l*****n 发帖数: 204 | 1 有个lien一直没有clear,真的不知道要不要close,如果close的话,这个lien将来有
谁来付清?
现在的title company 有没有责任督促前一个title company来付清这个lien?
现在这个title company可以insure 我免于对这个lien负责吗?从什么地方可以找到这
些信息?
loan broker似乎和title company一期玩了个trick。title company 告诉我为了issue
一个clean title report,我需要签个indemnity。而loan broker早就拿这个
conditional的clean title report去发送给lender,结果据说loan 已经批准了,可以
在下周一之前按时close了。
我已经告知loan broker我不会前那个所谓的indemnity agreement,可他还是说没关系
,可以继续close。
我的问题是,
1)title company会insure 我免于对这个lien负责吗? 从那里可以看到这样的条款?
2)如果我不用对这个lien 负责的话,close以后title company还有责任再追讨这个
lien吗?怎么能确保呢?
by the way, 这个lien是欠state tax commission的,打电话问了,说这个lien跟着前
屋主走,并不是跟着房子走。
希望大家多指教。
非常感谢! |
b*d 发帖数: 9308 | 2 oh,还没有clear呀,找你的上一个Broker,问问他.
issue
【在 l*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 有个lien一直没有clear,真的不知道要不要close,如果close的话,这个lien将来有 : 谁来付清? : 现在的title company 有没有责任督促前一个title company来付清这个lien? : 现在这个title company可以insure 我免于对这个lien负责吗?从什么地方可以找到这 : 些信息? : loan broker似乎和title company一期玩了个trick。title company 告诉我为了issue : 一个clean title report,我需要签个indemnity。而loan broker早就拿这个 : conditional的clean title report去发送给lender,结果据说loan 已经批准了,可以 : 在下周一之前按时close了。 : 我已经告知loan broker我不会前那个所谓的indemnity agreement,可他还是说没关系
|
s***e 发帖数: 830 | 3 It is tricky, dont close in such a hurry.
talk to your title company, and ask whether the title insurance is
comprehensive, which means they will take care if there is nay title issue,
or it just covers the period from the previous owner to the current owner.
Get a comprehensive one, even though it will cost more. Otherwise move on or
wait until the title company clear the lien for you.
issue
【在 l*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 有个lien一直没有clear,真的不知道要不要close,如果close的话,这个lien将来有 : 谁来付清? : 现在的title company 有没有责任督促前一个title company来付清这个lien? : 现在这个title company可以insure 我免于对这个lien负责吗?从什么地方可以找到这 : 些信息? : loan broker似乎和title company一期玩了个trick。title company 告诉我为了issue : 一个clean title report,我需要签个indemnity。而loan broker早就拿这个 : conditional的clean title report去发送给lender,结果据说loan 已经批准了,可以 : 在下周一之前按时close了。 : 我已经告知loan broker我不会前那个所谓的indemnity agreement,可他还是说没关系
|
l*****n 发帖数: 204 | 4 没呢,refinance 的broker 就是purchase 时的那个broker。他说他什么都不知道。咋
办?
谢谢bed。 |
s***e 发帖数: 830 | 5 whenever you have a question about the title, there is only one place to ask
for the answer, the title company. Your agent may not know the answer.
【在 l*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 没呢,refinance 的broker 就是purchase 时的那个broker。他说他什么都不知道。咋 : 办? : 谢谢bed。
|
l*****n 发帖数: 204 | 6 我也觉得tricky,但是就是不知道所以然,也说不出道道来。the title insurance 还
有 comprehensive 的?真的第一次听说。不过够呛,title company 似乎只想撇清与
这个lien的关系。
不过,打电话问state tax,他们说lien是跟着前房主走,似乎与房子没有关系,不知
道可靠不?
另外,不close 的话,估计他们会说是我的责任,除了appraisal以外,他们说还需要
付title report fee。不知道还有什么?
