FL GFE Title Premium – Imperial Calculators

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This calculator features Florida Title Premium rates including:

FL Common Endorsements, Purchase Cash, Purchase w/Mortgage (Simultaneous Issue), Refinance/Reissue, Substitution Loan, Simultaneous Leasehold, Contract Vendee, and your Agency fees.

FL Title Premium Calculator
Other Agency Fees

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Florida GFE Title Premium Calculator

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General Info

Date: (mm/dd/yyyy)

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Reference name:

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Input Data

Transaction Type: *

Purchase w/Mortgage

Purchase Cash

Refi/Reissue

Substitution Loan

Simultaneous Leasehold Policy

Contract Purchaser Lessee:

Owner Only PolicyOriginal Issue Owner Policy

Substitution requirements: SAME borrower & SAME Lender (ANY Lender if Balance >$250k) make loan on the SAME property as previously insured:

Simultaneous Issue Rate: BOTH Owners and Mortgagee IDENTICAL land to be issued simultaneously: Premium = Regular Owners Premium + MINIMUM of $25.00 for Loan Amount of Owners. If Mortgagee>Owners, excess at normal rates. Both Policies Must Have Same Date of issuance But may insure a later mortgage (mortgage after purchase with Underwriting approval). Owners Policy must show Mortgage as Exception NOTE: IT IS THE LOAN POLICY THAT QUALIFIES FOR THE SIMULTANEOUS ISSUE NOT THE OWNERS POLICY.

Simultaneous Leasehold Policy requirements:BOTH Owner and Leasehold policy covering IDENTICAL land to be issued simultaneously Premium = Regular O Premium; Lease Premium = 30% of Owners Normal Rate up to Amount of Owners Policy. If Leasehold>Owners, excess at normal rates.

Contract Purchaser Lessee requirementsIf (a) Insured Contract Purchaser or (b) Insured Lessee acquires property and wants owners policy, AND SURRENDERS policy on Contract/Lease,

Owners Insured Amount: *

Purchase Price

Owner or Refi for rate analysis

Refinance or Reissue: *

Refinance

Reissue

Select Reissue to see Reissue requirements

Refinance Loan Amount: *

Lender Insured Amount: *

If Mortgagee>Owners, excess at normal rates.

Reissue requirements:a. Unimproved land except for roads, bridges, drainage & Utilities regardless of age; or
b. Policy <3 years; or
c. Any refi by insured owner without regard to age.

Age of Original Loan: *

3 years or under

From 3 to 4 years

From 4 to 5 years

From 5 to 10 years

Over 10 years

REQUIRED: Enter Age of Original Loan to compute premium rate

Previous owner's policy insuring current seller or mortgagor: *

Substitution Loan:

Original Loan Premium Rate:

Simultaneous Leasehold Lease amount:

Contract Purchaser Lessee Policy:

Original Issue Premium Amount:

Standard Rate Brackets

Owner and Lender

0-100K

>100-1M

>1M-5M

5-10M

Over 10M

FL Standard Calcs

0-100K

Over 100K

>100K-1M

Over 1M

>1-5M

Over 5M

>5-10M

Over 10M

Over 10M+

Standard Total

Simultaneous Excess

Simultaneous Excess Lender > Owner

Simultaneous Excess 0-100K

Simultaneous Excess >100K-1M

Simultaneous Excess >1-5M

Simultaneous Excess >5-10M

Simultaneous Excess Over 10M+

Simultaneous Excess Standard Total

Premium Results

Owner's Policy:

Lender's Policy:

Refinance Premium:

Reissue Premium:

Simultaneous Loan Owner Premium:

Simultaneous Loan Lender Premium:

Minimum $25

Apply New Home discount*

Yes

Simultaneous Loan New Home Discount, if applicable:

Applies to Loan policy rate only, min $200. Where the owners policy has been increased to reflect the construction loan, reissue rates should be used.

Simultaneous Loan Policy Total:

Substitution Loan Policy Total:

Simultaneous Leasehold Owner Premium:

Simultaneous Leasehold Lease Premium:

Simultaneous Leasehold Premium Total:

Contract Purchaser Lessee Total Premium:

Add Endorsements

Endorsement function

Endorsements

Common Endorsements

Owner Endorsements

Lender Endorsements

Common Endorsements

ALTA 4.1 Condo (OP/LP)

ALTA 5.1 PUD (OP/LP)

ALTA 6.0 Negotiable Rate Mortgage (LP)

ALTA 6.1 Variable Rate Mortgage (LP)

ALTA 6.2 Neg. Amoritzation Mortgage (LP)

ALTA 7.0 Manufactured Housing (OP/LP)

ALTA 8.1 Environmental Protection Liens (LP)

