April `02 The Advocate - The New Jersey Land Title Association

April 2002
Volume XIV, Issue 1
The
New Jersey Land Title Association
NJLTA Organizing a Grass Roots Campaign
By:Michael Grant, President
The New Jersey state elections in November
resulted in a shift of power away from the
Republicans to the Democrats. As I write this
article in early February, the new Administration
and Legislature are in the process of reorganization in Trenton. While we will have to wait for
them to complete their reorganization it has
become clear that our Association may be in
the best position ever to push for bills that can
benefit the title insurance industry while fighting
those that can adversely affect us. We are
especially fortunate this year to have in the
Legislature two members from the title industry,
Ronald Rice who is a Senator and Assemblyman
Albio Sires who is the Assembly Speaker.
IN THIS ISSUE:
NJTA Organizing a Grass
Root Campaign . . . . . .1
NJLTA & The Political
Process . . . . . . . . . . . .3
Title Insurance and
Access . . . . . . . . . . . . .4
The New Jersey Land
Title Association Gets a
New Look . . . . . . . . . .5
What our Association needs to do while the state
government is reorganizing is organize a grass
roots lobbying effort. “Grass roots” means the
basic or fundamental source of the elected representative’s support. That source, of course, is
you and I. Grass roots lobbying involves having
association members personally meeting with or
calling their legislators about issues that affect
our industry asking them to support and vote
for bills favorable to the title industry while
voting against bills that are detrimental. We
especially ask (need, plead, beg) to get association members involved who have personal
friends or relatives that are legislators. A visit or
call from a constituent who the elected official
knows personally is far more effective than a
form letter from a group about whom they
know little.
When any legislative bill is introduced into the
Senate or the Assembly, that bill most likely
will sit without action for the length of the
Legislative Session unless the bill’s sponsor or
other legislators ask that it be moved forward.
It is estimated that only about 10% of the bills
introduced in the Legislature actually become
law. We must request that our representatives
call the chairman of the committee handling
the bill and ask that it be released. Once the bill
reaches the Floor of the Senate or Assembly,
we need to ask all of our legislators to vote
affirmatively for the bill. When the bill passes
the Senate and the Assembly, it goes on to the
Governor. Phone calls to the Governor from
friends in the title industry can answer questions
that he may have and increase the bill’s chances
of being signed into law.
The New Jersey Land Title Association is
currently supporting three bills that we would
like to have passed into law. The first bill
concerns Notary Fees. If this bill becomes law, it
will set the settlement notary fees at $15.00 for
the sellers and $25.00 for the mortgagors respectively. The second bill amends the “Good
Funds Act” to allow a trust check received at
closing from another title agency or an attorney
to be considered “Good Funds”. They currently
are not! The third bill would require the
Department of Treasury to complete Franchise
Tax Reports within 15 business days.
So where do we begin? Start by e-mailing
the names of State Senators or Assembly
Members that you or your employees know
personally to our Executive Director, Ed
Eastman, at [email protected] or to
me, as the Grassroots Advocate, at
[email protected]. You can also fax
the names to Ed Eastman at 732-462-3340.
We will assemble the data and contact you
as the need arises. If you do not know your
representatives personally, you can nevertheless
drop by or call their office to express your
opinion, so e-mail us your name and we will
add you to the list.
Michael Grant
NJLTA President
A publication of the New Jersey Land Title Association, Monmouth Executive Center, 100 Willowbrook Road,
Building 1, Freehold, New Jersey 07728
“The views and opinions expressed by the authors of the published articles are those of the authors or his/her
employer. Consult your underwriter for specific guidelines.”
Editor Michael Kehoe
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NJLTA & The Political Process
By Lydia Fowler, Old Republic Title Insurance Company
The political process is interesting starting with an eventful
campaign, ending with the ultimate winner on Election Day.
Also interesting is how the New Jersey Land Title Association,
The Marcus Group, and the New Jersey Title Insurance
Political Action Committee (NJ/TIPAC) works within the
title insurance industry.
