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Local requirements · Westchester County
Westchester Cities, Towns and Villages: Which One Is Your Property In, and Why It Matters
Westchester has 6 cities, 19 towns and 20 villages. How to find which one a property is in, and why it matters for permits, taxes and closing.
Costs & premiums · Westchester County
Westchester Closing Costs for Buyers and Sellers, Including Yonkers
Westchester closing costs for buyers and sellers, including transfer taxes, mansion tax, mortgage tax, County Clerk fees and title insurance.
Local requirements · Westchester County
Westchester County Clerk Land Records: Recording a Deed or Mortgage and Searching Records
How deeds and mortgages are recorded with the Westchester County Clerk, why recordings get rejected, and how to search land records online.
Local requirements · Westchester County
Westchester Municipal Searches Explained: What Each Letter Covers, Who Issues It and Why Fees Vary
The building, CO, fire, street, highway, tax and water searches on a Westchester title bill: what each shows, who issues it, its cost and what is insured.
Title basics · New York State
What a New York Title Insurance Policy Covers and What It Leaves Out
What a New York owner's title policy covers and leaves out, who stays insured, how long it lasts and how a claim is paid, in plain English.
Title basics · New York State
What Does a Title Company Do in New York?
What a New York title company does from order to policy, how a title agency differs from the title insurer, and how it is licensed, chosen and paid.
Mortgages & liens · New York State
What Is a CEMA in New York? What It Saves and How Long It Takes
A New York CEMA lets you pay mortgage recording tax only on new money when you refinance. What it saves, what it costs and how long it takes.
Title basics · New York State
What Is Title Insurance? Owner’s vs Lender’s Policies in New York
Title insurance in New York covers ownership problems from before you bought. How owner's and lender's policies differ and what they cover.
Closing process · New York City
What Stalls NYC Closings: A Pre-Listing Checklist for Sellers and Agents
The title and city record problems that hold up NYC closings, where to check each one before you list, and which guide explains the fix.
Costs & premiums · New York City
What Title Insurance Costs in NYC and Westchester, and What the Premium Includes
How New York title insurance premiums are set, the rates for NYC and Westchester, worked examples, and what the premium does and does not cover.
Local requirements · New York City
What You Take On After Buying a NYC Property: Registrations, Inspections and Notices by Building Type
After you buy a NYC building, its registrations, inspections and tenant notices become yours. Which apply to houses, small rentals and larger buildings.
Mortgages & liens · New York State
Which Liens Survive a New York Foreclosure Sale
Which liens a New York foreclosure auction wipes out and which stay with the property: senior mortgages, taxes, IRS liens, left-out lienholders, tenants.