Entries from Dan Melson's Website tagged with 'insurance'
Title Searches Missing a Lien
I refinanced my house and an existing lien was not discovered. Now the important question: Is it a valid lien, or has it really been paid, and just not released of record? If it has been paid, you don't...
Unpaid Liens After The Sale, and Subrogation
I sold my house in (state) in august 2001 I hired a title attorney whose (local company X) acted as a agent for (national company Y). The facts are that there were errors and omissions which led to negligence...
Disasters and the Mortgage
after Katrina I am upside down with my mortgage. my house is uninhabitable. My flood insurance check doesn't payoff the mortgage. How can i get a short payoff due to financial hardship - i.e. relocation loss of jobs and...
What Can You Recover From the Title Company?
"what can a consumer recover from title company for undisclosed easement" Basically, the cost of the immediate remedy, at least here in California. Here's a standard example. Mr. and Ms. Smith buy a property and they wish to put a...
Real Estate and Loan Agents Selling Mortgage Life Insurance
Just got another in a long series of emails about this horrid product: (identifying details redacted) Learn How To Make More Money Per Client ($500-$1000) In This Workshop You Will Learn Why The Most Successful Mortgage & Real Estate Professionals...
Recording Errors and Title Insurance
I just got a google search where the question asked was "What if the mortgage is recorded in the wrong county?" I've never actually seen this (and San Diego County, once upon a time, included what is now Riverside, Imperial...
Lenders and Insurance Proceeds
The question that inspired this was can a mortgage company use the flood insurance claim money towards homeowners mortgage loans? This is equally applicable to every other form of insurance on your home - earthquake, regular homeowner's insurance, and any...
The California Mortgage Loan Disclosure Statement (MLDS) Part II
(Continued from Part I) Below the "Estimated Closing Costs" line, there are three more sections. The first is "Items required by lender to be paid in advance." These are not negotiable - they are what they are, and except for...
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