Zwiren Title Blog
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The History of Title Insurance
Prior to title insurance, purchasing real estate was a much riskier venture. When land was purchased, buyers assumed it was free of any title rights, interests, liens or encumbrances that would interfere with their claim once the transaction was complete. The risk of losing property due to unresolved issues was significant. If unresolved issues caused problems, the borrower or lender would have to prove legal negligence in order to collect damages from the conveyancer for his or...
Identifying Spoofed Emails
Spoofed emails are more challenging to spot because the messages look like they are actually coming from a known, trusted party. In real estate transactions, scammers will use transaction specific information gained from studying prior emails, to craft spoofed emails that are difficult to identify. When Scammers choose who, within the transaction, they want to impersonate, the will study the prior emails written by that person and note any key words and phrases often used. The...
Discharge of Mortgage by Affidavit of Payment
Discharge of Mortgage by Affidavit of Payment
Discharging a mortgage of record is an integral part of the post-closing process for clearing a title. After receiving payment in full, an owner or holder of mortgage is legally required by N.J.S.A. 46:18-11.2 and N.J.S.A. 17:11C-34d;-82f(3) to have a mortgage canceled of record within 30 days of satisfaction; however, there are instances when a holder of mortgage does not complete their duty, for reasons unbeknownst to us. When a mortgage remains on record 30 days after satisfaction and...
Title Vesting: Knowing How to Take Title
Title Vesting: Knowing How to Take Title
When purchasing property, the manner in which title is vested is an important decision which sets a plan for what happens to each owner's interest in the property when they pass. When more than one buyer is involved in purchasing property, how they take title is an important decision to have. When two or more buyers take title together, it is a co-tenancy; however, there are different options for...
Liens and Their Releases - In the County
Liens and Their Releases - In the County
When buying property, it's important to be aware of any liens that may be attached to it. A lien is a legal claim on a property, usually as a result of an unpaid debt or obligation. Liens can affect a home buyer's interest in a property and can cause financial and legal issues if not properly addressed prior to purchasing the property. Liens can be placed on a property for a variety of reasons...
Zwiren Title Blog
Search by Category:
The History of Title Insurance
Prior to title insurance, purchasing real estate was a much riskier venture. When land was purchased, buyers assumed it was free of any title rights, interests, liens or encumbrances that would interfere with their claim once the transaction was complete. The risk of losing property due to unresolved issues was significant...
Identifying Spoofed Emails
Spoofed emails are more challenging to spot because the messages look like they are actually coming from a known, trusted party. In real estate transactions, scammers will use transaction specific information gained from studying prior emails, to craft spoofed emails that are difficult to identify...
Discharge of Mortgage by Affidavit of Payment
Discharge of Mortgage by Affidavit of Payment
Discharging a mortgage of record is an integral part of the post-closing process for clearing a title. After receiving payment in full, an owner or holder of mortgage is legally required by N.J.S.A. 46:18-11.2 and N.J.S.A. 17:11C-34d;-82f(3) to have a mortgage canceled of record within 30 days of satisfaction; however...
Title Vesting: Knowing How to Take Title
Title Vesting: Knowing How to Take Title
When purchasing property, the manner in which title is vested is an important decision which sets a plan for what happens to each owner's interest in the property when they pass. When more than one buyer is involved in purchasing property, how they take title is an important decision to have. When two or more buyers take title together, it is a co-tenancy; however, there are different options for...
ALTA 19-06 & 19.1-06
Contiguity
This endorsement is typically requested when the insured Land contains multiple parcels comprising one overall project or site. It pr...
1928
Map of New Jersey
Map of Electric Companies Operating in New Jersey
Legal Descriptions
A [legal] description identifies the land being conveyed in a particular instrument, used to indicate the delineation of boundaries, which separate a given parcel from the surro...
Augmented Reality
Augmented Reality (AR) is a technology that has gained immense popularity in recent years, offering a revolution-ary way to seamlessly integrate digital informatio...
