2014 VTC E-newsletter Archives

December 2014 Title Notes E-Blast

  • Four Things I Wish I Had Known in 1994
  • Build a Plan, Reach Your Goal
  • Providing Purpose for Bank Customers
  • Investors Title Announces YTD Performance
  • 5 Answers to Critical Homebuyer Questions That Prove You’re a Rock-Star Agent
  • Diversification In Your Bank’s Loan Portfolio That Makes a Difference
  • 6 Principles of Human-Centric Leadership

November 2014 Title Notes E-Blast

  • Leadership in the Shadow of Crisis
  • VTC Devotes Veterans Day to Giving Back to the Community
  • The Midterms are Over, But the Community Bank Battle Continues
  • Why Bank Boards Should Take a Hard Look in the Mirror
  • Build Your Real Estate Plan — Escape From Tomorrowland Today
  • Title Tip: A Friendly Reminder Regarding Construction Loan Policies and Affirmative Mechanic’s Lien Coverage
  • Study: Most First-Time Homebuyers Confused About Mortgage Process
  • Simple Segmentation for Improved Sales
  • Consumer Comfort in US Advances to Second-Highest Since 2008

October 2014 Title Notes E-Blast

  • Bold Regulatory Reforms Can Help Small Banks Survive
  • Have Community Banks Changed Enough?
  • 4 VTC Teammates Recognized for Milestone Anniversaries
  • Mel Watt and Julian Castro Announce Housing Policy Changes
  • CFPB Releases Updated Rules Readiness Guide
  • Title Tip – Quitclaim Deeds 101: What You Need to Know About These Property Transfer Documents
  • More than 80% of U.S. Homeowners Have Regrets About Their Purchase
  • Video: Do You Know What Consumers Want from a Real Estate Agent?
  • Here’s How Much Americans Owe on Mortgages in Every State
  • Successful Relationship Managers Are Partners to Their Clients
  • 28 Inspiring Quotes on Leadership in Business

September 2014 Title Notes E-Blast

  • Mortgage-Heavy Banks Fight for Higher Stock Valuations
  • Financially Healthy Employees Good for Business, Bureau Says
  • US Income Gap Widened During Economic Recovery: Federal Reserve
  • Closing Costs are Rising…Here’s Why
  • REALTORS Expect Modest Price Growth in Next 12 Months
  • Great Leaders Dig Into the Heart of Innovation
  • Your Place to Call Home: Title insurance protect you from the past
  • Title Insurance premium volume in 2Q dropped 16.6% YOY
  • Spotlight on Settlement: Keys to Success Part I – Communication
  • The Lost Art of the Hand Written Thank you Note
  • Giving Back to Build a Better Community – Feeding America Southwest Virginia
  • Grammar Tips: 26 Words That Can Leave the Wrong Impression if Used Incorrectly

August 2014 Title Notes E-Blast

  • VTC launches new tag line and purpose statement.
  • Replay available of Loan Modifications and Your title Policy Webinar
  • Commercial Lending Drives Loan Growth for U.S. Regional Banks
  • The (High) cost of Mortgage Lending
  • The Future of Banking is Responsive
  • What Your Clients Should Know About Easements
  • How to Take Care of Your Team So They Take Care of You
  • Why You Should Always Recommend an Owner’s Title Policy – The Only Sure Things in Life are Death and Taxes
  • Spotlight on Settlement: Don’t be scared of the commercial closing
  • Title Tip: What Liens do NOT get wiped out upon foreclosure?
  • Five Tips for Feedback That Makes a Difference
  • The S.W.E.A.T. Pledge (Skill & Work Ethic Aren’t Taboo)
  • What value did you bring your customer today?
  • Giving Back to Build a Better Community: Carilion Clinic Children’s Hospital Golf Tournament and Party on the Lawn
  • Grammar Tips: Every day or everyday?

