Tiger Abstract Agency Overview and Product Descriptions

1. Information is the most critical asset of today’s business world. If you don’t have enough information,
decisions cannot be made. If you don’t have accurate information, decisions can be flawed. Without
current and complete information, business decisions can be costly. Tiger Abstract is your resource
for information that will help you make profitable business decisions.
Tiger Abstract’s seasoned professionals have years of experience providing businesses like yours with
data and research covering all types of Real Estate and other transactions. Well versed in the use of
today’s technology, the staff of Tiger Abstract focuses on customer service. This is the hallmark of our
company history and the cornerstone of our daily mission.
Look to Tiger Abstract for these services. If what you need isn’t
Intelligent Business Research
listed here, please ask. We’re used to custom requests of all kinds.
Commercial Full Title Search
Real Estate Research
Commercial Current Owner Search
Residential Full Title Search
Residential Current Owner Search
Residential Refinance Title Search
Residential Bring Down Title Search
Flood Determinations
Appraisals – Commercial and Residential
Tax Certifications
Tax Servicing
Monitoring for Delinquencies
Escrow Tax Servicing
Filings
Document Services
Retrievals
Oil & Gas Leases
Historical Research
UCC’s
Business Research
Good Standing Certificates
Corporate Lien Search
Articles of Incorporation
275 Mundy Street, Suite 202 | Wilkes-Barre, PA 18702 | 570-821-4600 Fax: 570-825-4282
www.tigerabstract.com

2. Document Services
Paperwork. It can be a headache, but it is critical to your business success. Tiger Abstract
provides document filing services nationwide and insures the delivery and return of real estate
documents to the appropriate county recorder as well as city, and state recording jurisdictions.
When your paperwork is in our hands you can be sure it will be properly managed.
Tiger Abstract takes an extra step with every document we handle. Each document is reviewed
prior to being processed for recording to minimize rejections which can delay your transac-
tions. Errors such as missing or illegible legal descriptions, missing or incomplete tax transfer
forms and county cover sheets or missing or illegible notary stamps and signatures are noted
prior to filing and recommendations made to correct the information.
Tiger Abstract Document Filing Services include:
Deeds Good Standing Certificates
Nationwide State Level Documents
Mortgages Articles of Incorporation
Deed of Trusts Lien Certificates
Assignments
Releases
Satisfactions
Oil & Gas Leases
Subordinations
UCC’s
275 Mundy Street, Suite 202 | Wilkes-Barre, PA 18702 | 570-821-4600 Fax: 570-825-4282
www.tigerabstract.com

3. What you need to know. When you need to know it.
Appraisals
Appraisals are a key component in the process of lending decision-making for both
commercial and residential mortgage financing. Accurate, timely and complete information
is critical to assure your decisions are financially sound and profitable. At Tiger Abstract, our
extensive network of research specialists allows us to complete appraisals in a timely manner
regardless of the location of the property. Our experience is your asset. We know what to look
for, what questions to ask and what avenues to take in order to assure you of complete and
accurate information upon which to make your decisions.
Commercial Real Estate Appraisals: In most cases, commercial real estate appraisals
are unique situations. Our experience is your asset. Commercial property appraisals require
an intimate knowledge of standard business practices, regulations and other aspects of real
estate transactions. Tiger Abstract has the experience you need to secure the most current
and accurate information available.
Residential Real Estate Appraisals: We manage the assignment of appraisals, ensuring
true and accurate information, monitoring turnaround time and conduct a quality control
audit procedure.
Single Family – All single family appraisals are completed on the 1004 URAR
Types of Appraisals include:
form and are completed within 3 to 5 business days of the appointment date.
Drive-By – The turnaround time for this type of appraisal is 72 hours from
the receipt of the order. This will vary depending upon the need for both interior
and exterior inspections. This appraisal is completed on the 2055 forms.
Condominium – The FNMA 1073 form is used for this type of appraisal.
Multi-Family – Three and four family property appraisals are completed
on the 1025 Small Residential Income Property form. We can also appraise
vacant land in anticipation of new construction, whether it is a mobile home,
modular or stick built.
Mobile Home – A Mobile Home appraisal form must be completed in full,
including the addendum.
275 Mundy Street, Suite 202 | Wilkes-Barre, PA 18702 | 570-821-4600 Fax: 570-825-4282
www.tigerabstract.com

4. Tax Servicing and Reporting
Reduce your risk. Save time and money.
Non-payment of taxes impacts your ability to serve your clients, and make a profit. Tiger Abstract
streamlines this process giving you real-time access to information on all of your loans under
service and a 100% accuracy guarantee. Now that’s peace of mind!
Tax Certificates: We will contact the taxing bodies and obtain written
disposition of taxes.
Monitoring for Delinquencies:
For escrowed loans: Tiger Abstract will report to you via our website the
amounts that need to be paid on every loan you have under service with us,
based on the tax cycles in your specific area. All delinquencies are reported
including the amount to be paid and the information you need to remit
payment to the appropriate taxing authority.
For non-escrowed loans: Tiger Abstract will report all delinquencies to
you via our website. You’ll then have the option, from a variety of standard
letters we provide or a customized letter of your choosing, to print out and
mail a delinquency notice.
Our goal is to save you time and money. Our experienced professionals will maintain contact
with you throughout the life of the loans; our web-based system provides 24/7/365 information;
reports and data files are readily accessible; and our customer service is second to none.
Call us today at 1-888-6TIGER8 for an online demonstration.
275 Mundy Street, Suite 202 | Wilkes-Barre, PA 18702 | 570-821-4600 Fax: 570-825-4282
www.tigerabstract.com

