Title Issues / Deed - Different States

[David Weintraub]

Pennsylvania has proven to be a difficult place for HML to do business with new clients, specifically Philadelphia and some surrounds counties. Deeds are not registered in some cases up to 90 days making title insurance impossible. Has anyone dealt with these issues in PA or elsewhere? Want to get an idea of how other major areas operate. In places where counties E File things move quite quickly. NJ is not an issue.

[Russell Brazil]

Deeds dont need to be recorded in order to get title insurance.  I have several transactions a year, typically with REOs where we do a double recording. We submit the current new deed with the previous deed to the county to be recorded at the same time. You just need the deed, and perhaps the closing documents from the previous closing in order to get it done without it needing to be recorded in the public land records