Hard Money Loans: Helpful Information |
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If you are purchasing a home in an area where title insurance is the method used to assure good title to the property, it is advisable to inquire about the existing title insurance policies (lender's and seller's) on the property, for it may be possible for you to obtain a policy at a reissue rate. The reissue rate is usually lower than the original rate and may be available for both lender's and buyer's policies. Reissue rates are usually limited to the reissuance of a policy on the same property by the same title company that insured title in the present owner within 10 years. Some title insurers will extend the reissue rate to policies written by other companies. Your seller will probably have the information about the date, type, and amount of any existing policy or policies that you need to support a request to the title company for the reissue rate.
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