We start with the New Jersey Land Title Association
(NJLTA), which is separate and apart from NJ/TIPAC. The
NJLTA maintains a long-standing relationship with the wellrespected lobbying firm, The Marcus Group. The Marcus
Group, through dedicated time and hands-on experience with
our industry, understands the complexities of the title insurance industry and our needs. As part of the services rendered
by The Marcus Group, legislation is monitored and the
NJLTA is informed. The pending legislation is sent to the
Association’s Legislative Committee for review and report to
the New Jersey Land Title Association. The members of the
New Jersey Land Title Association vote on the position of the
industry and advise the Marcus Group of same. We may
oppose, support, or merely monitor the progress of each bill.
Through the dedicated service of our industry members and
our lobbying firm, New Jersey State legislators are effectively
informed of the positions of the New Jersey Land Title
Association.
NJ/TIPAC is focused on our legislators, but from a different
perspective. The purpose of the New Jersey Title Insurance
Political Action Committee, NJ/TIPAC, as stated in the
bylaws is “.... to encourage and support candidates for public
office in New Jersey who have an interest in the fields of
evidencing title to real estate, conveying and insuring therein,
maintaining, protecting and improving the recording system
and our system for the free ownership and alienation of real
estate, and encouraging enlightened regulation of title insurance underwriters and agents. To fulfill these purposes,
NJ/TIPAC will solicit and accept voluntary contributions
from individuals and corporations which will be used to
support such candidates, all in conformity with applicable laws
and regulations.” NJ/TIPAC does not lobby or take a position on the legislative process. The Marcus Group and industry members lobby. The New Jersey Land Title Association
determines the industry position for pending legislation.
Through the guidance of the Marcus Group, the Trustees of
NJ/TIPAC identify those legislators in a position to further
the interests of our industry. The responsibility of the
Trustees is to solicit funds from industry members and affiliates and to distribute those funds to the identified individuals
who seek public office in New Jersey.
NJ/TIPAC has expanded its Board of Trustees from five to
nine members this year. The nine members actively solicit
contributions from individuals and corporations in accordance
with State and Federal laws. Election year 2001 was an
extremely important election year for supporting the
Gubernatorial, Senate, and General Assembly elections. This
phenomenon happens every four years. The three years in
between is dedicated to obtaining sufficient funding for each
election year and building sufficient funding resources for
election years like 2001.
Support of NJ/TIPAC is in the form of monetary contributions. Equally important, however, is the delivery of contributions by members of our industry who personally know the
candidates. NJ/TIPAC Trustees rely on our industry members for the delivery system. Our legislators are very interested
in our concerns and interests, and through our industry
member, our message is heard through familiar voices. We
have achieved a well-respected open dialogue. Nothing
happens in Trenton without dialogue that is well-informed
framing respected industry positions.
The forum for our informed, respected dialogue has been
earned through the efforts of the New Jersey Land Title
Association members and the Marcus Group. The delivery of
monetary support through the efforts of the Trustees assists in
continued development of the legislative process.
The New Jersey Land Title Association thanks all those who
care enough to serve the people of New Jersey by seeking
political office, and we congratulate all the successful
candidates in our November, 2001 election.
The 2001 Election is over, but the process starts all over again.
The New Jersey Land Title Association also thanks those have
generously given of their time and effort to further the interests of our industry. ■
A Hardy Thank You
Lest we forget,
we want to thank Digitalfun.com
for all the wonderful work they did at our
Newport convention. All the pictures that
were in the last issue of the Advocate were
there by the generosity of DigitalFun.com.
The numerous pictures that they made
available help us to retain those wonderful
moments spent with friends and colleagues.
