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Title Teasers 2026
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Mortgage Modifications-Ratings and Other Considerations
Description
This presentation will cover the issuance of a loan title policy when mortgage terms are modified and how to apply the title insurance premium rates. Participants will learn how to identify key changes to loan terms that affect the rating process.
- Learn how terms of a mortgage can be modified.
- Review the rules and regulations governing title insurance premium rating.
- Learn to identify key changes to loan terms that affect title insurance rates.
- Learn basic premium rating techniques for mortgage modifications.
Presenter(s)
Senior Underwriting Counsel - Commercial, Old Republic Title
John Brown is a Florida Bar board-certified lawyer in real property and a member of both the Florida and Kentucky Bars. He earned his Juris Doctor from Salmon P. Chase College of Law at Northern Kentucky University. Prior to becoming an underwriter, Mr. Brown represented national retailers in purchase contract negotiations, leasing, site evaluation, engineering, permitting, land use, environmental evaluation and compliance, survey review, title and closing. He has represented private and public companies negotiating the terms of operational and construction financing. He has represented governmental entities through closing on multiple land parcel exchanges and during the issuance of municipal bonds for utility financing. His practice also included structuring and consummating 1031 exchanges, joint development projects, cellular tower site evaluation and closings, hotel project development and closings and a variety of commercial due diligence efforts.
Mr. Brown is a member of the Real Property Probate and Trust Section of the Florida Bar, CREW Tampa Bay and a board member of the Gulf Coast Builders Exchange.
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