States N – W

 

Nebraska

Title Turn Time: 24-48 hours

Attorney State: NO

Marital State: Yes

Vantage Point must Fund: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Copy of signed HUD/CD
• Executed Mortgage
• Vantage Point Title disclosure docs
• 1003 or SOI
• Proof of wire or cancelled check for payoff
• Ledger

Mortgage Tax: Not Applicable

Deed: Documentary Stamp Tax is %2.25 per $1000.00 or fraction thereof of value (full consideration) on transfers of property, payable with the recording.

Survey: Survey is required for a purchase. Prior surveys will work. Refinance we can use a Survey Affidavit.

Recording Requirements:

First Page

Clear 3” top margin with the following directly below it

Return To name and address

Title of Instrument

NOTE: If the first page does not comply with these requirements, a cover page may be added to the document and is included in the page count.

All Pages

Clear 1” side margins

1” bottom margin that may contain non-essential information such as page numbers, etc.

Document is Non-Standard if margin requirement not met. Additional recording fees apply.

Paper must be minimum of 8 ½” x 11” or maximum of 8 ½” x 14” and be at least 20lb weight

and white.

Font size must be at least 8 point font, legible and printed in Black Ink.

No attachment or affirmation may cover any information or printed material on the document.

All signatures must be in Dark Blue of Black ink and must have names printed or typed

beneath them.

 

Nevada

 

Title Turn Time: 24-48 hours

Attorney State: NO

Vantage Point must Fund: Yes, We must perform the sub-escrow and escrow services on the file.

Marital State: Community Property State. Both husband and wife must execute the Deed of Trust of their community property, consisting of that acquired by either party during their marriage. However, real property owned by or claimed by either person before marriage or thereafter acquired by gift, devise or descent is the separate property of the husband or wife, as the case may be.

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Signed HUD/CD
• Executed Deed of Trust
• Vantage Point Title disclosure docs

Mortgage Tax: Not applicable

Deed: Deed Transfer tax varies from $1.95 to $2.55 per $500.00

Survey: Survey is only required for high liability purchases. The survey affidavit is needed for refinances.

Recording Requirements:

First page must have a top margin of 3” x3” in the upper right corner. All other margins and pages must be at least 1”. If the document does not confirm to the first page margin requirements, you may create a cover page. If anything is in the 1” margin, the document is Non-Standard and incurs additional recording fees.

Font size must be at least 10 point – Times New Roman

Document must be clearly legible and capable of producing legible microfilm images or Non-Standard Fees apply.

All documents must be submitted on 8.5” x 11” paper or non-standard fees apply.

If a highlighter has been used over any text of the document, it is considered Non-Standard.

ALL print and text must be in black ink except for signatures. (including the acknowledgment).

All documents that contain a Metes and Bounds legal description must have a derivation clause referencing the document that the legal was obtained from.

All documents must have Tax Parcel ID # on the first page.

All documents to be recorded that contain personal information (i.e. full SSN, Driver License or ID card #, any account or financial or security number or password for financial information) must have an affirmation statement on the first page of the document and must be signed. Pursuant to NRS 239B.30.

Some counties may require an Affirmation Statement that the document does not contain personal information.

 

New Hampshire

 

Title Turn Time: 24-48 hours

Attorney State: NO

Marital State: Yes

Vantage Point must Fund: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Copy of signed HUD/CD
• Executed Mortgage
• Vantage Point Title disclosure docs
• 1003 or SOI
• Proof of wire or cancelled check for payoff
• Ledger

Mortgage Tax: Not applicable

Deed: Deed transfer tax varies from $15.00 per $1000.00

Survey: Survey is required for purchase deal. Survey affidavit will work for refinances.

Recording Requirements:

First page must have 3” top margin, the left side of this margin can be for “Return To” information.

All other margins on all pages must be at least 1”.

Double sided pages are not accepted.

Legibility standard: Photographically reproducible.

All text must be at least 10 point font Times New Roman.

All text, print and writing must be in black ink. Dark blue ink is acceptable for signatures only.

All signatures must be original except for Clerk Certified Copies of docs.

All legal descriptions must contain the Town / City in the first sentence of the description.

