Nevada Schedule of Title Insurance Rates
_______________, 2023
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TABLE OF CONTENTS
Page
SECTION A DEFINITIONS........................................................................................................................ 1
SECTION B GENERAL PROVISIONS .....................................................................................................2
B.1 COMPUTATION OF RATES AND CHARGES ............................................................................. 2
B.2 RATES AND CHARGES FOR UNUSUAL, DIFFERENT, OR ADDITIONAL RISKS OR
SERVICES ...................................................................................................................................3
B.3 CREDIT FOR REPORTS OR COMMITMENTS ON SUBSEQUENT COMMERCIAL
POLICIES ..................................................................................................................................... 3
B.4 REINSURANCE ............................................................................................................................3
B.5 ADDITIONAL CHARGES..............................................................................................................3
SECTION C BASIC TITLE INSURANCE RATE.......................................................................................3
SECTION D ENDORSEMENTS................................................................................................................ 4
SECTION E OWNER’S INSURANCE....................................................................................................... 4
E.1 OWNER’S POLICY OTHER THAN THOSE ADDRESSED IN OTHER SECTIONS OF
THIS SCHEDULE.........................................................................................................................4
E.2 CONTRACT VENDEE ..................................................................................................................4
E.3 CONVERSION OF AN INSURED LEASEHOLD ESTATE TO A FEE ESTATE .......................... 5
E.4 SHORT TERM RATE....................................................................................................................5
E.5 RE-ISSUE OF OWNER’S INSURANCE (UPDATE/INCREASE/UPGRADE) .............................. 5
E.6 OIL AND GAS OR MINERAL INTEREST..................................................................................... 6
E.7 OPTIONEE’S POLICY .................................................................................................................. 6
E.8 BINDER TO INSURE RESALE.....................................................................................................7
E.9 RESALE INVESTMENT PROPERTY RATE ................................................................................7
SECTION F LENDER’S INSURANCE...................................................................................................... 8
F.1 LOAN POLICY OTHER THAN A LOAN POLICY ADDRESSED IN OTHER SECTIONS
OF THIS SCHEDULE................................................................................................................... 8
F.2 LOAN POLICY WITH SALE - NO CONCURRENT OWNER’S POLICY...................................... 8
F.3 CONCURRENT LOAN POLICY.................................................................................................... 8
F.4 REFINANCE RATE - RESIDENTIAL PROPERTY....................................................................... 9
F.5 MULTIPLE LOANS ....................................................................................................................... 9
F.6 CENTRALIZED LOAN RATE........................................................................................................9
F.7 ALTA RESIDENTIAL LIMITED COVERAGE LOAN POLICY.....................................................10
F.8 BINDER TO INSURE FUTURE FINANCING .............................................................................10
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F.9 REISSUE OF LOAN POLICY (LP-10 Rewrite) ...........................................................................10
F.10 equiSMART MASTER LOAN PROGRAM ..................................................................................11
F.11 equiLite™ RESIDENTIAL LIMITED COVERAGE LOAN POLICY .............................................11
F.12 ALTA RESIDENTIAL LIMITED COVERAGE MORTGAGE MODIFICATION POLICY .............. 11
SECTION G NEW HOME/SUBDIVISION RATE..................................................................................... 12
SECTION H MAJOR PROJECTS........................................................................................................... 12
SECTION I TIMESHARE ....................................................................................................................... 16
I.1 TIMESHARE TITLE FEES – DEVELOPER PROJECT TITLE POLICIES .................................16
I.2 TIMESHARE TITLE FEES – BASIC RATE TITLE POLICIES....................................................17
I.3 FRACTIONAL INTEREST SERVICES .......................................................................................17
SECTION J GUARANTEES ................................................................................................................... 18
J.1 TRUSTEE’S SALE GUARANTEE...............................................................................................18
J.2 LITIGATION GUARANTEE.........................................................................................................20
J.3 CHAIN OF TITLE GUARANTEE.................................................................................................20
J.4 MECHANIC’S LIEN GUARANTEE .............................................................................................20
J.5 JUDGMENT AND TAX LIEN GUARANTEE ...............................................................................20
J.6 LOT BOOK GUARANTEE ..........................................................................................................20
J.7 COMBINED LOT BOOK/JUDGMENT AND TAX LIEN GUARANTEE .......................................21
J.8 PROPERTY SEARCH GUARANTEE.........................................................................................21
J.9 PARCEL OR SUBDIVISION MAP GUARANTEE.......................................................................21
J.10 RECORDED DOCUMENT GUARANTEE ..................................................................................21
J.11 REALTY LETTER REPORT .......................................................................................................22
SECTION K REO RATES .......................................................................................................................22
K.1 STATEWIDE REO RATE............................................................................................................ 22
K.2 OWNER’S POLICY FOLLOWING A FORECLOSURE OR DEED IN LIEU OF
FORECLOSURE ........................................................................................................................23
SECTION L UCC INSURANCE ..............................................................................................................23
L.1 UCC BASIC INSURANCE RATES .............................................................................................23
L.2 MIXED COLLATERAL TRANSACTIONS ................................................................................... 23
L.3 PROJECT OR PORTFOLIO RATE.............................................................................................23
L.4 BUYERS’ POLICIES ...................................................................................................................24
L.5 CONCURRENTLY ISSUED POLICIES ...................................................................................... 24
L.6 VACATION INTEREST POLICIES .............................................................................................24
L.7 UCC ENDORSEMENTS .............................................................................................................24
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L.8 INSURED SEARCH POLICIES .................................................................................................. 25
L.9 INSURED FILING POLICY ......................................................................................................... 26
L.10 FORECLOSURE NOTICE POLICY............................................................................................26
APPENDIX A BASE RATE A .................................................................................................................. A-1
APPENDIX B BASE RATE B .................................................................................................................. B-1
APPENDIX C ENDORSEMENT RATES ................................................................................................. C-1
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NEVADA
Schedule of Title Insurance Rates
Effective ___________, 2023
GENERAL INFORMATION
This Schedule of Title Insurance Rates (this “Schedule”) shall not be construed as establishing or
changing the rules and procedures pertaining to the practices followed by the Company. The Rates and
Charges contained in this Schedule are applicable only to the products and services provided for herein.
This Schedule supersedes all previous rate schedules and filings.
SECTION A
DEFINITIONS
ALTA: American Land Title Association.
Basic Rate: Either Base Rate A or Base Rate B, whichever is applicable to the transaction as
provided in Section C.
Base Rate A: The Rate for title insurance set forth in Appendix A.
Base Rate B: The Rate for title insurance set forth in Appendix B.
Binder: An agreement by the Company to issue a title insurance policy at a future date under the
conditions specified in the agreement.
Charge: The dollar amount to be paid for a title insurance product or service.
Commercial: Any property that is not Residential.
Commitment: An offer furnished in connection with an application for title insurance stating the
requirements, terms, and conditions upon which the Company is willing to insure an interest in the
subject property.
Company: First American Title Insurance Company.
Construction Loan: A loan for the purpose of construction of improvements to the subject property.
EAGLE® Loan Policy: The Company’s branded version of any of the ALTA Expanded Coverage
Residential Loan Policies.
EAGLE® Owner’s Policy: The Company’s branded version of the ALTA Homeowner’s Policy of Title
Insurance.
Extended Coverage: Coverage without one or more Standard Exceptions.
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Fair Value: The sale price, including any encumbrances being assumed by the buyer, except that
where no sale is involved, the Fair Value is determined based on available information, but in no
event is less than the sum of all the monetary encumbrances to which the title is subject.
Loan Policy: A title insurance policy insuring a lender or assignee of a lender.
Multiple Loan Policies: See description in Section F.5.
Owner’s Policy: A title insurance policy insuring an owner, optionee, vendee, or lessee.
Rate: The unit price per exposure unit used to determine the Charge.
REO (Real Estate Owned): Property currently owned by a lender (or the lender’s affiliate, investor or
insurer) that acquired the property through a foreclosure sale or a deed in lieu of foreclosure. The
lender’s “affiliate” is any person or entity that directly or indirectly controls, is controlled by, or is under
common control with the lender.
Residential: Improved one-to-four family residential property.
Scheduled Rate: The Charge for a policy pursuant to this Schedule, taking into account any
surcharges or discounts.
Standard Coverage: Coverage with all Standard Exceptions.
Standard Exceptions: Industry-standard generic exceptions, other than exceptions specific to a
particular property or particular transaction.
SECTION B
GENERAL PROVISIONS
B.1 COMPUTATION OF RATES AND CHARGES
All Rates and Charges for title insurance are to be computed in accordance with this Schedule. Rates
and Charges specified herein shall be charged on title insurance contracted for on or after the effective
date of the filing. All Rates and Charges contemplated by this Schedule shall be rounded up to the next
dollar at each calculation except as otherwise expressly provided. Any reference to “per $XX” or “each
additional $XX” shall mean and include “per $XX and any portion thereof” or “each additional $XX and
any portion thereof,” as applicable. For example, a reference to “per $1,000 of liability” means and
includes “per $1,000 of liability and any portion thereof.”
The Charge for increased liability shall be the difference between the Scheduled Rate based upon the
amount of insurance shown in the existing policy or Binder and the Scheduled Rate based upon the
amount and type of insurance ultimately issued.
Whenever documents of any kind that impose liability on the Company are recorded in accordance with
specific instructions, the Charges in accordance with this Schedule will accrue immediately upon closing
or recording, whichever comes first. Additional Charges shall be made for subsequent services or
insurance provided in accordance with this Schedule.
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B.2 RATES AND CHARGES FOR UNUSUAL, DIFFERENT, OR ADDITIONAL RISKS OR
SERVICES
Rates and Charges in excess of or different from those set forth in this Schedule may be made when
special or unusual conditions are encountered, special or unusual risks are insured, or special services
are rendered. The excess or varying Rates and Charges shall be reasonably commensurate with the risk
assumed or the costs of the services performed and shall be agreed to in writing by the party or parties
responsible for the payment in advance. When services are required under conditions for which no Rate
or Charge has been provided in this Schedule, a Charge shall be made which, in the opinion of the
Company, is consistent with the general pricing procedures as set forth herein.
B.3 CREDIT FOR REPORTS OR COMMITMENTS ON SUBSEQUENT COMMERCIAL POLICIES
For Commercial transactions where no material change in the title has occurred since the issuance of the
original report or Commitment issued by the Company, the order may be reopened and all or a portion of
the Charge for the report or Commitment may be credited on a subsequent Charge for the reopened
order within two years from the date of the report or Commitment.
B.4 REINSURANCE
The Rates set forth in this Schedule may be increased by the cost of any reinsurance required by the
insured.
B.5 ADDITIONAL CHARGES
(a) Third-Party Vendor
When a third-party vendor is engaged to provide services, including but not limited to inspection or
signing services, a Charge in the amount of the third-party vendor’s Charge will be imposed.
(b) Government or Third-Party Costs or Taxes
Charges that the Company incurs for government or third-party costs or taxes, including but not limited to
copies of recorded instruments, maps, etc., shall be additionally charged to the customer at the Rate paid
by the Company.
(c) Closing Protection Letters
The Charge for a closing protection letter issued to a party in a transaction is $25 upon the closing of the
transaction.
SECTION C
BASIC TITLE INSURANCE RATE
Base Rate A as set forth in Appendix A applies to all title insurance policies not subject to Base Rate B.
Base Rate B as set forth in Appendix B applies to title insurance policies rated under Section G (New
Home/Subdivision Rate).
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SECTION D
ENDORSEMENTS
Endorsements providing additional or modified coverages or insurance may be issued upon compliance
with the Company’s underwriting requirements for the Charges set forth in Appendix C, except as
otherwise expressly provided in this Schedule.
SECTION E
OWNER’S INSURANCE
E.1 OWNER’S POLICY OTHER THAN THOSE ADDRESSED IN OTHER SECTIONS OF THIS
SCHEDULE
For an Owner’s Policy, other than an Owner’s Policy issued under another section of this Schedule, the
following Rates apply:
Policy Type Rate
Standard Coverage 110% of Base Rate A
Extended Coverage 150% of Base Rate A
EAGLE® Owner’s Policy 120% of Base Rate A
These Rates also apply if the lessee’s and the fee owner’s estates or interests are co-insured for the Fair
Value of the property and without any segregation of liabilities as to the estates or interests under the
same Owner’s Policy.
E.2 CONTRACT VENDEE
This section applies when the insured is a vendee under a land sale contract seeking an Owner’s Policy
to cover the vendee’s rights under the land sale contract (the “Original Policy”), and anticipates
purchasing a subsequent Owner’s Policy when the land sale contract is fulfilled (the “Contract Fulfillment
Policy”), if the named insured vendee is the same in both the Original Policy and the Contract Fulfillment
Policy.
(a) Original Policy: The Rate is determined under Section E.1.
(b) Contract Fulfillment Policy: The Rate is as follows:
Policy Type Rate
Both policies are Standard Coverage 25% of Base Rate A, minimum $390
Both policies are Extended Coverage 30% of the Base Rate A, minimum $390
Original Policy is Standard Coverage and
Contract Fulfillment Policy is Extended Coverage
35% of Base Rate A, minimum $390
Standard to EAGLE® coverage 25% of Base Rate A, plus 10%, minimum $390
EAGLE® to EAGLE® coverage 25% of Base Rate A, minimum $390
A Contract Fulfillment Policy that provides insurance in excess of the amount of insurance under the
Original Policy is priced on an increased liability basis, and the increased liability amount calculated in
accordance with Section B.1 shall be added to the Rate calculated above.
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When both a change in policy type and an increase in liability apply, the calculation of the Rate based on
the change in policy type is made first, and then the calculation for increased liability is applied.
E.3 CONVERSION OF AN INSURED LEASEHOLD ESTATE TO A FEE ESTATE
When the owner of a leasehold estate insured by the Company acquires the fee estate encumbered by
the lease, a new Owner’s Policy may be issued to the same insured covering the fee estate on the
subject property for the following Rate:
Standard Coverage: 25% of Base Rate A, minimum $390
Extended Coverage: 30% of Base Rate A, minimum $390
Insurance in excess of the Original Policy amount is priced on an increased liability basis in accordance
with Section B.1, and the increased liability amount is added to the Rate calculated above to determine
the Rate for the new policy.