ALTA 5-06 & 5.1-06
Planned Unit Development
This endorsement provides coverage against loss or damage resulting from certain risks related to planned uni...
1913
Map of New Jersey
Road Map of the State of New Jersey from 1913
Easements
An easement is a non-possessory right to enter and use land in the possession of another and obligates the possessor not to interfere with the uses authorized by...
Unlocking the Power of QR Codes
QR Codes, short for "Quick Response code", have become ubiquitous in our digital age, facilitating a wide range of applications from marketin...
ALTA 25-06 & 25.1-06
Same as Survey &
Same as Portion of Survey
This endorsement may be issued on owner's and loan policies for commercial or ...
1909
Map of New Jersey
Road Map of the State of New Jersey from 1909
Liens and Their Releases (In the State)
When buying property, it's important to be aware of any liens that may be attached to it. A lien is a legal claim on a property, usually as a result...
The Dark Side of Generative A.I.
Generative AI is a type of artificial intelligence tech- nology that uses machine learning to create text, video and images that appear re...
ALTA 9.10-06: Restrictions, Encroachments, Minerals - Current Violations
This endorsement may be issued on loan policies for c...
1900
Map of New Jersey
Geological Survey of
New Jersey from 1900
Liens and Their Releases (In the County)
When buying property, it's important to be aware of any liens that may be attached to it. A lien is a legal claim on a property, usually as a result...
Generative A.I. What is it, How does it work, & more
Generative AI is a type of artificial intelligence tech- nology that uses machine learning to create new and...
ALTA 37-06: Assignment of Rents
or Leases
This endorsement may be issued on loan policies for improved or unimproved properties whether commercial or reside...
The Enhanced Policy
For residential home buyers purchasing an Owner's Title Policy, there is an option to purchase a policy with standard coverage or a policy with enhanced coverage. The En...
Bluetooth Technology
Bluetooth technology is an extremely effective tool that allows users to connect wirelessly to other Bluetooth enabled devices. For those who are unaware, Bluetooth is a technology that enables th...
ALTA 4.1-06: Condominium -
Current Assessments
This endorsement provides coverage against loss or damage from certain condo- minium-related risks. It ma...
1890
Map of New Jersey
Township Map of
New Jersey
Title Vesting: Knowing How to Take Title
When purchasing property, the manner in which title is vested is an important decision which sets a plan for what happens to each owne...
Lawyer Well-Being
Well-being is a priority for lawyers that can no longer be ignored. The National Task Force on Lawyer Well-Being acts on behalf of lawyers who are functioning below their...
ALTA 6-06: Variable Rate Mortgage
This endorsement may only be issued on Loan Policies for commercial or residential properties and land that is improved or unimproved. I...
1878
Map of New Jersey
The State of New Jersey: Surface Geology
The Inter-Underwriter Indemnification Agreement
As title agents review searches and prepare commit-ments for their transactions, there are oftentimes title is...
National Data Privacy Day: Jan 28, 2023
Companies collect personal information from users each time they visit a website, set up an online account, or use internet connected devices...
ALTA 28-06: Easement - Damage or Enforced Removal
This endorsement is available for both owner's and loan policies. It is intended for use on improved commercial or...
1872
Map of New Jersey
Outline Map of New Jersey for Schools - 1872
The History of
Title Insurance
Prior to title insurance, purchasing real estate was a much riskier venture. When land was purchased, buyers assumed it was free of any ...
Identifying Spoofed
Emails
Spoofed emails are more challenging to spot because the messages look like they are actually coming from a known, trusted party. In re...
ALTA 33-06
Disbursements
This endorsement may be issued on residential or commercial property but is only available for Loan Poli...
1855
Map of New Jersey
Historical Map from 1855
October 26: National Financial Crime Fighters Day
Real estate transactions are a target or a cover for many different financial crimes. As a title and settlement agen...
October 2022: Cybersecurity Awareness Month
In 2004, the US Government declared October as Cyber-security Awareness Month to help individuals protect the...