To purchase a copy of the Photo CD
capturing all the fun call 877-281-8053 or
e-mail [email protected]
3
Title Insurance and Access
By: Steven H. Winkler, Senior Vice President and Special Counsel
Fidelity National Title Insurance Company of New York
Access Insurance in the Policy
Both the American Land Title Association’s Owners and Loan
Policy forms insure “… against loss or damage … sustained or
incurred by the insured by reason of: … 4. Lack of a right of
access to and from the land….” The access incurred is legal
access only. If the property abuts a public street somewhere
(even for a foot) or there is some legal way of getting to the
property, then the title insurer has no liability under this
provision. It does not insure any particular access or developable access or access for a particular purpose.
The title insurance policy excludes matters of zoning, subdivision, and other exercise of the governmental policy power.
Hence, the policy does not deal with issues such as whether
the access is adequate to satisfy subdivision or zoning regulations. For example, a 100 Acre tract that has frontage of 46
feet on an accepted town road has access under the terms of
the policy even though, in order to subdivide the property,
the owner must have the ability to build a road 50 feet wide
that connects with the existing town road. A parcel fronting
on a state highway has access even though the State will not
authorize a curb cut to allow a restaurant to be constructed on
the site.
In some jurisdictions, there are Access Endorsements that
insure that the parcel abuts a particular street that refines the
access to a particular street. There is also a modified Access
Endorsement that insures that an appurtenant easement
provides access to a particular street. Neither of these endorsements have been filed and approved for use in New Jersey.
It is also important to be aware that a title insurance policy
insures title to “land.” Under paragraph 1.(d) of the conditions and stipulations, “The term “land” does not include any
property beyond the lines of the area described of referred to
in Schedule [A], … but nothing herein shall modify or limit
the extent to which a right of access to and from the land is
insured by this policy.” A driveway that crosses the neighbor’s
property, is not insured(in the absence of other endorsements)
so long as there is other frontage. The access insurance will
not create liability in this situation.
4
affecting the title to the land, not excluded or excepted from
coverage, which would entitle a purchaser of the estate or
interest described in Schedule A … to be released from the
obligation to purchase by virtue of a contractual condition
requiring the delivery of marketable title.” Marketability is an
extremely slippery concept, and the definition in the policy is
basically circular. It is designed to allow a claim to be made
before there is an actual failed sale, but it is otherwise obscure.
Clearly, a total lack of access would render title unmarketable,
but access limitations that reduce or eliminate the opportunity
for a particular use may make the property unsaleable at a
particular price to a particular purchaser. Title to a rear lot
that has adequate access over an easement for one house is
marketable even though it cannot be subdivided. It is unlikely
that a title would be deemed unmarketable where there was
some access. Even in the no apparent access situation, there
may be easements by necessity or implication that might save
the day.
Conclusion
While a title insurance policy does provide “Access Insurance,”
it should not be relied upon without other due diligence such
as a survey to accept a property as having the necessary access
for a particular activity. In the title business, it is often easy to
forget that the goal of acquiring property is not to have “title”
to the property or have “access” to the property but to be able
to use the property for some specific purpose. ■
Better Safe Than Sorry
In this day and age when your identity can be stolen, it is good
to plan ahead. Starting with your wallet, you should place the
contents on a photocopy machine, do both sides of each
license, credit card, etc. This will provide you with all the
account numbers and the emergency telephone numbers to
report a missing card. Remember to keep the photocopy in a
safe place. If your wallet is stolen immediately call the vendors
and notify the police.
Similarly, if there is an appurtenant easement that is not
included in the description in the policy, it is not insured,
provided that the property otherwise has access. If physical
access is over an easement that is not mentioned in the insured
description, then the title company does not have liability so
long as there is legal access, even if the legal access is over a
cliff or through a swamp.
Also call the three national credit reporting organizations without delay to place a fraud alert on your name and Social
Security Number. This alert means that if anyone attempts to
open a new account using your name, the agency will have to
call you before it can proceed. It can prevent a lot of damage
and clean up work.