E.4 SHORT TERM RATE
When an Owner’s Policy is ordered within 36 months of the effective date of a prior Owner’s Policy on the
same property, the Charge for the new Owner’s Policy shall be 80% of the Scheduled Rate calculated
under Section E.1.
This short term Rate shall not be applied in addition to any other discount.
E.5 RE-ISSUE OF OWNER’S INSURANCE (UPDATE/INCREASE/UPGRADE)
(a) Update
An Owner’s Policy may be reissued to update the insured’s title where no transaction is involved at the
Rate shown in the chart below. Where the updated Owner’s Policy is issued for an amount of insurance
greater than the Original Policy, the Rate is subject to an increased liability Charge based on the Rate
applicable for each unit of insurance issued in excess of the Original Policy amount.
Policy Type Rate
Both policies are Standard Coverage
25% of Base Rate A, based upon the type and
amount of outstanding insurance, minimum $390
Both policies are Extended Coverage
30% of Base Rate A, minimum $390
Original Policy is Standard Coverage and
reissued policy is Extended Coverage
35% of Base Rate A, minimum $390
Original Policy is Standard Coverage and
reissued policy is EAGLE® Coverage
45% of Base Rate A, minimum $390
(b) Update to Include Loan
An Owner’s Policy may be reissued within four months from the date of the existing policy to update the
insured’s title to include a loan at the Rate as shown in the chart below. Where the updated Owner’s
Policy is issued for an amount of insurance greater than the Original Policy, the Rate is subject to an
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increased liability Charge in accordance with Section B.1 based on the Rate applicable for each unit of
insurance issued in excess of the Original Policy amount.
Policy Type Rate
Both policies are Standard Coverage
25% of Base Rate A, based upon the type and
amount of outstanding insurance, minimum $200
Both policies are Extended Coverage
30% of Base Rate A, minimum $200
Original Policy is Standard Coverage and
reissued policy is Extended Coverage
35% of Base Rate A, minimum $200
Original Policy is Standard Coverage and
reissued policy is EAGLE® Coverage
45% of Base Rate A, minimum $200
E.6 OIL AND GAS OR MINERAL INTEREST
(a) The Rate for a Standard Coverage Owner’s Policy insuring a mineral interest in property,
such as, oil, coal, or gas, that is separate from the surface ownership (an “Oil/Gas/
Mineral Lease”) is 200% of Base Rate A, with a minimum Charge of $1,000. The Charge
for an Owner’s Policy covering assignment or modification of an Oil/Gas/Mineral Lease, if
the original Oil/Gas/Mineral Lease is insured, is 100% of Base Rate A based upon the
insurance on the outstanding policy, with a minimum Charge of $125, plus 200% of Base
Rate A for each unit of insurance in excess of the amounts shown on the outstanding
policy.
(b) The Charge for a Standard Coverage Loan Policy on an Oil/Gas/Mineral Lease based
upon the amount of the loan is 140% of Base Rate A.
E.7 OPTIONEE’S POLICY
This Rate applies when (i) an optionee agrees to obtain an Owner’s Policy based upon the full purchase
price of the property if and when the option is exercised (a “Final Policy”); (ii) the optionee requests an
Owner’s Policy in an amount equal to the amount paid for the option (an “Optionee’s Policy”); and (iii) the
named insured is the same in both the Optionee’s Policy and the Final Policy. The Optionee’s Policy may
be issued if (a) the option is recorded or a copy thereof is held in the Company’s file, (b) the Optionee’s
Policy is modified by endorsement to terminate with the expiration date of the option, and (c) the time
period provided for in the option does not exceed one year. For periods in excess of one year refer to
management for consideration.
(a) Optionee’s Policy: The Rate is calculated as set forth in Section E.1 based upon the
amount of the option.
(b) Final Policy: The Rate is calculated as set forth in Section E.1 based upon the
purchase price of the property.
If the optionee requests that the Optionee’s Policy be issued for the Fair Value of the property and then
dated down to the date the option is exercised, vesting title in the optionee, the Rate provided under
Section E.2 applies instead of this section.
Insurance in excess of the Optionee’s Policy amount shall be priced on an increased liability basis as
provided in Section B.1 and shall be added to the Rate calculated above.
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E.8 BINDER TO INSURE RESALE
A Binder to insure resale provides for issuance of an Owner’s Policy of a specified type and maximum
liability amount within 731 days of the date of the Binder. The Rate for the issuance of the Binder is the
applicable Rate for the requested Owner’s Policy plus an additional 10% of Base Rate A, payable at the
time the Binder is issued.
The Rate for an Owner’s Policy subsequently issued in accordance with the terms of the Binder is $150
and is subject to adjustment based on changes from the Owner’s Policy specified in the Binder. If the
insured requests an Owner’s Policy that is different from the Owner’s Policy specified in the Binder, the
Charge for the new Owner’s Policy will be determined on an increased liability basis in accordance with
Section B.1.
1. The Binder may be extended for one additional year upon payment, prior to its expiration,
of 10% of Base Rate A based on the full amount of the Binder.
2. An Owner’s Policy as specified in the Binder may be issued before expiration of the
Binder insuring the nominee of the vestee named in the Binder at no additional Charge
for liability amounts up to the amount stated in the Binder.
3. If a separate Loan Policy is requested concurrently with the issuance of and in an amount
not greater than the amount of the Binder, an additional Charge shall be made at the
Rate applicable under Section F.1.
4. When used, the Binder terminates. If no resale transaction is consummated, the Owner’s
Policy as specified in the Binder will automatically be issued as of the date of the Binder,
insuring the vestee in the initial transaction without any additional Charge.
5. The initial Binder may be reissued to reflect an interim transfer of title prior to the ultimate
resale for an additional Charge of 25% of Base Rate A, with a minimum Charge of $390,
provided there is no increase in the amount and type of coverage specified in the original
Binder. Additional coverage will be priced on an increased liability basis as provided in
Section B.1 and shall be added to the Rate calculated above.
6. If the Owner’s Policy specified in the Binder is priced at the builder Rate set forth in
Section G, and the policy ultimately requested does not qualify for that builder Rate, the
Rate will be the difference between the new home/subdivision Rate under Section G and
the Rate for an Owner’s Policy calculated in Section E.1.
E.9 RESALE INVESTMENT PROPERTY RATE
This Rate applies to non-owner occupied Residential properties purchased or sold for the purpose of
generating revenue, income, or profit. To qualify, the investor must provide to the Company a certification
stating that the property is being purchased or sold for the purpose of generating revenue, income, or
profit.
This Rate is applicable only to the Charge paid for by the investor. This Rate does not apply to
endorsements and cannot be used in conjunction with any other discount. The Charge for a policy
purchased by an investor under this section is 70% of the Charge as determined under the other
provisions of this Schedule.
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SECTION F
LENDER’S INSURANCE
F.1 LOAN POLICY OTHER THAN A LOAN POLICY ADDRESSED IN OTHER SECTIONS OF THIS
SCHEDULE
This section applies to Loan Policies other than Loan Policies issued under another section of this
Schedule. For a single Loan Policy the Rate is calculated in accordance with the following table.
Policy Type Rate
Standard Coverage 80% of Base Rate A, minimum $350
Extended Coverage 90% of Base Rate A, minimum $390
For Multiple Loan Policies, the Rate is calculated in accordance with Section F.5 below.
F.2 LOAN POLICY WITH SALE - NO CONCURRENT OWNER’S POLICY
This section applies to Loan Policies issued in connection with a sale of property where the purchaser
does not obtain a concurrently issued Owner’s Policy on the subject property from the Company, other
than a Loan Policy addressed in another section of this Schedule. For a single Loan Policy the Rate is
calculated in accordance with the following table.
Policy Type Rate
Standard Coverage 130% of Base Rate A
Extended Coverage 140% of Base Rate A
EAGLE® Loan Policy 150% of Base Rate A
For Multiple Loan Policies, the Rate is calculated in accordance with Section F.5 below.
F.3 CONCURRENT LOAN POLICY
This section applies to Loan Policies issued concurrently with an Owner’s Policy. For a single Loan
Policy the Rate is calculated in accordance with the following table, provided that insurance under a Loan
Policy in excess of the amount of liability under the concurrently issued Owner’s Policy amount shall be
priced on an increased liability basis. The Rate for increased liability shall be the Rate calculated under
Section F.1 based on the difference between (1) the amount of liability under the Owner’s Policy and
(2) the amount of liability under the concurrently issued Loan Policy. For Multiple Loan Policies, the Rate
is calculated in accordance with Section F.5 below.
Loan Policy Type Owner Policy Type Rate
Standard Coverage Any Owner’s Policy 35% of Base Rate A, minimum $250
Extended Coverage
Standard Coverage or
EAGLE® Owner’s Policy
50% of Base Rate A, minimum $350
Extended Coverage Extended Coverage $100
EAGLE® Loan Policy Any Owner’s Policy 55% of Base Rate A, minimum $385
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F.4 REFINANCE RATE - RESIDENTIAL PROPERTY
For a single Loan Policy on Residential properties, other than a Loan Policy issued concurrently with an
Owner’s Policy under Section F.3, where the loan proceeds are being used for any purpose other than (1)
the financing of the acquisition of the property or (2) a Construction Loan, the Rate set forth in the table
below applies. For Multiple Loan Policies, the Rate is calculated in accordance with Section F.5 below.
Policy Type Rate
Standard Coverage
45% of Base Rate A based on the new loan
amount, minimum $350
Extended Coverage
50% of Base Rate A based on the new loan
amount, minimum $350
EAGLE® Loan Policy
55% of Base Rate A based on the new loan
amount, minimum $350
F.5 MULTIPLE LOANS
This section applies to Loan Policies issued on multiple loans by the same lender to the same owner that
are recorded concurrently (“Multiple Loan Policies”). The first Loan Policy will be calculated in
accordance with Sections F.1, F.2, F.3 or F.4. Each additional Loan Policy is rated under the following
table:
Policy Amount Rate
Up to and including $100,000 $175
$100,001 to $250,000 $225
$250,001 to $500,000 $325
$500,001 to $1,000,000 $425
Above $1,000,000 $525
F.6 CENTRALIZED LOAN RATE
The Rate set forth in this section applies to the issuance of the ALTA Short Form Commitment, ALTA
Short Form Expanded Coverage Residential Loan Policy (if this form is not offered in this state, issue the
ALTA Short Form Residential Loan Policy), and includes the ALTA endorsements 4.1, 5.1, 6, 8.1, and
9.0/9.3/9.10. Additional fees may apply for additional endorsements (see Appendix C). This Rate is
charged on a loan transaction that meets the criteria set forth below and is either (i) coordinated by one of
the Company’s centralized processing divisions (including First American Mortgage Solutions Group) or
(ii) processed in a centralized production environment and coordinated by a multi-state policy issuing
agent of the Company authorized in writing by the Company to use this Rate:
(a) The loan proceeds are to be used for any purpose other than construction or the
financing of the acquisition of the property in a concurrent purchase transaction;
(b) The loan is secured by a deed of trust or mortgage on Residential property;
(c) A short form Commitment and short form Loan Policy are issued and delivered
electronically; and
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(d) The order is opened through a centralized point of entry or contact designated by the
originating lender, and is processed using the Company’s or multi-state policy issuing
agent’s electronic production system.
The Rate for Loan Policies subject to this section is:
Amount of Insurance Rate
Up to and including $250,000 $420
$250,001 to $500,000 $540
$500,001 to $750,000 $660
$750,001 to $1,000,000 $780
$1,000,001 to $1,500,000 $900
$1,500,001 to $2,000,000 $960
For each $10,000 of liability above $2,000,000, add $4.
F.7 ALTA RESIDENTIAL LIMITED COVERAGE LOAN POLICY
At a lender’s request, an ALTA Residential Limited Coverage Loan Policy will be issued with a liability not
to exceed $250,000 at a Rate of $140 for the first $50,000 in liability and an additional $20 for every
$10,000 in liability thereafter. The Rate includes one continuation report without additional charge to
cover the recording of the documents that are the basis of the transaction for which the policy is issued.
One ALTA JR-1 Endorsement may be issued within six months of the policy date of the ALTA Residential
Limited Coverage Loan Policy at no additional Charge.
F.8 BINDER TO INSURE FUTURE FINANCING
Where an owner obtains an Owner’s Policy issued by the Company on a property and intends to
mortgage the property within 366 days of its acquisition with a loan, and a Loan Policy is not being issued
concurrently with the Owner’s Policy, a Binder to insure future financing may be issued if paid for at the
time of acquisition for a Charge of (1) the applicable concurrent loan Rate from Section F.3 for the
contemplated loan amount and type of policy to be issued; plus (2) 10% of Base Rate A based on the
same loan amount. Prior to its expiration, the Binder may be extended for an additional 12 months upon
payment of an additional 10% of Base Rate A based on the contemplated loan.
No additional Charge will be made for issuance of the Loan Policy in accordance with the Binder except
for increased liability, if any, or if the Loan Policy is requested with more extensive insurance coverage
than that set forth in the Binder.
F.9 REISSUE OF LOAN POLICY (LP-10 Rewrite)
Where an owner obtains a Loan Policy issued by the Company on a property and intends to refinance the
mortgage within two years, a re-write can be paid at the time of the initial policy for the following Charges
in addition to the Charge applicable under Section F.1, F.2 or F.3, as applicable:
Initial Policy Type Re-Written Policy Type Additional Charge
Standard Coverage
Standard Coverage
15% of Base Rate A
Extended Coverage
35% of Base Rate A
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Initial Policy Type Re-Written Policy Type Additional Charge
Extended Coverage
Standard Coverage
15% of Base Rate A
Extended Coverage
35% of Base Rate A
The time limit for the re-write policy is two years from the date of the initial policy. It may be extended for
an additional 12 months upon payment of an additional 10% of Base Rate A based on the contemplated
loan.
If the amount of insurance under the re-written policy is greater than the amount of insurance under the
initial policy, the Rate for the additional amount of insurance will be priced on an increased liability basis
as provided in Section B.1 and shall be added to the Rate calculated above.
F.10 equiSMART MASTER LOAN PROGRAM
FACT Loan Policies issued under the equiSMART Master Loan Program are available for Residential
equity line loan transactions for lenders participating in the Company’s equiSMART Program at the Rates
specified in this section.