Names and/or Capacities must be clearly printed or typed under ALL signatures.

If a document does not comply with these requirements, the document will be rejected. Cover letters are not accepted to comply with margin requirements.

 

New Jersey

 

Title Turn Time: 24-48 hours

Attorney State: NO

Marital State: Yes

Vantage Point must Fund: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Copy of signed HUD/CD
• Executed Mortgage
• Vantage Point Title disclosure docs
• 1003 or SOI
• Proof of wire or cancelled check for payoff
• Ledger

Mortgage Tax: Not Applicable

Deed: Transfer tax applies please contact our office for details.

Survey: Survey is required for purchases. Survey affidavit is acceptable for refinances.

Recording Requirements:

Prerequisites for recording have been statutorily changed as follows: (NJRS 46:26A-3)

(1) A document satisfies the prerequisites for recording if it appears from the document or the image of it delivered to the recording office that:

• the document is in English or accompanied by a translation into English;

(2) the document bears a signature;

(3) the document (including a corrected document submitted for re-recording) is acknowledged or proved as provided by Title 46 of the Revised Statutes;

(4) the names are printed beneath all signatures that appear on the document;

(5) if the document is a deed conveying title to real property, it

(a) fulfills the requirements of section 2 of P.L.1968, c.49 (C.46:15-6), (This statutes reference has to do with application of Transfer taxes)

(b) includes a reference to the lot and block number of the real property conveyed as designated on the tax map of the municipality at the time of the conveyance or the account number of the real property,

(c) includes the name of the person who prepared the deed, (a signature is no longer required; and

(d) includes the mailing address of the grantee. If the real property has been subdivided, the reference shall be preceded by the words “part of.” If no lot and block or account number has been assigned to the real property, the deed shall state that fact, an

(6) if the document is an assignment, release or satisfaction of a mortgage or an agreement respecting a mortgage, it states the book and page number or the document identifying number of the mortgage to which it relates if the mortgage has been given such a number.

1. A document, whether made by an individual, corporation or other entity, is not required to be executed under seal, or to contain words referring to execution under seal.

Legal Descriptions must contain the City/Township, County and State the property is located in the first sentence.(NJRS 46:26A-3)

Driver’s License and Social Security numbers are not permitted on documents recorded in public records.

Non-ID Affidavits are not recordable.

Any person signing the document must be stated on the face of the document for indexing purposes.

 

New Mexico

 

Title Turn Time: 3-5 Days depending on area could be 7days.

Attorney State: NO

Vantage Point must Fund: NO

Marital State: YES

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• HUD/CD signed at closing
• Executed Deed of Trust
• Vantage Point Title disclosure docs
• Vendor Title disclosure docs

Mortgage Tax: Not applicable

Survey: YES, Survey is required for refinances and purchases.

Recording Requirements:

Nothing Specific

 

New York

 

Title Turn Time: 24-72 hours

Attorney State: NO

Marital State: No

Vantage Point must Fund: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Copy of signed HUD/CD
• Executed Mortgage
• Vantage Point Title disclosure docs
• 1003 or SOI
• Proof of wire or cancelled check for payoff
• Ledger

Mortgage Tax: Mortgage tax applies in New York, please contact our office for details

Deed: Transfer tax applies in New York please contact our office for details.

Survey: No survey required just the survey affidavit.

Recording Requirements:

Legibility standard: Photographically reproducible.

Text must be at least 9 point font. If there are any lines thru the document, it will be rejected.

Section, Block and Lot number must be on the first page of all documents.

Recording Cover pages are required by the following counties: Cayuga, Bronx, Chenango, Essex, Fulton, Greene, Hamilton, Herkimer, Kings, Madison, Niagara, New York, Orange, Orleans, Oswego, Otsego, Putnam, Queens, Richmond, Schenectady, Seneca, Suffolk, Tioga, Warren, Westchester and Yates.

• Bronx, Kings, New York and Queens must be completed thru the following ACRIS Online website: https://a836-acris.nyc.gov/CP/CoverPage/MainMenu.

• Westchester must be completed thru the Westchester NY PREP system thru the following website link: https://prep.westchesterclerk.com/PREP/WebLoginNew.aspx

• Richmond must be completed thru their website.