Marketability Insurance
The numbers of these agencies are:
The American Land Title Association Policies also insure
‘against loss or damage … sustained or incurred by the insured
by reason of: … Unmarketability of the title….” Under
paragraph 1.(g) of the Conditions and Stipulations, “unmarketability of title” is defined as “an alleged or apparent matter
Equifax 1-800-525-6285
Experian (formerly TRW) 1-888-397-3742
Trans Union 1-800-680-7289
Social Security Administration (fraud line) 1-800-269-0271
The New Jersey Land Title Association Gets a New Look!
Charles Jones, LLC is pleased to have assisted the New Jersey
Land Title Association (NJLTA) give its website a recent
facelift. Visit www.NJLTA.org to see the changes yourself.
The most noticeable change is the integration of the NJLTA’s
Agency Section site (previously found at www.njlta-agents.org)
into the Association’s site – eliminating redundancy and maintaining the best content from both sites. You can now access
information for the Agency Section right from
www.NJLTA.org. Other changes have been implemented to
make the site more user-friendly and informative for YOU!
Charles Jones, LLC was pleased to work with the New Jersey
Land Title Association to make these changes and assist with
maintaining the site.
Additional links related to the Agency Section include:
• Agency Section Home
• Agency Section Management Board
• Agency Section Members
• Agency Section Committees
The NJLTA Website Committee has also provided a
“Legislation” link to help keep you up to date on pending
New Jersey Land Title
Insurance Rating Bureau
Receives Approval for
Rate Increase
By:
Sheldon
ALTA Counsel
(Reprinted
The New
Jersey Hochberg,
Land Title Insurance
Rating Bureau
with
Permission ofreceived
the American
Land
Titlethe
Association)
(N.J.L.T.I.R.B.)
approval
from
New Jersey
Department of Banking and Insurance for a rate increase
which was effective on January 7, 2002. This rate increase
has two features as follows.
1. Increase in Refinance Rate (Section 4.6.1 of
N.J.L.T.I.R.B.Rate Manual): The refinance rate is
increased by $0.25 in all brackets.
2. Increase in Minimum Underwriting Charge (Section 4.1 of
N.J.L.T.I.R.B.Rate Manual): The minimum underwriting
charge for all transactions is increased to $200.00.
Under section 4.6.1 of the N.J.L.T.I.R.B. Rate Manual, the
Refinance Rate is applicable anytime a “refinance, recast or
substitution loan is made to the same borrower on the same
property” and applies up to “the face amount of the mortgage
or mortgages other than construction loans being refinanced.”
This section of the Rate Manual does not require production
of a prior policy to qualify for the Refinance Rate. ■
changes to laws and regulations impacting the title industry. In
addition, the “Certified Title Professional” and “Scholarship”
links have been made into separate links available from the
homepage.
Please note: Since the Agency Section home page has been
incorporated into the Association web site, you’ll want to
replace your browser Bookmark or Favorite from www.njltaagents.org with www.NJLTA.org. Future announcements
and information updates will only be available on
www.NJLTA.org. The Association’s goal is to make the
revised www.NJLTA.org web site your one-stop for the key
issues and information that impact the title industry in
New Jersey. The Association will continue to make upgrades
to the site in order to provide you with the best possible
information vehicle.
Charles Jones is pleased to maintain and continue to improve
the Association website, but unfortunately is not in a position
to accept change requests directly from Association members.
If you have change requests or recommendations for the site,
please contact Ed Eastman’s office at [email protected],
or Agency Section representatives, Mike Kehoe at
[email protected] or Robert Palmisano at
[email protected]. ■
Save This Date!!!
By:
Michael Kehoe
The New Jersey Land Title Association will be having its
2nd Annual Title Technology Exposition on Thursday,
May 2, 2002 from 9:00 am to 5:00 pm at the beautiful
Forsgate Country Club in Jamesburg, Monroe, New Jersey
located near Exit 8A of the New Jersey Turnpike.
This year’s Expo will be bigger and better than last year’s and
will include continuing education classes for licensed producers.
Be a part of an exciting and growing tradition for the
New Jersey Land Title Association by planning to participate
this year.
