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	Escrow & Title Escrow Protected after escrow? Condominiums as rentals? Common Ways To Hold Title Direct deeding is useful Escrow is open Comparing escrow fees Learn about contingencies Prepare for Escrow closing Prorations it pertains to rent Real estate taxes pro-rated Real property vs. personal property Real Estate Mathematics The hidden cost of closing Utility bills and escrow escrow agents have to report? Walk Through Inspection   Title 1031 reverse exchange 1031- Avoid capital gains tax ALTA Policy CLTA Policy Community property tates Creating a trust Clouds on a title Do condos need title insurance? Deed Deed of Reconveyance Dealing with boundary disputes Easements Exceptions in title insurance How much is title insurance? Lis Pendens Mortgages vs. deeds of trust Not married? Joint tenants? Proposed zoning change Preliminary Title Report Quitclaim deeds Statement of Opinion Title Insurance Title insurance and builders Your closing date-Who chooses? Why you should have title insurance Who pays for what Fees in Escrow Exceptions in title insurance There are exceptions that will be in your title insurance and these exceptions will be in your policy. All title insurance policies have these exceptions but you need to know what they are. The most common exceptions are: Boundary disputes Taxes that are not on public record Assessments that are not on record Tenants that have not been disclosed Mechanics liens that have not been recorded Mineral rights Water rights Easements not on record If you want to get these things included in your policy you may be able to get extended coverage but it will cost you more money. The title insurance company will let you know what your options are in terms of your policy. You will find that zoning factors and anything that comes up after your policy may be exceptions. Also subdivision and building codes and anything that is not on record and that has not been disclosed to the insurance company. It is imperative that you fill them in on everything concerning your property or else they cannot cover you. The lender's policy will have endorsements attached to it that will protect from things that are not disclosed and things that cannot be known without getting an inspection or a survey done on the property. This also pertains to condo property. When you are going over your title policy you need to ask any questions that you have. It is important that you understand what is covered and what is not. If you do not understand something you need to ask your attorney, your escrow agent or the insurance company itself. If you are going to be getting changes done to the title insurance you need to take care of that before escrow closes. Remember that title insurance will protect you from whatever is already in existence not future liens or judgments