If MERS is listed on the mortgage the coversheet must show both MERS and the Lender as the Mortgagee.

Documents of record may not include a Social Security, Bank Card or Driver’s License number.

 

North Carolina

 

Title Turn Time: 24-72 hours depending on area

Attorney State: YES, Search and Escrow

Marital State:  Yes

Vantage Point must Fund: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Copy of signed HUD/CD
• Executed Mortgage
• Vantage Point Title disclosure docs
• 1003 or SOI
• Proof of wire or cancelled check for payoff
• Ledger

Mortgage Tax: Not Applicable

Survey: Survey is required for purchases. Survey affidavit is acceptable for refinances.

Recording Requirements:

All documents must have a 3” blank top margin on the first page.

All other margins on all remaining pages must be at least 1/4”.

NOTE: very picky about having clear margins. If anything enters the margins (i.e. signatures, initials, page numbers, etc…) the document is considered Non-Standard.

Black ink type, 9 point font, one sided paper only or will be considered Non-Standard.

NOTE: If the above requirements are not met, the document is considered Non-Standard and

additional fees apply. (See Special Recording fees below)

Parcel number must be on all documents.

“Prepared By” statement must be on the first page all documents and include the individual preparer’s name or the Law Firm name. (GS 47-17.1). The drafting of any document which conveys an interest in real property is the practice of law by statute in NC (NCGS 84-2.1). Such documents may ONLY be drafted by an actual party to the document or a licensed NC Attorney on behalf of one of the parties.

“Return To” must be stated on the first page.

Will not accept documents that have “hole punches” in the paper.

 

North Dakota

 

Title Turn Time: 1 to 3 weeks depending on area.

Attorney State: NO

Marital State: Yes

Vantage Point must Fund: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Copy of signed HUD/CD
• Executed Mortgage
• Vantage Point Title disclosure docs
• 1003 or SOI
• Proof of wire or cancelled check for payoff
• Ledger

Mortgage Tax: Not Applicable

Survey: No survey required just the survey affidavit.

Recording Requirements:

All documents must have a 4” x 4” blank top/ right margin on the first page.

All other margins on all remaining pages must be at least 1”.

 

Ohio

 

Title Turn Time: 24-48 hours

Attorney State: NO

Marital State: Yes

Vantage Point must Fund: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Copy of signed HUD/CD
• Executed Mortgage
• Vantage Point Title disclosure docs
• 1003 or SOI
• Proof of wire or cancelled check for payoff
• Ledger

Mortgage Tax: Not Applicable

Deed: Transfer tax and fees are a minimum of $0.10 per $100.00 and vary by county, please contact our office for details.

Survey: Survey is required for purchases. Survey affidavit is acceptable for refinances.

Recording Requirements:

All documents must have a 3” blank top margin on the first page.

The top margin of all pages after the first page must be at least 1 1/2”.

All other margins on all remaining pages must be at least 1”.

Black ink type, 10 point font.

If any of the above requirements are not met, the document is considered Non-Standard.

Parcel number must be on all documents.

“Prepared By” statement must be on all documents and include the individual preparer’s name. May be located at the conclusion of the document.

“Return To” must be stated on the first page.

Will not accept documents that have “Social Security Numbers” showing unless there is an affidavit that is signed and notarized by the individual consenting that this information be included on the document to record.

 

Oklahoma

 

Option One- Title Turn Time: 30-45 days for the full ALTA Product

Option Two- Title Turn Time: 3-5 days for our most popular product which is a report produced from the county records so we can close a file within the 30 day window. When the file is closed the abstract is pulled and policy would be issued. The purpose of this product is to speed up the product delivery and minimal cancellation fee.

Attorney State:  NO

Vantage Point must Fund: No

Marital State: Yes

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Signed HUD/CD
• Executed Deed of Trust
• Vantage Point Title disclosure docs

Mortgage Tax: Mortgage tax applies in the state of Oklahoma please contact our office for amounts.

Deed: Transfer taxes and fees are $0.75 per $500.00 of the consideration

Survey: Survey is only required for a purchase. The survey affidavit is needed for refinances.

Recording Requirements:

A 1”, clear margin is required on all sides of all pages. If the first page does not comply, there is an additional $2.00 required. Nothing can be typed or written on the top of the first page.

