Residential and Commercial

Title Expertise

Frontier is dedicated to ensuring our client's success by thoroughly understanding their needs, allowing us to provide the best title product and turnaround time.

  • Abstract of Title

    Frontier partners with attorneys to provide abstracts of title for their clients who are entrusting them to navigate the sale of a home or investment property. An Abstract of Title is a chronological history of documents recorded at the local County Clerk’s Office that affect real property. The abstract reflects items dating back to a minimum bar standard starting point. This will identify any conveyances, covenants & restrictions, easements, judgments, liens, mortgages, or other items which may affect the property. Let’s Connect

  • Commercial Services

    Commercial title work can be complex and layered. Parcels are often times pieced together through multiple deeds and spanning many years. Identifying these parcels and piecing them together is like putting together a puzzle. Whether it is a neighborhood gas station, office tower, industrial park, or a shopping mall, Frontier has the experience and the team to support your commercial title needs. Let’s Connect

  • Default Services

    Foreclosing on a property is not ideal, but when a loan or taxes are in default the harmed party may be forced to start a legal action. That process starts with a title search to determine the position of the lien and to identify any other interested parties. The foreclosure attorney relies on the title search to start building a case. It is critical to have a title partner that understands the nuances of default work and Frontier has unparalleled experience and expertise in default titles throughout New York. We work with clients who are commencing actions related to foreclosures involving mortgages, In Rems, and tax liens. In addition to pre-foreclosure title support, our default services include REO/Title Cleansing reports to identify possible title defects so they can be cured before the property is sold. Let’s Connect

  • Search on Notes

    Sometimes a client needs a less formal search product. Frontier has produced thousands of search on notes reports. The client may need the title evidence to help them identify potential issues before proceeding with a transaction or they may be using it to produce a certified search or title insurance. Frontier can be your single point of contact for title evidence on any property in New York. Let’s Connect

  • Title Insurance

    Title Insurance provides protection to property owners and lenders from potential future claims related to undisclosed defects in the property's title at the time of purchase or financing. These claims may stem from issues such as fraud, forgery, outstanding real property taxes, judgments, liens, or other encumbrances. Frontier has some of the best title examiners in New York who take tremendous pride in making sure your deal can close while simultaneously ensuring all parties are protected. Let’s Connect

  • Energy Services

    Energy deals have a lot of unique elements. They can be a single site or multi-parcel, multi-county transaction. They can develop over months or even years. Frontier has partnered in deals involving hydro, solar, and wind energy as well as transmission lines. Energy can require significant project management and forward thinking. We have the experience, the management team, and the expertise to support your project. Let’s Connect

What is Title Insurance and do I need it??

✺ Frequently Asked Questions ✺

  • An Owner’s Policy safeguards the property owner, covering them up to the complete original sales price of the property. Unlike a Loan Policy, the coverage amount does not decrease over time.

    Additionally, an optional market value endorsement is available for purchase along with the Owner's Policy, ensuring alignment with the property's value growth over time. In case of a claim, the policy enables the recovery of the property's entire market value.

  • A Loan Policy secures the lender's stake in the property by providing insurance coverage. Typically, the coverage amount corresponds to the loan amount, diminishing proportionally as the loan balance decreases through regular mortgage payments.

  • In New York State you are not required to purchase an Owner’s Policy, however it is highly recommended. When taking out a mortgage the lender may require you to purchase a Loan Policy.

  • No, there are no additional payments due. Purchasing a Title Policy is a one time cost. Unlike other types of insurance policies, Title Insurance insures against past events not future events.

  • Title Insurers in New York are licensed by the Department of Financial Services (DFS) and their rules and rates are regulated by the DFS. Title Insurance Rate Service Association (TIRSA) is a licensed organization that proposes rates, rules, and endorsements on behalf of its Title Insurer members. An Owner’s Policy rate is calculated based on the purchase price, while a Loan Policy is calculated based on the amount of the loan.

  • An Owner’s Policy will protect you for the entire time in which you or your heirs own your property. The policy is NOT transferable. A Loan Policy will give coverage to the lender for the duration of the loan.

  • An Abstract of Title is a chronological history of documents recorded at the local County Clerk’s Office that affect real property. The abstract will disclose items dating back to a minimum bar standard starting point. This will reflect any conveyances, covenants and restrictions, easements, judgments, liens, mortgages, or other items which may affect the property. Your Title Company will examine the Abstract to create the Title Report.

  • The length of the search depends on the local bar association requirements for the county in which the property is located. For a breakdown of what those requirements are, please visit our Reference Materials page.

  • An acre is 43,560 square feet (i.e. 208.7’1 x 208.71’)