Northeast Title And Abstract Company

	84 Everett Road, Albany, New York 12205 T: 518-458-8400 F: 518-458-9342 General Information: orders@netitleandabstract.com Orders: orders@netitleandabstract.com Closing Coordinator: closings@netitleandabstract.com


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Title Insurance Premiums

The premiums you must pay for title insurance in New York are set by statute. In addition, the state is split into 2 zones, each with a different pricing structure. Each zone is made up of certain counties.

Zone 1: Allegany, Broome, Cattaraugus, Cayuga, Chautauqua, Chemung, Chenango, Clinton, Cortland, Delaware, Erie, Essex, Franklin, Fulton, Genesee, Hamilton, Herkimer, Jefferson, Lewis, Livingston, Madison, Monroe, Montgomery, Niagara, Oneida, Onondaga, Ontario, Orleans, Oswego, Otsego, St. Lawrence, Saratoga, Schenectady, Schoharie, Schuyler, Seneca, Steuben, Sullivan, Tioga, Tompkins, Warren, Washington, Wayne, Wyoming, and Yates.

Zone 2: Albany, Bronx, Columbia, Dutchess, Greene, Kings, Nassau, New York, Orange, Putnam, Queens, Rensselaer, Richmond, Rockland, Suffolk Ulster, and Westchester.

Rates Zone 2

First 35,000 or less minimum premium (except simultaneously issued policies) Owner's: $371.00 and Mortgage: $318.00.

For each $1000 or part thereof add

Amount of Insurance	Owners	Mortgage
Minimum
35,001-50,000	6.16	5.13
50,001-100,000	5.02	4.19
100,001-500,000	4.03	3.36
500,001-1,000,000	3.68	3.06
1,000,001-5,000,000	3.38	2.82
5,000,001-10,000,000	3.00	2.50
10,000,001-15,000,000	2.84	2.36
15,000,001 and up	2.55	2.13

Rates Zone 1

First 35,000 or less minimum premium (except simultaneously issued policies) Owner's: $329.00 and Mortgage: $276.00.

For each $1000 or part thereof add

Amount of Insurance	Owners	Mortgage
Minimum
35,001-50,000	7.32	6.11
50,001-100,000	4.56	3.79
100,001-500,000	3.68	3.06
500,001-1,000,000	3.29	2.73
1,000,001-5,000,000	3.00	2.50
5,000,001-10,000,000	2.73	2.28
10,000,001-15,000,000	2.55	2.13
15,000,001 and up	2.29	1.91

Simultaneous Mortgage Issue

When Owners* and Mortgage Policies are being issued pursuant to the same closing, the Mortgage Policy shall be issued at a reduced rate known as the Simultaneous Mortgage Rate.

The Owners* Policy is charged at the full Owners* Rate and the simultaneous Mortgage Policy is charged at 30% of the applicable Mortgage Rate up to the amount of the Owners Policy. Any excess is charged at the full Mortgage Rate.

*Owners Policy also applies to Leasehold Policies and Construction Loan Policies.

Refinance/Subordinate Mortgage

A Refinance or Subordinate Mortgage Policy issued within ten years of a previously insured Mortgage or fee interest where the premises are identical, there has been no change of ownership, and the amount is less than $250,000 shall be charged 50% of the Mortgage Rate on the liability up to the amount of the existing indebtedness and 100% of the Mortgage Rate on any liability in excess of the existing indebtedness.

NYS Endorsements - no charge

	Standard New York Endorsement for ALTA 10/17/92 Loan and/or Owner's Policies
	TIRSA Leasehold Endorsements for ALTA 10/17/92 Loan and/or Owner's Policies
	TIRSA Cooperative Endorsement (9/1/93) for Loan and /or Owner's Policies

Special Risk Endorsements and Premiums

	ALTA Endorsement 9 (Restrictions Encroachment, Minerals) NY- 10% of unreduced (straight) Mortgage Premium
	TIRSA Survey Endorsement (Loan Policy)- 10% of the unreduced (straight) Mortgage Premium
	NY Fairway Endorsement - 9/1/93- 20% of the unreduced (straight Owner's Policy
	NY Non-Imputation Endorsements -Partnership Form or Stock Acquisition - 20% of the unreduced (straight) Owner's Premium
	Revolving Credit Mortgage Endorsements 9/1/93 - Residential and Commercial - 10% of the unreduced (straight) Mortgage Premium
	Market Value Rider Endorsement - 10% of the unreduced (straight) Owner's Premium
	TIRSA Joint and Several Liability Endorsement $1 per $1000 of the total amount of insurance for which this applies
	TIRSA Swap Endorsement(1/31/95)
	TIRSA Additional Interest Endorsement (1/31/95)
	TIRSA First Loss Endorsement (1/31/95) *
	TIRSA Last Dollar Endorsement (1/31/95)*
	TIRSA Contract Vendee Endorsement (1/31/95)
	* 10% of uninsured (straight) mortgage rate.

Endorsements at $25.00

	ALTA Endorsement 6 (Variable Rate Mortgage)
	ALTA Endorsement 7 (Manufactured Housing Unit)
	TIRSA Fannie Mae Balloon Mortgage Endorsement
	TIRSA Endorsement 4 (Condominium)
	TIRSA Planned Unit Development (PUD) Endorsement
	TIRSA Land Same as Survey Endorsement
	TIRSA Variable Rate Endorsement (Fixed rate conversion)
	TIRSA Endorsement 6.2 (Variable Rate Mortgage- negative amortization)
	TIRSA Environmental Protection Lien Endorsement 8.1
	TIRSA Waiver of Arbitration Endorsement for Owner's and /or Loan policy
	TIRSA New York City Air Rights Endorsement (9/1/93)
	TIRSA Residential Mortgage Endorsement (8/15/94)
	TIRSA Successor in Ownership of Indebtedness Endorsement (8/15/94)
	TIRSA Reverse Mortgage Endorsement (8/15/94)
	TIRSA Cluster Endorsement (1/31/95) NYSID REQUIRES TITLE INSURER APPROVAL PRIOR TO ISSUANCE.
	TIRSA Limited Liability Company and Limited Liability Partnership Endorsement (1/31/95)

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Northeast Title and Abstract
84 Everett Road, Albany, New York 12205
Phone: 518-458-8400 - Fax: 518-458-9342
E-Mail: orders@netitleandabstract.com