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2021-05-13T20:05:30Z

Maxfleischman: /* Welcome to WFG-kipedia! */

== Welcome to WFG-kipedia! ==
WFG's underwriting, searching and closing quick reference.

You can log in with the little person icon at the top right.

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WFG-kipedia is a work in progress. Each state has its own little variations and different rules and we're attempting to compile those into both a quick reference and a more detailed reference here. We know it it not complete and on some points contains inaccuracies. For that reason, its use is limited to WFG employees. While we hope it will eventually improve to the point that it can become a valuable resource for our agents, but it's not there yet. So please don't share your access credentials, and any use by persons who are not employees of WFG is strictly forbidden.

In the meantime, this works very much like "Wikipedia" -- if you know the right answer to something that is missing, add it. If you have discovered some unusual practice, law or rule in a state and think your co-workers would benefit from knowing it, please take a minute to add it. This system does track all changes, and you do need to be logged in to make changes. (the little person figure in the upper right).

Thanks for helping us make this another valuable WFG resource!

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==States==

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
style='border-collapse:collapse;border:none'>
<tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Alabama]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Alaska]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Arizona]]
</td>
</tr>
<tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Arkansas]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[California]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Colorado]]
</td>
</tr>
<tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Connecticut]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Delaware]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Florida]]
</td>
</tr>
<tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Georgia]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Hawaii]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Idaho]]
</td>
</tr>
<tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Illinois]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Indiana]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Iowa]]
</td>
</tr>
<tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Kansas]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Kentucky]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Louisiana]]
</td>
</tr>
<tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Maine]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Maryland]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Massachusetts]]
</td>
</tr>
<tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Michigan]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Minnesota]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Mississippi]]
</td>
</tr>
<tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Missouri]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Montana]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Nebraska]]
</td>
</tr>
<tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Nevada]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[New Hampshire]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[New Jersey]]
</td>
</tr>
<tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[New Mexico]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[New York]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[North Carolina]]
</td>
</tr>
<tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[North Dakota]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Ohio]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Oklahoma]]
</td>
</tr>
<tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Oregon]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Pennsylvania]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Rhode Island]]
</td>
</tr>
<tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[South Carolina]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[South Dakota]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Tennessee]]
</td>
</tr>
<tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Texas]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Utah]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Vermont]]
</td>
</tr>
<tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Virginia]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Washington]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[West Virginia]]
</td>
</tr>
<tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Wisconsin]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Wyoming]]
</td>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[Washington DC]]
</td>
</tr>
<td width=213 valign=top style='width:159.6pt;padding:0in 5.4pt 0in 5.4pt'>
[[US Virgin Islands]]
</td>
</table>

==National & Multi-State Topics ==

*[[Affidavit Practice]]

*[[Bankruptcy]]

*[https://uww.wfgnationaltitle.com/images/5/51/Bush_Nielsen_Title_and_Escrow_Claims_Guide_2020_Edition.pdf Bush Neilsen Title & Escrow Claims Guide 2020]

*[[Closing Protection Letter Litigation]]

*[[Covenants of Title]]

*[[Delaware Statutory Trust]]

*[[Divorce and out of state Property]]

*[[Doing Business Requirements]]

*[[Due on Sale Clauses]]

*[[Federal Forfeiture]]

*[[Federal Tax Liens]]

*[[FinCEN Geographic Targeting Orders]]

*[[Foreclosing other Federal Liens]]

*[[Foreclosure Moratoria COVID]]

*[[FIRPTA]]

*[[Generic Probate]]

*[[Good Funds]]

*[[Indian Lands]]

*[[Integrated Mortgage Disclosure]]

*[[International Notary]]

*[[Medicaid Liens]]

*[[Military Powers of Attorney]]

*[[Multi-State Comparisons]]

*[[Mutual Indemnification Agreements]]

*[[Privacy Laws -- GLB]]

*[[Railroad Issues]]

*[[REAL ID Act]]

*[[RESPA]]

*[[Rights of First Refusal, Rights of First Offer]]

*[[Series LLC]]

