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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 Title insurance and builders When it comes to title insurance not all states have the same rules and laws. For instance in some states it is the sellers responsibility to provide the buyer with the owners policy of title insurance and from there the buyer will have to buy the policy of title insurance covering the lender. These policies should be issued at the same time and by the same title company. It is the buyer who will profit from this arrangement, as they will get a discount on their policy. Purchasing property from a builder is a different matter entirely. Your builder might only be paying as little as $25 for their policy whereas you will have to pay full price for your lender's policy. It is worth it to title companies to give this discounted rate to the builders because it is the builders who are going to be bringing them so much more business in the future. And since they have already checked out the property this time round it will save them time in the future on this property and in the end they, the title company are going to come out way ahead. They will be getting a lot of money for very little work. If you are purchasing from a builder you can always try to talk to them about these fees, find out from them what you will be paying and if it is a discounted rate or not. Chances are you will not be getting a discount and you can always ask the lender if they will kick in some of this expense, some builders will be willing to work with you on this. Title insurance fees are generally flexible so it is worth a try, just make sure that you get all of these questions asked, answered and handled before you sign anything, especially the purchase agreement.