David Hays

February 27, 2019

Underwriting Q&A: Do Texas title companies offer “survey coverage”?

Q: Do Texas title companies offer “survey coverage”? A: No. Unfortunately, over the years our industry has used the slang term “survey coverage” to describe various […]
January 17, 2018

Underwriting Q & A | Is the statutory process of “bonding around” a filed mechanic’s lien affidavit (MLA) always a potential remedy to closing the transaction without making payment to the contractor claiming the lien or excepting to the claim of lien in the policy?

Q: (Texas Only) Is the statutory process of “bonding around” a filed mechanic’s lien affidavit (MLA) always a potential remedy to closing the transaction without making […]
February 15, 2017

Underwriting Q&A | When closing a sale or refinance transaction for clients who have a HARP loan in addition to their primary mortgage, is the payoff statement for the HARP loan included in the payoff statement received by the primary lender?

Q: When closing a sale or refinance transaction for clients who have a HARP loan in addition to their primary mortgage, is the payoff statement for […]
December 14, 2016

Underwriting Q & A | How Do I Handle Overtime Now?

Below is an excerpt of a recent article regarding the recent nationwide injunction affecting employers across the country issued by  U.S. District Judge Amos L. Mazzant. […]
September 21, 2016

Underwriting Q & A | Have there been any updates to TRID?

Q:  Have there been any updates to TRID? A: No. However, the CFPB (Consumer Financial Protection Bureau) has proposed various amendments to disclosure requirements under TRID. […]
July 20, 2016

Underwriting Q & A | What is the correct premium charge for amending the survey exception in an OTP versus issuing the T19.1 endorsement?

Q: What is the correct premium charge for amending the survey exception in an OTP versus issuing the T19.1 endorsement? A: The premium calculation for each […]
February 17, 2016

Q & A | Can we insure a sale transaction where seller acquired title by a tax foreclosure deed?

Q: Can we insure a sale transaction where seller acquired title by a tax foreclosure deed? A: Yes, FNTI will insure a subsequent sale by a […]
December 16, 2015

Q & A | ATTENTION ALL NOTARIES!! NEW LAWS!! Did you know that there is a new law that affects your ability to acknowledge documents?

Q: ATTENTION ALL NOTARIES! NEW LAWS! Did you know that there is a new law that affects your ability to acknowledge documents? A: You do now. […]
June 10, 2015

Q & A | CFPB: What changes in the new Closing Disclosure WILL NOT require a new 3-day review period?

Q: CFPB: What changes in the new Closing Disclosure WILL NOT require a new 3-day review period? A: By now we have all been hit over […]