5. Flood Determinations
This search identifies the structures of a given address and assigns it an appropriate flood zone
designation and census tract data. Our system is continually updated ensuring compliance with
all federal regulations. We provide standard FEMA flood determination forms guaranteed by
a $5 million Error & Omissions Policy from an A+ rated insurer. Services include basic flood
determinations, life-of-loan tracking and census tract information.
You can access flood determinations directly from your computer in seconds. Working with
our partner Wolters Kluwer, a leader in providing financial services, we have set the industry
standard by developing a fully-integrated web-based platform to deliver instantaneous flood
determinatios the majority of the time. Tiger Abstract’s research ability combined with Wolters
Kluwer’s databases allow us to serve customers across the United States and enhances our flood
determination product by enabling a much higher hit ratio in rural areas. (Pennsylvania).
275 Mundy Street, Suite 202 | Wilkes-Barre, PA 18702 | 570-821-4600 Fax: 570-825-4282
www.tigerabstract.com

6. Free and clear.
Title Insurance and Settlement Services
In simple terms, title insurance guarantees the property you are buying or refinancing has clear
title. There is no question of ownership, no title defects, no outstanding issues. At Tiger Abstract,
once the research is completed, we begin the work of examining the collected data.
We look for anything that may affect the title of the property beginning with its legal description.
Are there defects in the chain of title – perhaps a missing heir or clerical errors? In addition,
current issues are reviewed. We will conduct a Patriot Act check, a domestic relations search and
a review of municipal charges and current taxes, listing any items on a page of Requirements
on the Commitment. These must be satisfied in order to issue a Commitment for Insurance
Policy for the property. Additionally, if needed, a page of Restrictions will be provided outlining
recorded items that cannot be removed from the property such as easements or right of ways.
Only then will Tiger issue an owner’s policy (and/or lender’s policy) that protects and defends
your investment if any future claims are made against the property. There is a one-time fee for
Title Insurance guaranteeing a “clean” title from the moment of closing backwards in time.
Once the “clear to close” is received from the lender, a closing or settlement is the next step. Here
again, the detail-oriented professionals at Tiger navigate the process of satisfying all parties in
the transaction.
Tiger contacts all parties to arrange an acceptable closing date while preparing the HUD-1
Settlement Statement describing the financial transaction. Additionally, one final “bring down”
is completed to insure no other liens, etc. have been filed on the property. At the closing Tiger
reviews all paperwork with the buyer and seller and explains all disclosures. Once signed,
Tiger reviews for accuracy and files the recordable documents at the courthouse. Finally, Tiger
disburses all funds to the proper entities.
275 Mundy Street, Suite 202 | Wilkes-Barre, PA 18702 | 570-821-4600 Fax: 570-825-4282
www.tigerabstract.com

7. Home Owners, Buyers and Sellers
Need for Title Insurance:
Buying a home is one of the biggest decisions you will ever make, which is why you need Title
Insurance to protect your property from title defects. There are many potential risks associated
with title defects such as:
• Lack of legal access to and from the land
• Forged signatures
• Errors in the Court House tax records
• Federal, estate, tax or inheritance liens
• Mechanics liens
• Title signed by someone mentally incompetent
• Title signed by an impersonator (not the legal owner of the property)
• Undisclosed heirs
• Title not executed properly or acknowledged correctly
• Clerical errors
• Incorrect legal descriptions
• Executed documents by a minor
• Errors resulting from improperly probated wills
Your title insurance policy protects you and your lender against these possible title defects.
Title Insurance Policies:
Owner’s Policy: When you purchase a property you are issued an Owner’s Policy. This policy
protects you against title defects. The one time only premium* for the policy is paid at closing
and is based on the purchase price of the home or the loan amount, whichever is greater. An
owner’s policy is not transferable. It lasts as long as you or your heirs own the property, or until
the title is sold or transferred.
An Owner’s Policy provides assurance that your title company will stand behind you, monetarily
and with legal defense if needed, if a covered title problem arises after you buy your home. The
bottom line is your title company will be there to help pay valid claims and cover the costs of
defending an attack on your title.
Lender’s Policy: This policy protects the lender’s investment interest in your property. This
policy protects the lender against title defects that may affect the mortgage. The lender’s policy
is in the amount of the mortgage loan and decreases as the loan is paid off. This policy is valid for
the duration of the loan.
*When you purchase your home you pay one premium that is all-inclusive for both policies.
275 Mundy Street, Suite 202 | Wilkes-Barre, PA 18702 | 570-821-4600 Fax: 570-825-4282
www.tigerabstract.com