify Title Vesting

Check the legal description on all deeds; they should match exactly.

Examine the document as a whole for proper execution, notarization, and forgery.

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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Deed

September 19, 1962

Chicago Title and Land Trust u/t/a Dated February 5, 1962, and known as Trust No. 44124

to

Hanover Highlands, Inc., an Illinois Corporation.



Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Deed

January 18, 1963

Hanover Highlands, Inc.

to

Albert F. Rundquist and Eileen R. Rundquist, his wife, as joint tenants and not as tenants in common.

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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Deed

July 30, 1990

Albert F. Rundquist and Eileen R. Rundquist

to

Metin Kurubas and Elizabeth Kurubas, his wife as joint tenants.


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Legal Description

The legal description on the vesting deed, the commitment, and the deed to be insured should all match.

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Setbacks and Easements

Review the plat of subdivision, deeds, and other documents in the chain of title to determine the existence of easements and building setbacks.



Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Cook County Chain of Title

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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Collar County Chain of Title


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Plat of Subdivision

Review for:– Building Setbacks;

– Easements;

– Specific grants for utilities;

– Covenants, Conditions, and Restrictions.

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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Sample Plat of Subdivision



Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Sample Plat of Subdivision

Tree Line Conservation

Easement

25’ Building Line

10’ Public Utility

Easement

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Covenants, Conditions, and Restrictions (CCRs)

CCRs may be contained in:– Plat;

– Conveyance documents;

– “Restrictive Covenant” documents.

CCRs relate to stipulations for the use or non-use of the property, performance, or non-performance of certain acts.


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Covenants, Conditions, and Restrictions (CCRs)

Note any reverter or forfeiture provisions.

Do not raise CCRs regarding race, color, religion, sex, handicap, familial status, or national origin.– These types of restrictions are prohibited by federal law.

Other CCRs are only rarely waived.

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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Restrictive Covenants(page 1 of 5)



Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago


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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago




Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago


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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago


Paragraph 1 of this Deed:

Property can be used for school or park purposes only; property reverts to grantor if not used for school or park purposes.


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Property Index Number (PIN)

For Cook County properties, the search package will include the Sidwell map.

Check the Sidwell map to confirm that the PIN or PINs are correct.– 07-31-305-013-0000

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

07-31-305-013-0000


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

07-31-305-013-0000

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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Tax Search(page 1 of 2)



Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Tax Search(page 2 of 2)

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Chain of Title Information

Add Chain of Title paragraphs to Schedule B exceptions on the Commitment: – Plat;

– Building lines, easements, public utilities;

– Covenants, Conditions, and Restrictions (CCRs) from deed, plat, or other instruments;

– Mortgages and Trust Deeds;

– Any exceptions contained in prior policy.



Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Chain of Title For this Chain of Title, the

following paragraphs would be raised in the Title Examination:

– 2: Plat

– 3: Building line

– 4: Public Utility Easement

– 5: Public Utility Easement

– 7: Restrictive Covenants

– 10: Unreleased mortgage

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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Mortgages and Trust Deeds All unreleased mortgages

or trust deeds must be raised as exceptions.

A valid Certificate of Release is as good as a release; a Record of Payment is not.

Revolving lines of credit must be closed and paid off; specific request to close must be made.


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Chain of Title Information

Add Schedule B exceptions that are shown on the prior policy, such as: – Easements;

– Building lines;

– Public Utilities; or

– Any unreleased Mortgages and Trust Deeds.

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Additional Exceptions to be Added to Commitment


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Fraud and Forgery Exception

Right, title, and interest of [1], purported grantor in the deed recorded [2], as Document Number [3].– NOTE: This exception may be waived only by an ATG staff

attorney.

– This is known as the “fraud and forgery” exception

– ATG staff attorney must review the search.

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

ChicagoJudgment and Lien Search


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Reviewing the Judgment and Lien Search

Matters can be eliminated based on the following: – Address;

– Social Security Number;

– Statute of Limitations.

Listings that contain minor spelling variations should not be eliminated.

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

State Tax Lien Registry

On December 1, 2017, the Illinois Department of Revenue (IDOR) stopped recording Illinois State Tax Liens.

On January 1, 2018, the IDOR launched its Illinois State Tax Lien Registry.

Liens listed on the Registry after January 1, 2018, apply to all property in every county in Illinois.


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago


You can search the Registry by name, address, and SSN for individuals and by FEIN for Corporations and LLCs.

The Registry does not search similar names or addresses. For individuals, the easiest way to search is last name and SSN.

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago


If there aren’t any possible judgments or liens against the sellers, you can fill out the Illinois State Lien Registry Information (ATG Form 4235).

