Introduction To Title Curative (Mortgage Pre-Closing)

Mortgage Pre-Closing | Title Curative | Mortgage

What you'll learn

How to review and recognize Title issues

How to resolve vesting issues

How to resolve Liens and Mortgage issues

Resolves title clearance issues to get deal closed

How to Communicates with lenders and borrowers to obtain all necessary title clearance requirements

Requirements

No prior knowledge required in Mortgage industry

Basic computer or mobile with Internet connection

Description

Title Curative Course – Detailed DescriptionThe Title Curative Course is a comprehensive, industry-focused training program that prepares participants to effectively identify, analyse, and resolve defects or issues found in property titles. These title defects can disrupt or delay real estate closings, making the curative process a critical component of successful real estate transactions. The course provides learners with in-depth knowledge of title clearing procedures, legal frameworks, and document handling required to ensure clean, marketable titles.Why This Course MattersIn today’s real estate market, title issues are common and can significantly impact property sales, refinancing, or development. Problems such as unreleased liens, missing signatures, incorrect legal descriptions, or conflicting ownership claims can derail transactions and result in financial loss or legal disputes. The title curative process involves resolving these problems quickly and accurately to allow closings to proceed without risk.This course bridges the gap between title examination and transaction closing by teaching the "how-to" of curative work. Whether you're a new entrant to the field or an experienced professional, the course offers valuable insights that enhance your problem-solving ability and reduce liability risks for your company or clients.What You Will Learn:Throughout the course, learners will gain a detailed understanding and practical skills in areas such as:Title Basics and Title ReportsComponents of a title commitment (Schedule A, B-I, B-II)Legal descriptions, vesting, encumbrancesUnderstanding preliminary title reportsCommon Title Defects and How to Spot ThemBreaks in the chain of titleName mismatches or misspellingsMarital status discrepanciesUndischarged mortgages or trust deedsForged or incorrect documentsMissing probate or estate filingsInvalid powers of attorneyLiens and EncumbrancesIRS and state tax liensMechanic’s liensHomeowners Association (HOA) liensUCC filingsMunicipal code enforcement and utility liensJudgment liens and bankruptcy noticesLegal Documents Used in the Curative ProcessCorrective deedsAffidavits (identity, heirship, death, etc.)Releases and satisfactionsSubordination agreementsPowers of attorneyProbate documents (wills, letters testamentary)Requesting and recording curative documentsTimelines for resolution and follow-up best practicesFinalizing and Clearing TitleCurative checklist and documentation reviewRe-verification of public recordsUpdating title commitmentsApproval from the title underwriters before closing

Overview

Section 1: Introduction

Lecture 1 Introduction

Lecture 2 What you will learn and how this course is designed

Lecture 3 What is Title Curative

Lecture 4 What is Real Estate Deal

Lecture 5 What is Title Search

Lecture 6 What is Title Insurance

Lecture 7 Who will issue the Title Insurance

Lecture 8 How title search will initiate based on transaction type

Lecture 9 What is the importance of Title Insurance in real Estate

Lecture 10 How title companies will research on property and property owners

Lecture 11 What are Public Records

Lecture 12 What is Preliminary Report or Commitment

Lecture 13 Title Insurance Policies

Lecture 14 Title Insurance Policies Part Two

Lecture 15 Title Insurance Policies Part Three

Lecture 16 Buyer & Seller

Lecture 17 Escrow Account

Section 2: Vesting

Lecture 18 Vesting

Lecture 19 Sole Ownership

Lecture 20 Husband and wife as joint tenants or Joint tenants with rights of survivorshi

Lecture 21 Community property or community property with rights of survivorship

Lecture 22 Husband and wife, as tenants by the entirety

Lecture 23 Tenants in common

Lecture 24 Trust

Lecture 25 Domestic Partnership

Lecture 26 Entity Part One

Lecture 27 Entity Part Two

Lecture 28 Entity Part Three

Section 3: Deed Documents

Lecture 29 Deed

Lecture 30 Deed Part 1

Lecture 31 Deed Part 2

Lecture 32 Deed Part 3

Lecture 33 Deed Part 4

Lecture 34 Deed Part 5

Section 4: Liens and Encumbrances

Lecture 35 Liens and Encumbrance

Lecture 36 Deed of Trust and Mortgage

Lecture 37 Judgement

Lecture 38 Notice of Commencement

Lecture 39 UCC or Financing Statement

Lecture 40 Bankruptcy

Lecture 41 Abstract of Judgment

Lecture 42 Support Judgment

Lecture 43 Mechanic Lien

Lecture 44 Property Liens

Section 5: Property Tax

Lecture 45 Property Tax

Lecture 46 Property Address

Lecture 47 Homestead and Investment Property

Lecture 48 Subordination Agreement

Lecture 49 Assignment of Deed of Trust or Mortgage

Section 6: Software Technology

Lecture 50 Part 1

Lecture 51 Part 2

Lecture 52 Part 3

Lecture 53 Part 4

Lecture 54 Part 5

Section 7: Title Curative

Lecture 55 Title Curative

Lecture 56 Resolve Vesting and Money Matters

Lecture 57 One person, or single man, or a single woman

Lecture 58 Single person to married person

Lecture 59 Married to single

Lecture 60 Single Persons to Married Couple

Lecture 61 Husband and wife to single man and single woman

Lecture 62 Husband and wife to single person

Lecture 63 Single person to multiple persons

Lecture 64 Trust

Lecture 65 Entity

Lecture 66 Resolving Deed of Trust and Mortgage

Lecture 67 Resolving UCC

Lecture 68 Resolving Property Liens

Lecture 69 Resolving Notice of Commencement

Lecture 70 Resolving General Liens

Lecture 71 Dealing with Bankruptcy

Lecture 72 Subordination Requirement

Section 8: Additional Topics

Lecture 73 Trust Agreement

Lecture 74 Affidavit of death

Lecture 75 Divorce

Lecture 76 Entity documents

Lecture 77 Title Policy Request

Lecture 78 Final conclusion

Those studying real estate, finance, or related fields,Individuals considering a career switch to the mortgage industry,Mortgage Processors,Anyone seeking a career in title or escrow services,Title agents and examiners