以下是所谓的indemnity 的关键部分,各位说公平吗?好像并不保护我呀。
in the consideration of the issuance of said title insurance policy, the
undersigned covenant and agree with the Company (1) to forever fully protect
, defend and save harmless the Company from and against the above mentioned
matters;
(2) to forever fully protect, defend and save
harmless the Company from any and all loss, costs, damages, attorney's and
solicitors fees and expenses of every kind and nature which it may suffer,
expend or incur under or by reason, or in consequence of or growing out of
said matters, or any of them, or on account of the assertion or enforcement,
or attempted assertion or enforcement hereof, or of any rights existing or
hereafter arising, or which at any time be
claimed to exist under or by reason, or in consequence of or growing out of
said matters or of any of them;
(3) to defend at undersigned's own costs and charges in behalf of and for
the protection of the Company and of the parties insured, or who may be
insured, against loss by it under its said title insurance policy or
policies (but without prejudice to the right of the Company to defend at the
expense of the undersigned if it so elects) any and every suit, action or
proceeding in which any such matters may be asserted or attempted to be
asserted, established or enforced in, to, upon, against or in respect to
said real estate, or any part thereof, or interest therein; (4) that each
and every provision hereof shall extend to and be in force concerning any
and every other title insurance policy or policies which the Company may at
any time or times hereafter issue, insuring against loss by reason of such
matters in the manner described above; (5) to reimburse the Company for
attorney's fees and other costs of enforcing this agreement.
,
or
【在 s***e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : It is tricky, dont close in such a hurry. : talk to your title company, and ask whether the title insurance is : comprehensive, which means they will take care if there is nay title issue, : or it just covers the period from the previous owner to the current owner. : Get a comprehensive one, even though it will cost more. Otherwise move on or : wait until the title company clear the lien for you. : : issue
|
b*d 发帖数: 9308 | 7 Lien既可以是跟着人走,也可以跟着房子走,我觉得既然Broker帮不上什么忙的话,你
就要求Title Company给你一个答复,你可是付了title insurance的,出了事,他们怎
么能够不管呢。
protect
【在 l*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我也觉得tricky,但是就是不知道所以然,也说不出道道来。the title insurance 还 : 有 comprehensive 的?真的第一次听说。不过够呛,title company 似乎只想撇清与 : 这个lien的关系。 : 不过,打电话问state tax,他们说lien是跟着前房主走,似乎与房子没有关系,不知 : 道可靠不? : 另外,不close 的话,估计他们会说是我的责任,除了appraisal以外,他们说还需要 : 付title report fee。不知道还有什么? : 以下是所谓的indemnity 的关键部分,各位说公平吗?好像并不保护我呀。 : in the consideration of the issuance of said title insurance policy, the : undersigned covenant and agree with the Company (1) to forever fully protect
|
l*****n 发帖数: 204 | 8 哪个title company?current title company 说一星期前即了张支票给state tax
commission,但现在还不知道在那儿,state tax commission当然不release the lien
。即将雇用的title company说已经催前一个3 个星期了,眼看着lock 要expire了,就
要我签这个indemnity。
到底要怎么操作啊?
谢谢。 |
b*d 发帖数: 9308 | 9 对,就是现在的这个Title insurance公司。如果不知道是哪家,找你的broker问,然
后找他们的Title Rep。
lien
【在 l*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 哪个title company?current title company 说一星期前即了张支票给state tax : commission,但现在还不知道在那儿,state tax commission当然不release the lien : 。即将雇用的title company说已经催前一个3 个星期了,眼看着lock 要expire了,就 : 要我签这个indemnity。 : 到底要怎么操作啊? : 谢谢。
|
k******o 发帖数: 3328 | 10 如果 previous owner 迁 state (income) tax, it is possible his asset,
including his house, is in danger of lose, or liquidate.
