Tag: real estate

Commitment Issues, Vol. 2 – Commitment Jackets

As we discussed in the first volume of this series, which can be viewed here, “issues” does not refer to problems that you may find with the Commitment, but issues, such as a magazine or a publication series, about Commitments. In the first issue, we covered the generalities of the Commitment to help landscape the idea of exactly what it is (and is not) and the purpose it serves. Now let’s dive into the finer details of different aspects of the Commitment itself.

As a Whole

As we discussed previously, “the Commitment Jacket is general, non-specific coverage that is issued from an insurance underwriter (the Insurance Company).” The term “jacket” refers to the pre-digital era, before commitments and policies were computer-generated. Everything was simply put into a paper folder with inserts. Nonetheless, the name still carries on today.

The Jackets from each insurance underwriter are fairly standardized across the board from the American Land Title Association (ALTA) and contain a notice, commitment to issue policy, and conditions.

The Nitty-Gritty

Or in other words, the jacket is the part you usually just scroll over to get to the schedules. But here is a brief summation of what each of the 3 parts is stating.

The Notice lays out what the Commitment is and what it is not. For instance, it is not an Abstract of Title, condition of Title, legal opinion, or title policy. Rather, just a Commitment to issue Policy.

The Commitment to Issue Policy section may sound redundant, however, this is the Insurance Underwriter’s obligation specifically to issue the Policy subject to the Notice, as stated, and the Commitment Conditions, Schedule B I – Requirements, and Schedule B II – Exceptions. Also included in this section is a statement giving the life of the Commitment from the underwriter. Some insurance underwriters give different lengths of time for the requirements under Schedule B I to be met before the Commitment is no longer valid. If a Lender is involved, they may have their own stipulations on how long they will accept the Commitment.

The Commitment Conditions will give definitions of terms that are pertinent to understanding the Commitment, all the components necessary to make the Commitment valid, the Company’s right to amend, and liabilities from the Company to the proposed insured. Some insurance underwriters will have more conditions than others but will include a vast majority of the same.

As you can see, the Commitment Jacket provided contains general provisions and agreements of the relationship between and from the Insurer and the proposed Insured. A Commitment Jacket will always be provided from Tallgrass Title on every transaction that we are insuring and issuing a Policy.

Be sure to keep an eye out for the next blog in the series, as we will be covering the components and aspects of the Commitment issued by the Title Company. You, too, can be Title Commitment literate and savvy!

And even if after reading this you still need clarity and have further questions, please don’t hesitate to reach out and get ahold of us. Title is what we do!

Title Searches w/Thais: Title Examiner: Boring Job or Not?

I have been asked many times, “so what exactly do you do for your job?” My first attempt at a succinct answer is to say, “I work with title insurance”. However, this generally seemed to lead to the misconception that I was somehow a telemarketer and tried to sell insurance to people over the phone. This mistake on my part led me to believe that a lot of people do not really know what goes on behind the scenes when they conduct a transaction through a title company. And when they do find out, they then assume I have a very boring desk job sitting in front of a computer all day. While I will admit that this 8-5 is not the most, shall we say, exhilarating, I think it is arguable that a Title Examiner can have a very interesting job at times.

To sum up the job of a title examiner, our job is to conduct a search of the public records at the county in which the property in question is located, and to write a Title Commitment, which is the Title Company’s binding promise to issue an insurance policy based on the terms and conditions laid out within it. These 8 or so pages often appear to just be a lot of legal mumbo jumbo, once again giving the appearance of a very boring job. But whenever there is an issue that requires further investigation on our part, we often stumble on some fascinating things, things that often can tie into the history of Kansas, and sometimes even the history of America.

Sometimes, when tracking the ownership of land, we find out that a property has been owned by generations of the same family, even tracking back to the Land Patent – the transfer of title to land owned by the government to an individual. Most of these occurred in the 1800s. Following this chain can lead to discoveries such as very old probates and obituaries, which can lay out the whole reason they moved to Kansas in the first place, and how it passed through children and generations to the current day.

Did you know that according to certain research, there are over 300 ghost towns in Kansas? [1] Some of these were just a result of a failed settlement, but others were caused by events such as the creation of the Tuttle Creek Dam, which everyone knows exists. What might not be so commonly known is that this wiped out multiple small towns in Midwest Kansas. Cleburne, Kansas [2], was one of these. Remnants of the town can still be seen today, but it has been uninhabited since the mid-1950s. Running into documents during a search that reference a town which is nowhere to be found in the present day, instigates a little bit of digging to find out the story of what actually happened.