Loan Amount Rate
Up to and including $100,000 $91
$100,001 to $250,000 $117
$250,001 to $500,000 $181
F.11 equiLite™ RESIDENTIAL LIMITED COVERAGE LOAN POLICY
For mortgage and home equity loan transactions involving Residential property, the Rate for an
equiLite™ Residential Limited Coverage Loan Policy is:
Amount of Insurance Rate
Up to and including $100,000 $25
$100,001 to $250,000 $40
$250,001 to $500,000 $50
The above Rate does not include the cost of the Title Report referenced in the equiLite™ Residential
Limited Coverage Loan Policy.
The equiLite™ Residential Limited Coverage Loan Policy may not be issued for transactions in which the
face amount of the mortgage or home equity loan exceeds $500,000.
F.12 ALTA RESIDENTIAL LIMITED COVERAGE MORTGAGE MODIFICATION POLICY
The Scheduled Rate for an ALTA Residential Limited Coverage Mortgage Modification Policy shall be:
Amount of Insurance Rate
Up to and including $1,000,000 $125
$1,000,001 to $1,500,000 $250
$1,500,001 to $2,000,000 $350
12
For each $500,000 of liability above $2,000,000, up to and including $20,000,000, add $100.
SECTION G
NEW HOME/SUBDIVISION RATE
A Rate of 110% of Base Rate B, as found in Appendix B, applies to the following policies on property
intended for Residential purposes that is offered for sale for the first time and includes two or more
separate lots or units of occupancy that are for sale as separate units:
(a) An EAGLE® Owner’s Policy for newly constructed Residential properties (including
condominiums); or
(b) A Standard Coverage Owner’s Policy with FA-Residential Special – Enhanced
Endorsement for unimproved platted development.
SECTION H
MAJOR PROJECTS
This section is used for calculating the Scheduled Rate for projects that involve the issuance of one or
more Owner’s Policies or Loan Policies with an aggregate liability of at least $5,000,000. For purposes of
applying the aggregate Rate steps provided for herein, (i) liabilities may be aggregated separately for
policies issued under sections (a), (b), (c), and (d) below; (ii) transactions insured by another title insurer
may be included; and (iii) principals of the planned projects may enter into a contract with the Company
for title insurance policies insuring separate projects in different locations. Special pricing consideration
may be given to transactions involving policies aggregating $20,000,000 or more based upon various
factors including geographic location, competitive environment, expenses, and other reasonable
considerations.
For purposes of this section, the “Short Term Major Project Rate” means a discounted Rate of 80% of the
Rate calculated in accordance with this section for orders placed within 36 months from the effective date
of a prior Owner’s Policy issued in conjunction with a recorded deed to a bona fide purchaser for value on
the same property. The Short Term Major Project Rate is applicable to title insurance under this section
only as expressly stated.
(a) OWNERS / LESSEES INSURANCE
(original issue or increased liability)
Per $1,000 of liability
STANDARD
COVERAGE
EXTENDED
COVERAGE
EAGLE®
COVERAGE
Up to and including $10,000,000 $0.95 $1.15 $1.05
$10,000,001 to $25,000,000 $0.90 $1.10
$1.00
$25,000,001 to $50,000,000 $0.85 $1.05
$0.94
$50,000,001 to $500,000,000 $0.60 $0.80
$0.66
Above $500,000,000 $0.50 $0.70
$0.55
Short Term Major Project Rate applicable
13
(b) LENDERS INSURANCE
(not concurrent with Owner’s Policy)
Per $1,000 of liability
STANDARD
COVERAGE
EXTENDED
COVERAGE
EAGLE®
COVERAGE
Up to and including $10,000,000 $0.76 $0.95 $0.84
$10,000,001 to $25,000,000 $0.71 $0.90
$0.78
$25,000,001 to $50,000,000 $0.68 $0.88
$0.75
$50,000,001 to $500,000,000 $0.58 $0.75
$0.64
Above $500,000,000 $0.50 $0.68
$0.55
Short Term Major Project Rate applicable
(c) LOAN POLICY WITH
CONCURRENT OWNER’S
POLICY COVERAGE
Per $1,000 of liability
Concurrent with
Extended Coverage
Owner’s Policy OR
Concurrent EAGLE®
Homeowner’s Policy
Concurrent with
Standard Coverage
Owner’s Policy
EXTENDED COVERAGE LOAN
POLICY OR EAGLE® COVERAGE
LOAN POLICY
Insurance up to the
amount of liability of the
Owner’s Policy:
Insurance up to the
amount of liability of the
Owner’s Policy:
$100 Liability up to and
including $10,000,000:
$0.20
Liability above
$10,000,000:
$0.15
Insurance in excess of the amount of liability of the Owner’s Policy:
Up to and including $10,000,000
$10,000,001 to $25,000,000
$25,000,001 to $50,000,000
$50,000,001 to $500,000,000
Above $500,000,000
$0.95
$0.90
$0.88
$0.75
$0.68
$0.95
$0.90
$0.88
$0.75
$0.68
In addition to the Rate per $1,000, add
$100 additional Charge for each
separate concurrent Loan Policy
issued, including the first.
Short Term Major Project Rate
applicable only to Loan Policy liability
amount in excess of the owner’s
liability amount.
14
(c) LOAN POLICY WITH
CONCURRENT OWNER’S
POLICY COVERAGE
(
cont’d
)
Per $1,000 of liability
Concurrent with
Extended Coverage
Owner’s Policy OR
Concurrent EAGLE®
Homeowner’s Policy
Concurrent with
Standard Coverage
Owner’s Policy
STANDARD COVERAGE LOAN
POLICY
Insurance up to the
amount of liability of the
Owner’s Policy:
Insurance up to the
amount of liability of the
Owner’s Policy:
$100 Liability up to and
including $10,000,000:
$0.20
Liability above
$10,000,000:
$0.15
Insurance in excess of the amount of liability of the Owner’s Policy:
Up to and including $10,000,000
$10,000,001 to $25,000,000
$25,000,001 to $50,000,000
$50,000,001 to $500,000,000
Above $500,000,000
$0.76
$0.71
$0.68
$0.58
$0.50
$0.76
$0.71
$0.68
$0.58
$0.50
In addition to the Rate per $1,000, add
$100 additional Charge for each
separate concurrent Loan Policy
issued, including the first.
Short Term Major Project Rate
applicable only to Loan Policy liability
amount in excess of the owner’s
liability amount.
(d) BINDERS Per $1,000 of liability
A Binder may be issued instead of an Owner’s Policy or Loan
Policy for the following additional Charge:
Up to and including $10,000,000 $0.10
Above $10,000,000 $0.05
15
(e) OWNER’S POLICY FOLLOWING FORECLOSURE OR
DEED IN LIEU OF FORECLOSURE
Per $1,000 of liability
STANDARD
COVERAGE
EXTENDED
COVERAGE
Up to and including $10,000,000 $0.28 $0.36
$10,000,001 to $25,000,000 $0.27 $0.33
$25,000,001 to $50,000,000 $0.26 $0.32
This Rate applies only when the Company issued its trustee’s
sale guarantee in connection with the foreclosure or prior to
the deed in lieu of foreclosure, and the deed of trust
foreclosed upon or for which the Deed in lieu of foreclosure is
given was insured.
Minimum Charge is $1,400
(f) COMBINED PACKAGE OF SERVICES RELATED TO
REO PROPERTY
Per $1,000 of liability
A combination of the services provided for under sections (d)
and (e), may be provided at the following combined Rates,
payable at the time the trustee’s sale guarantee is issued:
Owner’s policy
issued under
section (e) is
Standard
Coverage
Owner’s policy
issued under
section (e) is
Extended
Coverage
Up to and including $10,000,000 $0.95 $1.15
$10,000,001 to $25,000,000 $0.90 $1.10
$25,000,001 to $50,000,000 $0.88 $1.05
Minimum Charge is $4,750
(g) REISSUE OF OWNER’S POLICIES Per $1,000 of liability
An Owner’s Policy may be reissued where no transaction is involved,
based upon the amount of the outstanding insurance, at the following Rates:
Where the Original Policy and the reissued policy are both Standard Coverage: $600
Where the Original Policy and the reissued policy are both Extended Coverage: $1,000
Where the Original Policy is Standard Coverage and the
reissued policy is Extended Coverage:
Liability up to and including $10,000,000: $0.60 per $1,000 of liability, plus $350
Liability above $10,000,000: $0.50 per $1,000 of liability, plus $350
Insurance in excess of the amount of the Original Policy shall be priced at the applicable Rate set forth
in paragraph (a) above.
16
(h) REISSUE OF LOAN POLICIES Per $1,000 of liability
Where the Original Policy and the reissued policy are both
Standard Coverage:
$0.20
Where the Original Policy and the reissued policy are both
Extended Coverage:
$0.35
Where the Original Policy is Standard Coverage and the
reissued policy is Extended Coverage:
$0.40
Insurance in excess of the amount of the Original Policy shall
be priced at the applicable Rate set forth in paragraph (c)
above.
(i) ENDORSEMENTS
The Rate for each endorsement issued in connection with policies priced under the provisions of this
section is obtained by (1) charging the Rate set forth in Appendix C if the Rate is a stated dollar
amount or (2) if the Rate is expressed as a percentage of the Basic Title Insurance Rate, the Rate is
calculated by multiplying the percentage listed in Appendix C by:
Liability up to and including $20,000,000: $1.00 per $1,000 of liability
Liability above $20,000,000: $0.90 per $1,000 of liability
The aggregate maximum Charge for all endorsements issued concurrently with the policy shall be
20% of the Rate for the policy to which the endorsements are attached. In the event the
endorsement(s) to be issued concurrently are being attached to a Loan Policy, the aggregate
maximum Charge for the endorsement(s) shall be 20% of the Rate for the concurrently issued
Owner’s Policy. When an endorsement is issued on both the Owner’s Policy and the Loan Policy, the
total Charge for the endorsement will be the Charge for the endorsement as issued on the Owner’s
Policy. Under this section, if an endorsement is charged on the Owner’s Policy, there is no Charge on
the Loan Policy for the same endorsement.
SECTION I
TIMESHARE
I.1 TIMESHARE TITLE FEES – DEVELOPER PROJECT TITLE POLICIES
When a transaction involves a developer, declarant and/or managing entity, through a contracted
agreement, excluding fractional interests, the Rate shall be:
(a) Owner’s Policy Rate or Non-Current Loan Policy:
Policy Amount Rate
Up to and including $75,000 $80
Above $75,000 $80 plus $1 per $1,000 liability thereafter
17
(b) Concurrent Loan Policy:
Policy Amount Rate
Equal to or less than the liability amount of the
Owner’s Policy
$10
I.2 TIMESHARE TITLE FEES – BASIC RATE TITLE POLICIES
This Rate shall apply when a policy is provided to consumers for one-time transactions, excluding
developer, declarant and/or managing entity.
(a) Owner’s Policy Rate or Non-Current Loan Policy:
Policy Amount Rate
Up to and including $2,000 $175
$2,001 to $75,000 $250
Above $75,000 $250 plus $1 per $1,000 liability thereafter
(b) Concurrent Loan Policy:
Policy Amount Rate
Equal to or less than the liability amount of the
Owner’s Policy
$25
I.3 FRACTIONAL INTEREST SERVICES
The Company may furnish closing services for the sale or refinance of fractional interests for the following
Rates:
The Rate shown in this section includes the Charges for: (1) one Standard Coverage Owner’s Policy;
(2) one concurrently issued Loan Policy; and (3) escrow services by the Company (including all Basic
Escrow Services and the following specific items: issuance of all checks except those to pay credit card
or other debt not secured by the real property involved in the escrow, up to two (2) wire transfers, up to
six (6) domestic overnight mail deliveries.
(a) Owner’s Policy Only - All Cash Transaction:
Sale Price Liability Rate
Up to and including $300,000 $1,050
Above $300,000 $1,050 plus $2.65 per $1,000
(b) Owner’s Policy with Concurrent Loan Policy:
Sale Price Liability Rate
Up to and including $300,000 $1,500
Above $300,000 $1,500 plus $2.65 per $1,000
18
(c) For fractional interest Owner’s and Lender’s policies involving a developer repurchase,
either direct or through right of first refusal, the rates in Section I.2 of this rate manual and
all applicable escrow fees shall apply.
NOTE: Does not include notary, recording fees, recording services fees, transfer taxes or international
overnight delivery unless expressly stated in the description of service.
SECTION J
GUARANTEES
J.1 TRUSTEE’S SALE GUARANTEE
Where two or more trustee’s sale guarantees are issued concurrently covering multiple loans by the same
lender to the same borrower, the Charge shall be based upon the aggregate unpaid balances of the
defaulted loans, plus $100 for each guarantee over one.
Three continuation reports may be issued in conjunction with a trustee’s sale guarantee under this section
within a period of 12 months from the date of the original guarantee for no additional Charge. Additional
continuation reports may be issued for a Charge of $25 each provided the insured is the same as named
in the original guarantee.
Where a previously issued trustee’s sale guarantee is re-issued as a litigation guarantee or vice versa, or
is re-issued for the benefit of a newly substituted trustee, an additional Charge of $100 shall be made.
(a) Residential
For trustee’s sale guarantees on Residential property not subject to paragraph (b) or (d) below, the Rate
is 100% of Base Rate A, based upon the total unpaid balance of the defaulted loan, with a minimum
Charge of $390.
(b) Residential - Homeowners Association
For trustee’s sale guarantees on Residential property issued for the benefit of a homeowners association
with liability based on the amount of the homeowner’s association lien up to and including $50,000, the
Charge is $325.
(c) Commercial
This section applies to issuance of a trustee’s sale guarantee involving Commercial property not
subject to paragraph (d) below that includes: vacant land, Commercial, industrial, apartment, Residential
projects and time-share projects. Notwithstanding the Rates set forth in this paragraph, special pricing
consideration may be given to transactions involving guarantees aggregating $20,000,000 or more based
upon factors including, but not limited to, geographic location, competitive environment, and expenses. The
minimum Charge under this section is $1,200 for liability up to and including $1,500,000.