*[[Service Members' Civil Relief Act]]

*[[Shari'ah Loans]]

*[[Short Form Considerations]]

*[[Specially Designated Nationals & Other Searches]]

* [[Tenancies]]

*[http://www.ncsl.org/research/fiscal-policy/real-estate-transfer-taxes.aspx Transfer Taxes]

*[[WFG TRID Resources]]

*[[UCC]]

*[[Underwriting Research]]

*[[Veterans Administration (VA) Loans]]

*[[8.1 Exceptions]]

 

==Forms==

*[[State Deed & Recording Forms]]

*[[Affidavit and Curative Forms]]

==Multi-State Summaries==

Validated Summaries
*[[Multi-State_CPL_States_Rates_and_Forms]]
*[http://uww.wfgnationaltitle.com/images/1/1d/Trustee_Requirements_in_each_State.xls Deed of Trust Trustee Requirements]
*[https://uww.wfgnationaltitle.com/images/c/c0/State_Statutes_Allowing_a_Bankruptcy_Discharge_as_a_Lien_Release.docx State laws releasing lien after BK Discharge]
*[[Mobile Homes - Conversion to Real Property]]
*[https://uww.wfgnationaltitle.com/images/7/71/WFG_Good_Funds_By_State_Matrix_4-28-17.xlsx Good Funds by State]
*[https://uww.wfgnationaltitle.com/images/7/7f/Escheat_summary_04-17-2017.xlsx Escheat Summary]
*[https://uww.wfgnationaltitle.com/images/2/23/50_state_search_requirements_Final.xlsx Search Requirements]
*[[Marketable Record Title Acts]]
*[[Mechanics Liens]]
*[https://uww.wfgnationaltitle.com/images/1/1a/WFG_State-By-State_Licensing_Requirements_%282019-06-03%29.xls State Licensing Requirements 6-3-2019]

These materials have been pulled from other sources but not verified. They may or may not be current or reliable.

*[https://uww.wfgnationaltitle.com/images/5/5e/2020_Attorney_State_Breakdown.pdf 2020 Attorney State Breakdown - Oct. Research]
*[https://uww.wfgnationaltitle.com/images/e/e9/StateLaws-on-GiftingRebating-and-Inducements2.pdf Inducements and Rebates]
*[http://uww.wfgnationaltitle.com/images/5/55/50_State_Survey_of_Mechanics_Lien_Rights.pdf Mechanics Liens]
*[http://uww.wfgnationaltitle.com/images/6/69/5o_State_Probate_ACTEC.pdf Probate]
*[http://uww.wfgnationaltitle.com/images/7/77/50_state_recording_requirements_Lenders_Title_Services.pdf Recording Requirements]
*Spousal Signatures
**[http://uww.wfgnationaltitle.com/images/9/97/50_State_Spousal_SIgnatures.xlsx Spousal Signatures]
**[http://uww.wfgnationaltitle.com/images/b/b0/State_by_state_guidelines1_for_spousal_signature.xlsx Spousal Signatures]
*[https://uww.wfgnationaltitle.com/images/4/44/The_Ultimate_Real_Estate_Compliance_Manual.pdf The Ultimate Real Estate Compliance Manual]
*Usury Laws
**[https://www.cuna.org/uploadedFiles/Advocacy/Priorities/State_Government_Affairs/a-z_usury_lawguide.pdf State Usury Guide]
**[https://www.upcounsel.com/lectl-state-interest-rates-and-usury-limits UpCounsel Usury Guide]
*[https://uww.wfgnationaltitle.com/images/3/3e/FNAS_Survey_Requirements_4.11.17.pdf Survey Requirements]
*[http://uww.wfgnationaltitle.com/images/8/8c/50_state_wet-dry_funding_good_funds.pdf Table Funding Practices]
*[http://uww.wfgnationaltitle.com/index.php/File:50_state_survey_of_T_by_Entireties.pdf Tenancy By Entireties]
*[http://uww.wfgnationaltitle.com/images/f/f2/50_state_UPL_summary.docx UPL]
*[https://uww.wfgnationaltitle.com/skins/common/images/icons/fileicon-pdf.png Stewart State Laws and Customs]
*[https://uww.wfgnationaltitle.com/images/f/f8/Chicago_Title_50_state_law_and_customs.pdf Chicago Real Estate Laws and Customs by State]
*[https://uww.wfgnationaltitle.com/images/0/0c/FATCO_Your_Guide_to_RE_Customs_by_State_final1.pdf First Am Guide to Customs by State]
*[https://uww.wfgnationaltitle.com/images/1/14/50_State_Reference_Land_Am.xls Land Am 50 State Reference]