Additional information and vendor registration to the
exposition will follow. For a list of vendors please consult
www.njlta.org.
For additional information, contact Maureen Crowley Unsinn
at 800-552-5256, ext 105.
Hope to see you there!!!
5
80th Annual NJLTA Convention at
Michael Grant, you’ve just completed a successful year as
President of the New Jersey Land Title Association. What are you going to do next?
Michael’s response of course was… “I’m going to Disney World!!”
And that’s where you can go too as the New Jersey Land Title Association takes its annual convention to The BoardWalk
Resort at Walt Disney World in Lake Buena Vista, Florida. The convention dates are May 19 –22nd, 2002.
This is a magical time at Disney World as it is the 100th Anniversary of the Walt Disney legacy. In tribute to the man and
his dream, fabulous new attractions, exciting parades and dazzling entertainment will touch your heart and capture your
imagination like never before. The New Jersey Land Title Association is bringing all of this to you and MUCH MORE!
Our agenda is geared for all ages and children are invited to participate in all of the events, including a specially designed
children’s banquet during the installation dinner.
All hotel accommodations must be made separately by calling (407) 934-3372 and telling the operator you are with the
NJLTA group. The special convention room rate is $228.00 plus tax and is available 3 nights before and after the convention dates based upon availability. Airline reservations must also be secured on your own.
The Adult registration fee is $495.00 and includes the following:
(for registration purposes adults are considered age 15 +)
• Full breakfast on Monday, Tuesday and Wednesday
• Opening event dinner at Pleasure Island
• Tickets to see the fabulous LaNouba Cirque du Soleil show
• All meeting and guest speaker events
• Certificate to attend one 5-credit continuing education seminar sponsored by the New Jersey Land Title Institute
• Dessert party and private viewing of the IllumiNations: Reflections of Earth Laser show at EPCOT
• Presidents Cocktail Reception on Tuesday evening
• Installation of Officers Banquet on Tuesday evening
• Photo Ops with your favorite Disney characters
The Child registration fee is $275.00 and includes the following:
(for purposes of registration child rate applies for ages 3 – 14; children under 3 are FREE)
• Full breakfast on Monday, Tuesday and Wednesday
• Opening event dinner at Pleasure Island
• Tickets to see the fabulous LaNouba Cirque du Soleil show
• Dessert party and private viewing of IllumiNations: Reflections of Earth Laser show at EPCOT
• Special children’s banquet with entertainment for all ages on Tuesday evening running concurrently with the
Installation reception and dinner
• Photo Ops with your favorite Disney characters
Any questions should be directed to Beth Way at (856) 428-6880 or [email protected]
Registration information is also available on the NJLTA website: www.njlta.org
We look forward to seeing you at Walt Disney World!
6
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continued on page 8
Who the industry looks to
7
141 Market St., Suite One, Kenilworth, NJ 07033
The Agency Section
By: Michael Kehoe, Chairman
The January meeting was well attended at the Holiday Inn in
Jamesburg off of Exit 8A of the Turnpike. Some of the topics
were:
Unfair Business Practices
The determination by the Department of Banking and
Insurance as to what is an inducement for a specific act is still
unresolved. The first letter was sent to the Department in
October asking for a clarification. At the December meeting of
the Liaison Committee with the Department, the Department
stated that they had not received the letter. A copy was presented and the Director stated that he would respond by the
next Liaison meeting in February. That meeting was cancelled
due to the installation of the new Governor and his
Department Heads. A new letter was sent out March 4, 2002
to again request a response from the Department. We await
the response.
Web Site
The Agency Section web site has been merged with the
Association site, www.njlta.org. This was accomplished
through the efforts of Current Status, Inc., and Charles Jones,
LLC. A presentation by Patrick Roe of Charles Jones, Inc. was
given. There is another article in this newsletter that provides
more information.
By-Laws Revision
A Committee was formed to study, revise and integrate our
By-laws with the Constitution of the Land Title Association.