Florida Form 9 (LP)

Florida Form 9.1 (10% of Insurance Rate) (vacant land) (OP)

Florida Form 9.2 (10% of Insurance Rate) (improved land) (OP)

Navigational Servitude (water front) (OP/LP)

Survey (survey not required for condo) (OP/LP)

Owner Endorsements

ALTA 4.1 Condo (OP/LP)

ALTA 5.1 PUD (OP/LP)

ALTA 7.0 Manufactured Housing (OP/LP)

Florida Form 9.2 (10% of Insurance Rate) (improved land) (OP)

Navigational Servitude (water front) (OP/LP)

Survey (survey not required for condo) (OP/LP)

Lender Endorsements

ALTA 4.1 Condo (OP/LP)

ALTA 5.1 PUD (OP/LP)

ALTA 6.0 Negotiable Rate Mortgage (LP)

ALTA 6.1 Variable Rate Mortgage (LP)

ALTA 6.2 Neg. Amoritzation Mortgage (LP)

ALTA 8.1 Environmental Protection Liens (LP)

Florida Form 9 (LP)

Navigational Servitude (water front) (OP/LP)

Survey (survey not required for condo) (OP/LP)

Endorsement List

ALTA 4.1 Condo (OP/LP):

ALTA 5.1 PUD (OP/LP):

ALTA 6.0 Negotiable Rate Mortgage (LP):

ALTA 6.1 Variable Rate Mortgage (LP):

ALTA 6.2 Neg. Amortization Mortgage (LP):

ALTA 7.0 Manufactured Housing (OP/LP):

ALTA 8.1 Environmental Protection Liens (LP):

Florida Form 9 (10% of Insurance Rate) (LP) :

Florida Form 9.1 (10% of Insurance Rate) (vacant land) (OP):

Florida Form 9.2 (10% of Insurance Rate) (improved land) (OP):

Navigational Servitude (10% of Insurance rate) (water front) (OP/LP):

Survey (survey not required for condo) (OP/LP):

Endorsement Total

Reissue Rates

$0-100K

0ver 100K

100K-1M

0ver 1M

1M-5M

0ver 5M

5-10M

0ver 5M

5-10M

0ver 10M

0ver 10M+

Reissue Owner Premium Total:

Simultaneous Leasehold Excess

Simultaneous Leasehold Excess decision

Simultaneous Leasehold Excess $0-100K

Simultaneous Leasehold Excess 0ver 100K

Simultaneous Leasehold Excess 100K-1M

Simultaneous Leasehold Excess 0ver 1M

Simultaneous Leasehold Excess 1M-5M

Simultaneous Leasehold Excess 0ver 5M

Simultaneous Leasehold Excess 5-10M

Simultaneous Leasehold Excess 0ver 5M

Simultaneous Leasehold Excess 5-10M

Simultaneous Leasehold Excess 0ver 10M

Simultaneous Leasehold Excess 0ver 10M+

Simultaneous Leasehold Excess Premium Total:

Substitution Loan Rate:

3 years or under

From 3 to 4 years

From 4 to 5 years

From 5 to 10 years

Over 10 years

Substitution Loan Premium:

Contract Purchaser Lessee:

Up to $100,000 of liability written

First $100,000 of liability written

Over $100,000 of liability written

Contract Purchaser Lessee Total Premium:

Premium Fee Summary:

Endorsement(s) Total:

Total Policy Premium:

Total Reissue Premium:

Total Refinance Premium:

Total Substitution Premium:

Total Simultaneous Issue Premium:

Total Simultaneous Leasehold Premium:

Total Contract Purchaser - Lessee Rate:

Other Agency Fees:

Rates imported from Agency Fees tab

Decision Adjustments

Adjustments:

In dollars, explain below.

Adjustment detail:

Total Premium Fees:

Other Info

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Disclaimer: Information provided herein and the above interactive title calculator is made available to you as a self-help tool for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to contact our agency. If you would like to feature this Title Calculator on your Web site, branded according to your company specifications, please contact Imperial Software Systems.

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These are sample fee rates. Your actual agency fees will be listed and auto-imported into the main calculator.

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Other Agency Fees:

Totals display on Florida Title Premium Calculator.

Sample only. Your actual office fees will be listed below.

Overnight Courrier Fee (per package)

Notary Fees (per mortgage)

Copies (per closing package

Cancellation of Existing Mortgages (each)

County Search Fee (on average)

Recording Fee Mortgage (estimated fee paid to County) [Delete if paying Cash]:

Recording Fee deed

Land Survey + Elevation Certificate (estimated fee paid to Surveyor) [Delete if Condo]:

Additional Fees/Adjustments:

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