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| Section | Weight | Objectives |
|---|---|---|
| Title Exceptions and Procedures for Clearing Title | 21% | - Liens and encumbrances
|
| Title Insurance Principles | - Insurable interests
| |
| Insurance Regulation | 12% | - State regulation
|
| General Insurance Concepts | 3% |
>> PA-Title-Insurance-Agent Antworten <<
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21. Frage
Which of the following statements is true concerning an unrecorded deed?
Antwort: B
Begründung:
An unrecorded deed may be valid between the grantor and grantee if properly executed, delivered, and accepted, but it does not give constructive notice to third parties through the land records. Constructive notice arises from proper recording, allowing later purchasers, lenders, judgment creditors, and title examiners to discover the ownership claim. A deed must still name the parties and contain an adequate legal description to identify the property. The false assumption is that recording is required for validity between the original parties; recording is mainly about public notice and priority protection. Pennsylvania recording law protects later bona fide purchasers, mortgagees, and judgment holders against unrecorded instruments lacking actual or constructive notice.
22. Frage
When insuring a mortgage where there are intervening liens that prevent the lender from holding first lien priority, such other liens may be
Antwort: C
Begründung:
Intervening liens that would prevent the lender from having first lien priority can be addressed by subordination. A subordination agreement makes an otherwise prior or intervening lienholder agree that its lien will rank behind the insured mortgage. That clears the priority problem for loan-policy underwriting.
"Waived to the lien" and "restricted to the lien" are not the correct title-clearing terms. Subrogation is different: it allows one party to step into another party's priority position after paying a debt or claim; it is not the normal document used when an existing lienholder agrees to become junior. The Pennsylvania title outline expressly includes voluntary and involuntary liens, releases, assignments, subordinations, and title-clearing procedures.
23. Frage
An ALTA survey of the land could disclose all of the following EXCEPT
Antwort: B
Begründung:
An ALTA survey discloses physical and locational matters affecting the land, such as improvements, visible features, boundary relationships, encroachments, and possible setback-line issues. A pond located on the land can be shown because it is a physical feature. Improvements on the land can be located and plotted. A setback violation may be revealed if a structure is shown inside a required setback area. A property line lawsuit, however, is a legal proceeding or claim, not something a survey itself physically discloses. It may be found through litigation records, title search, or other legal investigation. The Pennsylvania title outline tests surveys, boundary matters, title exceptions, liens, claims against title, and clearing-title concerns.
24. Frage
A local bank holds a mortgage on a certain property. A national bank has purchased the loan from the local bank. The proper document to be recorded in the recorder's office to evidence the ownership of the mortgage by the national bank is referred to as
Antwort: B
Begründung:
An assignment is the correct recorded instrument when the ownership of a mortgage loan is transferred from one lender to another. The local bank is not releasing the mortgage, so "satisfaction" is wrong. It is also not changing lien priority, so "subordination" is wrong. A reconveyance is commonly associated with deed-of- trust jurisdictions, not the ordinary Pennsylvania mortgage-transfer concept tested here. For title purposes, the recorded assignment gives record notice that the national bank is now the mortgage holder or assignee. This falls directly under the Pennsylvania Title Insurance outline's clearing-title principles, which specifically include releases, assignments, subordinations, and affidavits as tools used to resolve title matters.
25. Frage
Which property type includes all lands, man-made improvements, anything growing on the lands, as well as interests, or "rights," including future occupancy, reversion, and the use of surface and air space?
Antwort: B
Begründung:
Real property includes land, improvements attached to land, natural things growing on land, and legal rights connected with the land. Those rights can include possession, occupancy, access, air rights, surface rights, mineral rights, reversions, easements, and other interests. Personal property refers to movable property not permanently attached to land. Tangible property is physical property, but the question includes legal rights and interests, making "real" the better classification. Intangible property involves rights without physical form, such as contract rights or intellectual property, and does not capture the full land-and-improvements concept. This is a Real Property topic because the Pennsylvania title outline specifically tests the definition and types of real property, interests in land, legal descriptions, and insurable estates.
26. Frage
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