Sunday, October 11, 2009
New York's War On Terror Over?
The Feds Seem To Think So
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Hallmark Abstract Service provides title insurance for residential and commercial real estate transactions in New York State and nationwide, underwriting through Chicago Title!
Michael Haltman started Hallmark Abstract Service in 2008 with two primary goals!
Number one was to create a title insurance company that would provide our clients with a superior finished product while affording them a seamless and stress-free process.
Number two was to make the experience of working with Hallmark Abstract Service as easy and as pleasurable as obtaining title insurance for a real estate transaction could possibly be!
From the sheer number of satisfied clients who keep coming back to Hallmark Abstract Service for their title insurance needs, I believe that we have accomplished our goals in the past, and we will continue striving to improve on them in the future!
In 1980 I earned an undergraduate degree in economics followed in 1984 by an MBA in finance with a concentration in tax-exempt finance. With this focus on the municipal market I became a municipal bond analyst at Shearson/Lehman Brothers tasked with following both general obligation issuers on the city and state level as well as housing bonds secured by mortgage pools.
This experience at Shearson/Lehman Brothers followed by stints at PaineWebber and Citigroup provided a broad framework of understanding concerning the mechanics of mortgage debt in terms of prepayment experience, mortgage quality and the expected duration of a portfolio.
Leaving Wall Street I formed Exeter Commercial which worked in tandem with various financial institutions that would package loan bundles and resell them to REMICS (real estate mortgage investment conduits). Title insurance was a critical part of the underwriting and closing process.
At the peak of the financial crisis, I recognized both an opportunity and need as many title firms, for a variety of reasons, closed their doors. Out of this, Hallmark Abstract Service was born.