Liability Rate
Up to and including $10,000,000 $0.80 per $1,000 of liability
$10,000,001 to $20,000,000 $0.75 per $1,000 of liability
$20,000,001 to $50,000,000 $0.72 per $1,000 of liability
19
(d) First American Mortgage Solutions or Multi-State Policy Issuing Agent
For a trustee’s sales guarantee available for use in conducting a non-judicial foreclosure of a deed of trust
on Residential property and issued in the amount of the unpaid balance of the note secured by the deed
of trust, and is either (i) coordinated by one of the Company’s centralized processing divisions (including
First American Mortgage Solutions Group) or (ii) processed in a centralized production environment and
coordinated by a multi-state policy issuing agent of the Company, the Rate is 100% of the First American
Mortgage Solutions Trustee Sales Guarantee Rate set forth below, subject to a minimum Charge of $360.
LIABILITY UP TO RATE LIABILITY UP TO RATE LIABILITY UP TO RATE
$ 0 $100,000 $360 $725,001 $750,000 $971 $1,375,001 $1,400,000 $1,439
$100,001 $125,000 $390 $750,001 $775,000 $989 $1,400,001 $1,425,000 $1,457
$125,001 $150,000 $420 $775,001 $800,000 $1,007 $1,425,001 $1,450,000 $1,475
$150,001 $175,000 $450 $800,001 $825,000 $1,025 $1,450,001 $1,475,000 $1,493
$175,001 $200,000 $480 $825,001 $850,000 $1,043 $1,475,001 $1,500,000 $1,511
$200,001 $225,000 $510 $850,001 $875,000 $1,061 $1,500,001 $1,525,000 $1,529
$225,001 $250,000 $540 $875,001 $900,000 $1,079 $1,525,001 $1,550,000 $1,547
$250,001 $275,000 $570 $900,001 $925,000 $1,097 $1,550,001 $1,575,000 $1,565
$275,001 $300,000 $600 $925,001 $950,000 $1,115 $1,575,001 $1,600,000 $1,583
$300,001 $325,000 $625 $950,001 $975,000 $1,133 $1,600,001 $1,625,000 $1,601
$325,001 $350,000 $650 $975,001 $1,000,000 $1,151 $1,625,001 $1,650,000 $1,619
$350,001 $375,000 $675 $1,000,001 $1,025,000 $1,169 $1,650,001 $1,675,000 $1,637
$375,001 $400,000 $700 $1,025,001 $1,050,000 $1,187 $1,675,001 $1,700,000 $1,655
$400,001 $425,000 $725 $1,050,001 $1,075,000 $1,205 $1,700,001 $1,725,000 $1,673
$425,001 $450,000 $745 $1,075,001 $1,100,000 $1,223 $1,725,001 $1,750,000 $1,691
$450,001 $475,000 $765 $1,100,001 $1,125,000 $1,241 $1,750,001 $1,775,000 $1,709
$475,001 $500,000 $785 $1,125,001 $1,150,000 $1,259 $1,775,001 $1,800,000 $1,727
$500,001 $525,000 $805 $1,150,001 $1,175,000 $1,277 $1,800,001 $1,825,000 $1,745
$525,001 $550,000 $825 $1,175,001 $1,200,000 $1,295 $1,825,001 $1,850,000 $1,763
$550,001 $575,000 $845 $1,200,001 $1,225,000 $1,313 $1,850,001 $1,875,000 $1,781
$575,001 $600,000 $863 $1,225,001 $1,250,000 $1,331 $1,875,001 $1,900,000 $1,799
$600,001 $625,000 $881 $1,250,001 $1,275,000 $1,349 $1,900,001 $1,925,000 $1,817
$625,001 $650,000 $899 $1,275,001 $1,300,000 $1,367 $1,925,001 $1,950,000 $1,835
$650,001 $675,000 $917 $1,300,001 $1,325,000 $1,385 $1,950,001 $1,975,000 $1,853
$675,001 $700,000 $935 $1,325,001 $1,350,000 $1,403 $1,975,001 $2,000,000 $1,871
$700,001 $725,000 $953 $1,350,001 $1,375,000 $1,421 Above $2,000,000, add $15 for each
$25,000 of liability
Where two or more trustee’s sale guarantees are to be issued concurrently covering multiple loans by the
same beneficiary to the same borrower, the Charge is based upon the aggregate unpaid balances of the
defaulted loans, plus $100 for each guarantee over one.
Three continuation reports may be issued within a period of 12 months from the date of the original
guarantee for no additional Charge. Additional continuation reports may be issued for a fee of $25 each
provided the insured is the same as named in the original guarantee.
Where a previously issued trustee’s sale guarantee is re-issued as a litigation guarantee or vice versa, or
is re-issued for the benefit of a newly substituted trustee, an additional Charge of $100 shall be made.
20
J.2 LITIGATION GUARANTEE
Litigation guarantees are issued for the benefit of attorneys to be used for the purpose of instituting legal
proceedings in connection with quiet title actions, partitions or other matters of litigation or for the
foreclosure of various types of liens or assessments. The Charge for the litigation guarantee is:
100% of Base Rate A based upon the value of the particular estate or interest involved, subject to a
minimum Charge of $500.
$40 for each continuation guarantee over one issued within a period of 24 months of the original
guarantee to cover the filing of a lis pendens.
J.3 CHAIN OF TITLE GUARANTEE
A chain of title guarantee is issued only for specific purposes and limited periods of time. The standard
amount of liability included in the guarantee shall be $1,000. For an amount of liability in excess thereof,
100% of Base Rate A, based on the amount of liability issued, shall be added.
(a) Except under the limited conditions as provided for in Paragraph (b) below, the Charge is
$550 for each chain of title plus $3 for each item reported.
(b) No Charge applies when the guarantee meets all of the following criteria: (i) issued to
cover a limited service for the benefit of a lender only; (ii) issued no more than six months
before the date the loan is received; and (iii) related to the issuance of a policy of title
insurance on the same property based upon a full examination of title.
J.4 MECHANIC’S LIEN GUARANTEE
$350 per parcel, includes two liens, plus $3 for each lien over two reported. The amount of liability shall
be the next multiple of $100 above the Rate charged.
J.5 JUDGMENT AND TAX LIEN GUARANTEE
$250 per name (spouses considered one name) plus $3 for each lien over two reported. The amount of
liability shall be the next multiple of $100 above the Rate charged.
J.6 LOT BOOK GUARANTEE
$250 per parcel for furnishing the record owner and any deed of trust or mortgages affecting the property,
plus an additional Charge of $3 per document for any of the following documents:
Homestead Lien Contracts
Agreement to Convey Financing Statements
Attachments Notice of Completion
Agreement Not to Encumber Tax Deed
Assignment of Rents Declaration of Default
The amount of liability shall be the next multiple of $100 above the Rate charged.
21
J.7 COMBINED LOT BOOK/JUDGMENT AND TAX LIEN GUARANTEE
$200 plus $3 for each lien and document reported as listed under Sections J.5 and J.6 for issuance only
to County Treasurers for use in connection with tax sale foreclosures. The amount of liability shall be the
next multiple of $100 above the Rate charged.
J.8 PROPERTY SEARCH GUARANTEE
This section applies to guarantees, based upon an examination of the assessor’s tax rolls and the
grantee indices, as applicable, of the office of the County Recorder listing those properties apparently
vested in, or deeds of trust or mortgages held by certain designated parties. The amount of liability shall
be the next multiple of $100 above the Rate paid.
(a) Assessor’s tax rolls only: $10 per year, per name (spouses considered one name), plus
$5 for each parcel over two reported.
(b) Recorder’s indices, including the current year Assessor’s Rolls: $20 per year, per name
(spouses considered one name), with a minimum Charge of $60, plus $5 for each parcel
over two reported on property searches, plus $3 for each deed of trust over two reported
on encumbrance searches.
J.9 PARCEL OR SUBDIVISION MAP GUARANTEE
A parcel or subdivision map guarantee, including the examination of the map, letter of dedication and
necessary tax letter, may be issued for the benefit of an owner, a licensed surveyor or registered civil
engineer, and the county and the city within which the parcel or subdivision map is located with an
amount of liability limited to $3,000 for a Charge of $75.
A parcel or subdivision map guarantee may be issued to a developer, contractor, or subdivider for a
project as defined in Section G with an amount of liability limited to $3,000 for a Charge of $50, plus $20
for each ownership easement, right-of-way or interest searched or reported on.
J.10 RECORDED DOCUMENT GUARANTEE
The recorded document guarantee is based upon an examination of the Company’s title plant records
and the grantor/grantee indices, as applicable, of the County Recorder’s office as to certain designated
documents which describe the subject real property.
(a) If the Company does not have an open order on the subject property for the purpose of
insuring title, the Charge for the guarantee shall be as quoted by the Company and
agreed to in advance by the customer, subject to a minimum Charge of $1,000.
(b) If the guarantee is issued in conjunction with an open order for title insurance, the Rate
for the guarantee shall be:
22
Liability Rate
Up to and including $10,000 $250
$10,001 to $15,000 $350
$15,001 to $20,000 $450
$20,001 to $25,000 $550
No guarantee shall be issued for an amount of liability in excess of $25,000.
(c) If a policy of title insurance is issued to the applicant by the Company within six months of
the date of the guarantee and the liability of the policy is $10,000,000 or more, the
guarantee Charge shall be credited towards the Scheduled Rate.
J.11 REALTY LETTER REPORT
The Charge for a realty letter report that includes the grantee and legal description set out in the most
recent conveyance, judgments and tax liens, real estate contracts, mortgages or deeds of trust and
property tax is $90 per parcel, with the amount of liability limited to the amount of the fee paid.
SECTION K
REO RATES
The Rates set forth in this Section K are applicable only when (1) the Company has a written service
contract with the REO lender; and (2) a single point of contact between the REO lender and the Company
through First American Mortgage Solutions Group has been established.
K.1 STATEWIDE REO RATE
Statewide REO Rate For Title Insurance
(Without Escrow Service)
Amount of Insurance Rate Amount of Insurance Rate Amount of Insurance Rate
Up to and including
$30,000 $318 $50,001 to $55,000 $444 $75,001 to $80,000 $549
$30,001 to $35,000
$344
$55,001 to $60,000
$465
$80,001 to $85,000
$570
$35,001 to $40,000
$370
$60,001 to $65,000
$486
$85,001 to $90,000
$591
$40,001 to $45,000
$396
$65,001 to $70,000
$507
$90,001 to $95,000
$606
$45,001 to $50,000
$423
$70,001 to $75,000
$528
$95,001 to $100,000
$622
Additional Amounts of Insurance
For each additional $5,000 from $100,001 to $300,000, add $13.25
For each additional $5,000 from $300,001 to $1,000,000, add $10.50
For each additional $5,000 from $1,000,001 to $3,000,000, add $9.75
For each additional $5,000 from $3,000,001 to $5,000,000, add $9.25
For each additional $5,000 from $5,000,001 to $10,000,000, add $8.00
For each additional $5,000 from $10,000,001 to $50,000,000, add $6.25
For each additional $5,000 above $50,000,000, add $6.00
23
K.2 OWNER’S POLICY FOLLOWING A FORECLOSURE OR DEED IN LIEU OF FORECLOSURE
Where an Owner’s Policy is to be issued following a foreclosure or deed in lieu of foreclosure of an
insured mortgage or deed of trust, the Charge shall be 50% of the statewide REO Rate for the type of
coverage requested, with a minimum Charge of $360.
The minimum liability of any policy issued under this section shall be based upon the amount of the
defaulted loan plus the unpaid balance of any prior loan to which the title is to remain subject, unless it
can be demonstrated that the actual value of the estate or interest to be insured is less than this amount.
SECTION L
UCC INSURANCE
These Rates apply to a single-site, single debtor/obligor or seller transaction and may include one UCC
pre-filing search at the Office of the Secretary of State, as well as pre-search filing copies up to ten (10)
pages. The above Rates may also include the preparation and filing of one required UCC Financing
Statement and such services as the Company may provide in order to track the expiration and
termination dates of UCC Financing Statement(s) insured under the EAGLE 9® UCC Insurance Policy for
which the Rate is paid.
L.1 UCC BASIC INSURANCE RATES
The Rate in this Section L.1 is the “UCC Basic Insurance Rate.”
Amount of Insurance Rate
Up to and including $500,000 $1.57 per $1,000, minimum $500
$500,001 to $2,000,000 $785 plus $0.70 per $1,000 on the amount over $500,000
$2,000,001 to $5,000,000 $1,835 plus $0.55 per $1,000 on the amount over $2,000,000
$5,000,001 to $10,000,000 $3,485 plus $0.50 per $1,000 on the amount over $5,000,000
$10,000,001 to $20,000,000 $5,985 plus $0.46 per $1,000 on the amount over $10,000,000
$20,000,001 to $30,000,000 $10,585 plus $0.42 per $1,000 on the amount over $20,000,000
$30,000,001 to $40,000,000 $14,785 plus $0.40 per $1,000 on the amount over $30,000,000
$40,000,001 to $50,000,000 $18,785 plus $0.38 per $1,000 on the amount over $40,000,000
$50,000,001 to $100,000,000 $22,585 plus $0.37 per $1,000 on the amount over $50,000,000
$100,000,001 to $300,000,000 $41,085 plus $0.36 per $1,000 on the amount over $100,000,000
Above $300,000,000 $113,085 plus $0.35 per $1,000 on the amount over $300,000,000
L.2 MIXED COLLATERAL TRANSACTIONS
In transactions of any amount where both real property and personal property secure the subject
indebtedness and are pledged by the same pledgors, and policies are issued by the Company
concurrently as to both the real property and the personal property, the EAGLE 9® UCC Insurance Policy
may be issued at a Rate of 90% of the UCC Basic Insurance Rate.
L.3 PROJECT OR PORTFOLIO RATE
For transactions of any amount that may be considered part of the same project or portfolio of loans
having a common lender, centralized electronic order processing and tracking capabilities, and a single
24
point of contact with the originating lender, EAGLE 9® UCC Insurance Policies may be issued at a
Charge of 50% of the Rate calculated under this Schedule. No other discounts shall apply.
L.4 BUYERS’ POLICIES
In transactions in which the EAGLE 9® UCC Insurance Policy for Buyers is the only UCC insurance
policy issued by the Company, the Rate shall be 50% of the UCC Basic Insurance Rate, with a minimum
Charge of $500, but in no event shall the Rate for an EAGLE 9® UCC Insurance Policy for Buyers be less
than $0.35 per $1,000 of insurance.
