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Title basics · New York City
Deed Theft in NYC: How It Happens, How to Check ACRIS, Free Alerts and What Title Insurance Covers
How NYC owners spot a fake deed in ACRIS, get free recording alerts, what to do if one is recorded, and what an owner's title policy covers.
Title basics · New York City
Deeding a NYC Rental Into Your LLC: Transfer Taxes, Filings, Your Mortgage and Your Title Policy
Moving a NYC rental into your own LLC: when transfer tax applies, the LLC member list, the risk your lender calls the loan, and title coverage.
Permits & violations · New York City
Do ECB/OATH Fines and HPD Charges Follow a NYC Property to the New Owner?
Does an unpaid NYC OATH/ECB fine or HPD repair charge pass to you when you buy, including from a bank or at a foreclosure auction? It depends on the debt.
Closing process · New York State
Do You Need a Real Estate Lawyer to Buy or Sell in New York?
New York law doesn't require a lawyer to buy or sell a home, but most people use one. What a real estate lawyer does and what changes if you go without.
Local requirements · Long Island
Flood Zones and Flood Insurance on Long Island: What Buyers, Lenders and Title Check
Find a Nassau or Suffolk home's FEMA flood zone, learn when your lender requires flood insurance, and how flood rules affect a Long Island closing.
Permits & violations · New York City
Found an Old DOB Violation After Closing in NYC? What Title Insurance Covers and Your Options
Found an open DOB or ECB violation after your NYC closing? Why title insurance usually won't pay, when the seller may still owe, and how to clear it.
Mortgages & liens · New York State
Hard Money and Private Lender Loans in New York: Usury Limits, Licensing and Title Insurance
Private or hard money loan in New York? Interest caps by loan size and borrower, when a license is needed, and what lender title insurance covers.
Permits & violations · New York City
How to Check a NYC Property for Violations, Permits and Charges Before Contract
Free NYC sites that show a property's violations, open permits, CO, summonses, taxes and water charges, and what each finding means for your closing.
Permits & violations · New York City
How to Clear OATH/ECB Violations and Judgments Before Selling a NYC Property
Selling a NYC property with OATH/ECB violations? Paying vs. curing, certificates of correction, reopening a missed hearing and the Debt Demolisher amnesty.
Closing process · New York State
How to File a Title Insurance Claim in New York: What Happens Step by Step
How a New York title insurance claim works, step by step: written notice, proof of loss, defense, fixing or paying, and DFS complaints.
Permits & violations · New York City
Legal Two-Family or Not? Checking DOB, DOF, HPD and the Listing Before You Buy or Lend in NYC
A NYC house sold as a two-family is only legal if DOB records say so. How to read the CO, tax class, HPD registration and listing, and why it matters.
Mortgages & liens · New York State
Lien Law Section 22: Filing a Building Loan Contract in New York
New York construction lenders must file the building loan contract with the county clerk by the day the mortgage is recorded. What to file and when.