> For the complete documentation index, see [llms.txt](https://underwriting.homium.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://underwriting.homium.io/insurance/title-insurance/title-insurer-requirements/title-exceptions-and-impediments.md).

# Title Exceptions and Impediments

Title Exceptions

Homium will not close and fund a loan secured by property that has an unacceptable title impediment, particularly unpaid real estate taxes and survey exceptions. 

If surveys are not commonly required in particular jurisdictions, the title agent must provide an ALTA 9 Endorsement. If it is not customary in a particular area to supply either the survey or an endorsement, the title policy must not have a survey exception. 

Minor title impediments must not materially affect the marketability of the property.