Every job has its high points and low points, but a Title Examiner is given the opportunity to learn many interesting things, all while doing a stellar job at producing a title commitment at the end of the day. And, thankfully, not spending their day on the wrong end of a telemarketer phone call.

Closings with Karissa: Why Title Insurance?

I routinely hear the question: Is Title Insurance worth it?. My answer, is yes, it is quite important. You wouldn’t buy a house without homeowners’ insurance or buy a car without car insurance. I’m sure you have Health and Life insurance. If you are protected in other aspects of life, why would you not protect the title to your home as well?  and does not have liens attached? The best part is that title insurance is a one-time fee that is paid at closing and you never have to worry about it again. As long as you own the property it is protected. So it would be crazy not to do it!

Who thought up Title Insurance… and why?

Title Insurance used to be done by opinions given by Conveyancers prior to 1876 when Joshua Morris founded Real Estate Title Insurance Company of Philadelphia.  The purpose was to have land conveyances financially guaranteed instead of the old system of relying on opinion-based reporting without financial backing.  Now, instead of “trust me” the industry offered “if we are wrong, I will pay you.” Other companies in Chicago, Los Angeles, Minneapolis and New York followed shortly after and ALTA was created to assist in standardizing and unifying the Title Insurance industry.

What is ALTA?

In 1907 the American Land Title Association (ALTA) formed as the primary association of the Title Insurance industry. The association set the precedence for title insurance, they did not standardize title insurance policies nationally until 1929.

What can Title Insurance protect against?

Title insurance protects against hidden issues, liens and encumbrances that can be costly to the new homeowner. The following are examples of potential issues:

  • Lack of Access
  • Unpaid Mortgage
  • Seller claims to have ownership, but do they really?
  • Neighbors have an easement through the property
  • Previous owners deceased family member is buried on the property
  • Legal Judgment for previous owner that attached to the property

No one is exempt from uncleared title issues. Even Abraham Lincoln’s father lost his home to title defects when Abe was a little boy…Twice.

So, why title insurance?

No one wants to live with the fear of losing their home due to a claim by someone else or from a lien that could put their home in foreclosure. Especially if they the option to have an insurance policy that says they own their home and no one else has a claim to it. Title Insurance, while not required, is still very important.

Title Insurance can sometimes be overwhelming and appear confusing.  However, the Tallgrass Title team is here to assist with your title insurance questions, just give us a call!

 

Commitment Issues, Vol. 1 – Title Commitment 101

No, no. This is not about problems with Commitments, or even about Buyers shopping for a home for over a year and still not happy with anything. This is a series about the Title Commitments that we issue and how to make sure you understand what you are reading. We want to go in-depth and help break down just what purpose the Commitment serves as well as its different components. The end goal is for you to be able to receive the Commitment and know exactly what the general items and terms are and how to navigate them.

The Nature and Purpose of the Commitment

The Title Commitment is a report prepared by the title company containing specific information about the property to be purchased or that is currently owned. It also legally binds the title company to issue a Title Policy – it’s a commitment. The Title Commitment, issued prior to closing, is the stepping-stone to issuing the final Title Policy, which is issued after closing. The Commitment is not the Policy, and the Policy is not the Commitment, although there will be similar information given and shared between the two.

Your Commitment will contain four parts: the Commitment Jacket, Schedule A, Schedule B I – Requirements and Schedule B II – Exceptions. Let’s parse out each of these components and give a brief run-down of what each one is.

The Commitment Jacket

The Commitment Jacket is general, non-specific coverage that is issued from an insurance underwriter (the Insurance Company) to the title company (the Insurance Agent.) This will be included with each Commitment that we issue.

Schedule A

A “schedule” in its basic meaning is simply a written form or statement of details. Regarding Title Insurance, the schedules give specific information about the property and transaction. Schedule A gives a general description of property concerning its property address, legal description, how title is currently vested, and what types of policies are going to be issued after the closing takes place.

