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A full-service abstract, research and licensed title insurance provider offering service throughout New York State.

June 11, 2018

Welcome Back!

After a nearly six year hiatus, Vanguard Research & Title Services, Inc. is pleased to welcome Sara (Pinzer) Bond back to our Oswego branch. Sara brings with her nearly two decades of abstracting experience in Oswego County and will prove to be a valuable addition to our already dedicated Oswego team.
Welcome back, Sara!


SaraEmail

May 25, 2018

The Vanguard Research & Title Services CLE Series

Vanguard Research & Title Services, Inc. is sponsoring a four-part CLE, The Vanguard Research & Title Services CLE Series, in cooperation with the Onondaga County Bar Association. This four-part series aims to provide a basic blueprint to understand the realities of practicing Real Property Law.


June 19, 2018
Part One: Understanding Abstracts of Title and Title Insurance

presented by Gilbert M. Hoffman, Esq. | Chief Underwriting Counsel, Vanguard Research & Title Services, Inc.

June 26, 2018
Part Two: Hot Topics in Real Property Litigation

presented by Thomas E. Taylor, Esq.; Joshua Werbeck, Esq.; and Ryan Suser, Esq. | Bousquet Holstein PLLC

July 10, 2018
Part Three: Real Estate Contracts

presented by Vaughn D. Lang, Esq.

July 17, 2018
Part Four: Real Property Practice

presented by Anthony Gigliotti, Esq. | Chief Counsel, Grievance Committee

A free lunch will be offered at each session provided by Old Republic National Title Insurance Company.

Under NYS rules this CLE has been APPROVED for Experienced and Newly Admitted Attorneys.

Register Here

April 9, 2018

Title Insurance Rate/Rule Changes Go Into Effect

April 8, 2018, the Sixth Revision of the TIRSA Title Insurance Rate Manual for New York State went into effect.


This sixth revision is intended to clarify and better organize the rules as well as update some rules, mostly for commercial transactions.


1] The following sections have been eliminated:

  • Section 17-Mortgage Assumption
  • Section 20-Bulk Fee, Leasehold
  • Section 21- “Limited Liability” Mortgage Coverage
  • Section 22- Affirmative Covenant Insurance

2] Part I-Definitions and Rules

  • Section 1 (New) - Definitions have been added to clarify particular terms used within the rules and consolidate these terms into one place.
  • Section 11 (New) - Mortgages insured upon acquisition of property when an Owner’s Policy covering ALL of the mortgage property is NOT simultaneously issued.

    This covers both purchase loans and construction loans issued at the time of land acquisition. It provides for unreduced rates.
  • Section 15 (New) - Collateral Mortgages
    Provides for the issuance of simultaneous Loan Policies covering different properties securing a single indebtedness.
  • Section 27 - Endorsements
    Formerly Section 25, adds the New York City Development Rights Endorsement and a New Increase in Amount of Insurance Endorsement to the list of Special Risk Endorsements.

