Audio CD + Course Book

Title Commitments, Exceptions, Endorsements and Objections

Audio CD + Course Book

Copyright Date:

May, 2018

Product ID#:


Audio + Course Book

Credit Information

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From Event: Title Commitments, Exceptions, Endorsements and Objections, held May 2018.

Program Description

This practical title law guide will take the confusion out of four critical elements every practitioner needs to master. It will show you how to read commitments, deal with exceptions, make objections and use endorsements to your client's advantage. You'll also get practical alternatives to endorsements you can use to save your clients time and money. Title law can be confusing, but this authoritative overview takes much of the mystery out of practical aspects you need to know. Master these four essential title law skills and take your practice to the next level - order today!

Course Content

  1. How to Read Title Commitments
  2. How to Prepare Title Commitments - With Examples
  3. When Title Objections Should - and Shouldn't - Be Made
  4. Negotiating Removal of Exceptions
  5. Using Title Insurance Endorsements to Maximize Protections
  6. Alternatives to Endorsements: When and How to Use Them
  7. Ethical Considerations

Continuing Education Credit

Continuing Legal Education

Credit Hrs State Credit Approval Expiration
CLE 6.00 CT * 05/03/2020
CLE 7.00 NY * 05/03/2020

* denotes specialty credits

Agenda / Content Covered

  1. How to Read Title Commitments
    9:00 - 10:00, Philip Peter Apter
    1. The Title Commitment Dissected: Key Elements
    2. Chains of Title Explained
    3. How to Read Legal Descriptions - and What to Look For
    4. Reviewing Schedule A: Ensuring Important Elements Match
    5. Reviewing Schedule B-I: Establishing Identity, Capacity and Authority
    6. Analyzing Schedule B-II: Standard and Special Exceptions Explained
  2. How to Prepare Title Commitments - With Examples
    10:00 - 10:45, Philip Peter Apter
  3. When Title Objections Should - and Shouldn't - Be Made
    11:00 - 12:00, Jessica Wagemaker
    1. Insurer's Obligations Under a Title Commitment
    2. Ensuring Sale Contract Provisions Have Realistic Title Examination Timelines
    3. Spotting the Top Title Issues Buyers Must Object To
    4. Survey Issues That Raise Objections
    5. Title Issues That May Not be a Problem: What to do if You're on the Fence
    6. What to do if Objections Must be Made After the Title Examination Period
    7. Lenders and Title Objections: How Much Control do They Have?
    8. Drafting Title Objection Letters That Draw Clear Lines in the Sand - With Examples
  4. Negotiating Removal of Exceptions
    1:00 - 1:45, Steven H. Winkler
    1. Unreleased Mortgages
    2. Judgements and Other Recorded Liens
    3. Real Estate Taxes
    4. Pending Litigation
    5. Covenants, Conditions and Restrictions
    6. Easements, Access and Other Matters
    7. Rights of Re-entry, Reversions and Reverters
    8. Options to Purchase, Rights of First Refusal
    9. Life Estates and Remainders
    10. Leases
    11. Mineral Rights
    12. Water Rights
  5. Using Title Insurance Endorsements to Maximize Protections
    1:45 - 2:30, Lisa Lugauskas
    1. How Title Insurance Works: Owner vs. Lender Policies
    2. ALTA Endorsements vs. Others
    3. Negotiating Endorsements: Coverage, Cost, etc.
    4. Commercial Transactions: Using Endorsements to Provide Protections
    5. Residential Transactions: Essential Endorsements to Use
  6. Alternatives to Endorsements: When and How to Use Them
    2:45 - 3:30, Jessica Wagemaker
  7. Ethical Considerations
    3:30 - 4:30, Lisa Lugauskas
    1. Attorney-Client Relationship
    2. Conflicts of Interest in Real Estate Transactions
    3. Disclosing Defects in Property
    4. Dealing With Unrepresented Parties
    5. Representing Multiple Parties

PHILIP PETER APTER is a managing member of ETS, LLC d/b/a Eastland Title Services, headquartered in South Windsor, Connecticut. The company offers a real estate title searching and recording service covering Connecticut, Rhode Island, Massachusetts, New Hampshire and Maine. He has performed thousands of residential and commercial title examinations. He has lectured on title examining for the Connecticut Bar Association, REBA, and NELTA. Mr. Apter is past director of National Association of Land Title Examiners and Abstracters (NALTEA), and a member of the New England Land Title Association (NELTA). He is accepted as an expert witness by the Connecticut Superior Court. Mr. Apter graduated from Clark University (Phi Beta Kappa, magna cum laude) and the University of Connecticut School of Law.

