Understanding Homeownership: Exploring Title Insurance with Michael Haltman of Hallmark Abstract

Do You Really Own Your Home? Title Insurance Explained with Michael Haltman of Hallmark AbstractDian Griesel speaks with Michael Haltman of Hallmark Abstract about how title insurance helps ensure a homebuyer receives good, clean, clear title by researching the past for issues like unpaid mortgages, liens, boundary line disputes, estate heir claims, and other encumbrances. Haltman explains that title insurance is backward-looking, typically required by lenders, and usually purchased as a one-time premium for long-term peace of mind, though claims are uncommon; he also describes how property searches are conducted across different New York jurisdictions and what goes into a policy. The conversation broadens to Haltman’s Wall Street and mortgage background, how the 2008 crisis led him and his wife to start a title company, his writing and podcasting, observations on interest rates and consumer debt, and his focus on gratitude, charitable work, and support for veterans.Learn more about Michael here: https://www.linkedin.com/in/titleinsurancenewyork/Please SUBSCRIBE! I’m Dian Griesel, Ph.D. aka @SilverDisobedience to my hundreds of thousands of monthly blog readers. You can learn more about me here:   ⁠⁠https://diangriesel.com⁠⁠ But for starters…⁠I am a perceptionist and communication counselor.⁠ For 30 years I have helped my clients to achieve greater understanding as to how perceptions impact everything we do whether personally or professionally."Raw, truth-driven conversations with fascinating guests — from business & psychology to careers, pop culture & the B.S. in between." Expect bold questions. Unfiltered insights. A few laughs. Real growth. Subscribe & Join the Conversation.SHOW RUN00:00 Do You Really Own It01:12 What Title Insurance Covers02:05 Boundary Disputes Done Right03:57 Claims and Peace of Mind04:58 How Title Searches Work06:39 City Issues and Air Rights07:34 Chain of Title and Liens09:14 When You Need the Policy10:18 One Time Premium Explained11:12 How Mike Got Into Title14:32 Big Short and Market Timing18:13 Rates Debt and Predictions19:22 Consumer Spending on Credit20:44 Writing and Leaving Politics21:49 Canceled for the Flag23:35 Pride and Free Speech24:23 Silver Disobedience Origins25:05 What He Writes About27:01 Wild Podcast Guests28:38 Long Island to Manhattan30:37 Kids as True Success31:28 Gratitude and Giving Back32:55 Veterans and Moral Injury34:42 Military Family Stories37:44 Closing Thanks and Links