NJ TITLE INSURANCE 2026 EXAM SCRIPT QUESTIONS
AND SOLUTIONS RATED A+
✔✔Avulsion - ✔✔Sudden change of course of a stream
✔✔Joint Tenancy - ✔✔two or more people own property ; nonmarried persons with right
of survivorship
✔✔ALTA - ✔✔American Land Title Association
✔✔Usury - ✔✔Charging more than (unusually high) the legal limit on interest.
✔✔Appraisal - ✔✔A defensible estimate of value by an expert under given market
conditions.
✔✔Life Estate - ✔✔Granting of a lifetime interest in the property without the right to
transfer title.
Complete ownership until someone's death
✔✔Ingress And Egress - ✔✔The means to gain entrance into or to an exit from a
property
✔✔Housing and Urban Development (HUD) - ✔✔A government agency which oversees
National Housing Programs and enforce the Federal Fair Housing Act
✔✔Real Estate Settlement Procedures Act (RESPA) - ✔✔To ensure that the buyer and
seller in a residential real estate transaction have knowledge of all settlement costs ;
prohibits kickbacks
✔✔Metes and Bounds - ✔✔Description makes use of the boundaries and
measurements of the land in question
✔✔Benchmark - ✔✔Aid surveyors, permanent reference points
✔✔Master Deed - ✔✔Summary of all Deeds in a condominium project, as well as
describing the interest in common elements.
✔✔Datum - ✔✔a point, line, or surface from which elevations are measured or indicated
✔✔Bequest - ✔✔Gift of personal property by Will.
,✔✔General Partnership - ✔✔A business relationship where all the partners participate
in some extent in the operation and management of the business and may be held
personally liability for business losses and obligations
✔✔Constructive Eviction - ✔✔"Self eviction" by the tenant because the property cannot
be used for the purpose for which it was rented.
✔✔Pur Autre Vie - ✔✔For The Life Of Another ; A life estate measured by the life of
someone other than the tenant
✔✔Bilateral Contracts - ✔✔Both parties promise to do something ; one promise is given
in exchange for another
- real estate contracts
✔✔Bundle of Rights - ✔✔Buying the rights previously held by the seller
1) the right of possession
2) the right to use the property in any legal manner
3) the right of enjoyment
4) the right of exclusion
5) the right of disposition
✔✔Judgement - ✔✔A court decision regarding the respective claims of the parties to an
action
After recorded, this usually becomes a general lien on the property of the defendant
✔✔Spot Zoning - ✔✔A use Variance for a specific property.
✔✔Set Back - ✔✔The distance set by zoning ordinances from adjoining property lines
limiting the placement of a building / space between houses
✔✔General Lien - ✔✔A lien against all the property / assets someone owns
(Judgements, federal / state taxes, debts of dead person, IRS taxes)
✔✔Police Power - ✔✔The power vested in a state to establish legislation to preserve
order, protect the public health and safety and promote general welfare (environmental
protection laws, zoning & building ordinances)
✔✔Graduated Payment Plan (Adjustable Rate Mortgage) - ✔✔A mortgage in which
payments are lowered intentionally then increase to make up the difference.
✔✔Breach of Contract - ✔✔Default on a contract by one or two parties.
, ✔✔Riparian Rights - ✔✔Land bordered or traversed by a stream of waterway ; use of
water by adjoining landowners
If a stream is identified as non navigable by a federal survey map
✔✔Involuntary Alienation - ✔✔title of property is transferred without the owners content,
such as: Adverse Possession, Eminent Domain, Escheat or Foreclosure
✔✔Chattels - ✔✔Movable personal property
✔✔Seisin - ✔✔The grantor warrants that he is the owner of the property and has the
right to convey title to it
✔✔Recession - ✔✔To cancel or nullify in agreement returning to status quo within 7
days
✔✔In Rem - ✔✔The term describing a specific lien against a property.
✔✔Inchoate Rights - ✔✔Unrealized rights, such as dower or courtesy during the lifetime
of a spouse.
✔✔Lis Pendens Lien - ✔✔A notice for any suit is filed that potentially affects title to a
specified parcel of real estate.
lien pending litigation
✔✔Leasehold Estate - ✔✔Involves tenants and are estates for a period of time (lease
not own) ; considered personal property
property whose length in Predeterminble.
✔✔Nonconforming use property - ✔✔A building that does not conform to the zoning use
because it was erected before the enactment of the zoning law (grandfathered in)
✔✔Partition - ✔✔Legal action to dissolve a joint ownership filed in court
✔✔Certificate of Occupancy - ✔✔Building Inspector's certification that the structure
conforms to code
✔✔Valid contracts - ✔✔Those contracts that have mutual agreement, consideration,
competent parties and legal purpose.
