The VLTA EXAMINER is the official online publication of the Virginia Land Title Association, offering articles of interest to land title professionals.
EXAMINER MAGAZINEArticle by Jerry C. Booth, Jr. I. Introduction A judicial tax sale is a legal process used to collect delinquent real estate taxes by selling the property through a proceeding in the local circuit court. The procedure is governed by Article 4 of Chapter 39, Title 58.1, et. seq, of the Code of Virginia. The … Continue reading Guide to Judicial Tax Sales For Examiners & Underwriters in Virginia
Article by Hayden-Anne Breedlove When a buyer, lender, or settlement agent asks, “Do we really need a survey?”, they’re rarely thinking about the downstream risks. Yet for Virginia title professionals, surveys are one of the most powerful tools for uncovering problems before they turn into litigation, coverage claims, or unmarketable title.The American Land Title Association … Continue reading Why ALTA®/NSPS Surveys Matter in Virginia Residential Real Estate Transactions
Share with VLTA what you’re doing in your community, your new jobs, promotions, retirements, milestones, professional accomplishments, good deeds, events, awards, or even a member advocacy story, or testimonial while you’re at it! News can include a relevant link to an article, blog post, press release, video, landing page, or website. S & T Law … Continue reading VLTA Members in Motion – September 2025
Article by Becky Taylor, VLTA President Last year, we celebrated the 50th anniversary of the Virginia Land Title Association. As we entered the 51st year of VLTA, we used the Power of the Past to Focus on the Future. To that end, in September 2024 the Board of Directors met for a two-day Strategic Planning Retreat … Continue reading VLTA 2025 Outgoing President’s Message From Becky Taylor
Article by Kay M. Creasman & John Mashack Overview: Over the years, other VLTA Examiner articles and VLTA seminars have covered the basics of underwriting a commercial transaction, but agents experienced in residential matters now need additional information about the role of the escrow agent, instruction letters, title search issues, ALTA/NSPS surveys and endorsements specific to … Continue reading Commercial Transactions: Settlement Basics
Article by Michael Chang The title of this article is not something any of us find ourselves saying very often. Most people do not ignore people who are trying to pay them or refuse payment when it is offered. Indeed, it is perplexing and confounding when someone who is owed money is offered full payment … Continue reading The Claims Corner: Will You Please Let Me Pay You?
ALTA Files Amicus Brief Supporting Fidelity’s Challenge to Rule Article by Jeremy Yohe with ALTA FinCEN’s final rule requiring certain industry professionals to report information to the agency about non-financed transfers of residential real estate to a legal entity or trust will have a significant financial and process impact on title and settlement companies. The rule, which … Continue reading Title and Settlement Companies Face Substantial Cost to Comply With FinCEN’s AML Real Estate Rule
EACH VOICE COUNTS The Virginia Land Title Association (VLTA) is looking forward to our Annual Convention, taking place in just ONE month on October 23-24, 2025, at the Hilton Short Pump in Richmond, Virginia. This year’s convention promises dynamic education sessions, powerful networking opportunities, and plenty of fun as we come together to celebrate the people and progress of … Continue reading VLTA 2025 Annual Convention Lineup
Article by by Kevin T. Pogoda, Esq. The rule of idem sonans (Latin for “sounding the same”) can be traced back to the 1851 English common law case of R v. Davis,[1] which provided: If two names spelt differently necessarily sound alike, the court may, as matter of law, pronounce them to be idem sonantia; … Continue reading Idem Sonans
Article by Genady Vishnevetsky The Digital Pickpocket in Your Computer Imagine a thief who can quietly walk through your office, photographing every password you jot down, every client file you open, and every financial document on your desk—all without you ever realizing they were there. That's basically what an infostealer does to your computer. Infostealers … Continue reading The Silent Threat Targeting Real Estate Professionals: Understanding Infostealers
Article by Taylor Hubbard, VLTA Staff Every member of the Virginia Land Title Association plays a vital role in the legislative success of our organization. Grassroots advocacy is one of the most effective tools we have, and at the state level it can make a significant impact. The VLTA Legislative Committee meets monthly throughout the … Continue reading The Power of Grassroots
Article by Tina Merritt with permission to reprint, originally published in the THE ROANOKE TIMES. In today’s business world, AI is already a practical tool for small businesses like mine, not just a futuristic idea. It’s changing how we communicate with clients, create marketing strategies, and streamline operations. It is important for Virginia elected officials … Continue reading Ensuring AI Policy Works for Us All
Article by Becky Taylor, VLTA President Did you know that Virginia has 120 Clerks, and their Association is the Virginia Court Clerks Association (VCCA)? The Virginia Land Title Association initiated quarterly meetings with the President and President-Elect of the Virginia Court Clerks Association in 2017-2018. The VLTA Vision Statement is “To be the driving force in Virginia … Continue reading Conversation With the Clerks: Continuing the Conversation
Article by By Laura A. Wakefield Introduction Across Virginia, localities are grappling with vacant, abandoned, and blighted properties that threaten neighborhood stability and public safety. Two legal tools have emerged as particularly important in addressing these challenges: land banks and the receivership statute. Each has a distinct role, but together they form a powerful framework … Continue reading Virginia Land Banks & The Receivership Statute: How They Work Together to Address Blight
Article by Michael Holden A new federal pilot program that experiments with an automated title review process to assess title risk remains under scrutiny as the program gains steam with two title insurance underwriters now approved as vendors for the duration of the pilot. The Federal Housing Finance Agency (FHFA) Title Acceptance Pilot, launched in … Continue reading Walking the Tightrope: Protecting Property Ownership in the Age of Technology
From the Solution in Search of a Problem Dept. From The Unknown Title Examiner (TUTE) A little-noticed change in Virginia mortgage foreclosure law went into effect July 1, 2024. Because it affects only foreclosures of junior deeds of trust, it’s likely that few agents have encountered it or had to deal with its provisions. [We … Continue reading TUTE Fall 2025
Article originally published and provided by Property Records Industry Association (PRIA) with permission to reprint. Adopted by the PRIA Board on January 15, 2025. Introduction-and-History-of-Public-Records_Style_CLEAN_02_2025 (1)Download
Contact ALTA at 202-296-3671 or communications@alta.org. IRS to Eliminate Paper Checks for Payments, RefundsThe Internal Revenue Service will discontinue the use of paper checks for most federal payments and disbursements effective Sept. 30, 2025... ALTA Urges FinCEN to Delay AML Real Estate Reporting RuleALTA sent a letter to Financial Crimes Enforcement Network (FinCEN) Director Andrea … Continue reading What’s New With ALTA – September 2025
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