Schedule B – Requirements

Schedule B of the Title Commitment is broken up into two separate sections: Requirements and Exceptions. The first section (Requirements) details specifically what is needed to pass clear title and issue a final Title Policy. If a purchase transaction, you will typically see some form of deed, mortgage, mortgage release, and an affidavit. If refinancing, the only difference will be no deed to convey ownership. There may be some additional items in the Requirements that will need to be addressed, depending on what is found and listed in the Exceptions.

Schedule B II – Exceptions

The Exceptions contain all things pertaining to and running with the specific piece of real estate as mentioned in Schedule A. The Buyer/Owner has free and clear title to the ownership and use of the said real estate, with the exception that their rights to use the property are subject to all those items contained therein.

Stay tuned for the next blog in the series, as we will dive further into discussion about each of the components that make up the Commitment. And even if things are still somewhat confusing afterwards, feel free to reach out and give us a call! It’s what we’re here for!

Closings with Karissa: Security & Real Estate Transactions

Real estate fraud is alive and well as fraudsters find new ways to cheat people out of their money. Whether it be through fraudulent emails or posing as a realtor and calling clients to get them to send money. Title companies, banks and realtors strive to protect buyers’ and sellers’ money as if it was their own money. It is our job to protect our clients and ensure a smooth closing process for everyone. We were asked recently what we do to protect our clients’ sensitive information and protect their assets.  We take this very seriously and want to share a few ways we do this.

ID Verification

When Sellers come to our office to sign documents to sell real estate, we check photo identification. We ensure the party “selling” is in fact the party in title and not a fraudster claiming real estate as their own.

Remote Online Notarization (RON)

Believe it or not, signing documents through a RON environment is more secure than signing in person. Signers must submit their photo ID while on a live audio-visual session, like in person.  But they also answer KBA (Knowledge-based authentication) questions to verify their identity. We simply do not have that kind of capability in person and this adds an extra layer of identity verification.

Secure Wire Instructions

We work with CertifID to send and verify wire instructions. It takes a little extra time to verify your identity and banking information with this process. However, we do this to guarantee funds are getting to where they are supposed to be instead of being sent to a fraudsters personal account.

Earnnest

“You spelled that wrong.”

We hear this a lot, however, I assure you we know how to spell. Earnnest is a payment portal we use to request earnest money from our clients to satisfy the terms of the contract. It works a lot like Cash App or Venmo, is secure, and the Earnest Money goes straight from the buyers bank account to ours. We simply send your buyer a link to our custom payment portal and they complete payment.  This reduces the need to navigate wire instructions and the possibility for human error. There is also a cost savings over cost of sending a wire, in most cases.

E-Signature Platforms

Our office utilizes Dotloop and HelloSign to get documents to clients securely. We can send view only documents or we can send documents with a request for information and signatures. This eliminates the requirement for password protecting a PDF in email and still applies the security necessary to protect sensitive information.

Password Protected

If our office does send out sensitive information via email, we will always password protect it to secure information that is not public knowledge, such as settlement statements. At any time, a fraudster could be hanging out in your email and open attachments that are not secured to see what the proceeds would be for a transaction, then reach out to you with bad wire instructions requesting you send your hard-earned money to then instead of to the title company for your transaction.

Why?

Wire fraud and other forms of cybercrime in the real estate sector resulted in $350 million in losses in 2021, up from $213 million in 2020. While only 12,000 people a year are victims, one in three real estate transactions is a target. This is why we remain vigilant in our own practices and in our efforts to educate our clients.[1]

A staggering 35% of fraud attempts reported in 2021 were traced back to email. If you suspect a fraudulent email was sent to you, do not respond to it, click any links, or open its attachments. Reach out to your realtor, title company, lender, client using known information from a source outside of the email. Stay tuned for a follow-up blog on email security tips!

We are here to answer any questions you may have, protect your information, and help make your closing experience as smooth as possible.

[1] https://blog.alta.org/2022/03/cyber-losses-hit-69b-in-2021.html

But really, have you met RON?

Ever since the State of Kansas passed and implemented permanent RON legislation, we’ve been hard at work to get RON off the ground and running.

We’re thrilled to introduce you to our friend RON.

Who/what is RON?

RON stands for Remote Online Notarization. This is the process of a signer appearing before a notary public (with RON designation) via a recorded audio-visual call. The documents are signed and notarized electronically, and the signer must complete KBA (knowledge-based authentication) identity verification prior to signing.

The implementation of KBA identity verification makes completing a signing and notarization with RON technology even more secure than in-person.