July 2014 Title Notes E-Blast

  • FREE Webinar: Loan Modifications and Your Title Policy – July 22, 2014 at 10 a.m
  • Why Some Banks Are Measuring Mortgages Wrong
  • Ten Critical Risk Management Services Your Credit Migration Model Should Provide
  • Virginia Establishes Savings Plan for First-Time Home Buyers
  • Report on 2014 Legislation Affecting Banking
  • Millennials May be About to Move Out
  • 4 Trends in Real Estate Right Now
  • In Home Loans, Subprime Fades as a Dirty Word
  • Why You Should ALWAYS Recommend an Owner’s title Policy to Your Clients – No Way to Get There
  • Did You Know…About the Automatic Release Provision for Federal Tax Liens?
  • Better Protection by Spreading the Risk
  • Spotlight on Settlement
  • Title Tip: Change in Mobile Home Exceptions
  • What Does the Supreme Court’s Recess Appointment Decision Mean for the CFPB?
  • Lenders Could Be On Hot Seat if Borrowers Withdraw Application
  • It’s What Your Loan Officers Say That Matters
  • ABA to Present Three Briefings and Webcasts in July
  • 10 Grammar Mistakes Even Smart People Make
  • 10 Things Really Amazing Employees Do

June 2014 Title Notes E-Blast

  • FREE Webinar: Loan Modifications and Your Title Policy – July 22, 2014 at 10 a.m.
  • Investors Title Distinguished for Excellence
  • Transferring Appraisals: Helping Lenders and Brokers Understand How Standards and Rules Intersect
  • Indie Bankers’ Profit-Per-Loan Down NEarly $1,000 Year-Over-Year in 2013
  • OCC to Loosen the Oversight Leash on Big Banks
  • The Real Reason Community Banks are Closing
  • Compliance and Risk Management Options That are Cost Effective
  • Why You Should ALWAYS Recommend an Owner’s Title Policy to Your Clients:  Dig a LIttle Deeper
  • Title Defects Can Haunt Transactions
  • Spotlight on Settlement: Getting Settlemed Before Mortgage Settlement Will Make the Process Go More Smoothly
  • 2014 Virginia Legislation Affecting Real Estate Industry
  • CFPB Mandates Top List of Concerns in Compliance Survey
  • Summers Admits to Mistakes in Handling of Housing Crisis
  • ABA Praises CFPB Mortgage Cure Proposal, Seeks Longer Window
  • 4 Housing Bills That Could Make Mortgage Lending Much Easier
  • Lost Generation Casts Shadow Over Housing Market
  • Grammar Tips:  Top 10 Business Writing Mistakes That Cost You Money
  • 10 Life Lessons From a Navy Seal

May 2014 Title Notes E-Blast

  • Best Practices Boot Camp: Data, Documents  Dollars!
  • Clearing Up Ideas on Title Insurance
  • Here’s a Solid 3-Point Plan for Put-Back Reform
  • All-Cash Home Purchases on the Rise
  • Investors Title Company Announces First Quarter 2014 Financial Results
  • Mortgage Application Activity Rebounds, Up 5.3%
  • Why You Should Always Recommend an Owner’s Title Policy – the Mechanic’s Lien
  • ALTA Best Practice #7
  • Attention Loan Officers — VTC Eliminated PO Box
  • The Next Banking Crisis is Already in the Making
  • Mortgage Lead Generator will Pay $225,000 to Settle FTC Charges That it Deceptively Advertised Mortgage Rates
  • Should You Lend in Areas of Fracking?
  • Title Tip: ALTA Expanded Homeowner’s Policy vs. ALTA Owner’s Policy
  • Mortgage Rates Hit a 2014 Low
  • CFPB Updates
  • How a Popular Two-Letter Word is Undermining Your Credibility
  • Client Testimonial – Katie Cury – First Bank & Trust
  • Grammar Tip: 30 Incorrectly Used Words that Can Make You Look Bad
  • 13 Most Commonly Asked Twitter Questions