房子 title clean, 你才close.
issue
【在 l*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 有个lien一直没有clear,真的不知道要不要close,如果close的话,这个lien将来有 : 谁来付清? : 现在的title company 有没有责任督促前一个title company来付清这个lien? : 现在这个title company可以insure 我免于对这个lien负责吗?从什么地方可以找到这 : 些信息? : loan broker似乎和title company一期玩了个trick。title company 告诉我为了issue : 一个clean title report,我需要签个indemnity。而loan broker早就拿这个 : conditional的clean title report去发送给lender,结果据说loan 已经批准了,可以 : 在下周一之前按时close了。 : 我已经告知loan broker我不会前那个所谓的indemnity agreement,可他还是说没关系
|
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l*****n 发帖数: 204 | 11 oh,这样子?确实有危险的。可如果我要是等房子 title clean才close,结果不能够按
时close的话,都是我的责任吗?我需要赔偿什么吗?
我已经付了appraisal,loan broker说还有大约$200的title report fee,其他的,还
有什么吗?
谢谢!
【在 k******o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 如果 previous owner 迁 state (income) tax, it is possible his asset, : including his house, is in danger of lose, or liquidate. : 房子 title clean, 你才close. : : issue
|
l*****n 发帖数: 204 | 12 他们似乎在管,说一周前已经寄了张check去state tax commission,但现在还没有发
现所谓的check 在哪儿。据说给了即将雇用的title company 一个ups track number,
好像state tax commission是已经签收了,只是check上没有specific name to
receive it。
我就是不确定这张check到底存在不存在,会兑现吗?已经签收一周了呀。
【在 b*d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Lien既可以是跟着人走,也可以跟着房子走,我觉得既然Broker帮不上什么忙的话,你 : 就要求Title Company给你一个答复,你可是付了title insurance的,出了事,他们怎 : 么能够不管呢。 : : protect
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b*****t 发帖数: 1276 | 13 你有没有attorney,可以让他起草个agreement,让seller放钱到escrow里去。然后
close。 |
l*****n 发帖数: 204 | 14 我没有attorney,不过似乎与seller关系不大。是现在这个title company。他们说已
经寄了一张check 给tax commission,但上面没写名字。已经询问他们是否能够撤销那
张check,另外在寄一张有名字的,被拒绝了。
【在 b*****t 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你有没有attorney,可以让他起草个agreement,让seller放钱到escrow里去。然后 : close。
|
a******o 发帖数: 7982 | 15 of course not. 如果close,以后这个lien就是你要负责的.有lien的房子也敢close,真
是神人.
issue
【在 l*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 有个lien一直没有clear,真的不知道要不要close,如果close的话,这个lien将来有 : 谁来付清? : 现在的title company 有没有责任督促前一个title company来付清这个lien? : 现在这个title company可以insure 我免于对这个lien负责吗?从什么地方可以找到这 : 些信息? : loan broker似乎和title company一期玩了个trick。title company 告诉我为了issue : 一个clean title report,我需要签个indemnity。而loan broker早就拿这个 : conditional的clean title report去发送给lender,结果据说loan 已经批准了,可以 : 在下周一之前按时close了。 : 我已经告知loan broker我不会前那个所谓的indemnity agreement,可他还是说没关系
|
d******n 发帖数: 2712 | 16 township办事可能慢些,如果要close的话,需要之前那个title公司书面确认会负责
discharge那个lien到底。
理论上讲,如果title不清的话,现在的title公司根本不应该issue title ins
commitment的。 |
l*****n 发帖数: 204 | 17 今天告诉我说这两个lien已经clear了,结果打电话去tax commission去问,说一个
partially released,另一个not satisfied。
找title company 要cleared 的evidence,是一张大约$3k的check copy。可这两个lien
总共大约$15k。觉得不可信,继续索要released 的evidence,说是6/15/2011cash的,
但不知道什么时候可以record。我想,没record,但至少应该release吧。
大家怎么看?