Document must be legible and at least 9 point font.

 

Oregon

 

Title Turn Time: 3-5 days depending on area

Attorney State: NO

Vantage Point must Fund: No

Marital State: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Signed HUD/CD
• Executed Deed of Trust
• Vantage Point Title disclosure docs

Mortgage Tax: Not applicable

Deed: Transfer taxes and fees only apply in Washington County, where the transfer tax is $14.00 per $1,000.00

Survey: Survey is only required for a purchase. The survey affidavit is needed for refinances.

Recording Requirements:

All documents must have a 4” x 4” top right margin on the first page.

Black ink type, 8 point font.

Name or Title of document must be stated on the first page. If it is a multi-document, the extra title must also be stated (i.e. Request for Notice of Default, Substitution of Trustee, Notice of Reconveyance, etc…).

Names of all parties to the document (this includes the trustee and MERS)

The address for all parties MUST be stated on the first page of ALL documents to record or the document will be rejected. (ORS 205.234)

Return To statement

Consideration amount and/or Loan amount.

Parcel number must be on all documents.

Mail Tax Statement To must be stated on all conveyances

If the above requirements are not met, you may attach a Cover sheet that contains the required information. All metes and bounds legal descriptions must include the Section, Township and Range of the property. Will not accept a document that has highlighter marks over any text on the document. If clarity pages are attached, each clarity page must have “For Clarity Purposes Only” typed on the page.

 

Pennsylvania

 

Title Turn Time: 24-48 hours

Tax Certificates: 5-10 days

Attorney State:  NO

Marital State: No, unless there is a pending divorce the spouse doesn’t have to sign.

Vantage Point must Fund: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Copy of signed HUD/CD
• Executed Mortgage
• Vantage Point Title disclosure docs
• 1003 or SOI
• Proof of wire or cancelled check for payoff
• Ledger

Mortgage Tax: Not Applicable

Deed: Transfer tax applies please contact us for details.

Survey: No survey required just the survey affidavit.

Recording Requirements:

All documents must have a 1 1/2” top margin on the first page. All other margins must be 1”.

Black ink type, 10 point font.

Paper size must be 8.5” x 11”.

The “Prepared By”, “Return To” and the “Parcel #” must be located in the left half of the top 3” of the first page on all documents.

The “Prepared By” statement must include the name, address and telephone number of the preparer.

The “Return To” must be below the “Prepared By” statement.

The “Parcel #” must be below the “Prepared By” and “Return To”.

All pages and attachments (riders) must be renumbered sequentially.

Legal descriptions must contain the Township / Village name in the situate clause in the first paragraph.

The legal description must contain a Plan and Lot number for the property being described. If the prior deeds do not contain the Plan and Lot #, a derivation clause must be included on the document. This can be at the end of the legal description.

Names must match throughout document and with title. If an AKA or FKA, etc… is used, the person must be listed, signed and be notarized with both names. Also, if the signature of the person signing does not look like it is spelling out the name, add “Legal Signature” under the signature line of that person. (Example: name is John Smith and signature appears to read J Smith)

Some counties require back cover pages. (See Special County Requirements)

 

Rhode Island

 

Title Turn Time: 24-48 hours

Attorney State: NO

Marital State: No,

Vantage Point must Fund: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Copy of signed HUD/CD
• Executed Mortgage
• Vantage Point Title disclosure docs
• 1003 or SOI
• Proof of wire or cancelled check for payoff
• Ledger

Mortgage Tax: Not applicable

Survey: Survey is only required for a purchase. The survey affidavit is needed for refinances.

Recording Requirements:

All signatures must have names printed underneath.

All documents are recorded in the Town Clerk. Nothing is recorded at the county level.

 

South Carolina

Title Turn Time: 24-72 hours depending on area

Attorney State: YES, Search and Closing

Marital State: No

Vantage Point must Fund: Yes we must do sub-escrow. Must use attorney for the closing no Exceptions!

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Copy of signed HUD/CD
• Executed Mortgage
• Vantage Point Title disclosure docs

Mortgage Tax: Not Applicable

Deed: Transfer tax and fees are $1.85 per $500.00 of consideration

Survey: No survey required just the survey affidavit. Survey is required for New Construction.