AND SOLUTIONS RATED A+
✔✔Avulsion - ✔✔Sudden change of course of a stream
✔✔Joint Tenancy - ✔✔two or more people own property ; nonmarried persons with right
of survivorship
✔✔ALTA - ✔✔American Land Title Association
✔✔Usury - ✔✔Charging more than (unusually high) the legal limit on interest.
✔✔Appraisal - ✔✔A defensible estimate of value by an expert under given market
conditions.
✔✔Life Estate - ✔✔Granting of a lifetime interest in the property without the right to
transfer title.
Complete ownership until someone's death
✔✔Ingress And Egress - ✔✔The means to gain entrance into or to an exit from a
property
✔✔Housing and Urban Development (HUD) - ✔✔A government agency which oversees
National Housing Programs and enforce the Federal Fair Housing Act
✔✔Real Estate Settlement Procedures Act (RESPA) - ✔✔To ensure that the buyer and
seller in a residential real estate transaction have knowledge of all settlement costs ;
prohibits kickbacks
✔✔Metes and Bounds - ✔✔Description makes use of the boundaries and
measurements of the land in question
✔✔Benchmark - ✔✔Aid surveyors, permanent reference points
✔✔Master Deed - ✔✔Summary of all Deeds in a condominium project, as well as
describing the interest in common elements.
✔✔Datum - ✔✔a point, line, or surface from which elevations are measured or indicated
✔✔Bequest - ✔✔Gift of personal property by Will.
,✔✔General Partnership - ✔✔A business relationship where all the partners participate
in some extent in the operation and management of the business and may be held
personally liability for business losses and obligations
✔✔Constructive Eviction - ✔✔"Self eviction" by the tenant because the property cannot
be used for the purpose for which it was rented.
✔✔Pur Autre Vie - ✔✔For The Life Of Another ; A life estate measured by the life of
someone other than the tenant
✔✔Bilateral Contracts - ✔✔Both parties promise to do something ; one promise is given
in exchange for another
- real estate contracts
✔✔Bundle of Rights - ✔✔Buying the rights previously held by the seller
1) the right of possession
2) the right to use the property in any legal manner
3) the right of enjoyment
4) the right of exclusion
5) the right of disposition
✔✔Judgement - ✔✔A court decision regarding the respective claims of the parties to an
action
After recorded, this usually becomes a general lien on the property of the defendant
✔✔Spot Zoning - ✔✔A use Variance for a specific property.
✔✔Set Back - ✔✔The distance set by zoning ordinances from adjoining property lines
limiting the placement of a building / space between houses
✔✔General Lien - ✔✔A lien against all the property / assets someone owns
(Judgements, federal / state taxes, debts of dead person, IRS taxes)
✔✔Police Power - ✔✔The power vested in a state to establish legislation to preserve
order, protect the public health and safety and promote general welfare (environmental
protection laws, zoning & building ordinances)
✔✔Graduated Payment Plan (Adjustable Rate Mortgage) - ✔✔A mortgage in which
payments are lowered intentionally then increase to make up the difference.
✔✔Breach of Contract - ✔✔Default on a contract by one or two parties.
, ✔✔Riparian Rights - ✔✔Land bordered or traversed by a stream of waterway ; use of
water by adjoining landowners
If a stream is identified as non navigable by a federal survey map
✔✔Involuntary Alienation - ✔✔title of property is transferred without the owners content,
such as: Adverse Possession, Eminent Domain, Escheat or Foreclosure
✔✔Chattels - ✔✔Movable personal property
✔✔Seisin - ✔✔The grantor warrants that he is the owner of the property and has the
right to convey title to it
✔✔Recession - ✔✔To cancel or nullify in agreement returning to status quo within 7
days
✔✔In Rem - ✔✔The term describing a specific lien against a property.
✔✔Inchoate Rights - ✔✔Unrealized rights, such as dower or courtesy during the lifetime
of a spouse.
✔✔Lis Pendens Lien - ✔✔A notice for any suit is filed that potentially affects title to a
specified parcel of real estate.
lien pending litigation
✔✔Leasehold Estate - ✔✔Involves tenants and are estates for a period of time (lease
not own) ; considered personal property
property whose length in Predeterminble.
✔✔Nonconforming use property - ✔✔A building that does not conform to the zoning use
because it was erected before the enactment of the zoning law (grandfathered in)
✔✔Partition - ✔✔Legal action to dissolve a joint ownership filed in court
✔✔Certificate of Occupancy - ✔✔Building Inspector's certification that the structure
conforms to code
✔✔Valid contracts - ✔✔Those contracts that have mutual agreement, consideration,
competent parties and legal purpose.
