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Proposed changes New York is currently the only state that does not accept title insurance for government land purchases. The state attorney generals office requires a perfect title for acquisitions and conservation easements, even if the lands ownership history dates back centuries.
Montana automatically declares these as realproperty once they are permanently affixed, but the government requires the de-titling paperwork. FHA has a max of 50 acres, but Montana’s ‘mini-ranch’ rule kicks in for larger properties, requiring a mortgage instead of a deed of trust, which FHA doesn’t acknowledge,” he said.
EASEMENTS: An irrevocable right to use some part of another person’s realproperty for a particular purpose. Most easements are routine, in which a utility company needs access to the property to maintain service of its electricity, water or internet.
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