L.5 CONCURRENTLY ISSUED POLICIES
In transactions in which both the EAGLE 9® UCC Insurance Policy and the EAGLE 9® UCC Insurance
Policy for Buyers are issued, the EAGLE 9® UCC Insurance Policy for Buyers may be issued at a Charge
of 10% of the Charge for the EAGLE 9® UCC Insurance Policy, with a minimum Charge of $500, in
addition to the Rate applied to the EAGLE 9® UCC Insurance Policy. In transactions in which the amount
of the EAGLE 9® UCC Insurance Policy for Buyers exceeds that of the EAGLE 9® UCC Insurance
Policy, the Rate applicable to such excess amount shall be 50% of the UCC Basic Insurance Rate.
L.6 VACATION INTEREST POLICIES
On transactions where the EAGLE 9® UCC Vacation Interest Policy is issued, the Rate shall be:
Sale Price Liability Rate
Up to and including
$75,000
$30
Above $75,000 $0.75 per $1,000 of liability
L.7 UCC ENDORSEMENTS
Number
Description
Rate
E9-5.0 Seller’s Lien Endorsement 10% of policy Rate for the first seller of the
pledged collateral to the debtor and 5% for each
additional seller, with a minimum endorsement
Charge of $250 per seller.
Costs associated with searches are not
included.
E9-6.0 Tax Lien Endorsement $150 for $0 to $250,000 in coverage and $0.18
per $1,000 for $250,001 and above in coverage
per jurisdiction per debtor.
Costs associated with tax lien searches are not
included.
E9-7.0 Renewal Endorsement 10% of policy Rate, with a minimum
endorsement Charge of $500.
E9-10.0 Tracking Endorsement – RESTATED $29
E9-11.0 Lender’s Aggregation Endorsement $250
E9-16.0 Mezzanine Endorsement 10% of policy Rate for the first issuer of the
pledged equity and 5% for each additional
issuer, with a minimum endorsement Charge of
$250 per issuer.
E9-17.0 Pledged Equity Endorsement 10% of policy Rate for the first issuer of the
pledged equity and 5% for each additional
issuer, with a minimum endorsement Charge of
$250 per issuer.
25
Number
Description
Rate
E9-26.0 Waiver of Attorney Subrogation Rights
Endorsement
$125, if to insured lender’s counsel
$1000, if to debtor’s counsel
E9-28.0 Springing Control Endorsement 5% of policy Rate for the first issuer of the
pledged equity and 2.5% for each additional
issuer, with a minimum endorsement Charge of
$125 per issuer.
E9-29.0 Post-Policy Tax Lien Endorsement $125 per jurisdiction searched per debtor per
bring down endorsement.
Costs associated with tax lien searches are not
included.
E9-30.0 Endorsement to Issue Post-Policy Judgment Lien
Endorsement
$125 per jurisdiction searched per debtor per
bring down endorsement.
Costs associated with searches are not
included.
E9-34.0 Borrower’s Status $125
E9-35.0 Date Down Endorsement to the EAGLE 9® UCC
Foreclosure Notice Insurance Policy
Within 90 days of the original Date of Policy:
$100 for $250,000, and $0.03 per $1,000 in
coverage above $250,000.
Over 90 days from the original Date of Policy:
$100 for $250,000, and $0.09 per $1,000 in
coverage above $250,000.
E9-37.0 Post-Policy Modification Endorsement Cost will depend on type of modification.
Change of Name of Insured:
Paragraph 1 - $500
Update to all of Schedule A - $850 single debtor
($150 for each additional debtor)
Costs associated with searches are not
included.
E9B-1.0 Buyer’s Aggregation Endorsement $250
E9B-2.0 Increase to Insuring Clause 2
Coverage Endorsement – RESTATED
$0.18 per $1,000 in coverage above $250,000
per seller name per jurisdiction.
Costs associated with tax lien searches are not
included.
E9B-3.0 Equity Ownership Endorsement 10% of policy Rate for the first issuer of pledged
equity and 5% for each additional issuer, with a
minimum endorsement Charge of $250 per
issuer.
E9B-4.0 Increase in Tax Lien Coverage Endorsement $0.18 per $1,000 in coverage above $250,000
per seller name per jurisdiction.
Costs associated with tax lien searches are not
included.
E9B-5.0 Amendment to Insuring Clause Coverage
Endorsement
$0.18 per $1,000 in coverage above $250,000
per seller name per jurisdiction.
Costs associated with searches are not
included.
L.8 INSURED SEARCH POLICIES
In transactions in which the EAGLE 9® UCC Search Insurance Policy is issued, the following Rates
apply:
Liability Amount Rate
Up to and including $25,000 $34
26
Liability Amount Rate
$25,001 to $50,000 $44
$50,001 to $100,000 $54
$100,001 to $150,000 $64
$150,001 to $200,000 $74
$200,001 to $250,000 $84
The above Rates include one debtor search in a single jurisdiction. The cost associated with the
appropriate UCC search, including but not limited to any correspondent, jurisdictional, delivery, and/or
copy costs, is not included in the above Rates.
L.9 INSURED FILING POLICY
In transactions in which the EAGLE 9® UCC Filing Insurance Policy is issued, the following Rates shall
apply:
Liability Amount Rate
Up to and including $25,000 $34
$25,001 to $50,000 $44
$50,001 to $100,000 $54
$100,001 to $150,000 $64
$150,001 to $200,000 $74
$200,001 to $250,000 $84
The above Rates include one debtor filing in a single jurisdiction. The cost associated with the
appropriate filing is not included in the above Rates.
L.10 FORECLOSURE NOTICE POLICY
In transactions in which the EAGLE 9® UCC Foreclosure Notice Insurance Policy is issued, the following
Rates apply:
Liability Amount Rate
Up to and including $250,000 $175
Above $250,000
$175, plus $0.18 per $1,000 for liability in excess
of $250,000
Appendix A-1
APPENDIX A
BASE RATE A
For the following counties: Clark, Lincoln, and Nye
Amount of Insurance Charge
Up to and including $50,000 $487
$50,001 to $100,000 Add $43.68 per $10,000
$100,001 to $200,000 Add $32.76 per $10,000
$200,001 to $300,000 Add $30.16 per $10,000
$300,001 to $1,000,000 Add $21.84 per $10,000
$1,000,001 to $3,000,000 Add $19.24 per $10,000
$3,000,001 to $5,000,000 Add $15.08 per $10,000
Above $5,000,000 See Section H
For the following counties: All counties except Clark, Lincoln and Nye
Amount of Insurance Charge
Up to and including $50,000 $487
$50,001 to $100,000 Add $43.26 per $10,000
$100,001 to $200,000 Add $32.45 per $10,000
$200,001 to $300,000 Add $29.87 per $10,000
$300,001 to $1,000,000 Add $21.63 per $10,000
$1,000,001 to $3,000,000 Add $19.06 per $10,000
$3,000,001 to $5,000,000 Add $14.94 per $10,000
Above $5,000,000 See Section H
Appendix B-1
APPENDIX B
BASE RATE B
Policy Amount
Up To And
Including
Rate
Up To And
Including
Rate
Up To And
Including
Rate
Up To And
Including
Rate
$150,000 $ 350.00 $600,000 $ 720.00 $1,050,000 $ 1,350.00 $1,500,000 $ 1,790.00
$160,000 $ 360.00 $610,000 $ 730.00 $1,060,000 $ 1,360.00 $1,510,000 $ 1,800.00
$170,000 $ 360.00 $620,000 $ 740.00 $1,070,000 $ 1,370.00 $1,520,000 $ 1,810.00
$180,000 $ 390.00 $630,000 $ 750.00 $1,080,000 $ 1,380.00 $1,530,000 $ 1,820.00
$190,000 $ 410.00 $640,000 $ 760.00 $1,090,000 $ 1,390.00 $1,540,000 $ 1,830.00
$200,000 $ 420.00 $650,000 $ 770.00 $1,100,000 $ 1,400.00 $1,550,000 $ 1,830.00
$210,000 $ 430.00 $660,000 $ 800.00 $1,110,000 $ 1,410.00 $1,560,000 $ 1,840.00
$220,000 $ 450.00 $670,000 $ 830.00 $1,120,000 $ 1,420.00 $1,570,000 $ 1,850.00
$230,000 $ 450.00 $680,000 $ 860.00 $1,130,000 $ 1,430.00 $1,580,000 $ 1,860.00
$240,000 $ 470.00 $690,000 $ 900.00 $1,140,000 $ 1,440.00 $1,590,000 $ 1,870.00
$250,000 $ 480.00 $700,000 $ 930.00 $1,150,000 $ 1,450.00 $1,600,000 $ 1,880.00
$260,000 $ 480.00 $710,000 $ 950.00 $1,160,000 $ 1,460.00 $1,610,000 $ 1,890.00
$270,000 $ 490.00 $720,000 $ 970.00 $1,170,000 $ 1,470.00 $1,620,000 $ 1,900.00
$280,000 $ 490.00 $730,000 $ 1,000.00 $1,180,000 $ 1,480.00 $1,630,000 $ 1,910.00
$290,000 $ 490.00 $740,000 $ 1,020.00 $1,190,000 $ 1,490.00 $1,640,000 $ 1,920.00
$300,000 $ 490.00 $750,000 $ 1,030.00 $1,200,000 $ 1,500.00 $1,650,000 $ 1,930.00
$310,000 $ 490.00 $760,000 $ 1,040.00 $1,210,000 $ 1,510.00 $1,660,000 $ 1,940.00
$320,000 $ 500.00 $770,000 $ 1,050.00 $1,220,000 $ 1,520.00 $1,670,000 $ 1,950.00
$330,000 $ 500.00 $780,000 $ 1,060.00 $1,230,000 $ 1,530.00 $1,680,000 $ 1,960.00
$340,000 $ 500.00 $790,000 $ 1,080.00 $1,240,000 $ 1,540.00 $1,690,000 $ 1,970.00
$350,000 $ 510.00 $800,000 $ 1,090.00 $1,250,000 $ 1,550.00 $1,700,000 $ 1,980.00
$360,000 $ 520.00 $810,000 $ 1,100.00 $1,260,000 $ 1,560.00 $1,710,000 $ 1,990.00
$370,000 $ 530.00 $820,000 $ 1,110.00 $1,270,000 $ 1,570.00 $1,720,000 $ 2,000.00
$380,000 $ 540.00 $830,000 $ 1,120.00 $1,280,000 $ 1,580.00 $1,730,000 $ 2,010.00
$390,000 $ 550.00 $840,000 $ 1,130.00 $1,290,000 $ 1,580.00 $1,740,000 $ 2,020.00
$400,000 $ 560.00 $850,000 $ 1,140.00 $1,300,000 $ 1,590.00 $1,750,000 $ 2,030.00
$410,000 $ 570.00 $860,000 $ 1,150.00 $1,310,000 $ 1,600.00 $1,760,000 $ 2,040.00
$420,000 $ 570.00 $870,000 $ 1,160.00 $1,320,000 $ 1,610.00 $1,770,000 $ 2,050.00
$430,000 $ 580.00 $880,000 $ 1,170.00 $1,330,000 $ 1,620.00 $1,780,000 $ 2,060.00
$440,000 $ 590.00 $890,000 $ 1,190.00 $1,340,000 $ 1,630.00 $1,790,000 $ 2,070.00
$450,000 $ 600.00 $900,000 $ 1,200.00 $1,350,000 $ 1,640.00 $1,800,000 $ 2,080.00
$460,000 $ 610.00 $910,000 $ 1,210.00 $1,360,000 $ 1,650.00 $1,810,000 $ 2,090.00
$470,000 $ 620.00 $920,000 $ 1,220.00 $1,370,000 $ 1,660.00 $1,820,000 $ 2,090.00
$480,000 $ 630.00 $930,000 $ 1,230.00 $1,380,000 $ 1,670.00 $1,830,000 $ 2,100.00
$490,000 $ 640.00 $940,000 $ 1,240.00 $1,390,000 $ 1,680.00 $1,840,000 $ 2,110.00
$500,000 $ 650.00 $950,000 $ 1,250.00 $1,400,000 $ 1,690.00 $1,850,000 $ 2,120.00
$510,000 $ 660.00 $960,000 $ 1,260.00 $1,410,000 $ 1,700.00 $1,860,000 $ 2,130.00
$520,000 $ 670.00 $970,000 $ 1,270.00 $1,420,000 $ 1,710.00 $1,870,000 $ 2,140.00
$530,000 $ 670.00 $980,000 $ 1,280.00 $1,430,000 $ 1,720.00 $1,880,000 $ 2,150.00
$540,000 $ 680.00 $990,000 $ 1300.00 $1,440,000 $ 1,730.00 $1,890,000 $ 2,160.00
$550,000 $ 680.00 $1,000,000 $ 1,310.00 $1,450,000 $ 1,740.00 $1,900,000 $ 2,170.00
$560,000 $ 690.00 $1,010,000 $ 1,320.00 $1,460,000 $ 1,750.00 $1,910,000 $ 2,180.00