【在 d******n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : township办事可能慢些,如果要close的话,需要之前那个title公司书面确认会负责 : discharge那个lien到底。 : 理论上讲,如果title不清的话,现在的title公司根本不应该issue title ins : commitment的。
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T********e 发帖数: 1760 | 18 你最好找个好点的律师咨询一下,不要轻信title company。我当初买的foreclosure的
房子也是因为lien的问题麻烦一大堆,不过我的是federal tax lien。Title company
什么都不懂,银行的律师也是极其不负责任。他们告诉我lien清了,可以close了,我
不信他们。最后还是我自己在网上查清了给IRS打电话,然后告诉title company要怎么
做,title company 又转告银行的律师,折腾了三个月lien才清掉的。清掉前千万不要
close |
l*****n 发帖数: 204 | 19 谢谢指教!
可是也有很人说,这些lien是on my house,但是没有tied with my name,所以可以
close。以后万一有任何trouble,当初买方时的ower's policy 回保护我的。可是万一
有问题,怎么操作?该找谁?做完refinance 后,title company 就变成另外一个了。
TXSunshine,能不能说说怎么enforce the Owner's Policy让上一个title company 把
这两个lien付清了?我自己可以找这个title company 吗?还是我需要file a lawsuit?
company
【在 T********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你最好找个好点的律师咨询一下,不要轻信title company。我当初买的foreclosure的 : 房子也是因为lien的问题麻烦一大堆,不过我的是federal tax lien。Title company : 什么都不懂,银行的律师也是极其不负责任。他们告诉我lien清了,可以close了,我 : 不信他们。最后还是我自己在网上查清了给IRS打电话,然后告诉title company要怎么 : 做,title company 又转告银行的律师,折腾了三个月lien才清掉的。清掉前千万不要 : close
|
b*d 发帖数: 9308 | 20 今天我给Title company打电话问了一下,建议你现在填一下Statement of
Information的表格,然后拿到Title company去,如果证明这个Lien不是你的,title
company可以帮你把这个拿掉的。
lawsuit?
【在 l*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 谢谢指教! : 可是也有很人说,这些lien是on my house,但是没有tied with my name,所以可以 : close。以后万一有任何trouble,当初买方时的ower's policy 回保护我的。可是万一 : 有问题,怎么操作?该找谁?做完refinance 后,title company 就变成另外一个了。 : TXSunshine,能不能说说怎么enforce the Owner's Policy让上一个title company 把 : 这两个lien付清了?我自己可以找这个title company 吗?还是我需要file a lawsuit? : : company
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|
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l*****n 发帖数: 204 | 21 谢谢bed!!!
但是这个Statement of Information Form是为了解决similar name的问题吧?
另外,title company可以帮我把这个lien拿掉,是指在title report上拿掉吧,可这
个lien还是on the house吧?
最重要的事,这是最终如何解决?到底由谁来付清这个lien?如果这次refinance做成
了,就要换title company了,虽然有Ower's policy来保护我免于对这个lien负责,可
真有事的时候,要找谁呀?老title company,还是新title company?还是需要file a
lawsuit to enforce Ower's policy?
title
【在 b*d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 今天我给Title company打电话问了一下,建议你现在填一下Statement of : Information的表格,然后拿到Title company去,如果证明这个Lien不是你的,title : company可以帮你把这个拿掉的。 : : lawsuit?
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T********e 发帖数: 1760 | 22 I don't know about state tax liens, but federal tax liens stays on the house
. Had I bought my house with the lien, the lien would have been mine. SO
you need to find out before you close. Also title insurance has many
exclusions, so you want to make sure you will be covered in case the lien is
still there. The best thing I see is to close after the title is clean. In
my case, it was a lot easier for the bank to remove the lien than for me to
do that. I learned a lot during the process about foreclosures and federal
tax liens. When everyone told me the lien was gone, I insisted on checking
with the IRS. My title company even felt that I was bugging them all the
time and told me I could walk away if I didn't feel comfortable. It turned
out I was correct. After the whole thing, my agent joked with me I could be
a real estate attorney.
lawsuit?
