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Lafayette Title at a Glance



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


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


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Featured Title Service


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. 

Latest News and Information

Real Estate
February 28, 2018

New Jersey Senate Passes Bill To Bypass Federal Property Tax Deduction Laws

The New Jersey Senate passed bill S1893 on February 26, 2018 by a 28-9 margin. The bill would authorize any municipality, county or school district to establish charitable funds for specific purposes and permitting property tax credits for certain "donations." Residents would then take a charity write-off for property taxes on their federal income taxes. The bill must be approved by the full Assembly and Governor Phil Murphy has said he supports the measure.

Nonetheless, even if fully passed, the proposal faces an uphill battle as the IRS does not appear willing to recognize tax payments as "donations" and United States Treasury Secretary Mnuchin has called the plan "ridiculous."

February 28, 2018

Proposed New Jersey Bill (S885) Would Create State-Run Bank of New Jersey

Fulfilling a campaign promise by Governor Phil Murphy, a recent bill (S885) introduced by state Sens. Richard Codey and Nia Gill seeks to create a state-run financial institution to host state deposits, make loans, and purchase mortgages from commercial banks under the guidance of a 13-member board of directors. The state bank would also fund transportation project loans, small business loans, student loans and have the power of eminent domain. Critics say local community banks already provide these services and reinvest this money back into local communities, who in the end will suffer. There is currently only one other state-run bank in the United States, located in North Dakota.

February 27, 2018

Banker Confidence Shifting Significantly to More Positive Territory

For the first time since Q1 2017, a composite outlook of bank CEOs, presidents, and CFOs from across the United States suggests that there is more optimism about the banking industry, as well as overall economic conditions.

This according to Promontory Interfinancial Network's proprietary Bank Confidence Index (SM), which is back in positive territory with a 2.4-point improvement (to 50.5, crossing from contractionary to expansionary territory) over last quarter. This is the highest rating for the Bank Confidence Index since Q2 of 2016.

The Bank Confidence Index, which is calculated using the results of Promontory Interfinancial Network's Bank Executive Business Outlook Survey, tracks banker expectations in four key areas: access to capital, loan demand, funding costs, and deposit competition. (Charted on a scale of 0-100, a score over 50 can be read as expansionary.) The Q4 2017 survey is the twelfth published by Promontory Interfinancial Network with data released every fiscal quarter.

Real Estate
February 26, 2018

Case-Shiller: Home Prices Surge 6.3%

S&P Dow Jones Indices today released the latest results for the S&P CoreLogic Case-Shiller Indices, the leading measure of U.S. home prices. Data released today for December 2017 shows that home prices continued their rise across the country over the last 12 months. More than 27 years of history for these data series is available, and can be accessed in full by going to  Additional content on the housing market can also be found on S&P Dow Jones Indices’ housing blog:

The S&P CoreLogic Case-Shiller U.S. National Home Price NSA Index, covering all nine U.S. census divisions, reported a 6.3% annual gain in December, up from 6.1% in the previous month. The 10-City Composite annual increase came in at 6.0%, no change from the previous month. The 20-City Composite posted a 6.3% year-over-year gain, down from 6.4% in the previous month.

“The rise in home prices should be causing the same nervous wonder aimed at the stock market after its recent bout of volatility,” says David M. Blitzer, Managing Director and Chairman of the Index Committee at S&P Dow Jones Indices. “Across the 20 cities covered by S&P Corelogic Case Shiller Home Price Indices, the average increase from the financial crisis low is 62%; over the same period, inflation was 12.4%. None of the cities covered in this release saw real, inflation-adjusted prices fall in 2017. The National Index, which reached its low point in 2012, is up 38% in six years after adjusting for inflation, a real annual gain of 5.3%. The National Index’s average annual real gain from 1976 to 2017 was 1.3%. Even considering the recovery from the financial crisis, we are experiencing a boom in home prices.

“Within the last few months, there are beginning to be some signs that gains in housing may be leveling off. Sales of existing homes fell in December and January after seasonal adjustment and are now as low as any month in 2017. Pending sales of existing homes are roughly flat over the last several months. New home sales appear to be following the same trend as existing home sales. While the price increases do not suggest any weakening of demand, mortgage rates rose from 4% to 4.4% since the start of the year. It is too early to tell if the housing recovery is slowing. If it is, some moderation in price gains could be seen later this year.”

To read the full report, click here.

Real Estate
February 23, 2018

Home Equity Levels Out. What Does It Mean?

Home equity levels have been steadily returning since the recession years, however, the latest findings from ATTOM Data Solutions show that while equity is still on the positive side, the most recent gains are not quite as strong.

The latest stats show 9.3 percent of all U.S. properties with a mortgage were seriously underwater at the end of 2017, down from 9.6 percent a year ago. However, this was the smallest year-over-year decrease in share of seriously underwater properties since ATTOM began tracking this data at the beginning of 2012.

Across the U.S. 25.4 percent of all properties with a mortgage were equity rich at the end of 2017, up from 24.6 percent a year ago. This was the smallest year-over-year increase in share of equity rich properties since the third quarter of 2015.

Real Estate
February 11, 2018

Stock Market Plunge: Is Real Estate Safe?

Is the stock market crashing? The short answer: no—the Dow is just a little bumpy right now. The recent Wall Street frenzy had people from all over the world fearing that a U.S. real estate bubble might be the culprit after the stock market suddenly took a nearly 1,600-point (4.6 percent) plunge. According to CNN Money, it was the biggest point decline in history during a trading day.

However, experts say there's no reason to worry. While homeownership rates and home prices are currently at an all-time high, they are not to blame for the market's volatility.

"The types of corrections we are seeing this week in the U.S. stock markets are not expected to negatively impact the housing market unless the current volatility causes the market to significantly fall below normal levels," says Joseph Kirchner, senior economist for®. "Despite [the] correction, the market is still 15 percent above a year ago and economic fundamentals remain strong."

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."