All that is needed is the Seller’s full name and last four digits of the SSN for an individual or the FEIN number for an entity.



Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Illinois State Lien Registry InformationATG Form 4235

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago


For money judgments, “$0.00” for the amount does not necessarily mean the judgment has been paid. Have Search pull a copy of the document to verify the amount of the judgment.

Direct hits should be listed in a specific exception.


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago


If you do not have enough information to eliminate a listing, raise Possible Judgments as an exception.

Obtain a Personal Information Affidavit.

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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Sample Judgment and Lien Search(page 1 of 3)



Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago


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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago




Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Personal Information AffidavitATG Form 3008(page 1 of 2)

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Lowell KrahnATG

Chicago

Alisa SwerdloveATG

Chicago

Personal Information AffidavitATG Form 3008(page 2 of 2)


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Select Endorsements

Contact Underwriting if you need assistance approving endorsements.

Commercial Title Services must approve all endorsements requested in connection with commercial properties.

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Additional Instructions

Provide any additional instructions to ATG regarding preparation of the title commitment.


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Additional Documents

ATG will prepare closing documents for you. Request them on page 4 of the Title Examination.

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago



Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago


Choose your preferred format: – RTF (Word)

Word allows you to customize your documents.

– PDF (Adobe Acrobat)

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago


Recommended Document Packages– Bill of Sale, Affidavit of Title, and ALTA Statement

– 1099-S, Certification of No Reporting, and Solicitation of Taxpayer ID Number


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago


Deeds– Warranty Deed;

– Trustee’s, Administrator’s, or Executor’s Deed;

– Quitclaim Deed.

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago


Affidavits– Joint Tenancy

– Tenancy by the Entirety

– Personal Information

– Foreign Transferor


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago


Miscellaneous:– Power of Attorney

– Agency Escrow Disbursement Agreement

– Legal Description

– Request for Water and/or Zoning Certification (Chicago)

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago


Other:– Certification of Trust

– Illinois State Tax Lien Registry Information

– Cook County Zoning Application

– Stamp Applications

– Signature pages for CD/ALTA Statements


Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Signature

ATG Member-Agent (not staff) must sign and date Title Examination (ATG Form 4115) and return to ATG.

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Lowell KrahnATG

Chicago


Alisa SwerdloveATG

Chicago

Underwriting Help

For underwriting help, call:800.252.0402 or

312.752.1990

TITLE EXAMINATION

ATG FORM 4115 © ATG (REV. 9/17)

FOR USE IN: IL Page 1 of 4

Complete the following information and return to ATG® by fax or e-mail to the appropriate office:

Chicago Area .................... 312.224.0203 [email protected] Downstate Illinois ............. 217.352.4909 [email protected]

Order No.: Agent:

File No.:

ORDER INFORMATION

At the time of the initial order, you supplied the information filled in below. If any of this information is incorrect or incomplete, please fill in.

Purchase Price:

First Lender: Loan Amount:

Second Lender: Loan Amount:

BUYER/SELLER INFORMATION

Last Name First Name M.I.

Seller(s):

Buyer(s):

BUYER’S MARITAL STATUS AND TENANCY

Married Tenants by the Entirety

Unmarried Joint Tenants

Tenants in Common

PROPERTY INFORMATION

Address: County: Type:

City, State, Zip: P.I.N.:

Legal Description:



TITLE EXAMINATION

1. Effective Date:

2. Policies to be issued:

Owner’s Policy Proposed Insured: Buyer Other: Amount of Insurance: Purchase Price Other: First Loan Policy Proposed Insured: Lender Other: Amount of Insurance: Loan Amount Other: Second Loan Policy Proposed Insured: Lender Other: Amount of Insurance: Loan Amount Other:

3. Title is vested in: Grantee in Document No.: Other:

4. The legal description is:

As shown in Document No.: Attached.

5. Setbacks/Easements:

Building setback line(s): Size: feet; Location: line of the property; Created by: Plat Document No.: Easement(s): Size: feet; Location: line of the property; Purpose: Created by: Plat Document No.:

6. The tax and PIN information in the Chain of Title: Is correct Should be:

7. The following numbered Chain of Title paragraphs should be included as Schedule B exceptions on the title commitment.

(If another search company is used, provide a copy of the search and circle the items to be included as exceptions on the commitment.)

8. The following numbered exceptions from the prior policy sent with the Chain of Title should be included as Schedule B exceptions on the title commitment.



9. Include the following as exceptions in the title commitment. (For a complete description of each exception and its full language, consult the ATG Underwriting manual or the ATG REsource Exception Library Manual.)