ALTA 17-06 Access and
Entry & ALTA 17.1-06
Indirect Access and E...
ALTA 17-06 - Access and Entry: This Endorsement provides coverage against loss or damage if 1) the land does...
1845
Map of New Jersey
Historical Map from 1845 showing county lines, state...
Discharge of Mortgage by Affidavit of Payment
After receiving a payoff, a mortgage company is required to cancel it from record; however if a mortgage company does not complet...
Victims of Real Estate Wire Fraud - Part 2
Wire fraud continues to plague the real estate industry regardless of the numerous news articles published warning buyers a...
ALTA 18-06: Single Tax Parcel & ALTA 18.1-06: Multiple Tax Parcel
This endorsement is available for both owner's and loan policies. It provides coverage in the event that the land d...
1827
Map of New Jersey
Pennsylvania, New Jersey and Delaware. Constructed fro...
RTF-1 & RTF-1EE Revisions
Effective 3/2022
As of March 2022, the State of New Jersey updated the RTF-1 and RTF-1EE forms, otherwise known as the Affi...
The Internet of Things - Smart Fitness
The Internet of Things (IoT) is a term encompassing everything connected to the Internet, but increasingly defines objects that connec...
ALTA 8-06: Environmental
Protection Lien
This endorsement is only available for loan policies that cover residential property. The endorsement insures against loss or dama...
The Internet of Things -
Smart Homes
The Internet of Things (IoT) is a term encompassing everything connected to the Internet, but increasingly defines objects...
1822
Map of New Jersey
Geographical, Statistical and Historical M...
ALTA 39-06
Policy Authentication
This endorsement is available for both owner's and loan policies. It provides coverage in the event that the land d...
1814
Map of New Jersey
The State of NJ, compiled f...
Clearing Title
One of the most popular questions we're asked is: "How do we clear this exception?" The answer depends on the type of issue the exception ...
Cookies!
No, not chocolate chip or sugar cookies, we're talking about HTTP cookies. These cookies, otherwise known as Web cookies, are little bits...
Successor & Transferee
Endorsement
This endorsement, when affixed to an Owner's Policy, modifies the definition of Insured to include, in specif...
1804
Map of New Jersey
Drawn by S. Lewis
Certified Title
Professional: The NJ...
The New Jersey Land Title Association (NJLTA) created the professional designation in 1990 to reward individua...
Victims of Real Estate Wire Fraud
Many cases of real estate wire fraud go unreported in the media and to the FBI. In 2018, 11,300 victims were report...
ALTA 3-06: Zoning
Endorsement
The ALTA 3-06 insures against loss or damage sustained by the Insured in the event that, at Date of Policy: according...
1795
Map of New Jersey
Compiled from the most Au...
The Importance of
Real Estate Attorneys
Buyers frequently call and ask if they really need an attorney in order to buy a piece of property. My respo...
Are you Updating your
Passwords Regularly?
April 22 it was reported that Facebook recently realized they were accidentally storing hundreds of millions of Inst...
ALTA 26-06: Subdivision
Endorsement
Subdivision matters are generally excluded on the Title Policy Jacket. The ALTA 26-06 provides limited cove...
1776: Map of The Provinces of NY, &NJ; with Part of PA, and the Province of Quebec.
Drawn by Major Holland, En...
Negotiating a Title
Insurance Policy
While the title policy price may not be negotiable in New Jersey, there is negotiation of the terms of the terms of t...
Securing Your Email and
Computer Network
Today cyber criminals are an active threat to real estate transactions, making it crucial to implement a cyber defen...
Commercial Transactions
Avoiding surprises is a critical element for success in any investment. When a title company performs its servi...
What you Need to Know
About Public Wi-Fi
In 2017 a study performed by security company, Norton by Symantec, 60% of internet users around the world beli...
Surveys
It is a common misconception that title companies insure the survey. In fact, title companies use the survey as a source of information to ev...
Cybersecurity for
Small Businesses
According to the Annual Verizon Data Breach Report, small businesses were the target of 58% of all cyber at...