LISA LUGAUSKAS is vice president and branch counsel of the Fidelity National Title Group. Ms. Lugauskas has extensive speaking experience and earned a Post University Award for excellence in teaching. She is an officer of the Connecticut Title Land Association and an officer and director of the Waterbury Bar Association. Ms. Lugauskas is the chairperson of the Connecticut Bar Association Residential Real Estate Specialization Committee and an officer of the CBA Real Property Section. She is a director of CREW (Commercial Real Estate Women) and is a co-chair of its Professional Development Committee, as well as a member of the Careers Committee. Ms. Lugauskas is admitted to the Connecticut Bar Association, the U.S. District Court, and the U.S. Supreme Court. She earned her B.S. degree, magna cum laude, in political science from the University of Connecticut and her J.D. degree from Brigham Young University.

JESSICA WAGEMAKER is counsel at Chicago, Commonwealth, and Fidelity National Title Insurance Companies. She is a member of the Connecticut Bar Association; a committee member of the Real Property Section Diversity Committee of the Fairfield County Bar Association; and co-chair of the FCBA Real Property Section of the Waterbury Bar Association. Ms. Wagemaker serves as treasurer for the Connecticut Title Association. She earned her B.A. degree, summa cum laude, at Gannon University; and her J.D. degree, magna cum laude, at Western New England University School of Law.

STEVEN H. WINKLER is senior vice president and chief underwriting counsel of Williston Financial Group and its underwriting subsidiary, WFG National Title Insurance Company. Mr. Winkler is admitted to practice in Connecticut and has been in the title insurance industry in a variety of legal and management capacities since 1972. Currently, Mr. Winkler is a member of the Greater Bridgeport, New Haven County, Hartford County, Connecticut (emeritus member; Executive Committee of the Real Property Section, 1979-present) and American bar associations; and the Association of  Corporate Counsel. He has been elected a fellow of the American College of Real Estate Lawyers and the American College of Mortgage Attorneys. He also presently serves on the Forms Committee of the American Land Title Association. He was co-founder and a past president of the Connecticut Title Association, and was a member of the Connecticut Insurance Commissioner's Title Insurance Task Force, Insurance Code Recodification Project. He has spoken many times on title insurance-related topics and is co-author of the Common Interest Ownership Manual (1984). He earned his B.A. degree from Union College, Schenectady, New York, and his J.D. degree from the University of Michigan Law School.

Please refer to Continuing Education Credit FAQ for general information about seeking credit for your participation in one of our continuing education programs.

Additionally, our team of credit specialists are here to answer your specific credit-related questions weekdays 7am - 5pm Central:

Phone: 866-240-1890


Accreditation Details:

Continuing Legal Education

CT CLE: 6.00 Credit Approval Exp
Includes - Ethics: 1.00
Neither the Connecticut Judicial Branch nor the Commission on Minimum Continuing Legal Education approve or accredit CLE providers or activities. It is the opinion of NBI, Inc. that this activity qualifies for up to 6.0 self-study hours toward your annual CLE requirement in Connecticut, including 1.0 self-study hour(s) of ethics/professionalism.

NY CLE: 7.00 Credit Approval Exp
Includes - Areas of Professional Practice: 6.00, Ethics: 1.00
This nontraditional format course has been approved in accordance with the requirements of the New York State Continuing Legal Education Board for up to 7.0 credit hours. 6.0 hours can be applied to the Areas of Professional Practice requirement and is approved for newly admitted and experienced attorneys. 1.0 hour can be applied toward the ethics and professionalism requirement and is approved for experienced attorneys.

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