==Underwriter Resources==

*[[Bulletin Forms and Processes]]

*[[Cautionary Notices Forms and Processes]]

*[[Computer References]]

*[[Educational Course Materials]]

*[[Endorsement Information]]

*[https://www.fanniemae.com/multifamily/guide Fannie Mae Multifamily Guide]

*[https://www.fanniemae.com/content/guide/sel070319.pdf Fannie Mae Single Family Selling Guide 7/3/19]

*[https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh/4235.1 HUD Home Equity Conversion Mortgages Handbook (4235.1)]

*[[Indem & MIA Forms & Processes]]

*[[Legal Department Goals]]

*[[Lender Response Materials]]

*[[NTS Contacts & Escalation]]

*[[Privacy Policy]]

*[[SDN Hits - OFAC]]

*[[WFG Powerpoint Templates 2018]]

*[[Underwriter Information]]

* Consult the [//meta.wikimedia.org/wiki/Help:Contents User's Guide] for information on using the wiki software.

==WFG Company Information==

*[https://uww.wfgnationaltitle.com/index.php/File:ORG_CHART_-_WFG_FAMILY_10-01-20.pdf Williston Org Chart 10-1-2020]
*[https://uww.wfgnationaltitle.com/images/6/6e/Williston_Org_Chart.pdf Williston Org Chart 12-11-2017]

===Form 9 Annual Reports===

*[https://uww.wfgnationaltitle.com/images/5/53/WFGNTIC.Form9.AS.2015.pdf 2015 Form 9 Annual Statement]
*[https://uww.wfgnationaltitle.com/images/1/1f/WFGNTIC_51152_2016_Form_9.pdf 2016 Form 9 Annual Statement]
*[https://uww.wfgnationaltitle.com/images/a/ac/WFGNTIC.Form9.AS.2017.pdf 2017 Form 9 Annual Statement]
*[https://uww.wfgnationaltitle.com/images/8/83/WFGNTIC.Form9.AS.2018.pdf 2018 Form 9 Annual Statement]
*[https://uww.wfgnationaltitle.com/images/e/e5/WFGNTIC.Form9.AS.2019.final.pdf 2019 Form 9 Annual Statement]
*[https://uww.wfgnationaltitle.com/images/5/58/WFGNTIC.AS.2020.Form9_-_Final.pdf 2020 Form 9 Annual Statement]
*[https://uww.wfgnationaltitle.com/images/3/32/WFGNTIC.Q2.2020.Form9_-_Final.pdf 2Q 2020 Form 9 Quarterly Statement]
*[https://uww.wfgnationaltitle.com/images/f/fb/WFGNTIC.Q3.2020.Form9_-_Final.pdf 3Q 2020 Form 9 Quarterly Statement]

===State of the Company Report ===

*[https://uww.wfgnationaltitle.com/images/1/1f/Tools_we_have_available_rev%27d_1-11-21.docx State of the Company 2Q 2020]
*[https://uww.wfgnationaltitle.com/images/0/00/WFG-State-of-Co-Q1-2019.pdf State of the Company 2019]
*[https://uww.wfgnationaltitle.com/images/WFG-State-of-the-Company-Report.pdf State of the Company 2018]
*[https://uww.wfgnationaltitle.com/wp-content/uploads/2017/07/WFG-State-of-Co-July-2017.pdf State of the Company 2017]

WFG Wiki - User contributions [en]

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