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[+] First American - Danielle Nelson/WI (5 replies)
10/20/2006 5:14:37 PM (2805 views)

Title Camp Reminder - Robert Franco/OH
10/20/2006 4:19:45 PM (2954 views)

[+] Follow-up on Absolute Property, Question - Mike/KS (11 replies)
10/20/2006 1:37:42 PM (2717 views)

[+] Question?? - Wanda Steudel/OH (2 replies)
10/18/2006 5:57:41 PM (2613 views)

[+] Abstractors beware - Examnet - JOSEPH MARTINEZ/NM (16 replies)
10/18/2006 11:35:26 AM (3131 views)


Real Title Services


[+] RESPA question - George Booth/TX (13 replies)
10/18/2006 11:21:55 AM (2587 views)

[+] Wendi See - Kevin Ahern/CT (3 replies)
10/18/2006 10:07:13 AM (2547 views)

[+] Signing Agent Certification - Kevin Ahern/CT (7 replies)
10/18/2006 6:03:56 AM (2392 views)

[+] Theft of Indices - Helene /GA (1 reply)
10/17/2006 10:47:38 PM (2324 views)

[+] Sue happy Examnet - JOSEPH MARTINEZ/NM (6 replies)
10/17/2006 5:16:19 PM (2531 views)

[+] Kurt- can't send you email! - SHARON YAHRAES/ID (2 replies)
10/17/2006 4:33:44 PM (3485 views)

[+] Contemporary Realty-STILL - SHARON YAHRAES/ID (8 replies)
10/16/2006 1:39:50 PM (2545 views)

[+] Another one bites the dust! - Kurt deVries/FL (2 replies)
10/16/2006 12:56:47 PM (2559 views)

[+] Carolinas Title Camp Approching - Robert Franco/OH (5 replies)
10/16/2006 11:14:12 AM (2520 views)

[-] What is a "direct" vs. "indirect" search - Jeanine Johnson/FL (3 replies)
10/15/2006 11:43:04 AM (2427 views)
Re: What is a "direct" vs. "indirect" search - Scott Perry/PA
10/15/2006 2:11:09 PM (3240 views)
Re: What is a "direct" vs. "indirect" search - LAWANDA  MCMILLIAN/AR
10/16/2006 3:25:14 PM (3145 views)
Re: What is a "direct" vs. "indirect" search - Doug Hollowell/TX
10/18/2006 11:23:50 PM (4871 views)

Here in Texas, when refering to "direct" and "indirect " searches we would interepret as "starts" or "starter files".  In other words, a prior title commitment or policy.  If the prior covers your exact legal description (i.e. exact match on lot & block and map reference in a subdivision) then it is considered a "direct start";  if the prior covers a different lot and/or block within the same subdivision then it is considered an "indirect start".  The purpose and use of this is to assist in expediting the completion of the title commitment by helping reduce reseach time in finding "exceptions" items typically shown on Schedule B of a Texas Title Commitment.  Texas requires that the exceptions items like restrictive covenants, recorded easements, etc., be set out individually as opposed to generally excepting to these items. Texas Title Commitment forms are promulgated by the Texas Department of Insurance (TDI) and contain a Schedule A, B, C & D; unlike ALTA Commitments which include a Schedule A, B1 & B2.  Additionally, the TDI also requires that the title search be derived from an underwritten title plant (i.e. minimum 25 year geographic index of the county records).  A Texas title agent cannot recieve a license from TDI without ownership in or a valid lease of an underwritten title plant (see procedural rule P-12; http://www.tdi.state.tx.us/company/titlem4c.html#P-12).

Hope this helps.

Doug Hollowell

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