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Judgment Liens

My name is Dave Phillips, Chief Title Examiner at Reputation First Title Agency. This article concerns Judgment Liens affecting land within the borders of the great state of Michigan. It is very important for Michigan real estate practitioners to understand…

Understand Your Vehicle of Ownership: Part 4

Welcome back for part 4 of the series titled Understand Your Vehicle of Ownership. This represents part 4 of my 4 part series. As a reminder, when two or more people take title to land, this is referred to as a “concurrent…

Understand Your Vehicle of Ownership: Part 3

Welcome back for part 3 of the series titled Understand Your Vehicle of Ownership. Yes, I’m still in Villahermosa, Mexico, and yes, I am still with Pequeno Hombre, my favorite beer drinking horse. As a reminder, when two or more people take…

Understand Your Vehicle of Ownership: Part 2

Welcome back for part 2 of the series titled Understand Your Vehicle of Ownership. I’m still in Villahermosa, Mexico. With me on this trip is Pequeno Hombre, my favorite beer drinking horse. He is very fond of Guinness. As a reminder, when…

Understand Your Vehicle of Ownership: Part 1

Hello. This is Dave Phillips coming to you from Villahermosa, Mexico. With me is Pequeno Hombre, my favorite horse. We have something we would like to discuss with you. Land ownership. There are thousands of land sale transactions annually across the…

Title Insurance & Entity Papers

My name is Dave Phillips. The Gilbert Law Dictionary defines entity as: An existence, a being, be it actual or artificial, e.g., a person, corporation, or trust.  Many transactions involve property that is being sold or purchased by an artificial entity, such as…

An Overview of the Oil and Gas Lease

My name is Dave Phillips. This article will concern the basics of the oil and gas lease as it pertains to title insurance. It is standard procedure for the title policy to take exception to an oil and gas lease affecting a parcel of…

Committed to Excellence

At one of our recent production meetings, a discussion regarding “value” broke out. The issue was raised by John Shepard, our Vice President and legal counsel. It was an interesting discussion. Reputation First Title Agency understands that for us to maintain a healthy business we must…

‘Twas the Day of the Closing

‘Twas the day of the closing when all through the agency, not a creature was stirring, not even a mouse. The paper was stacked by the copier with care, in hopes that the workers soon would be there. The title…

Severing Subsurface Interests

This article is written by Dave Phillips for the benefit of the Reputation First audience. Introduction Land consists of the surface and subsurface. The surface of land is typically the most functional layer. The surface is where the home or business…