Why does RON matter?

Over the past few years we have come to understand the need to be flexible and introduce remote solutions. Beyond quarantine and illness, we’re living in an increasingly digital world. If you can order your groceries from your couch, why not buy or sell your house? Both are inevitably quicker and contact free.

The significance of RON goes beyond a matter of convenience. Sellers often move before the sale and buyers aren’t always available to close. Our Kansas RON notaries can complete a notarization with a signer anywhere in the United States. Over the past month, we’ve completed deed packets with sellers in Colorado, Iowa, Texas, and right here in the Flint Hills.  These signings took no more than 15 or 20 minutes, proving to be quicker and more cost effective than overnighting documents back and forth to out of state parties.

How does it work?

Tallgrass Title has partnered with the RON platform Pavaso in order to complete seamless notarizations. Like many other RON platforms, Pavaso boasts KBA identity tools and an environment to perform audio-visual sessions, that are recorded and stored for 10 years (should there ever be any question about a particular signing or document).

Pavaso also allows for your Tallgrass Title closers to act as the notary during these RON sessions, whereas many RON vendors require that you use their contracted notaries. We understand that relationships make up 90% of the work that we do – if you and your client utilize RON through Tallgrass Title, you and your clients will be meeting with your beloved Tallgrass Title closers.

If we decide that RON will be right for your next transaction, we will send the signer and any requested observers links to sign up for Pavaso in advance of the scheduled “closing” time. During this time, the signer will have access to review the documents they will be signing in advance. We feel that this gives the client opportunity to prepare questions for the closing agent and avoid the “rush” feeling that often accompanies in-person signings.

When will this be available?

It’s available now! We have been using RON to complete deed packets for several months now and have found this to be an excellent resource for sellers. We hope to utilize RON for loan packets in the future, but approval will always be up to the individual lender’s discretion. If your lending institution is interested in or already using RON, let’s talk!

That’s a wrap!

If your team would benefit from more information about this awesome resource, we’d love to sit down and provide you with more information and/or a demo! Please keep this awesome resource in mind for your next transaction. And as always, let us know how we can best serve you and your clients – it’s what we’re here for!

Closings with Karissa: Settlement Statements

As we prepare to close a transaction, we create settlement statements, which are documents demonstrating all debits and credits associated with the transaction. The American Land Title Association (ALTA) has provided a standard template for these forms, so they are recognizable and readable, no matter which title company you close your next transaction with. Whether the transaction is cash or financed, our office will provide ALTA Settlement Statements to both the Buyer and Seller. The Buyer and Seller statements are unique to their respective side of the closing and can only be shared with the other party if we have express permission in writing.

Sellers

When reviewing the Seller Settlement Statement you will find the sales price, any applicable credits the Seller gave to the Buyer in the contract, a tax proration (either a credit or debit depending on the time of year and if Seller paid them prior to closing or not), title expenses that consist of closing fees and title insurance premiums owed to the title company, any commissions due to realtors, payoffs of current liens, and any invoices or repairs that the Seller has agreed to pay for.

Buyers

When reviewing the Buyer Settlement Statement you will find the sales price, any applicable loan amounts, any applicable Seller credits the Seller agreed to within the contract, a tax proration (either a credit or debit depending on the time of year and if Seller paid them prior to closing or not), loan closing charges determined by the lender, impounds for the Buyers new escrow account collected at closing by the lender, title expenses that consist of closing fees and title insurance premiums owed to the title company, recording fees to file the deed and mortgage of public record with the county register of deeds office, and fees for any inspections or additional work the Buyer has requested prior to closing.

Buyer Settlement Statements may also be referred to as Buyer Settlement Statements.

Bottom Line

Both the Buyer and Sellers statements will include an amount that is either due from or due to that party.  If an amount is due from, this represents the amount due to the title company to close the transaction. If an amount is due to, then you should expect a proceeds check following closing!

This Buyer/Borrower settlement statement reflects the amount the due from the borrower in order to finalize the transaction.
This Seller settlement statement reflects the proceeds the seller will receive after all seller costs are paid.

Signing

As part of “closing” Buyers and Sellers need to review and sign their respective ALTA settlement statements in order to acknowledge their acceptance of the breakdown of debits, credits, and bottom line.

Sellers are more than welcome to sign in our office, with their realtor, on their own or electronically.

