Karlen's Korner doug
Presumptively Void Transfers: A New Law
By Douglas M. Karlen
Vice President and Regional Counsel for Chicago Title Insurance Company

The furor over the last will and testament of Mr. Cub, Ernie Banks, brings to mind a new statute with which real estate practitioners and estate planners should become familiar.  Public Act 98-1093, effective January 1, 2015, adds a new Article IVa to the Probate Act entitled Presumptively Void Transfers.  See new 755 ILCS 5/4a-5 et seq.  This new Article attempts to curb elder abuse and fraud by creating a rebuttable presumption that certain transfers of property are void .   Read More
Know Before You Close website
The Consumer Financial Protection Bureau (CFPB) has set forth new regulations and forms that will affect any residential loan originated after August 1, 2015.  Chicago Title offers a number of informative videos to help our customers understand how these new regulations will affect their real estate transaction .
Watch our introductory video, What is the CFPB to learn the basics of what CFPB and the newly integrated mortgage disclosure forms & regulations are all about.

Our New Rules, New Forms video explains the two new  disclosure forms: the Loan Estimate and Closing Disclosure. Learn what type of transactions they apply to and what types of transactions they do not.


For more information on CFPB and to watch additional videos, follow us on Facebook and LinkedIn.  Each month a new video will be posted covering this important topic.

Meet Andres Bardelas  
AVP/Escrow Administration Manager

Andres has been with Chicago Title for over 20 years.  As the Escrow Administration Department Manager, his role includes overseeing a department that is comprised of the earnest money escrow, national payment escrow and national recording project groups.  His previous experience includes closing national commercial transactions as an Escrow Officer for some of the Company's largest customers, traveling to various Chicago Title offices training and supporting employees on the Company's internal processing system, and working closely with the national office managers to increase workflow efficiencies utilizing this system.


As an Indiana University graduate and former city dweller for over 20 years, Andres is an avid IU, Chicago Bears and Chicago Cubs fan.  Currently, he lives in Geneva, Illinois with his wife and three kids: Noah (5), Emma (3) and Will (5 months).  
New Zoning Compliance Requirement
for Cook County Property

By Douglas M. Karlen
Vice President and Regional Counsel
Chicago Title Insurance Company

Cook County is now requiring zoning certificates for transfers of property located in unincorporated Cook County.  The Commissioner of Building and Zoning announced that effective March 21, 2015, any transfer of property in unincorporated Cook County will require a zoning certificate to verify current zoning and to disclose any outstanding building permits, violations, or judgments.  Instructions for applications for zoning certificates and application forms may be found at  The County will charge $100 per application.


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Chicago Title Insurance Company, National Commercial Services | Chicago  
10 South LaSalle Street |  Suite 3100 |  Chicago, IL 60603
312.223.4NCS |
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