As pointed out on numerous occasions, there are conflicting
portions between both. An update will be given at the next
meeting in April.
Other items that were noted:
Survey
A survey will be going out shortly asking agents to 1) verify
their information as shown on the web site, 2) determination
of best area(s) to have meetings and 3) gather opinion as to
presenting seminars/classes that provide profession improvement but not Continuing Education Credits.
The increase in refinance rates, the change in recording fees
& how they would be implemented and the mortgage
impairment products were also discussed.
Very little time was spent dealing with mortgage impairment
products (MIP) which needs major attention. Most agents
experienced a great upsurge in refinance orders during the past
year. Every 4 or 5 years we see this cycle in refinances. If the
MIPs take hold this will no longer occur. While ALTA has a
new form of policy for refinances, it has not yet been approved
nor accepted by the lenders. There is also little data to review
to see if the MIPs can effectively cover the risks. ■
Welcome
By:
Michael
Kehoe
The Agency
Section
wishes to welcome the following
new members:
ADVERTISE HERE
AMERICAN TITLE AGENCY, LLC of Guttenberg, NJ
(Delegate: Julia Saloman)
If you want to advertise in
NEW VISION TITLE AGENCY, LLC of Matawan, NJ
(Delegate: Donna M. Alfieri)
MANCHESTER TITLE AGENCY, INC. of Westfield, NJ
(Delegate: Kenneth B. Metz)
NEWELL & TALARICO TITLE AGENCY OF
NEW JERSEY, INC. of Staten Island, NY
(Delegate: Michael R. Newell)
The Advocate
please contact
Michael Huddleston at
Trans-County Title Agency, Inc. at
(732) 846-0600, or
[email protected]
STERLING TITLE AGENCY, LLC of Pennington, NJ
(Delegate: Thomas DeStefano)
8
for further information.
RESOURCES FOR REAL PROPERTY PRACTITIONERS
TEXT REFERENCES:
New Jersey Title Law & Practice
Fineberg, Handbook of New Jersey Title Practice, 2d Ed.
See NJLTI, below
Banks, mortgagees - where are they now?
Kay, Directory
(800) 345-0203
WEB SITES:
Industry Organizations:
NJ Land Title Ass’n
www.njlta.org
American Land Title Ass’n
www.alta.org
NJ Land Title Institute
www.njlti.org
Industry Vendors:
State Capitol and Abstract
www.statecapital.net
Charles Jones LLC
www.cji.com
State of New Jersey - Corporation Information
https://accessnet.state.nj.us/HIndex.asp
People/Organization (generally), Locate
www.anywho.com
www.infospace.com
www.infousa.com/homesite/index.html
www.switchboard.com
www.whowhere.lycos.com
www.555-1212.com
Decedents (dead people)
ssdi.genealogy.rootsweb.com/cgi-bin/ssdi.cgi/
www.state.nj.us./health/vital/vital.htm
Lenders, Locate or Trade Organizations
Mortgage Bankers Ass’n
www.mbaa.org
Public Officials, all states, re recording officials, tax assessors, etc.
www.netronline.com.