Buyers of cash purchases can do the same as above but in the case of a loan will need to sign with the title company, lender or mobile notary.

Questions?

If you have questions about you or your client’s ALTA Settlement Statement, give us a call! We are here to help make this a positive experience.

Legals with Lippman: Government Lots

Imagine this: you’re reviewing an informational or a commitment from the title company and you notice the legal description contains a tract in a government lot. What does this mean? Is this a concern for my transaction? This is one instance in which the word “government” is nothing to worry about!  Legals with Lippman is back to discuss government lots and what they mean to you or your client.

Government lot is a term used within the Public Land Survey System a.k.a PLSS. We briefly talked about PLSS in our first Legals with Lippman. PLSS dates back to 1785 in the United States and is the system that breaks real estate into Section-Township-Range (STR).

  Fun fact: Not all states adopted the PLSS, most notably the Thirteen Colonies.

So, what is it?

A government lot is an irregular portion of a Section as formed by a meandering body of water, impassable object, or another boundary (state, reservation, grant, etc). These “lots” are used in Sections with an irregular shape or acreage (containing less than or more than the 640 acres seen in a standard Section). While called lots, these are not the type of lot that you would see in a platted subdivision. These lots are surveyed by the government (see example from Township 10, Range 8 below) and unlike a platted lot, do not have the zoning regulations, setback lines, or restrictions that are sometimes seen on plats.

In Riley County, for example, we see government lots formed by the Big Blue River and by Fort Riley. More specifically, if we examine a survey of the government lots in Township 10, Range 8, we see how Sections 5, 4, 9, and 8 are encompassed by the Big Blue River, making them slightly irregular.


On modern versions of an STR map you can see how these Sections have some variation in size; this is another indication of the presence of government lots.

From Riley County GIS

In an STR legal description you will see these irregular portions referenced as either a ‘government lot’ or a ‘lot.’ This is an example of a tract from Section 5, Township 10 South, Range 8 East, which is located near the Big Blue River. Another county might refer to these tracts as “government lots 9 and 10.”

So, what does this mean for my property? Owning part of a government lot is no different from owning land with any other STR legal description. There are no special restrictions or government regulations. A government lot is simply a way to make abnormal shapes and acreages fit into a standard section in the PLSS. If you see a government lot listed in your legal description, there is nothing to worry about!

We love helping and we love legal descriptions; if you have a question about your or your client’s legal description, give us a call!

Closings with Karissa: Contract Best Practices

The heart of any real estate transaction is the contract. It is the meat and potatoes.  Everything that the realtors, lenders and title company need to know to close a deal is in the contract and any amendments or addendums that follow.

Therefore, it is important to have everything that the parties desire within the transaction clearly outlined in the contract . This might include a seller credit or home warranty, Or if certain appliances are to stay or go with the seller. All these things must be included in the contract to set a standard of expectation. It also prevents incidences of: “Well that was my washer and dryer” and the seller running off with appliances the buyer is expecting. Or even worse: “That other lot was supposed to be included.” If it wasn’t on the contract, it won’t get conveyed.

 

Here are some helpful tips to make sure there are little to no issues when writing your real estate contract:

Identify the Real Estate

Know what you are selling. Even if all you have is an aerial from Google Maps with a hand drawn outline of what is intended to be sold and an address. Send that to your title company and ask for a preliminary report. In their search process, they will the correct legal description to include on your contract, preventing issues later with lots or tracts being omitted or included by mistake.

Identify the Parties

A preliminary report will include how the real estate is currently vested. So, if John and Jane Smith want to sell their house, the preliminary report will note that the property is actually owned by John A. Smith and Janice Smith (their legal names) or Jane Smith’s Trust.

The Buyer in the transaction will direct how they want to take title to the real estate on the contract.  The buyer might prefer to take title with first, middle and last names or just first and last.  Or they may request to take title via a trust or a company.  This should all be included on the initial contract or a follow up Addendum.

Set a Purchase Price and Terms

Agree on a purchase price. Once the purchase price is decided, set the terms. Who will pay closing costs to the title company, title insurance and any? Will there be a Home Warranty and who will pay that and how much? Is the Seller willing to offer a seller credit to help with the buyers closing costs? What stays and what doesn’t stay with the property? Never assume that appliances stay, even if it seems logical.

