Adverse Interests

Any right, claim, title, or interest of _______________________ or those claiming by, through, or under said person as disclosed by ___________________________. The Company requires a satisfactory deed from said person and the spouse, if any, of said person. The Company may then make additional requirements or exceptions.
Comment: Use this requirement if an instrument or inspection discloses a possible adverse interest.

The Company is informed that the land is now claimed by _________. The Company requires satisfactory evidence as to the manner in which the vesting of title occurred. The Company may then make additional requirements or exceptions.
Comment: Use this requirement if the proposed seller or borrower does not have title. The vesting of title should be consistent with the examination.

Any right, title, or interest of ______________, the grantee in the deed recorded _____________________. The public records do not disclose that the grantee is an entity capable of acquiring title to real property. The Company requires for its review satisfactory evidence that the grantee is an entity capable of holding title. The Company may then make additional requirements or exceptions.
Comment: Use this requirement if the grantee in a deed appears to be an unincorporated association incapable of holding title except through trustees. This is a common conveyancing problem for churches.

Any right, title, or interest of ________________ or those claiming by, through, or under that person as disclosed by ______________.
Comment: Use this exception if an inspection, tax payment, or similar matter discloses a possible adverse interest.

Any right, title, or interest of ____________ or those claiming by, through, or under that person as disclosed by instrument recorded __________.
Comment: Use this exception if an instrument, such as a deed, affidavit, or other instrument executed by a stranger to title (e.g., easement, lease, or mortgage), discloses a possible adverse interest.