Recording Requirements:

All documents must be legible and at least 8 point font.

Names must be typed or printed under all signatures including the notary

Two witnesses are required on every document being recorded in land records (including Manufactured Home documents). NOTE: This applies to all docs, even if they are executed outside of the state. Also, if the document was signed as a split closing, there must be two witnesses for each separate closing. This is pursuant to Title 30, Chapter 5, Section 30-5-30(B) of the South Carolina Code.

Derivation clause is recorded on all Deeds and Mortgages. This clause must include the Grantor and Grantee names as well as the Book and Page indexing of the last recorded vesting deed. If you are recording a Deed and a Mortgage, the clause on the mortgage may state “Recorded Simultaneously Herewith”.

Under Section 30-2-330(c) – A person preparing or filing a document for recordation may not include a Social Security, Driver’s License or Passport ID Numbers unless expressly required by law.

 

South Dakota

Title Turn Time: 3-5 Weeks depending on area

Attorney State: NO

Marital State: Yes

Vantage Point must Fund: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Copy of signed HUD/CD
• Executed Mortgage
• Vantage Point Title disclosure docs
• 1003 or SOI
• Proof of wire or cancelled check for payoff
• Ledger

Mortgage Tax: Not Applicable

Deed: Transfer tax and fees are $0.50 per $500.00 of cost, unless exempt.

Survey: Survey is required for purchases. Survey affidavit is acceptable for refinances.

Recording Requirements:

All documents must have a 3” clear top right margin on the first page. All other margins must be at least 1” and free of any marks or notations.

Black ink type, 10 point font.

“Prepared By” statement must include an address and phone # of the preparer.

Certified Copies of documents may not be altered to record.

All signatures must be in dark blue or black ink.

 

Tennessee

 

Title Turn Time: 24-48 hours

Attorney State: NO

Marital State: Yes

Vantage Point must Fund: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Copy of signed HUD/CD
• Executed Mortgage
• Vantage Point Title disclosure docs
• 1003 or SOI
• Proof of wire or cancelled check for payoff
• Ledger

Mortgage Tax: Mortgage tax applies in the state of Tennessee, please contact out office for details.

Deed: Transfer tax and fees are $3.70 per $1,000.00.

Survey: No survey required just the survey affidavit.

Recording Requirements:

Prepared By statement must include the name and address of the person or government

agency must be in the first page of the document. (Pursuant to Tenn. Code Ann. § 66-24-115).

Parcel number must be on the first page of all documents.

Legal Description must have a derivation clause that includes the book and page of the last recorded vesting deed. NOTE: If recording a Deed and a Deed of Trust at the same time, the derivation clause must be for the new deed you are recording and state “Recorded Concurrently Herewith”.

NOTE: For property located within two counties (i.e. documents recorded in two different counties), the Deed Transfer and/or Mortgage Recordation Tax is only required to be paid in one county. Send all documents to record in the first county, when the original recorded documents are returned, send them to the 2nd County. As long as the proof that the tax was paid is on the document, that tax does not need to be paid in the 2nd county.

 

Texas

 

Title Turn Time: 24-48 hours (in county) 5-7 days (out of county)

Attorney State: NO

Vantage Point must Fund: Yes, We must perform the full closing and disbursement in this state. No Exceptions!

Marital State: Yes

Texas Home Equity: If the new loan is cash out or extension of a previous Texas Home Equity there are certain guidelines that have to be followed to insure the transaction. The HUD/CD must be reviewed and signed one business day in advance by the borrower. The closing must take place in the office of a title company, attorney, or lender.

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Signed HUD/CD
• Executed Deed of Trust
• Vantage Point Title disclosure docs

Mortgage Tax: Not applicable

Survey: Survey is required if the property doesn’t sit on platted land, this is usually described as a meets and bounds legal description. If the land is platted or is in a subdivision just the T-47 Survey affidavit is required.

Recording Requirements:

All documents must have a 1 1/2” top right margin on the first page. Many counties require a clear margin on the bottom of the last page for the recording stamp. See Special County Requirements for this information. All other margins on all other pages must be at least 1/2”.

