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Lafayette Title at a Glance

IN BUSINESS SINCE 1987, OUR COMPANY HANDLES ALL ASPECTS OF REAL ESTATE CONVEYANCE INCLUDING TITLE INSURANCE, TITLE SEARCH, SETTLEMENTS AND MORE. OUR INNOVATION AND EXPERIENCE DELIVERS QUICK, ACCURATE AND SECURE TITLE SERVICES FOR EVERY REAL ESTATE TRANSACTION.
 
OUR EXPERIENCE IS YOUR KEY TO SUCCESS

ATTORNEYS

Going beyond title insurance Let Lafayette Title develop a title and closing services plan tailored just for you. 
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REALTORS

Your clients are important to you We understand that our performance is a direct reflection on you. 
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LENDERS

Vetted. Compliant. Secure. In today's regulatory environment, we realize the importance of data safety and risk compliance. 
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Featured Title Service

TIDELANDS CLAIMS

For decades Lafayette's Title Examiners have reviewed hundreds of Tidelands issues. Further, we are authorized by the State of New Jersey to teach a real estate CE (continuing education) course on the subject of Tidelands. With 17 of 21 counties in New Jersey subject to Tidelands claims, it is imperative to have a property being bought or sold in New Jersey checked for Tidelands issues, even if that property is not a waterfront property. Equally important is to work with a title insurance company experienced with Tidelands claims. If an issue is found, the Tidelands experts at Lafayette Title can work with you to provide options and solutions to move forward. 
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Latest News and Information

Lending
December 14, 2017

Confidence in Housing Makes Near-Record Return

Confidence in housing made a near-record return in November in the Fannie Mae Home Purchase Sentiment Index® (HPSI), derived from Fannie's National Housing Survey® (NHS). The HPSI overall posted 87.8 in November, 2.6 percentage points higher than the month prior. The Index hit all-time highs in February of this year, and again in June and September.

"In November, the HPSI rebounded to near its all-time high, returning the Index to its gradual upward trend and suggesting fairly stable consumer home-buying attitudes,” says Doug Duncan, chief economist and senior vice president at Fannie Mae. "These results are consistent with our expectation that the housing market will continue its modest expansion going forward."

The share of homebuyers surveyed for the Index who believe now is a good time to buy rose seven percentage points to 29 percent, while the share of sellers who believe now is a good time to sell rose four percentage points to 34 percent. The share of those surveyed who believe home prices will go up rose six percentage points to 46 percent.

Real Estate
December 6, 2017

Veterans: One of the Most Rewarding Real Estate Markets in America

The most lucrative and rewarding real estate market in America today is not the luxury market, but the military market. According to Neil Brooks, a REALTOR®, a Navy veteran, and the branch manager of HomeSmart International in Scottsdale, Ariz.; Samantha Reeves, agent education manager at Veterans United Home Loans; and Denise M. Jelinski-Hall, the 3rd Senior Enlisted Advisor of the National Guard, veterans make the best homebuyers for a lot of reasons, including the benefits of a VA loan, and all the unique aspects of working with veterans.

What Is the VA Loan?
Many REALTORS® may have heard of VA loans, but still be unclear on what they are and who qualifies. "A mortgage loan is available to current service members and to veterans who meet time-in-service requirements," Reeves says. "The VA loan is issued by private mortgage lenders and guaranteed by the Department of Veterans Affairs. What that means is that the lender lends the funds and the VA guarantees a portion of the loan. This protects the lender in case of a default by the buyer. It also makes it possible for the loan to have some amazing benefits—including no down payment and no private mortgage insurance."

Real Estate
December 5, 2017

Facebook Shops Around for Its Next Business Endeavor: Rental Listings

Once touted as the most popular and innovative internet community of its time, Facebook is now pushing to compete with trendy social media platforms like Instagram and Snapchat. As part of its rebranding efforts to become an all-in-one service, Facebook recently added payment capabilities to its messaging service, along with various filters to its camera settings to mimic Instagram's photo editing settings. It is now making a move into the real estate industry by adding apartment and home rental listings onto its existing Marketplace storefront, which so far only included household items, job postings and car listings.

Real Estate
December 4, 2017

6 Reasons Why Sellers Should List Their Home During the Holidays

Traditional real estate wisdom may tell you to hold off selling a home until after the holidays, but there are plenty of good reasons to list right now. Consider the following:

People who are looking for a home during the holiday season are most likely pretty serious about making a move. In fact, they may be in a bit of hurry.

Putting a home on the market now might result in a faster sale at a higher price point.

Between family gatherings and holiday parties, sellers probably have their home in bright and shiny, tip-top shape for entertaining. What better time to show off the home to prospective buyers, too?

In most areas of the country, yard maintenance decreases during the wintry holiday months. While you may have to blow a few leaves and clear away some snow from walkways, you won’t have to worry about keeping the lawn mowed, the garden beds weeded and the flowers blooming as you would if listing a home in the spring and summer.

Lending
November 30, 2017

Maximum Loan Limits Increase on Fannie, Freddie Mortgages

The maximum conforming loan limits for mortgages acquired by Fannie Mae and Freddie Mac will increase to $453,100 for most markets in 2018, the Federal Housing Finance Agency (FHFA) recently announced. The increase in the baseline loan limit, mandated by the Housing and Economic Recovery Act (HERA), is in response to rising values.

The maximum loan limit will be higher in high-priced markets were 115 percent of the median home value exceeds the baseline loan limit; the ceiling on that limit is 150 percent of the baseline loan limit. That ceiling, according to the FHFA, will increase to $679,650 for one-unit properties in high-priced markets, with the potential for even higher limits in Alaska, Guam, Hawaii and the U.S. Virgin Islands.

More information can be found here.

Legal
November 28, 2017

Home Seller Disclosures in New Jersey

Although there are no required disclosure statements a seller must make under New Jersey statutes, New Jersey courts have exceptions to this general rule under common law.

Many home sellers in New Jersey fill out a Seller's Property Condition Disclosure Statement providing material facts about their homes. This type of disclosure could protect a seller from a lawsuit down the line.

But what types of information should a seller disclose?

New Jersey sellers must disclose known, latent and material defects in order to protect buyers from unwittingly purchasing real estate with hidden defects. Material facts are details about the home’s condition or legal status, as well as the age of various components.

 
Why choose Lafayette Title?
Transfers of title can be complex. But the process for home buyers and sellers should feel seamless and simple. This is where Lafayette Title excels. Our seasoned staff doesn't just identify problems, we assist attorneys and real estate agents in actually solving them, ultimately delivering a better closing experience. That is our key difference.
 
 
 

TESTIMONIALS WHAT OUR CLIENTS SAY ABOUT OUR SERVICES

"We have been using Lafayette's closing services for over 5 years and it's been amazing! We started when I became pregnant and my office couldn't handle the workload, and two kids later we are still using Lafayette for all of our closings. Wouldn't think about doing our closings any other way!"Real Estate Paralegal
 
"This is the best title company that my law firm has worked with, and Patty in their closing department is the greatest. She is the most efficient, attentive and accommodating processor. Would recommend her and Lafayette to any other real estate office."
Real Estate Paralegal
 
 
"Lafayette professionally handled all of my closing paperwork without a glitch. As a first time homebuyer, I felt very secure with my transaction. Even six months later when I had a question, they were there for me."
Homebuyer
 
"Lafayette General Title Agency is chock full of diligent, hard-working people who actually care about exceeding your business expectations. Lafayette General is among the elite in the title and customer care industries, and it is a great pleasure working with the company."
Attorney