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How do your clients want to be vested?
Vesting is how your client will hold title to real property.  It is a good idea to have an understanding of the different methods of vesting so you can speak intelligently to your clients about this important aspect of home ownership.  As always you want to manage your risk level, so be sure to direct your clients to a real estate attorney, tax professional or your title and escrow company if there are complicated questions about vesting. 
Here are some basics...
HOLDING TITLE
The person(s) who are shown by the public record to own real property are called the "vested" owner(s).  The vested interest in real property for owners is called the "fee estate" or "fee title."  When title has more than one vested owner, there are four ways in which parties can hold an ownership interest in real property.  Below are the methods with a brief explanation of what they mean:
Tenants by the Entirety:
This vesting is used for married couples only.  If  parties hold title in this manner they hold with rights of survivorship.  If one party dies, title automatically passes to the other upon the recording of a death certificate. 
Tenants in Common:
Holding title in this manner ... more

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