Title Reporters

The Title Consumer is published by the California Land Title Association. Member companies of the California Land Title Association are dedicated to facilitating the transfer of real property throughout California and increasing the public's awareness of the value and purpose of title insurance.  This communication is provided for informational purposes.  It is general in nature and is not intended to and should not be relied upon or construed as legal or tax advice.  Please consult with an attorney or accountant for further questions regarding these matters discussed in the Title Consumer publications.

The CLTA requires only that the following quote be included when reprinting (including an approximate date to determine whether or not a publication is the most current version):   "Reprinted with the permission from the California Land Title Association (date ________  )"

1.  Why Do You Need Title Insurance?

​Title Insurance. It's a term we hear and see frequently -- we see reference to it in the Sunday real estate section, in advertisements and in conversations with real estate brokers. If you've purchased a home before, you're probably familiar with the benefits and procedures of title insurance. 

Title Reporter #1

2.  Solar Access - A Potential Problem​

Interest in solar energy is growing as more and more homeowners, as well as businesses, are taking long, serious looks at this alternative source of power. As with any new technology, however, there are potential problems. 

Title Reporter #2

3.  Closing Costs, A Primer

It's the big day. The day you go to the title company, sign your name on the dotted line, hand over a check and prepare to take ownership of your new home.  It's also the day that you and the seller will pay "closing" or settlement costs, an accumulation of separate charges paid to different entities for the professional services associated with the buying and selling of real property.  

Title Reporter #3

4.  Title Insurance -- Where Does Your Dollar Go?​

Title Insurance: As a homebuyer, the term is probably familiar -- but is it understood? What is your dollar actually paying for when you purchase a title policy?

Title Reporter #4

5.  Understanding Foreclosure​

It is an unfortunate commentary, but when economic activity declines and housing activity decreases more real property enters the foreclosure process. High interest rates and creative financing arrangements also are contributing factors.

Title Reporter #5

6.  The Functions of Escrow

Buying or selling a home (or other piece of real property) usually involves the transfer of large sums of money. It is imperative that the transfer of these funds and related documents from one party to another be handled in a neutral, secure and knowledgeable manner.

Title Reporter #6

7.  Mechanics Liens

California Mechanics' Lien law provides special protection to contractors, subcontractors, laborers and suppliers who furnish labor or materials to repair, remodel or build your home.

Title Reporter #7

8.  Forgery:  A Cause for Alarm?

Forgery is the crime of falsely and fraudulently making or altering a legal document. It is a felony punishable by imprisonment in a state prison. It is also an act which may cloud title to property and may result in protracted legal proceedings.

Title Reporter #8

9.  Creative Financing - Carrying Back a Second?  You Need a Lender's Title Policy

Creative financing: You've heard of it, and, as a seller, the idea sounds pretty attractive. But, do you know everything you need to know about carrying back a second; essentially, about becoming a lender? You better know the same things that financial institutions know - you better know about lender's title insurance.

Title Reporter #9