2013 VTC E-newsletter Archives

December 2013 Title Notes E-Blast

  • Report: Lending Rules Could Have Cut Defaults in Half
  • ALTA Best Practice #3: Information Security – Keeping Secrets from the Backyard to the Board
  • Four Strategies to Increase the Performance of Community Banks’ Debit Card Portfolios
  • Real Life Example: Why You Should ALWAYS Recommend an Owner’s Title Policy to Your Clients — The Case of the Disappearing Money
  • Consumer Confidence Rose in November
  • Financial moves You Should Make by New Year’s
  • Spotlight on Settlement: E-Recording … is it Right for You?
  • What Makes an Effective Workplace?
  • Appellate court throws out long-standing sniff test for ‘sham’ joint mortgage and title businesses
  • Title Tip: Encroachments … What factors should be considered if affirmative coverage is desired?
  • VTC Teammate Feature: Susan Miller, Settlement Processor
  • Grammar Tips: When to Use “That” and When to Use “Which”
  • Did You Know?  CAPTCHA is a type of test used in computing to determine wheter or not the user is human

November 2013 Title Notes E-Blast

  • Escrow Accounts – Follow the Money – ALTA Best Practice #2
  • Workplace Coach: Adapting to Change is Key to Business Survival
  • Investors Title Company Announces Third Quarter 2013 Results
  • Spotlight on Settlement: The Importance of Proper Notary Acknowledgment
  • 5 Career Lessons to Learn from Superman
  • In the Words of a VTC Client – Cyndi Beach Stultz, Valley Bank Mortgage Testimonial
  • Title Tip: So There is a Federal Tax Lien on the Subject Property … Now What?
  • VTC Teammate Feature: Gail Duffy, Operations Manager & Title Insurance Underwriter
  • Grammar Tips: How Do You Use There, They’re and Their?
  • Did You Know?: Title History and Tidbits
  • The Top 10 Rules of Business Email Etiquette

October 2013 Title Notes E-Blast

  • November 12 Webinar – The Latest in Properly structuring Commercial Real Estate 1031 Exchanges
  • CFPB Compliance Myths That Deserve Debunking
  • Is Work Killing You? Improve Your Work Health
  • CFPB Hits Two Lenders with Thousands in Penalties over HMDA Data
  • Dodd-Frank and Community Banks: Your Guide to 12 Critical Issues
  • The Changing Face of Banking
  • The Key to Customer Satisfaction? Just Take Care
  • Title Tip: When to Use an Arms-Length or Current Owner Title Search
  • VTC Teammate Feature:  Kara Ramsey, Title Insurance Underwriter
  • Grammar Tips: The Battle of its vs. it’s vs. its’
  • 1031 Exchanges: What are the benefits of Exchanging vs. Selling?
  • In the Words of a VTC Client – Carolyn J. Angell, Loan Processor, MainStreet BankShares, Inc.

September 2013 Title Notes E-Blast

  • September Webinar – Managing and Assessing Environmental Risk Associated with Real Property Used as Collateral
  • VTC Welcomes Kay Slusher to Roanoke Office as Settlement Processor and Closer
  • CFPB Director Discusses QM Rule
  • AEI Releases Public Opinion Survey Covering Banks, Regulation
  • What Homebuyers Need to Know About Title Insurance
  • Plats and Surveys, Surveys and Plats …. The Ins and Outs …
  • Title Tip: Survey Coverage – Requirements and Exceptions Related to Survey Coverage for Lender’s and Owner’s Policies
  • Grammar Tip: What’s it to Be? “I” or “Me?”
  • In the Words of a VTC Client – Carolyn S. Kazner, Bank of Floyd

August 2013 Title Notes E-Blast

  • August 27th Webinar – Reviewing Title Commitments and Title Policies
  • September Webinar – Managing and Assessing Environmental Risk Associated with Real Property Used as Collateral
  • The CFPB Opened its Doors Two Years Ago. In that time, a lot has changed.
  • How much do you know about USDA Single Family Housing Loans and Grants?
  • Investors Title Company Announces Second Quarter 2013 Results
  • Got a title Insurance Claim?  Now What?
  • Spotlight on Settlement: The Role of the Settlement Agent
  • Title Tip: Residential Construction Loans – Benefits of Using the Mechanics’ Lien Agent Procedure versus the Long Form Lien Waiver Procedure
  • Grammar Tip: One or Two Spaces Between Sentences?
  • Did you Know?: Master Home Equity Loan Title Insurance Policy (MHELP)
  • In the Words of a VTC Client: Ginger Whitlock, Sagner & Huber, PLC
  • VTC Teammate Feature: Laura Lesando, Title Insurance Underwriter

August 6, 2013 Special Report for Lenders

  • Banks Put on Notice:  CFPB Says Banks are Responsible for Service Providers
  • ALTA’s Best Practices Offers Banks the Guidance to Know Your Service Providers
  • ASK JONATHAN BIGGS – Questions about articles or other items related to CFPB memorandum?

July 2013 Title Notes E-Blast

  • Sign up for Free August 27th Webinar – Reviewing Title Commitments and Title Policies
  • Homebuilder Sentiment Reached Highest Level Since January 2006
  • Advantages of a New Owner’s Policy for a Lender Acquiring Property in a Foreclosure
  • Is a 1031 Exchange Right for Your Client?
  • Check Out VTC’s Blog, Website, Facebook Page ….
  • Did you know that VTC offers Commercial Title and Settlement Services too?
  • Title Tip:  Expanded Coverage Policies – Providing the Lender and Owner with Coverage for Future Events Affecting the Title
  • Have you test the TitleHound Rate Calculator yet?
  • VTC Teammate Feature:  Brandy Wimer, Settlement Services Manager

June 2013 Title Notes E-Blast

  • Sign up for Free Health Care Reform Webinar – Impact on Small Business
  • CFPB Launces New Mortgage Rule Implementation Page
  • Banks Put on Notice: CFPB Says Banks are Responsible for Service Providers
  • VTC is Moving Ahead with Social Media … Jump on Board with Us!
  • VTC Debuts:  TitleHound On-Line Rate Calculator
  • ALTA’s Best Practices Offers Banks the Guidance to Know Your Service Providers
  • Title Tip: When do Mobile and Manufactured Homes Qualify for ALTA Endorsement Form 7?
  • VTC Teammate Feature: Debbie Elig, Certified Commercial Underwriter

May 2013 Title Notes E-Blast

  • CFPB Explains New Mortgage Rules Via YouTube Campaign
  • Title Tip:  Environmental Protection Liens – When to Use ALTA 8.1 vs 8.2
  • Investors Title Reports Record Levels of Earnings, Revenue
  • Nicole Hamilton Joins VTC Settlement Services Team

April 2013 Title Notes E-Blast

  • Did You Hear? Changes to Virginia Recordation Taxes
  • New Super “C” of Credit Lending
  • Title Tip: Know Your Insurer and Coverage
  • Patti Dickerson Joins VTC as Director of Marketing & Communications