REGISTRY OF DEEDS WEBSITES:

• NEW HAMPSHIRE
  • Belknap County Registry of Deeds
  • Carroll County Registry of Deeds
  • Cheshire County Registry of Deeds
  • Coos County Registry of Deeds
  • Grafton County Registry of Deeds
  • Hillsborough County Registry of Deeds
  • Merrimack County Registry of Deeds
  • Rockingham County Registry of Deeds
  • Strafford County Registry of Deeds
  • Sullivan Country Registry of Deeds
• MASSACHUSETTS: http://masslandrecords.com
• MAINE:
  • www.mainelandrecords.com (limited counties)
  • www.york.me.us.landata.com

NH TAX COLLECTORS:

• Town of Bedford Tax Collector
• Town of Bow Tax Collector
• City of Concord Tax Collector
• Town of Derry Tax Collector
• Laconia Tax Collector
• City of Manchester Tax Collector
• City of Nashua Tax Collector
• New London Tax Collector
• NH Tax Kiosk

NH TAX ASSESSING INFORMATION:

• Vision Appraisal www.VisionAppraisal.com

FEDERAL & STATE SITES:

• NH Secretary of State
• U.S. Dept. of Housing & Urban Development: www.hud.gov
• Internal Revenue Service: www.irs.gov
• Maine Dept. of Revenue (For Nonresident tax withholding):
  www.state.me.us/revenue/

REAL ESTATE TRADE SITES:

• National Association of Realtors: www.realtor.com
• NH Association of Realtors: www.nhar.org
• Mass. Association of Realtors: www.marealtor.com
• Maine Association of Reators: www.mainerealtors.com
• Mortgage Bankers Association: www.mbaa.org
• American Land Title Association: www.alta.org

BUYER FEES

New Hampshire                    $650.00 (refinance)           $695.00 (purchase)
Includes: processing; doc prep; overnight costs; title search; doc signing and registry copies.  Recording fees additional (See below).

Maine                                     $650.00 (refinance)         $695.00 (purchase)
Includes: processing; doc prep; overnight costs; title search; and registry copies.  Recording fees additional. (See below).

Massachusetts                       $750.00 (refinance)       $850.00 (purchase)
Includes:  processing; doc prep; overnight; title review; title update; registry copies.  Additional fee to obtain MLC (when required).  Recording fees additional. (See below). 

CASH CLOSING                 $350.00 Settlement Fee
$150 attorney title review (waived on transactions of more than $100,000)

Additional $250 administrative fee on all bank owned and short sale transactions.   

SELLER FEES

$150 Deed Preparation ($50 fee for attorney deed review on deeds not prepared by an attorney)
$35 wire/courier fee
Seller mail away transactions include an additional fee of $50 for overnight and administrative fees.
Other fees may apply.  Contact the office directly to inquire.
          

NH transfer tax – $15.00 per thousand based on contract sale price (typically split between buyers and sellers unless otherwise stated in contract). 

RECORDING FEES:

New Hampshire: $160 deed + mortgage (estimated).  For an exact schedule of recording fees, please visit www.nhdeeds.com.  Note that there is an additional charge of $25.00 for the LCHIP to record any deed, mortgage, discharge or plan

Maine: www.mainelandrecords.com

Massachusetts: www.masslandrecords.com     

Mortgage $175.00; Deed $125.00; MLC $65.00; Discharge $75.00

• Title Order Form
• Initial Buyer Form
• Initial Seller Form
• Initial refinance borrowers letter (With Authorization Request)
• Schedule of Fees
• Difference between standard and enhanced title policy
• Courtesy Printing of Recorded Deed Form

What is Title?
In real estate, title is an ownership right to property. It is the owner’s right to use, occupy, and possess the property.

What is a Title Search
A title search is a detailed review of public records concerning a property. The records include deeds, trusts, wills, mortgages, liens, declarations, restrictive covenants, and other documents. A title search includes examination of records at the registry of deed in order to verify a sellers right to transfer ownership of property.

What is Title Insurance and why do I need it?
Title Insurance protects owners from past events that can adversely affect their ownership interest in the property.

What type of issues can a Title Search reveal?
A title search can reveal little defects such as undischarged mortgages, faulty deeds, tax liens, court judgments against sellers resulting in attachments on the property, encumbrances, restrictions limiting land use, and more.

What types of issues would not be revealed by a title search but would be covered by Title Insurance?
There are hidden title dangers that even the most thorough title search would not reveal, but could still have an adverse effect on the ownership of your home. Here are just a few:

• Lien for payment of contractors and material suppliers for unpaid improvements to property that may attach without being recorded
• Improper or incorrect statement of marital status by previous owner resulting in claim by legal spouse
• Deed by a manager of a corporation without authorization to convey
• Forged or fraudulently executed title documents, like deeds, mortgages, partial releases and discharges
• Failure of a seller to obtain zoning permits for renovations to the property