$570,000 $ 700.00 $1,020,000 $ 1,320.00 $1,470,000 $ 1,760.00 $1,920,000 $ 2,190.00
$580,000 $ 710.00 $1,030,000 $ 1,330.00 $1,480,000 $ 1,770.00 $1,930,000 $ 2,200.00
$590,000 $ 720.00 $1,040,000 $ 1,340.00 $1,490,000 $ 1,780.00 $1,940,000 $ 2,210.00
Appendix B-2
Up To And
Including
Rate
Up To And
Including
Rate
Up To And
Including
Rate
Up To And
Including
Rate
$1,950,000 $ 2,220.00 $2,400,000 $ 2,650.00 $2,850,000 $ 3,090.00 $3,300,000 $ 3,530.00
$1,960,000 $ 2,230.00 $2,410,000 $ 2,660.00 $2,860,000 $ 3,100.00 $3,310,000 $ 3,540.00
$1,970,000 $ 2,240.00 $2,420,000 $ 2,670.00 $2,870,000 $ 3,110.00 $3,320,000 $ 3,550.00
$1,980,000 $ 2,250.00 $2,430,000 $ 2,680.00 $2,880,000 $ 3,120.00 $3,330,000 $ 3,560.00
$1,990,000 $ 2,260.00 $2,440,000 $ 2,690.00 $2,890,000 $ 3,120.00 $3,340,000 $ 3,570.00
$2,000,000 $ 2,270.00 $2,450,000 $ 2,700.00 $2,900,000 $ 3,130.00 $3,350,000 $ 3,580.00
$2,010,000 $ 2,280.00 $2,460,000 $ 2,710.00 $2,910,000 $ 3,140.00 $3,360,000 $ 3,590.00
$2,020,000 $ 2,290.00 $2,470,000 $ 2,720.00 $2,920,000 $ 3,150.00 $3,370,000 $ 3,600.00
$2,030,000 $ 2,300.00 $2,480,000 $ 2,730.00 $2,930,000 $ 3,160.00 $3,380,000 $ 3,610.00
$2,040,000 $ 2,310.00 $2,490,000 $ 2,740.00 $2,940,000 $ 3,170.00 $3,390,000 $ 3,620.00
$2,050,000 $ 2,320.00 $2,500,000 $ 2,750.00 $2,950,000 $ 3,180.00 $3,400,000 $ 3,630.00
$2,060,000 $ 2,330.00 $2,510,000 $ 2,760.00 $2,960,000 $ 3,190.00 $3,410,000 $ 3,640.00
$2,070,000 $ 2,340.00 $2,520,000 $ 2,770.00 $2,970,000 $ 3,200.00 $3,420,000 $ 3,650.00
$2,080,000 $ 2,350.00 $2,530,000 $ 2,780.00 $2,980,000 $ 3,210.00 $3,430,000 $ 3,660.00
$2,090,000 $ 2,350.00 $2,540,000 $ 2,790.00 $2,990,000 $ 3,220.00 $3,440,000 $ 3,670.00
$2,100,000 $ 2,360.00 $2,550,000 $ 2,800.00 $3,000,000 $ 3,230.00 $3,450,000 $ 3,680.00
$2,110,000 $ 2,370.00 $2,560,000 $ 2,810.00 $3,010,000 $ 3,240.00 $3,460,000 $ 3,690.00
$2,120,000 $ 2,380.00 $2,570,000 $ 2,820.00 $3,020,000 $ 3,250.00 $3,470,000 $ 3,700.00
$2,130,000 $ 2,390.00 $2,580,000 $ 2,830.00 $3,030,000 $ 3,260.00 $3,480,000 $ 3,710.00
$2,140,000 $ 2,400.00 $2,590,000 $ 2,840.00 $3,040,000 $ 3,270.00 $3,490,000 $ 3,720.00
$2,150,000 $ 2,410.00 $2,600,000 $ 2,850.00 $3,050,000 $ 3,280.00 $3,500,000 $ 3,730.00
$2,160,000 $ 2,420.00 $2,610,000 $ 2,860.00 $3,060,000 $ 3,290.00 $3,510,000 $ 3,740.00
$2,170,000 $ 2,430.00 $2,620,000 $ 2,860.00 $3,070,000 $ 3,300.00 $3,520,000 $ 3,750.00
$2,180,000 $ 2,440.00 $2,630,000 $ 2,870.00 $3,080,000 $ 3,310.00 $3,530,000 $ 3,760.00
$2,190,000 $ 2,450.00 $2,640,000 $ 2,880.00 $3,090,000 $ 3,320.00 $3,540,000 $ 3,770.00
$2,200,000 $ 2,460.00 $2,650,000 $ 2,890.00 $3,100,000 $ 3,330.00 $3,550,000 $ 3,780.00
$2,210,000 $ 2,470.00 $2,660,000 $ 2,900.00 $3,110,000 $ 3,340.00 $3,560,000 $ 3,790.00
$2,220,000 $ 2,480.00 $2,670,000 $ 2,910.00 $3,120,000 $ 3,350.00 $3,570,000 $ 3,800.00
$2,230,000 $ 2,490.00 $2,680,000 $ 2,920.00 $3,130,000 $ 3,360.00 $3,580,000 $ 3,810.00
$2,240,000 $ 2,500.00 $2,690,000 $ 2,930.00 $3,140,000 $ 3,370.00 $3,590,000 $ 3,820.00
$2,250,000 $ 2,510.00 $2,700,000 $ 2,940.00 $3,150,000 $ 3,380.00 $3,600,000 $ 3,830.00
$2,260,000 $ 2,520.00 $2,710,000 $ 2,950.00 $3,160,000 $ 3,390.00 $3,610,000 $ 3,840.00
$2,270,000 $ 2,530.00 $2,720,000 $ 2,960.00 $3,170,000 $ 3,400.00 $3,620,000 $ 3,850.00
$2,280,000 $ 2,540.00 $2,730,000 $ 2,970.00 $3,180,000 $ 3,410.00 $3,630,000 $ 3,860.00
$2,290,000 $ 2,550.00 $2,740,000 $ 2,980.00 $3,190,000 $ 3,420.00 $3,640,000 $ 3,870.00
$2,300,000 $ 2,560.00 $2,750,000 $ 2,990.00 $3,200,000 $ 3,430.00 $3,650,000 $ 3,880.00
$2,310,000 $ 2,570.00 $2,760,000 $ 3,000.00 $3,210,000 $ 3,440.00 $3,660,000 $ 3,890.00
$2,320,000 $ 2,580.00 $2,770,000 $ 3,010.00 $3,220,000 $ 3,450.00 $3,670,000 $ 3,900.00
$2,330,000 $ 2,590.00 $2,780,000 $ 3,020.00 $3,230,000 $ 3,460.00 $3,680,000 $ 3,910.00
$2,340,000 $ 2,600.00 $2,790,000 $ 3,030.00 $3,240,000 $ 3,470.00 $3,690,000 $ 3,920.00
$2,350,000 $ 2,600.00 $2,800,000 $ 3,040.00 $3,250,000 $ 3,480.00 $3,700,000 $ 3,930.00
$2,360,000 $ 2,610.00 $2,810,000 $ 3,050.00 $3,260,000 $ 3,490.00 $3,710,000 $ 3,940.00
$2,370,000 $ 2,620.00 $2,820,000 $ 3,060.00 $3,270,000 $ 3,500.00 $3,720,000 $ 3,950.00
$2,380,000 $ 2,630.00 $2,830,000 $ 3,070.00 $3,280,000 $ 3,510.00 $3,730,000 $ 3,960.00
$2,390,000 $ 2,640.00 $2,840,000 $ 3,080.00 $3,290,000 $ 3,520.00 $3,740,000 $ 3,970.00
Appendix B-3
Up To And
Including
Rate
Up To And
Including
Rate
Up To And
Including
Rate
$3,750,000 $ 3,980.00 $4,170,000 $ 4,400.00 $4,590,000 $ 4,820.00
$3,760,000 $ 3,990.00 $4,180,000 $ 4,410.00 $4,600,000 $ 4,830.00
$3,770,000 $ 4,000.00 $4,190,000 $ 4,420.00 $4,610,000 $ 4,840.00
$3,780,000 $ 4,010.00 $4,200,000 $ 4,430.00 $4,620,000 $ 4,850.00
$3,790,000 $ 4,020.00 $4,210,000 $ 4,440.00 $4,630,000 $ 4,860.00
$3,800,000 $ 4,030.00 $4,220,000 $ 4,450.00 $4,640,000 $ 4,870.00
$3,810,000 $ 4,040.00 $4,230,000 $ 4,460.00 $4,650,000 $ 4,880.00
$3,820,000 $ 4,050.00 $4,240,000 $ 4,470.00 $4,660,000 $ 4,890.00
$3,830,000 $ 4,060.00 $4,250,000 $ 4,480.00 $4,670,000 $ 4,900.00
$3,840,000 $ 4,070.00 $4,260,000 $ 4,490.00 $4,680,000 $ 4,910.00
$3,850,000 $ 4,080.00 $4,270,000 $ 4,500.00 $4,690,000 $ 4,920.00
$3,860,000 $ 4,090.00 $4,280,000 $ 4,510.00 $4,700,000 $ 4,930.00
$3,870,000 $ 4,100.00 $4,290,000 $ 4,520.00 $4,710,000 $ 4,940.00
$3,880,000 $ 4,110.00 $4,300,000 $ 4,530.00 $4,720,000 $ 4,950.00
$3,890,000 $ 4,120.00 $4,310,000 $ 4,540.00 $4,730,000 $ 4,960.00
$3,900,000 $ 4,130.00 $4,320,000 $ 4,550.00 $4,740,000 $ 4,970.00
$3,910,000 $ 4,140.00 $4,330,000 $ 4,560.00 $4,750,000 $ 4,980.00
$3,920,000 $ 4,150.00 $4,340,000 $ 4,570.00 $4,760,000 $ 4,990.00
$3,930,000 $ 4,160.00 $4,350,000 $ 4,580.00 $4,770,000 $ 5,000.00
$3,940,000 $ 4,170.00 $4,360,000 $ 4,590.00 $4,780,000 $ 5,010.00
$3,950,000 $ 4,180.00 $4,370,000 $ 4,600.00 $4,790,000 $ 5,020.00
$3,960,000 $ 4,190.00 $4,380,000 $ 4,610.00 $4,800,000 $ 5,030.00
$3,970,000 $ 4,200.00 $4,390,000 $ 4,620.00 $4,810,000 $ 5,040.00
$3,980,000 $ 4,210.00 $4,400,000 $ 4,630.00 $4,820,000 $ 5,050.00
$3,990,000 $ 4,220.00 $4,410,000 $ 4,640.00 $4,830,000 $ 5,060.00
$4,000,000 $ 4,230.00 $4,420,000 $ 4,650.00 $4,840,000 $ 5,070.00
$4,010,000 $ 4,240.00 $4,430,000 $ 4,660.00 $4,850,000 $ 5,080.00
$4,020,000 $ 4,250.00 $4,440,000 $ 4,670.00 $4,860,000 $ 5,090.00
$4,030,000 $ 4,260.00 $4,450,000 $ 4,680.00 $4,870,000 $ 5,100.00
$4,040,000 $ 4,270.00 $4,460,000 $ 4,690.00 $4,880,000 $ 5,110.00
$4,050,000 $ 4,280.00 $4,470,000 $ 4,700.00 $4,890,000 $ 5,120.00
$4,060,000 $ 4,290.00 $4,480,000 $ 4,710.00 $4,900,000 $ 5,130.00
$4,070,000 $ 4,300.00 $4,490,000 $ 4,720.00 $4,910,000 $ 5,140.00
$4,080,000 $ 4,310.00 $4,500,000 $ 4,730.00 $4,920,000 $ 5,150.00
$4,090,000 $ 4,320.00 $4,510,000 $ 4,740.00 $4,930,000 $ 5,160.00
$4,100,000 $ 4,330.00 $4,520,000 $ 4,750.00 $4,940,000 $ 5,170.00
$4,110,000 $ 4,340.00 $4,530,000 $ 4,760.00 $4,950,000 $ 5,180.00
$4,120,000 $ 4,350.00 $4,540,000 $ 4,770.00 $4,960,000 $ 5,190.00
$4,130,000 $ 4,360.00 $4,550,000 $ 4,780.00 $4,970,000 $ 5,200.00
$4,140,000 $ 4,370.00 $4,560,000 $ 4,790.00 $4,980,000 $ 5,210.00
$4,150,000 $ 4,380.00 $4,570,000 $ 4,800.00 $4,990,000 $ 5,220.00
$4,160,000 $ 4,390.00 $4,580,000 $ 4,810.00 $5,000,000 $ 5,230.00
Appendix C-1
APPENDIX C
ENDORSEMENT RATES
Filed endorsement Charges are as set forth in the charts below. The Charges contained herein are
keyed to the coverages specifically referred to in each endorsement. Additional Charges may be made
for inspections or additional work where warranted. Whenever a particular endorsement is modified to
cover some other estate or interest than that described in the existing endorsement, a special price must
be obtained for such modified endorsement to conform to the type of policy issued or coverage given.
When requested to issue concurrently a series of the same type of endorsement on a single chain of title
in the same tract or subdivision, a single Charge may be made based upon the aggregate amount of the
estate or interest covered, plus $5 for each separate endorsement issued unless otherwise specified in
the following table. The division of the total amount of the Charge by the number of endorsements issued
shall be the Charge allotted to each endorsement. When an endorsement is issued on both the Owner’s
Policy and the Loan Policy, the total Charge for the endorsement will be the Charge for the endorsement
as issued on the Owner’s Policy.
As used in this chart, N/C = No Charge, std = Standard Coverage, ext = Extended Coverage, Scheduled
Rate = the Scheduled Rate for the title insurance policy for which the endorsement is applicable, CLTA =
California Land Title Association. Percentages refer to a percentage of Base Rate A based on the amount
of insurance of the title insurance policy for which the endorsement is applicable, unless otherwise
indicated.
Endorsements will be issued only if underwriting requirements are satisfied.
CLTA
NO.
ALTA
NO.
FA NO.
CROSS
REFERENCE
DESCRIPTION RATE
1 Street Assessments $100
3 CLTA 123.1 Zoning 15%
3.1 CLTA 123.2 Zoning – Completed Structure
Owner’s Policy: 25%
Loan Policy: 20%
3.2
Zoning – Land Under
Development
Owner’s Policy: 25%
Loan Policy: 20%
3.3
Zoning – Completed
Improvement – Non-
Conforming Use
Owner’s Policy: 25%
Loan Policy: 20%
3.4
Zoning – No Zoning
Classification
15%
4.1 CLTA 115.3
Condominium – Current
Assessments
N/C
5.1 CLTA 115.4
Planned Unit Development –
Current Assessments
N/C
6 CLTA 111.5 Variable Rate Mortgage N/C
6.2 CLTA 111.8
Variable Rate Mortgage –
Negative Amortization
N/C
7 CLTA 116.5 Manufactured Housing Unit $50
7.1 CLTA 116.5.1
Manufactured Housing Unit –
Conversion – Loan
$50
7.2 CLTA 116.5.2
Manufactured Housing Unit –
Conversion – Owner’s
$50
Appendix C-2
CLTA
NO.
ALTA
NO.
FA NO.