Pick a date to close

Closing dates can be very flexible and easily changed with addendums so long as all parties agree to it. Often contracts will state “on or before” and that just means that at any time before the stated close date in the contract the transaction can be closed if all parties agree. In the current market, unless it is a cash deal, give yourself, your client, and lender time and set closing out 30 to 45 days. Best practice is to avoid closing on the very first or last day of the month as these are the busiest days for closings, and it may be difficult to get the time you want unless you schedule early.

Ask questions

If something doesn’t seem right to you, ask questions! For Buyers purchasing or sellers selling a home this is a huge change and can be very tense. We understand the stress of each transaction and are here to help and answer any questions. Even if they seem trivial, we are happy to assist and walk you through the process, it’s our job!

 

 

 

Reverse Mortgages and You!

What is a reverse mortgage?

Can I sell property with a reverse mortgage? Should my grandma get a reverse mortgage?

With a conventional mortgage, a person borrows money from a bank and the bank files a mortgage on the person’s real estate.  If the individual fails to pay back the loan to the bank, the bank uses its mortgage to sell the real estate.  Simple enough. Most residential real estate transactions involve the buyer obtaining financing from a bank to purchase the real estate.  The bank in turn files a mortgage during the process.  The funds are distributed in a lump sum to the sellers.  In a reverse mortgage scenario, funds are distributed slowly, over time to the party owning the real estate.  The lending bank files a mortgage just like a traditional purchase money transaction.

Wait.  Why would the bank make payments over a period of time to the consumer and not the other way around?

Commonly, elderly individuals that own their home and do not currently owe money against it utilize reverse mortgages.  For example, if an elderly person owns their home free and clear of liens but is on a limited income, it can be difficult to pay for day-to-day expenses of living.  At the same time, that person may have tens or hundreds of thousands of dollars in equity in their home.  House rich and cash poor.  A bank would likely not make a conventional loan to the individual because they have no source of income for repayment.  The only option for this person may be to sell their home to realize the equity.

However, a reverse mortgage will loan the individual money, typically in the form of a monthly payment, and secure the loan with a mortgage on the house.  This allows the person to realize their equity while remaining in their home. When the borrower passes away or moves out of the house, the mortgage company is either paid in full from the sale of the home or forecloses the property to sell and satisfy the debt.

Sounds decent, what’s the catch?

There are a few catches.

Unscrupulous Marketing

Many reverse mortgage companies use unsavory marketing tactics to target elderly folks.  Oftentimes folks entering into reverse mortgages do not actually require the payment to live have been convinced otherwise.

Excessive Cost

Interest rates with reverse mortgages tend to be much higher than conventional loans and reverse mortgages can carry multitudes of hidden costs to the borrower.  The interest also compounds over the life of the loan as opposed to a conventional loan, rendering reverse mortgages much more expensive.  Even worse, many reverse mortgages will only provide monthly payments for a set amount of time. So, an elderly person living off reverse mortgage payments could still be forced to sell their home and then have no money left to live.

Fine Print

Lastly, reverse mortgages are difficult to understand.  The documents are cumbersome for even a trained real estate or lending professional.  These loans can be quite one-sided in favor of the lending institution, yet many consumers enter into these types of loans without fully understanding the fine print.

Can I sell a house with a reverse mortgage?

Sure, probably, maybe, perhaps. 

Just like a conventional mortgage, if the underlying debt is paid, the mortgage will be released and the property may be sold free and clear of any liens.  Problems arise when the debt owed against the real estate outweighs the value of the home.  This is often the case with property subject to a reverse mortgage.  It is possible that the bank could agree to a “short sale,” where the bank will agree to accept less than the amount of the debt.  However, this process is typically quite cumbersome and can take several months to complete.   Additionally, there are no guarantees the bank will agree to a short sale. Several months of negotiations could result in the property not being sold.  Further, additional costs and interest continues to accrue while attempting to obtain a short sale arrangement.

Long story short, yes, a person may sell a house with a reverse mortgage.  However, best practice would be to contact the bank and request a “payoff” prior to entering into a contract for sale.  The payoff is the amount that the bank will accept for release of its lien.  If the payoff is greater than the sales price, this may be an issue that could delay the transaction.

As stated above, reverse mortgages can be quite challenging to navigate in a transaction.  That’s why Tallgrass Title has real estate professionals and attorneys on staff to assist in navigating these issues.  Give us a call, it’s our job!