Kelsey Wright
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Recent activity by Kelsey Wright-
What is the Florida Intangible Tax?
The Florida Intangible Tax is a one-time nonrecurring tax imposed on obligations to pay money to the extent that the obligation is secured by a mortgage or lien on real property in Florida. This ta...
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What is the North Carolina Commitment Fee?
Under N.C.G.S 24-1.1A(c)(1), transactions in North Carolina will include a commitment charge of $16.50 for an Owners Policy, a Lender's Policy or an Owner's Policy that includes one Lender's Policy...
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What Fees Does LodeStar Guarantee?
LodeStar guarantees the following fees: Title Insurance: Lender's Title Policy Owner's Title Policy Simultaneous Policy Calculations Endorsements (Customarily included and optional endorsements) S...
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TRID/CFPB Versus the "Old Way" for Disclosing Title Premiums
LodeStar, as a default on purchase transactions that require both a lender’s and owner’s policy, discloses according to consumer financial protection bureau (CFPB) / TILA-RESPA Integrated Disclosur...
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What is the Minnesota County Conservation Fee?
In the state of Minnesota, there are ten counties which participate in the Minnesota Agricultural Land Preservation Program. Each participant—Anoka, Carver, Dakota, Hennepin, Ramsey, Scott, Waseca,...
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Adding Someone to a Deed on a Refinance (Assumption of Mortgage)
When a borrower takes over an existing mortgage from the current borrower/owner—commonly referred to as an "Assumption of Mortgage"—there are multiple requirements that may be placed upon the party...
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Florida Refinances - Reissue and Substitution Rates
Within the state of Florida, there are multiple rates that can be used for a Refinance. This article will explain each rate, how they are calculated and how LodeStar will quote them."Original Debt"...
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New York Lender Paid Mortgage Tax
New York state has many quirks and complexities that must be accounted for when preparing the LE. One which is unique to New York is the portion of state mortgage tax that is paid by the lender. Ex...
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Fees Included with HELOC Quotes
Interested in quoting HELOC loans within LodeStar? Here are the fees that we include when quoting a HELOC loan: Section C: Lender's Premium Policy (Optional) Closing Fee Misc. Title Agent Fees End...
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What is the Iowa Title Guaranty Fee?
What is the Iowa Title Guaranty Fee? Iowa is the only state in the US that guarantees its titles. Iowa Title Guaranty (ITG) is a not-for-profit division of the Iowa Finance Authority that provides ...