Legal Research:
www.njlawnet.com
www.law.cornell.edu
FDIC site, to get histories of fed banks
www.ffiec.gov/nic
Hill Burton sites
http://www.hrsa.gov/osp/dfcr/obtain/HBSTATES.HTM
NJ attorneys with disciplinary proceedings
http://www.cjnj.org/html/the_nj_bartender.html
U.S.Code
http://uscode.house.gov/usc.htm
State of NJ court system
http://www.judiciary.state.nj.us
Congress on the Internet
http://thomas.loc.gov
Dept of State page for getting docs abroad
http://www.state.gov/www/authenticate/index.html
Uniform Laws and Model Acts
http://www.lawsource.com/also/usa.cgi?usm
Bankruptcy Court in New Jersey
http://www.njb.uscourts.gov
http://findlaw.com
HUD
http://www.hudclips.org/cgi/index.cgi
Directory of State licensees
http://www.state.nj.us/lps/ca/director.htm
http://pacer.psc.uscourts.gov/pacerdesc.html
Fed’l Reserve Bank Information
http://www.ffiec.gov/nic/default.htm
NJ Dep’t Banking & Insurance
http://www.naic.org/nj/
NJ Legislature (recent & pending bills)
http://www.njleg.state.nj.us/
NJ Courts
http://www.judiciary.state.nj.us/
US Code
http://www4.law.cornell.edu/uscode/
Disciplinary cases re NJ Att’ys
http://www.cjnj.org/html/the_nj_bartender.html
Nat’l Conference Commis. Uniform Laws
http://www.nccusl.org/
US Gov’t Printing Office (fed’l laws & bills)
http://www.nccusl.org/
New Jersey League of Community and Savings Bankers
(tracing former lending institutions)
http://www.njleague.com/BankMerge.htm
Limited Liability Co & Ptnrship laws
http://c2.com/w2/bridges/LnetStatePages
NJ Judiciary information
http://www.judiciary.state.nj.us/resource.htm
Law resources
http://www.burlco.lib.nj.us/law/
HUD
http://www.hudclips.org/cgi/index.cgi
Legal Research & Misc. useful info
http://findlaw.com/
http://lawguru.com/
http://www.lawresearch.com/
http://www.access.gpo.gov/su_docs/aces/aaces002.html
Lending Industry Sites:
Mortgage Bankers
www.mbaa.org
NJ Savings Institutions, merger info for
www.njleague.com/BankMerge.htm
www.payoffassist.com
Nehemiah Program
www.getdownpayment.com
Bank mergers ,NJ
www.naic.org/nj/mergers.htm
MERS
www.mersinc.org/index1.htm
Deep Search Sites
http://www.invisibleweb.com/
http://gwis2.circ.gwu.edu/%7egprice/direct.htm
http://www.completeplanet.com/
http://www.webdata.com/webdata.htm
http://beta.profusion.com/
http://dir.lycos.com/reference/searchable_databases
http://infomine.ucr.edu/search.phtml
9
On the Move
MEETINGS
By: Advocate
Cindy isCarlamereMaureen
Crowley
The
pleased to start a new column
so that the
Unsinn,
CTPTitle Association Members will be able to
New
Jersey Land
learn about promotions, new employment and similar news of
interest to the readers.
Chicago Title Insurance Company has signed on
Richard L. Eland, Esq., as a new Senior Underwriter in its
East Brunswick Office.
New Jersey Title Insurance Company announces that
Frank A. Melchior, Esq., has joined its staff as Vice President
and Senior Underwriting Counsel.
First American Title Insurance Company has seen the return
of Maureen Crowley-Unsinn as Assistant Vice-President and
Agency Representative.
First American Title Insurance Company has promoted
Denise E. Baccichi to the position of Agency Representative,
working out of First American’s Iselin office.
Fidelity National Title Insurance company has announced
that Michael Frederick, III, is now an Agency Representative
with the company.
Current Status, Inc. announced that Amy Holder and
Fred Burnett have been promoted to Co-Presidents of the
company.
To make this column useful, it is important that you, the
reader, keep us informed of relevant news so that we can
publish it. Please submit items to Frank Melchior at
[email protected] or, if you prefer, by fax to
(973) 331-9099. ■
Board of Governors Meeting
March 20, 2002
Sheraton at Woodbridge Place
Agency Section Meeting
April 11, 2002
Holiday Inn, Jamesburg, NJ
Free Agency Section CE Seminar
April 11, 2002
Holiday Inn, Jamesburg, NJ
Tech Expo
May 2, 2002
Forsgate Country Club, Jamesburg, NJ
ALTA Federal Conference
May 5-7, 2002
Grand Hyatt, Washington, DC
NJLTA Convention
May 19-21, 2002
Disney World, Lake Buena Vista, FL
NJLTA Annual Convention
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