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National · Contracts & Transfer of Title — free study notes for the real estate licensing exam.
📄 Contracts & Transfer of TitleTitle insurance protects against losses from defects in title that existed BEFORE the policy date — forged deeds, undisclosed heirs, liens, recording errors. An OWNER'S policy protects the buyer's equity (optional but wise); a LENDER'S policy protects the loan amount (usually required). It's a one-time premium at closing, unlike ongoing hazard insurance. A title search + the policy together reduce the buyer's risk.
Yes. Contracts & Transfer of Title is a scored domain on the real estate licensing exam, and this topic appears in the national portion.
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