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For decades Lafayette's Title Examiners have reviewed hundreds of Tidelands issues. Further, we are authorized by the State of New Jersey to teach both an attorney and 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. 

Latest News and Information

Real Estate
August 1, 2018

Trump Signs Bill Extending National Flood Insurance Program

NAR President Elizabeth Mendenhall released the following statement after the U.S. Senate vote on legislation extending flood insurance funding. The bill, which cleared the House last week, was signed into law by the President on July 31, 2018 prior to a midnight deadline.

“We applaud lawmakers for taking this needed action to prevent disruptions to closings in thousands of communities across the country. Although the National Flood Insurance Program will be extended through November 30... the NFIP is in desperate need of reforms that will make it solvent and sustainable in the long term. The National Association of Realtors will continue fighting for these reforms as the next NFIP reauthorization discussions loom later this year.”

Real Estate
July 31, 2018

What Is the Ideal Age to Buy a Home?

According to new findings, the ideal age for most Americans to buy their first home is 28. A recent Bankrate study touted this number as the sweet spot that those surveyed seemed to gravitate to.

Of course, not everyone agrees. A quarter of men surveyed believe the ideal time to buy a first home is prior to age 25, but only 12 percent of women concur.

And region matters, too: Nearly one in five (18 percent) of Northeasterners thinks the ideal age is over 35, twice as many as any other region. This makes sense, as the cost of living in the Northeast tends to be higher, on average.

Income also impacts mindset. With so many millennials stuck under the weight of massive student loans, buying a home by 28 may seem a bit unattainable. Fifty-two percent of those making less than $30,000 per year think first-time homebuyers should be at least 30 years old, compared to 32 percent of those who make $50,000 or more per year.

July 30, 2018

New Jersey Federal Court Rules in RESPA, Consumer Fraud and Debt Collection Case

In the case, the plaintiff borrowers owned a five bedroom, four and a half bathroom, ocean front second home in Stone Harbor, NJ. The house's fair market value is approximately 2.9 to 3.6 million dollars. In July 2012 when defendant Nationstar took over services on the Plaintiff's mortgage, the plaintiffs were already in default. A proposed modification agreement was sent by Nationstar to the plaintiff borrowers but the agreement stated it had to be executed within just a few days. A verbal extension of time between the parties was reached and an agreement eventually executed, however at the time of signing the plaintiff borrowers hand wrote a change that modified the agreement. This kicked off a series of events which ended with the plaintiff borrowers filing a lawsuit alleging a breach of contract and violations of the Real Estate Settlement Procedures Act ("RESPA"), the Fair Debt Collection Practices Act (“FDCPA”) and the New Jersey Consumer Fraud Act (“CFA”). The court dismissed the RESPA and CFA claims but allowed the FDCPA claim to proceed. To read the full opinion dated June 29, 2018 click here.

Real Estate
July 24, 2018

From Body Cameras to Code Names, REALTORS® Prioritize Safety

According to the Bureau of Labor Statistics, there were 91 real estate-related deaths across the U.S. in 2016, 31 of which were the result of "violence and other injuries by persons or animals." Although 61 percent of REALTORS® in an RISMedia survey feel "very safe" day-to-day, there are risks when hosting open houses and showing homes, and REALTORS® must remain vigilant.

"My first personal meetings with potential clients take place at my office," says Sarah Gustafson, immediate past president of the REALTOR® Association of Central of Massachusetts and a broker associate. "If I am going to their home, I let an agent know where I am and the name, phone and address of the person I am meeting."

Gustafson doesn't risk her own safety, or that of her agents. If a fellow agent doesn't receive a text from her within 15 minutes of arriving to her client meet-up, she expects a phone call. If Gustafson doesn't answer, that agent is directed to call the police.

July 18, 2018

New Jersey, 3 Other States Sue Trump Administration Over Property Tax Deduction

From the New Jersey Office of the Attorney General: Double Taxation Is Unconstitutional and Has No Historical Basis, States Explain

TRENTON – Acting to protect New Jersey residents in the face of an unprecedented and harmful change to the federal tax code, Attorney General Gurbir S. Grewal today joined three other states in suing the Trump Administration over its $10,000 cap on the federal tax deduction for state and local taxes (SALT).

Joining New Jersey in suing both the Internal Revenue Service and the Treasury Department were New York, Connecticut and Maryland. The lawsuit seeks to prevent the federal government from enforcing the SALT deduction cap, and to have the cap declared invalid.

Governor Phil Murphy welcomed the action.

Real Estate
July 11, 2018

The New Jersey Budget Deal, Bill No. 1753 and Real Estate

When New Jersey Governor Phil Murphy and Democrat Senate President Steve Sweeney recently reached an agreement on a budget deal, it was welcome news to many as it avoided another government shutdown. Governor Murphy signed the $37.4 billion bill into law on July 2, 2018.

Much of the negotiations centered on how much to raise taxes. Murphy wanted a tax on income over $1 million but lawmakers felt this would cause millionaires to flee the State. In the end Murphy agreed to an increase in taxes on income over $5 million at 10.75 percent. The other compromise was to raise the tax on businesses making more than $1 million by an average of 2 percent over four years, with the increase expiring after four years. The sales tax also remains unchanged.

So what do we know about how aspects of the deal will affect matters relating to New Jersey real estate?

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.


"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."
"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."