CROSS
REFERENCE
DESCRIPTION RATE
8.1 CLTA 110.9 Environmental Protection Lien $25
8.2
Commercial Environmental
Protection Lien
$100
9 CLTA 100.2
Restrictions, Encroachments,
Minerals – Loan Policy
$100
9.1 CLTA 100.9
Covenants, Conditions and
Restrictions – Unimproved
Land – Owner’s Policy
$100
9.2 CLTA 100.10
Covenants, Conditions and
Restrictions – Improved Land
– Owner’s Policy
$100
9.3 CLTA 100.2.1
Covenants, Conditions and
Restrictions – Loan Policy
$100
9.6 Private Rights – Loan Policy $100
9.6.1
Private Rights – Current
Assessments – Loan Policy
$100
9.7
Restrictions, Encroachments,
Minerals – Land Under
Development – Loan Policy
10%, Min. $100, Max. $500
9.8
Covenants, Conditions and
Restrictions – Land Under
Development – Owner’s
Policy
15%, Min. $100, Max. $750
9.9
Private Rights – Owner’s
Policy
$250
9.10
Restrictions, Encroachments,
Minerals – Current Violations
– Loan Policy
Residential: $25
Commercial: $100
10 CLTA 104.12 Assignment
N/C if issued with the policy,
or $100 if issued after the
policy.
10.1 CLTA 104.13 Assignment and Date Down
40% based upon the unpaid
balance of the encumbrance,
Min. $300, Max. $1,000,
provided that where multiple
assignments of beneficial
interest by the same
beneficiary are recorded
concurrently, the Charge is
based on the aggregate
amount of the unpaid
balances of the deeds of trust
or mortgages being assigned,
plus $75 for each
endorsement over one.
Appendix C-3
CLTA
NO.
ALTA
NO.
FA NO.
CROSS
REFERENCE
DESCRIPTION RATE
11 CLTA 110.11 Mortgage Modification
45% based upon loan
balance, Min. $300,
Max. $750
(Max. applies only if a First
American policy, ALTA 11 or
110.5 endorsement was
issued within the prior
18 months.)
When issued in conjunction
with a 108.8 endorsement,
only charge for highest rated
endorsement.
11.1
CLTA
110.11.1
Mortgage Modification with
Subordination
45% based upon loan
balance, Min. $300, Max.
$750
(Max. applies only if a First
American policy, ALTA 11,
110.5 or 110.6 endorsement
was issued within the prior 18
months.)
When issued in conjunction
with a 108.8 endorsement,
only charge for highest rated
endorsement.
11.2
Mortgage Modification with
Additional Amount of
Insurance
The greater of (a) the Rate for
a 108.8 endorsement, or (b)
the Rate for a 110.5
endorsement; Min. $300.
12 CLTA 117 Aggregation – Loan $100 per issue
12.1
Aggregation – State Limits –
Loan
$100
13 Leasehold – Owner’s Policy N/C
13.1 Leasehold – Loan Policy N/C
14 CLTA 111.14 Future Advance – Priority $25
14.1
CLTA
111.14.1
Future Advance – Knowledge $25
14.2
CLTA
111.14.2
Future Advance – Letter of
Credit
$25
14.3
CLTA
111.14.3
Future Advance Reverse
Mortgage
$25
15 CLTA 127
Non-Imputation – Full Equity
Transfer
10%
15.1 CLTA 127.1
Non-Imputation – Additional
Insured
10%
15.2 CLTA 127.2
Non-Imputation – Partial
Equity Transfer
10%
16 CLTA 128 Mezzanine Financing $500
17 CLTA 103.11 Access and Entry $100
17.1 CLTA 103.12 Indirect Access and Entry $250
Appendix C-4
CLTA
NO.
ALTA
NO.
FA NO.
CROSS
REFERENCE
DESCRIPTION RATE
17.2 Utility Access
Improved: $100
Unimproved: $250
18 CLTA 129 Single Tax Parcel $100
18.1 CLTA 129.1
Multiple Tax Parcel –
Easements
$100
18.3 Single Tax Parcel and ID $100
19 CLTA 116.4.1 Contiguity – Multiple Parcels $100
19.1 CLTA 116.4 Contiguity – Single Parcel $100
19.2 Contiguity – Specific Parcels $100
20 CLTA 130
First Loss – Multiple Parcel
Transactions
$250
22 CLTA 116.01 Location
N/C if issued concurrently with
policy, 10% if issued
subsequently.
22.1 CLTA 116.02 Location and Map
N/C if issued concurrently with
policy, 10% if issued
subsequently.
23 CLTA 114.3 Co-Insurance – Single Policy N/C
24 CLTA 133 Doing Business $100
25 CLTA 116.1 Same as Survey
std: 20%
ext: $100
25.1 CLTA 116.1.2 Same as Portion of Survey
std: 20%
ext: $100
26 CLTA 116.8 Subdivision $100 per issue
27 CLTA 132 Usury N/C
28 CLTA 103.1
Easement – Damage or
Enforced Removal
Owner’s Policy: 10%, Min.
$100, Max. $500
Loan Policy ext: $25
Loan Policy std: 10%
28.1
Encroachments – Boundaries
and Easements
Owner’s Policy: 15%, Min.
$100
Loan Policy: $100
28.2
Encroachments – Boundaries
and Easements – Described
Improvements
Owner’s Policy: 15%, Min.
$100
Loan Policy: $100
28.3
Encroachments – Boundaries
and Easements – Land Under
Development
Owner’s Policy: 15%, Min.
$100
Loan Policy: $100
29 CLTA 134
Interest Rate Swap – Direct
Obligation
10%
29.1 CLTA 134.1
Interest Rate Swap –
Additional Interest
10%
29.2
Interest Rate Swap – Direct
Obligation – Defined Amount
10%
29.3
Interest Rate Swap –
Additional Interest – Defined
Amount
10%
Appendix C-5
CLTA
NO.
ALTA
NO.
FA NO.
CROSS
REFERENCE
DESCRIPTION RATE
30 CLTA 135
Shared Appreciation
Mortgage
$100
30.1
Commercial Participation
Interest
$100
31 Severable Improvements $100
32 Construction Loan N/C
32.1
Construction Loan – Direct
Payment
N/C
32.2
Construction Loan – Insured’s
Direct Payment
N/C
33 Disbursement
Residential: $250
Commercial: $350
34 Identified Risk Coverage 20%, Min. $200, Max. $1,000
34.1
Identified Exception & Risk
Coverage
N/A
35
Minerals and Other
Subsurface Substances –
Buildings
Residential: N/C
Commercial Owner’s Policy:
$200
Commercial Loan Policy:
$100
35.1
Minerals and Other
Subsurface Substances –
Improvements
Residential: N/C
Commercial Owner’s Policy:
$200
Commercial Loan Policy:
$100
35.2
Minerals and Other
Subsurface Substances –
Described Improvements
Residential: N/C
Commercial Owner’s Policy:
$200
Commercial Loan Policy:
$100
35.3
Minerals and Other
Subsurface Substances –
Land Under Development
Owner’s Policy: $500
Loan Policy: $250
36
Energy Project – Leasehold/
Easement – Owner’s Policy
15%
36.1
Energy Project – Leasehold/
Easement – Loan Policy
10%
36.2
Energy Project – Leasehold –
Owner’s Policy
15%
36.3
Energy Project – Leasehold –
Loan Policy
10%
36.4
Energy Project – Covenants,
Conditions and Restrictions –
Land Under Dev. – Owner’s
Policy
20%
36.5
Energy Project – Covenants,
Conditions and Restrictions –
Land Under Dev. – Loan
10%
36.6
Energy Project –
Encroachments
10%
Appendix C-6
CLTA
NO.
ALTA
NO.
FA NO.
CROSS
REFERENCE
DESCRIPTION RATE
36.7
Energy Project – Fee Estate –
Owner’s Policy
10%
36.8
Energy Project – Fee Estate –
Loan Policy
10%
37 CLTA 104.6
Assignment of Rents or
Leases
$100
39 Policy Authentication N/C
40 Tax Credit – Owner’s Policy $100
40.1
Tax Credit – Defined Amount
– Owner’s Policy
$100, plus the Rate for the
additional amount of
insurance priced on an
increased liability basis as
provided in Section B.1.
41 Water – Buildings
Residential: N/C
Commercial Owner’s Policy:
20%, Max. $300.
Commercial Loan Policy:
10%, Max. $250
41.1 Water – Improvements
Residential: N/C
Commercial Owner’s Policy:
20%, Max. $300
Commercial Loan Policy:
10%, Max. $250
41.2
Water – Described
Improvements
Residential: N/C
Commercial Owner’s Policy:
20%, Max. $300
Commercial Loan Policy:
10%, Max. $250
41.3
Water – Land Under
Development
Residential: N/C
Commercial Owner’s Policy:
25%, Max. $750
Commercial Loan Policy:
10%, Max. $250
42 Commercial Lender Group $250
43 Anti-Taint – Loan Policy $150
44
Insured Mortgage Recording
– Loan
N/C
45
Pari Passu Mortgage – Loan
Policy
$50
46 Option $100
JR 1 ALTA JR 1
N/C for first endorsement if
issued within six months of
Original Policy; otherwise $25.
JR 2 JR2 Future Advance N/C
Deletion of Arbitration
Condition – Loan Policy
$100
Deletion of Arbitration
Condition – Owner’s Policy
$100
Appendix C-7
CLTA
NO.
ALTA
NO.
FA NO.
CROSS
REFERENCE
DESCRIPTION RATE
100
Restrictions, Encroachments,
& Minerals
$100
100.1
Restrictions, Encroachments,
& Minerals – Loan Policy
20%
100.2 ALTA 9
Restrictions, Encroachments,
Minerals – Loan Policy
$100
100.2.1 ALTA 9.3
Covenants, Conditions and
Restrictions – Loan Policy
$100
100.4 CC&R’s, Violations
ext: $25
std: 10%
100.5 CC&R’s, Violations
ext: $25
std: 20%
100.6
CC&R’s, Including Future
Violations – Owner’s Policy
ext: $25
std: 20%
100.7 CC&R’s, Violations
ext: $25
std: 20%
100.8 CC&R’s, Violations
ext: $25
std: 20%
100.9 ALTA 9.1
Covenants, Conditions and
Restrictions – Unimproved
Land – Owner’s Policy
$100
100.10 ALTA 9.2
Covenants, Conditions and
Restrictions – Improved Land
– Owner’s Policy
$100
100.12 CC&R’s, Right of Reversion $25
100.13
CC&R’s, Assessment Liens –
ALTA Lender
$25
100.17 CC&R’s, Proper Modification
Owner’s Policy: 20%
Loan Policy: 10%
100.18 CC&R’s, Right of Reversion $25
100.19 CC&R’s, Violations
ext: $25
std (Owner’s Policy): 20%
std (Loan Policy): 10%
100.20 CC&R’s, Violations
ext: $25
std (Owner’s Policy): 20%
std (Loan Policy): 10%
100.21
CC&R’s, Plans and
Specifications
ext: $25
std (Owner’s Policy): 20%
std (Loan Policy): 10%
100.23 Minerals, Surface Damage $25
100.24
Minerals, Surface Entry by
Damage
10%
100.25 Minerals, Surface Use 20%
100.26
Minerals, Present – Future
Improvements
Owner’s Policy: 20%
Loan Policy: 10%
100.27 CC&R’s, Violations $25
100.28
CC&R’s, Violation – Future
Improvements
Owner’s Policy: 20%
Loan Policy: 10%
Appendix C-8
CLTA
NO.
ALTA
NO.
FA NO.
CROSS
REFERENCE
DESCRIPTION RATE
100.29 Minerals, Surface Damage
Residential: N/C
Commercial Owner’s Policy:
$200
Commercial Loan Policy:
$100
101
Mechanic’s Liens – CLTA
Lender
10%
101.1 Mechanics’ Liens
ext: $100
std: 20%, Min. $100 (DVA
10%)
101.2
Mechanics’ Liens, Notice of
Completion
10%
101.3
Mechanics’ Liens, No Notice
of Completion
10%
101.4
Mechanic’s Liens, No Notice
of Completion
20%
101.5
Mechanics’ Liens, Notice of
Completion
$25 per issue, plus $5 for
each lien over two, plus 10%
for insurance in excess of
$100 based upon amount of
the loan, plus $5 for each
parcel or endorsement over
one on tracts where three or
more are issued concurrently.
101.6
Mechanics’ Liens, Notice of
Completion
N/C for one endorsement, $25
for each additional
endorsement over one. If
more than two liens, add $5
per lien. Add $5 for each lot
covered or endorsement over
one on tracts where three or
more are issued concurrently.
101.8 Mechanic’s Liens – Lender 10%
101.9
Mechanics’ Liens, Notice of
Completion
ext: $100
std: 20%, Min. $100 (DVA.
10%)
101.10
Mechanics’ Liens, Notice of
Completion
10%
101.11
Mechanics’ Liens, No Notice
of Completion
10%
101.12
Mechanics’ Liens, No Notice
of Completion
20%
101.13
Mechanics’ Liens, Notice of
Completion
10%
102.4 Foundation 10%, Min. $100, Max. $1,000
102.5 Foundation 15%, Min. $100, Max. $1,000
102.6
Foundation, Portion of
Premises
10% based upon portion of
loan applicable to the land
covered, Min. $100, Max.
$1,000.
Appendix C-9
CLTA
NO.
ALTA
NO.
FA NO.
CROSS
REFERENCE
DESCRIPTION RATE
102.7
Foundation, Portion of
Premises
15% based upon portion of
loan applicable to the land
covered, Min. $100, Max.
$1,000.
103.1 ALTA 28
Easement, Damage – Use or
Maintenance
Owner’s Policy: 10%, Min.
$100, Max. $500
Loan Policy ext: $25
Loan Policy std: 10%
103.3
Easement, Existing
Encroachment, Enforced
Removal
Owner’s Policy: 10%, Min.
$200, Max. $500
Loan Policy ext: $25
Loan Policy std: 10%
103.4
Easement, Access to Public
Street
Owner’s Policy: 20%, Max.