Black ink type, 8 point font.

“Return To” statement must also be on the first page.

Names must be typed or printed under all signatures, including the notary and any witnesses.

Some counties are charging Penalty Fees for non-Compliance instead of rejecting.

Homestead Affidavits are recorded as separate documents.

Manufactured Home Limited Power of Attorney Documents need to be recorded as a separate document.

 

Utah

 

Title Turn Time: 24-72 hours

Attorney State: NO

Vantage Point must Fund: No

Marital State: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Copy of signed HUD/CD
• Executed Mortgage
• Vantage Point Title disclosure docs
• 1003 or SOI
• Proof of wire or cancelled check for payoff
• Ledger

Mortgage Tax: Not applicable

Survey: Survey is only required for a purchase. The survey affidavit is needed for refinances.

Recording Requirements:

Documents must be submitted on 8 1/2” x 11” paper or Non-Standard fees apply.

All documents must have a 2 1/2” x 4 1/2” top right margin on the first page. All other margins on all other pages must be at least 1”.

Black ink type, font must not be less than 7 vertical lines per inch and must be legible.

Parcel number must be on all documents and must be in the proper format. This may be verified in the search. The most common format is XX-XXX-XXXX.

 

Vermont

 

Title Turn Time: 48-72 hours

Attorney State: YES, closing only

Marital State: Yes

Vantage Point must Fund: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Copy of signed HUD/CD
• Executed Mortgage
• Vantage Point Title disclosure docs
• 1003 or SOI
• Proof of wire or cancelled check for payoff
• Ledger

Mortgage Tax: Not Applicable

Deed: Transfer tax applies please contact us for details.

Survey: Copy of the survey with the survey affidavit is needed for purchases. Survey affidavit is acceptable for refinances.

Recording Requirements:

Prepared By statement must include the name of the individual person who prepared the document.

ALL RECORDINGS ARE PERFORMED AT THE INDIVIDUAL TOWN CLERK.

NOTHING IS RECORDED AT THE COUNTY LEVEL. DO NOT SEND ANYTHING TO THE “COUNTY”.

Recording fee Payee and ALL recordable documents should be to the Town Clerk for the town that is listed in the 1st paragraph of the legal description.

 

Virginia

 

Title Turn Time: 24-48 hours

Attorney State: NO

Vantage Point must Fund: Yes

Marital State: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Signed HUD/CD
• Signed Deed of Trust
• Vantage Point Title disclosure docs
• Signed CRESPA Letter by lender in order to disburse prior to recording

Mortgage Tax: Mortgage tax applies please contact our office for details.

Deed: Transfer tax applies please contact our office for details.

Survey: Survey is only required for a purchase. The survey affidavit is needed for refinances.

Recording Requirements:

All documents must have a 1” top, bottom and left margin on all pages. The right margin only needs to be 1/2”. The top right corner of the first page must be clear for the recording stamp.

Black ink type, 10 point font (equivalent of 12 characters per inch). If the font size of the document does not comply with statutes, some counties will accept a ”clarity copy” of the document, but this copy must be perfect.

Prepared By statement must be on the first page and include the individual or company name who prepared the document. Return To statement must be stated on the first page. Both of these are pursuant to Code 17.1-223(a). EFFECTIVE 7/1/2012: ALL CONVEYANCE DEEDS: THIS PREPARED BY STATEMENT MUST SHOW THE INDIVIDUAL NAME OF EITHER THE OWNER OF THE PROPERTY OR AN ATTORNEY LICENSED IN VA AND MUST INCLUDE THAT ATTORNEY’S VA STATE BAR #.

Parcel ID and/or Tax Map # must be on the first page. Some counties require GPIN # as well. See Special County Requirements.

All pages of the document must be renumbered consecutively.

The Surname ONLY of all parties must be in all CAPITAL letters OR Underscored. If the entire name is in CAPITAL letters, the Surname must also be underscored.

Will not record any documents that have the Social Security Numbers on them.

Fairfax, Mecklenburg and Prince William Counties will not accept clarity copies of the document if it does not conform to document standards. The document will need to be redrafted, printed and executed.