Bankruptcy Creditor’s Rights Statutory Powers Broker’s Lien Commercial Property Condominium Construction (New) (Rehab) Cooperative Corporation – Domestic Active Dissolved Corporation – Foreign Decedent’s Estate Name: General Joint Tenant No Probate Supervised Administration Independent Administration Probate Estate Case No.: Divorce (provide judgment) Homeowner’s Association Homestead (release by spouse or civil union partner) Judgments Possible; Against: Recorded; Document No.: Leaseholds – Unrecorded

L.L.C. Municipal Transfer Tax/Municipal Inspection None Tax Applies City: Partnerships General Limited Predatory Lending Pilot Program Recent Sale/Forgery (Check if title has transferred within

the 12 months prior to the effective date.) Sale File: 1099 and Illinois Policy Tax Transfer on Death Instrument Beneficiary: Trust General Trust Land Trust Living Trust Zoning Certificate (City of Chicago) (Complete the Request for Water and/or Zoning

Certification (ATG Form 4027) to order through ATG. Request form will be provided with commitment.)

Water Certificate (City of Chicago) (Complete the Request for Water and/or Zoning

Certification (ATG Form 4027) to order through ATG. Request form will be provided with commitment.)

Zoning Certificate (Unincorporated Cook County)

10. The following endorsements have been approved for policy:

Comprehensive (Loan Policy Only) EPL (Loan Policy Only) Condominium Location (Loan Policy Only)

ARM (Loan Policy Only) Standard Exception Waiver (Owner’s Policy Only) Inflation (Owner’s Policy Only) Other:

11. Provide any further instructions necessary for preparation of the title commitment:



ADDITIONAL DOCUMENTS

In addition to the commitment package, please send the following documents:

No Additional Documents

NOTE: The Commitment Package includes the Commitment cover, Schedules A and B, Attorney-Title Agent Disclosure, Disclosure Statement – Controlled Business Arrangement, Privacy Policy Notice, and Invoice for Title charges.

Preferred Format

RTF (Word) PDF (Adobe Acrobat Reader required)

Recommended Document Packages

Bill of Sale, Affidavit of Title, and ALTA Statement

1099-S, Certificate of No Information Reporting, and Solicitation of Taxpayer ID Number

Deeds

Quitclaim Deed in Trust Quitclaim Deed Warranty Deed – Joint Tenancy

Warranty Deed in Trust Special Warranty Deed Warranty Deed – Tenancy by the Entirety

Trustee’s Deed Special Warranty Deed – FNMA Warranty Deed – Corporation

Administrator’s Deed Warranty Deed – Individual to Individual Warranty Deed – Individual to Corporation

Executor’s Deed Warranty Deed – Tenants in Common Warranty Deed – LLC

Affidavits

Joint Tenancy Affidavit Tenancy by the Entirety Affidavit Foreign Transferor Affidavit – Individual

Affidavit in Lieu of Survey Personal Information Affidavit Foreign Transferor Affidavit – Entity (Downstate Illinois Property)

Miscellaneous

Power of Attorney Agency/Escrow Disbursement Agreement

Legal Description ATG-Assisted Closing Request

Request for Water and/or Zoning Certification (Chicago Property)

Other (Please specify.)

The undersigned certifies that he or she has reviewed the prior policy (if any), search report, Chain of Title, judgment and lien search, tax information, and title documents on this file and has relied on those items and other personal information to make these directions.

Signature of Member Date

ILLINOIS STATE LIEN REGISTRY INFORMATION


FOR USE IN: IL

Please provide Attorneys’ Title Guaranty Fund, Inc., (ATG®) with the following information so that a search may be conducted of the Illinois Department of Revenue Database pursuant to The State Tax Lien Registration Act (35 ILCS 750/1-20).

Send completed form to the search provider. (If ATG is the search provider, send completed form to [email protected])

Date: File No.: Member No.:

Property Address: City, State, Zip:

Seller: SSN (Last 4 digits) or FEIN (in full):

Seller: SSN (Last 4 digits) or FEIN (in full):

Buyer: SSN (Last 4 digits) or FEIN (in full)*:

Buyer: SSN (Last 4 digits) or FEIN (in full)*:

* Non-purchase money mortgage transactions only.

NOTE:

This form does not replace the need for a Personal Information Affidavit in the event that possible judgments against the seller are identified and raised on the Title Commitment.

Ensure encryption or password protection is utilized when transmitting Non-Public Personal Information (NPI) electronically. Alternatives to encryption, such as password protection (e.g., Adobe PDF password protection) of files or transmission by facsimile, are acceptable forms of protecting information.

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