$300
Loan Policy: 10%, Max. $250
103.5
Water Rights, Surface
Damage
Residential: N/C
Commercial Owner’s Policy:
20%, Max. $300
Commercial Loan Policy 10%,
Max. $250
103.6 Encroachments, None Exist 10%
103.7 Land Abuts Street
Owner’s Policy ext: $25
Owner’s Policy std: $100
Loan Policy ext: $25 if issued
concurrently with policy, or
$100 if issued subsequent to
issuance of policy
Loan Policy std: $100
103.8
Water Rights, Future
Improvements
10%
103.9
Encroachment, Future
Improvements
10%
103.10
Surface Use, Horizontal
Subdivision
20%
103.11 ALTA 17 Access and Entry $100
103.12 ALTA 17.1 Indirect Access and Entry $250
104 Assignment of Mortgage
40% based on the unpaid
balance of the encumbrance,
Min. $300, Max. $1,000,
provided that where multiple
assignments of beneficial
interest by the same
beneficiary are recorded
concurrently, the Charge is
based on the aggregate
amount of the unpaid
balances of the deeds of trust
or mortgages being assigned,
plus $75 for each
endorsement over one.
Appendix C-10
CLTA
NO.
ALTA
NO.
FA NO.
CROSS
REFERENCE
DESCRIPTION RATE
104.A Assignment of Mortgage
30% based on the unpaid
balance of the encumbrance,
Min. $250, Max. $1,000,
provided that where multiple
assignments of beneficial
interest by the same
beneficiary are recorded
concurrently, the Charge is
based on the aggregate
amount of the unpaid
balances of the deeds of trust
or mortgages being assigned,
plus $75 for each
endorsement over one.
104.1 Assignment of Mortgage
If issued concurrently with
policy: N/C
If not issued concurrently with
policy: $125 per issuance
104.4
Collateral Assignment of
Mortgage
If issued concurrently with
policy: N/C
If not issued concurrently with
policy: $125 per issuance
104.6 ALTA 37
Assignment of Rents or
Leases
$100
104.7
Assignment of Rents or
Leases
$100
104.8 Assignment of Mortgage
40% based upon the unpaid
balance of the encumbrance,
Min. $300, Max. $1,000,
provided that where multiple
assignments of beneficial
interest by the same
beneficiary are recorded
concurrently, the Charge is
based on the aggregate
amount of the unpaid
balances of the deeds of trust
or mortgages being assigned,
plus $75 for each
endorsement over one.
Appendix C-11
CLTA
NO.
ALTA
NO.
FA NO.
CROSS
REFERENCE
DESCRIPTION RATE
104.9 Assignment of Mortgage
30% based on the unpaid
balance of the encumbrance,
Min. $250, Max. $1,000,
provided that where multiple
assignments of beneficial
interest by the same
beneficiary are recorded
concurrently, the Charge is
based on the aggregate
amount of the unpaid
balances of the deeds of trust
or mortgages being assigned,
plus $75 for each
endorsement over one.
104.10 Assignment of Mortgage
If issued concurrently with
policy: N/C
If not issued concurrently with
policy: $125
104.11
Collateral Assignment of
Mortgage
30% based on the unpaid
balance of the encumbrance,
Min. $250, Max. $1,000,
provided that where multiple
assignments of beneficial
interest by the same
beneficiary are recorded
concurrently, the Charge is
based on the aggregate
amount of the unpaid
balances of the deeds of trust
or mortgages being assigned,
plus $75 for each
endorsement over one.
104.12 ALTA 10 Assignment
N/C if issued with the policy,
or $100 if issued after the
policy.
104.13 ALTA 10.1 Assignment and Date Down
40% based upon the unpaid
balance of the encumbrance,
Min. $300, Max. $1,000,
provided that where multiple
assignments of beneficial
interest by the same
beneficiary are recorded
concurrently, the Charge is
based on the aggregate
amount of the unpaid
balances of the deeds of trust
or mortgages being assigned,
plus $75 for each
endorsement over one.
105
Multiple Mortgages in One
Policy
$100
Appendix C-12
CLTA
NO.
ALTA
NO.
FA NO.
CROSS
REFERENCE
DESCRIPTION RATE
105.1
Multiple Mortgages in One
Policy
$100
107.1
Allocation of Liability of
Parcels
N/C
107.2
Amount of Insurance,
Increase
The Scheduled Rate
applicable for each additional
$10,000 of liability assumed in
excess of the amount shown
on the existing policy.
107.5 Leasehold Improvements N/C
107.9 Additional Insured
N/C if issued at time of policy
or if issued to a trustee of a
trust established for the
benefit of the insured;
otherwise $100.
107.10 Additional Insured
N/C if issued at time policy is
issued; otherwise $150.
107.11
Non-Merger After Lender
Acquires Title
20% based upon amount of
loan.
108.7 Additional Advance
65% based on amount of
advance, Min. $250. If priority
insurance given, add 10%.
When issued in conjunction
with 110.6 endorsement, only
charge for highest rated
endorsement.
108.8 Additional Advance
75% based on amount of
advance, Min. $300.
When issued in conjunction
with 110.5 endorsement, only
charge for highest rated
endorsement.
108.9 Additional Advance – DVA
80% based upon amount of
advance where the veteran is
an insured owner.
100% based upon the amount
of the advance where the
veteran is not an insured
owner.
108.10
Revolving Credit Loan,
Increase
std: 65% based on amount of
advance, Min. $250.
If priority insurance given, add
10%.
ext: 75% based on amount of
advance, Min. $300.
When issued in conjunction
with 110.5 endorsement, only
charge for the highest rated
endorsement.
109
Oil and Gas Lease, No
Assignments
20%
Appendix C-13
CLTA
NO.
ALTA
NO.
FA NO.
CROSS
REFERENCE
DESCRIPTION RATE
110.1 Deletion of Item from Policy
10% for deletion of a
Standard Exception, $100 for
any other deletion of an
exception or the arbitration
provision in the Conditions of
the policy.
110.3
Minerals, Conveyance of
Surface Rights
Owner’s Policy ext: 10%
Owner’s Policy std: 20%
Loan Policy: 10%
110.4 Modification of Mortgage
20% based upon loan
balance, Min. $150.
110.5 Modification of Mortgage
45% based on loan balance,
Min. $300, Max. $750
(Max. applies only if a First
American policy, ALTA 11,
110.5 or 110.5 endorsement
has been issued within 18
months.)
When issued in conjunction
with a 108.8 endorsement,
only charge for highest rated
endorsement.
110.6 Modification of Mortgage
35% based on loan balance,
Min. $250, Max. $750
(Max. applies only if a First
American policy, 110.6 or
110.6 endorsement has been
issued within 18 months.)
When issued in conjunction
with a 108.7 endorsement,
only charge for highest rated
endorsement.
110.7
Insurance Against
Enforceability of Item
20% Min. $200, Max. $1,000
110.9 ALTA 8.1 Environmental Protection Lien $25
110.10
Modification and Additional
Advance
The greater of (a) the
applicable Rate for a 108.8
endorsement, or (b) the
applicable Rate for a 110.5
endorsement; Min. $300
Appendix C-14
CLTA
NO.
ALTA
NO.
FA NO.
CROSS
REFERENCE
DESCRIPTION RATE
110.11 ALTA 11 Mortgage Modification
45% based upon loan
balance, Min. $300, Max.
$750
(Max. applies only if a First
American policy, ALTA 11 or
110.5 endorsement was
issued within the prior 18
months.)
When issued in conjunction
with a 108.8 endorsement,
only charge for highest rated
endorsement.
110.11.1 ALTA 11.1
Mortgage Modification with
Subordination
45% based upon loan
balance, Min. $300, Max.
$750
(Max. applies only if a First
American policy, ALTA 11,
110.5 or 110.6 endorsement
was issued within the prior 18
months.)
When issued in conjunction
with a 108.8 endorsement,
only charge for highest rated
endorsement.
111
Mortgage Priority, Partial
Reconveyance
10% based upon loan
balance, Min. $100, Max.
$250
111.1
Mortgage Priority, Partial
Reconveyance
10% based upon loan
balance, Min. $100, Max.
$250
111.2
Mortgage Priority,
Subordination
ext: 10% if issued
concurrently with policy, 30%
if issued subsequent to
issuance of policy, Min. $100,
Max. $500
std: 10% if issued
concurrently with policy, 20%
if issued subsequent to
issuance of policy, Min. $100,
Max. $500
111.3
Mortgage Priority,
Encroachment, Address
20%
111.4
Mortgage Impairment After
Conveyance
10% Min. $50, Max. $250
111.5 ALTA 6 Variable Rate Mortgage N/C
111.7 Variable Rate, Renewal N/C
111.8 ALTA 6.2
Variable Rate Mortgage –
Negative Amortization
N/C
111.9
Variable Rate, FNMA 7 Year
Balloon
N/C
Appendix C-15
CLTA
NO.
ALTA
NO.
FA NO.
CROSS
REFERENCE
DESCRIPTION RATE
111.10
Revolving Credit Loan,
Optional Advance
$25
111.11
Revolving Credit Loan,
Obligatory Advance
$25
111.14 ALTA 14 Future Advance – Priority $25
111.14.1 ALTA 14.1 Future Advance – Knowledge $25
111.14.2 ALTA 14.2
Future Advance – Letter of
Credit
$25
111.14.3 ALTA 14.3
Future Advance – Reverse
Mortgage
$25
112 Bondholders $25
112.1 Bondholders $25
112.2
Bondholder, Joint Powers
Transactions
$25
114 Co-Insurance
100% of Scheduled Rate for
the amount of liability
assumed.
114.1
Co-Insurance – Joint and
Several Liability
100% of Scheduled Rate for
the amount of liability
assumed.
114.2
Co-Insurance – Joint and
Several Liability
100% of Scheduled Rate for
the amount of liability
assumed.
114.3 ALTA 23 Co-Insurance – Single Policy N/C
115 Condominium $10
115.3 ALTA 4.1 Condominium N/C
115.4 ALTA 5.1
Planned Unit Development –
Current Assessments
N/C
116
Designation of Improvements,
Address
N/C if issued concurrently with
policy, 10% if issued
subsequently.
116.01 ALTA 22 Location
N/C if issued concurrently with
policy, 10% if issued
subsequently.
116.02 ALTA 22.1 Location and Map
N/C if issued concurrently with
policy, 10% if issued
subsequently.
116.1 ALTA 25 Same as Survey
std: 20%
ext: $100
116.1.2 ALTA 25.1 Same as Portion of Survey
std: 20%
ext: $100
116.2
Designation of Improvements,
Condominium
Owner’s Policy: 20%
Loan Policy: N/C if issued
concurrently with policy,
10% if issued subsequently.
116.3
Legal Description, New
Subdivision
Owner’s Policy: 20%
Loan Policy: 10%
116.4 ALTA 19.1 Contiguity – Single Parcel $100
Appendix C-16
CLTA
NO.
ALTA
NO.
FA NO.
CROSS
REFERENCE
DESCRIPTION RATE
116.4.1 ALTA 19 Contiguity – Multiple Parcels $100
116.5 ALTA 7 Manufactured Housing Unit $50
116.5.1 ALTA 7.1
Manufactured Housing –
Conversion – Loan
$50
116.5.2 ALTA 7.2
Manufactured Housing –
Conversion – Owner’s
$50
116.6 Manufactured Housing Unit $25
116.7
Subdivision Map Act
Compliance
$25
116.8 ALTA 26 Subdivision $100 per issue
117 ALTA 12 Aggregation – Loan $100 per issue
119
Validity of Lease in Schedule
B
20%
119.2 Validity and Priority of Lease 20%
119.3 Priority of Lease 10%
119.4
Bondholder – Validity of
Sublease – Joint Powers
$25
120.2
Modified
Subordination of Prior
Mortgage to Lease
20%
122 Construction Lender Advance
If base policy is for full amount
of loan: 10% based upon
amount of advance, Min. $100
per issue, Max. $300 per
issue.
If base policy is in the amount
of initial advance only: apply
same Charges as called for
under the 108 series.
122.2 Construction Lender Advance
75% based upon amount of
advance, Min. $250.
123.1 ALTA 3 Zoning – Unimproved Land 15%
123.2 ALTA 3.1 Zoning – Completed Structure
Owner’s Policy: 25%
Loan Policy: 20%
124.1 Covenants are Binding
Owner’s Policy: 20%
Loan Policy: 10%
124.2
Covenants in Lease are
Binding
Lessee policy: 20%
All other policies: 10% (only
one Charge applies when
both endorsements 124.2 and
124.3 are issued on one
policy).
124.3
Covenants in Lease are
Binding
10% (only one Charge applies
when both endorsements
124.2 and 124.3 are issued
on one policy).
127 ALTA 15
Non-Imputation – Full Equity
Transfer
10%
127.1 ALTA 15.1
Non-imputation – Additional
Insured
10%
Appendix C-17
CLTA
NO.
ALTA
NO.
FA NO.
CROSS
REFERENCE
DESCRIPTION RATE
127.2 ALTA 15.2
Non-imputation – Partial
Equity Transfer
10%
128 ALTA 16 Mezzanine Financing $500
129 ALTA 18 Single Tax Parcel $100
129.1 ALTA 18.1 Multiple Tax Parcel $100
130 ALTA 20
First Loss, Multiple Parcel
Transactions
$250
132 ALTA 27 Usury N/C
133 ALTA 24 Doing Business $100
134 ALTA 29
Interest Rate Swap – Direct
Obligation
10%
134.1 ALTA 29.1
Interest Rate Swap –
Additional Interest
10%
135 ALTA 30
Shared Appreciation
Mortgage
$100
150
Solar Contract $50
1
Policy Correction – Deletion/
Paragraph/Substitution
N/C
46 CLTA 104.1
Express Policy, Assignment of
Mortgage
$50
47
Modification of Mortgage,
Limited
$300
48
Modification of Mortgage,
Limited
10%, Min. $300, Max. $750
48.1
Modification of Mortgage,
Limited
$35
48A
Modification of Mortgage,
Limited
45% based upon loan
balance, Min. $300, Max.
$750
(Max. applies only if insurance
has been issued in the last 18
months.)
92
Deletion of Natural Person
Limitation
N/C
Residential Special –
Enhanced
5%
Spousal Interest $50
Special Patent – NV $100
equiLite EL1
N/C if issued concurrently with
the equiLite™ Residential
Limited Coverage Loan Policy
equiLite EL2 $10
equiLite EL3 $10
