Our Most Common Commercial Endorsements
The basic coverages provided by the standard American Land Title Association ("ALTA") title insurance policies address many of the most common title insurance needs. This handbook is intended to serve as an introduction to the most commonly requested endorsements. If you have any questions about any of the material in this handbook, please contact your Phoenix National Commercial Services representative.
Loan and Owner's
This comparison chart is intended as a guide to identifying differences between the 2021 and 2006 ALTA policies. It should not be relied upon for the interpretation of these policies.
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The people behind our built world
Look at any skyline or landscape and you’ll see apartments, hotels, offices, and warehouses that we all benefit from every day. But what you don’t see are the people who make those structures possible. Meet the professionals behind some of the biggest transactions and investments in commercial real estate and hear their stories of how they got to where they are today. Every story is unique, every property is individual, but we’re all part of this built world. Hosted by Brian Maughan, Chief Marketing Officer, Fidelity National Financial.
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We are excited about our core title, mortgage technology and transactional businesses for the current fiscal year. Our financial performance and position is reported for each quarter and full year. As always, we will look to maximize profitability in all of our businesses and continue to strive to create as much value as possible for our shareholders.
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Laws, Customs, and Buyer/Seller Fee Splits
We are proud to provide this handy reference of real estate laws, customs, and buyer/seller fee splits for all 50 states and the District of Columbia to employees, customers, and title agents.
State-by-State Title Information
NTI Web is your single source for state-by-state underwriting, recording and tax information. Title insurance and real estate information is provided at the county level for all 50 states, and includes: recording fees and requirements, document execution requirements, laws and customs, and transfer, mortgage and property taxes. NTI Web also provides an extensive library of ALTA policies and endorsements and state specific legal documents.
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Consumer Financial Protection Bureau
Know before you close. Any residential loan originated on or after October 3, 2015 will be subject to the new rules and forms set forth by the CFPB. The Rule replaces the Good Faith Estimate (GFE) and early TILA form with the new Loan Estimate. It also replaces the HUD-1 Settlement Statement and final TILA form with the new Closing Disclosure. We have created this important reference for employees and customers, with specific information for realtors, lenders, attorneys, escrow agents and consumers, respectively.
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Stay Current on the Industry
Check out our industry link section to stay connected to ALTA, Fannie Mae and Freddie Mac, the latest industry news, regulatory changes, upcoming trade show events and more. For your convenience, we have provided smart links with quick access to these government agency and industry partner websites.
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Understand the Differences
Each state has its own differences related to the laws and customs associated with commercial real estate transactions. We have taken the time to consolidate a summary of these state-by-state laws and customs through the specific links by state provided here.
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...Or Just Ask Us
There are always questions about title insurance, rates, state laws and customs. We have provided answers to a few of the most commonly asked questions here. If you can't find the answer you need, contact us directly. We are happy to help.
Make Sense of the Terminology
There are many unique words, terms and acronyms for the real estate industry. Our real estate glossary provides simple definitions for some of the most common. If you can't find the information you need here, ask one of us.