【在 l*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 谢谢指教! : 可是也有很人说,这些lien是on my house,但是没有tied with my name,所以可以 : close。以后万一有任何trouble,当初买方时的ower's policy 回保护我的。可是万一 : 有问题,怎么操作?该找谁?做完refinance 后,title company 就变成另外一个了。 : TXSunshine,能不能说说怎么enforce the Owner's Policy让上一个title company 把 : 这两个lien付清了?我自己可以找这个title company 吗?还是我需要file a lawsuit? : : company
|
l*****n 发帖数: 204 | 23 我已经close了,现在是refi。当初什么也不懂呀,不过,现在也不懂。据说There is
not an owner’s policy on a refinance. There is a lender’s policy that
will go to Provident Funding that guarantees them a first lien position
after our closing. That usually gets mail out to Provident Funding a few
days after we fund your loan.
结果什么也不给呀。怎么知道insurance的内容?
怎么确认是first lien position?
house
is
In
to
【在 T********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : I don't know about state tax liens, but federal tax liens stays on the house : . Had I bought my house with the lien, the lien would have been mine. SO : you need to find out before you close. Also title insurance has many : exclusions, so you want to make sure you will be covered in case the lien is : still there. The best thing I see is to close after the title is clean. In : my case, it was a lot easier for the bank to remove the lien than for me to : do that. I learned a lot during the process about foreclosures and federal : tax liens. When everyone told me the lien was gone, I insisted on checking : with the IRS. My title company even felt that I was bugging them all the : time and told me I could walk away if I didn't feel comfortable. It turned
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b*d 发帖数: 9308 | 24 SI可以解决重名的问题,也可以用来证明这个Lien不是你的,这样就可以从这个房子上面
拿掉了.
a
【在 l*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 谢谢bed!!! : 但是这个Statement of Information Form是为了解决similar name的问题吧? : 另外,title company可以帮我把这个lien拿掉,是指在title report上拿掉吧,可这 : 个lien还是on the house吧? : 最重要的事,这是最终如何解决?到底由谁来付清这个lien?如果这次refinance做成 : 了,就要换title company了,虽然有Ower's policy来保护我免于对这个lien负责,可 : 真有事的时候,要找谁呀?老title company,还是新title company?还是需要file a : lawsuit to enforce Ower's policy? : : title
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T********e 发帖数: 1760 | 25 The best thing for you to do is to call your state tax commission and ask
them whether the lien is still on your property or not.
As to the title insurance, if you bought owner's title insurance when you
first bought the house, it may cover you. You can read the policy to see if
that is the case.
is
【在 l*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我已经close了,现在是refi。当初什么也不懂呀,不过,现在也不懂。据说There is : not an owner’s policy on a refinance. There is a lender’s policy that : will go to Provident Funding that guarantees them a first lien position : after our closing. That usually gets mail out to Provident Funding a few : days after we fund your loan. : 结果什么也不给呀。怎么知道insurance的内容? : 怎么确认是first lien position? : : house : is
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l*****n 发帖数: 204 | 26 今天联系了state tax commission,record office,3rd district court, attorney
general for state。只有assistant of attorney general for state 回答和解释了
一些疑问,其他都不懂。
assistant of attorney general for state告诉我,我should be okay. If a
dispute exists, it will be between the Commission and Standard title company
.
Both are income tax. 其中一个 Lien is partially released as to your property
only. This means that it remains a lien on all other property of the
taxpayer, but not on yours.
a partial release of the other lien as to your house should be issued
shortly。
似乎问题可以解决了。bed 和TXSunshine,我理解的对吗? |
T********e 发帖数: 1760 | 27 It sounds like you are fine.
attorney
company
property
【在 l*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 今天联系了state tax commission,record office,3rd district court, attorney : general for state。只有assistant of attorney general for state 回答和解释了 : 一些疑问,其他都不懂。 : assistant of attorney general for state告诉我,我should be okay. If a : dispute exists, it will be between the Commission and Standard title company : . : Both are income tax. 其中一个 Lien is partially released as to your property : only. This means that it remains a lien on all other property of the : taxpayer, but not on yours. : a partial release of the other lien as to your house should be issued
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