    The base charge for endorsements not listed as Special Risk Endorsements changes from $25.00 to $50.00.
  • Section 2 - Rules
    Formerly Section 1, the new subsection 2(k) regarding survey exceptions expressly permits elimination of changes since the date of the survey for commercial properties.
  • Section 3 - Zones
    Formerly Section 2, rate Zones remain the same as do the basic rates in each Zone. This section now clarifies which searches are included in the Zone 2 premium.
  • Section 5 - Minimum Insurance: Owner’s Policy-Additional Insurance
    Includes a provision of an Increase in Amount of Insurance Endorsement allowing for the amount of insurance in a then-existing Owner's Policy to be increased without changing the date of policy. The rate charged is the applicable build-up rate at the date of issuance of the endorsement.
  • Section 9 - Construction Mortgage Insurance
    This reworks former Section 12 with changes in the details regarding modifications to permanent loans and simultaneous issuance with an Owner’s Policy. The section retains the $200.00 charge for each continuation (advancement report) beyond five, while clarifying that additional continuations shall be charged for additional tax lot searches if the tax lot is subdivided in the course of construction. Provision is also made for reduced rate modification to a permanent loan at a reduced rate for certain no consideration transfers.
  • Section 12 - Refinance and Subordinate Mortgage
    Incorporates former Section14 and is expanded to include construction mortgages.
  • Section 13 - Mortgage Modification
    Formerly Section 16, this provides that the mortgage modification rate can be applied even if the mortgage is more than ten years old. This brings the modification rate in line with the refinance rate.
  • Section 17 - Owners Policy to Foreclosing Lender
    Formerly Section 15, this deletes the five-year limit on the age of the loan policy in order to qualify for the discounted “mortgage foreclosure” rate.
  • Section 18 - Entity Purchase and Non-Imputation
    Formerly Section 30, this section provides for the issuance of an Owner’s Policy in the context of non-imputation and has been completely revised with the addition of ALTA forms of non-imputation endorsement, one for a full equity transfer and one for a partial equity transfer.
  • Section 19 - Mezzanine Financing Insurance
    Formerly Section 35, this allows for more flexibility in the minimum amount of insurance in an Owner’s Policy that is being issued simultaneously with a mezzanine endorsement. The Owner’s Policy may be issued in the amount of the mezzanine loan even if the loan amount is less than full value of the property.

Title insurance rates used by Vanguard Research & Title Services, Inc. are based on the "Title Insurance Rate Manual for New York State" as provided by the Title Insurance Rate Service Association, Inc. (TIRSA).


The Sixth Revision of the manual became effective April 8, 2018 and is available for download here.

March 5, 2018

Brand New Website

Vanguard Research & Title Services, Inc. is pleased to announce the launch of our newly redesigned website. Our enhanced site provides current and potential customers with essential information regarding our services and products, as well as quick access to our custom software and programs including Abstract Locator, Forefront, Abstract Vault, and more.

Welcome to vgrti.com!

September 20, 2017

Welcome our new Chief Underwriting Counsel

Vanguard Research & Title Services, Inc., with offices in Syracuse and Oswego, New York, is pleased to announce that Gilbert M. Hoffman, Esq., currently of Counsel to Bousquet Holstein PLLC in Syracuse, will be joining us as Chief Underwriting Counsel, effective September 25, 2017.


Gil is currently the co-chair of the New York State Bar Association's Title and Transfer Committee and of the Onondaga County Bar Association's Real Property Law Section. He is also a frequent lecturer on real property title and title insurance matters.


GilEmail

Vanguard Research & Title Services, Inc.
Vanguard Research & Title Services, Inc. is a full-service research and title insurance provider offering comprehensive real property research, title insurance products, and services throughout the State of New York. If there is a service you require that we do not currently provide, please contact us about building a custom solution for you.
CORPORATE OFFICES:
499 South Warren Street, Syracuse, New York 13202
315-422-6031 | 800-294-3740
Privacy Policy | Mission Statement | Rates & Fees | Newsletter | Contact Us
© 2012- Vanguard Research & Title Services, Inc. All rights reserved.
RESEARCH SERVICES
Abstracts of Title
Court Records
Corporate Services
Government Projects
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TITLE SERVICES
Commercial
Residential
Industrial
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OFFICE LOCATIONS
Onondaga County | Oswego County
POLICY ISSUING AGENT FOR
Fidelity National Title Insurance Company
Old Republic National Title Insurance Company
WFG National Title Insurance Company
Licensed New York State Title Insurance Agent: TLA-1361055
Vanguard Research & Title Services, Inc. is a full-service research and title insurance provider offering comprehensive real property research, title insurance products, and services throughout the State of New York.
CORPORATE OFFICES:
499 South Warren Street, Syracuse, New York 13202
315-422-6031 | 800-294-3740
OFFICE LOCATIONS
Onondaga County | Oswego County
POLICY ISSUING AGENT FOR
Fidelity National Title Insurance Company
Old Republic National Title Insurance Company
WFG National Title Insurance Company
Licensed New York State Title Insurance Agent: TLA-1361055
© 2012- Vanguard Research & Title Services, Inc.
All rights reserved.
Privacy Policy | Mission Statement | Rates & Fees | Newsletter | Contact Us

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