 

Most counties require a Recording Cover Page. See Special County Requirements below for the list of counties. This cover page must be generated via the following website link: https://csa.landsystems.com/CSA/CSALogin.asp

 

Washington

 

Title Turn Time: 3-5 days depending on area

Attorney State: NO

Vantage Point must Fund: File must be disbursed by Vantage Point Escrow, no exceptions.

Marital State: Yes

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Signed HUD/CD
• Executed Deed of Trust
• Vantage Point Title disclosure docs

Mortgage Tax: Not applicable

Survey: Survey is only required for a purchase. The survey affidavit is needed for refinances.

Recording Requirements:

First page requirements for all documents to be recorded:

 

• 3 inch top margin
• 1 inch margin on remaining sides
• Name of all Grantors
• Name of all Grantees
• MERS (if applicable)
• Name of Trustee (if applicable)
• Parcel ID #
• Legal Description (may be abbreviated but must include at least the Block, Lot and Plat OR the Section, Township and Range as well as the page within the document that the full description is located).

 

A clear 1” margin on all remaining pages.

Black ink type, 9 point font and legible for reproduction.

Return To statement must be stated on the first page and is the only thing allowed in the top 3” margin.

If the above Margin requirements are not met, a coversheet is required and is included in the document page count. There are 2 different coversheets to use.

• If the document does not comply with the 3” margin, use the “Cover Sheet”.
• If the document contains any pages that do not conform to the 1” Margins, use the “Cover sheet – Non-Conforming 1 inch margin”. There is an additional Penalty fee for use of this cover sheet.

NOTE: if either of the coversheets is used for an Assignment OR Subordination you must include the borrower’s name as the Grantor if the borrower is stated on the document.

 

West Virginia

Title Turn Time: 48-72 hours

Attorney State: YES, search and closing

Marital State: Yes

Vantage Point must Fund: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Copy of signed HUD
• Executed Mortgage
• Vantage Point Title disclosure docs
• 1003 or SOI
• Proof of wire or cancelled check for payoff
• Ledger

Mortgage Tax: Not Applicable

Deed: Transfer tax does apply please contact us for details.

Survey: Survey is required for purchases. Survey affidavit is acceptable for refinances.

Recording Requirements:

Legal Descriptions must contain the District Name or Number.

Prepared by Statement with name of preparer must be typed at the conclusion of the document.

Will not record any documents concurrently.

 

Wisconsin

 

Title Turn Time: 24-48 hours

Attorney State: NO

Marital State: Yes

Vantage Point must Fund: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Signed HUD/CD
• Executed Mortgage
• Vantage Point Title disclosure docs
• 1003 or SOI
• Proof of wire or cancelled check for payoff
• Ledger

Mortgage Tax: Not Applicable

Deed: Transfer tax and fees are $0.30 per $100.00

Survey: Survey is required for purchases. Survey affidavit is acceptable for refinances.

Recording Requirements:

All documents must have a 3” x 3” blank space in the top right corner of the first page.

All other margins mu be at least 1/2”.

Title of the document must be within the top 3” of the first page.

A coversheet may be used if the above requirements are not met.

Black ink type, 9 point font.

“Drafted By” statement must be at the conclusion of the document and include the individual name who prepared the document.

“Return To” statement must be stated on the first page at the top left or below the recording area on the right.

Parcel ID MUST be located directly below the “Return To” information.

Will not accept any document with a full Social Security Number stated.

 

All legal description must contain a statement such as: “Part of Lot 3, Block 1 of (name of subdivision)” OR “a certain lot of tract of land in a certified survey map (volume, page and map number)” OR “A parcel of land located in the NE ¼ of the SE ¼ (Section, Township, Range)” as per WI Statutes 706-05(2)(c).

 

Wyoming

 

Title Turn Time: 5-7 days depending on area

Attorney State: NO

Marital State: Yes

Vantage Point must Fund: No

Document Requirements for policy:

• Closing instructions
• Payoffs of items on title
• Signed HUD/CD
• Executed Mortgage
• Vantage Point Title disclosure docs
• 1003 or SOI
• Proof of wire or cancelled check for payoff
• Ledger

Mortgage Tax: Not applicable

Survey: No survey required just the survey affidavit.

Recording Requirements:

Nothing specific.