April 2014 Title Notes E-Blast

  • Did you miss the April Webinar – Consumer Protection: Owner’s Title Insurance?
  • Title Insurance Helps Bring Peace of Mind
  • Karen DesRoches to Lead VBA Multi-Bank Title Agencies
  • Senior Days Ahead in Housing, Freddie Says
  • CFPB Publishes Small Entity Compliance Guide
  • Incomplete Description of Collateral In the Financing Statement May Negatively Impact Priority and Bankruptcy Rights
  • Why You Should Always Recommend an Owner’s Title Policy to Your Clients
  • ALTA Best Practice #6 – Just Because “Stuff Happens”
  • 7 Bold Commercial Real Estate Predictions
  • Increased Compliance Squeezing Out Community Banks
  • Did You Know? VTC Has Eliminated its PO Box in Roanoke!
  • Use of Tourism Development Financing Program on the Rise in Virginia
  • Pre-Existing Business Relationships and Affiliate Marketing
  • Spotlight on Settlement: FHA Changes Requirement to Collect a Full Month’s Interest from Sellers at Closing
  • Title Tip: Southern Title Insurance Corp. is headed for liquidation. What does this mean for holders of STIC policies?
  • Client Testimonial – Ann Harrington, C&F Mortgage Corporation
  • 3 Moments that Can Make or Break a Banking Customer’s Experience
  • 10 Annoying Email Habits to Break Today
  • The Best Investment? Your People.
  • VTC Teammate Feature: Patti Dickerson, Director of Marketing & Communications
  • Grammar Tips: American Rules for Punctuation with Quotation Marks
  • How to Get Honest Feedback When You’re the Boss

March 2014 Title Notes E-Blast

  • FREE Webinar on April 8, 2014: Consumer Protection: Owners Title Insurance – Lenders Get It … Don’t Forget the Owner.
  • Attorney General Warns of Home Deed Solicitations
  • Real Life Example: Why You Should ALWAYS Recommend an Owner’s Title Policy to Your Clients – We Own Half Your Property!
  • Wells Fargo Endorses ALTA Best Practices
  • ALTA Best Practice #5 – It Ain’t Over ‘Till It’s Over
  • US Housing Sector is in Big Trouble
  • Is Private Mortgage Insurance Making a Comeback?
  • Investors Title – Investors Relations News
  • Spotlight on Settlement: Helpful Hints for Smoother Setttlements
  • Title Tip: Simple Tips to Utilize When Placing an Order for Title Search, Title Insurance, and Settlement Services
  • The Financial and Emotional Benefits of Fully Engaged Bank Customers
  • Will Housing Bloom Again This Spring?
  • Bet You Didn’t Know These 10 Things About St. Patrick and Ireland
  • Goodby tolerances, hello variations.
  • US Housing Subcommittee Studies Ways to Boost Personal Data Security
  • Rethink the Loan presentation: The business model method to understanding lending opportunities
  • UST Deadline Looms: Another Step Taken Toward Nationwide Licensing
  • The 5 Traits of a Company’s ‘Top Talent’
  • VTC Teammate Feature: Vicki Tyree, Office Assistant/Search Coordinator
  • Did You Know? – The VTC Website Provides You Access to Great Industry Related Resources?
  • Grammar Tips: What is the Difference Between Affect and Effect?
  • Lifehack Your Lunch: 8 Scientifically Proven Ways to Maximize Your Mid-Day Break

February 2014 Title Notes E-Blast

  • Surviving New Mortgage Rules Year 1
  • FREE Webinar:  Consumer Protection: Owners Title Insurance – April 8, 2014
  • US Credit Quality Continues to Inch Forward
  • Real Life Example: Why You Should ALWAYS Recommend an Owner’s Title Policy to Your Clients – SOLD…and the Seller Kept Spending!
  • CoreLogic Report: Home Prices Have Increased for 22 Months Straight
  • Spotlight on Settlement: Preparing for changes under the new mortgage disclosures
  • How Gen Y are coming to dominate the workforce and new customer base
  • Could You Find Your Title Insurance Policy?
  • 5 Ways to Improve Team Engagement
  • Conference Call Funny!
  • Title Tip: What is a “Current Owner Search” and how does it differ from a “Full Search”?
  • VTC Teammate Feature – Lori Messer, Settlement Coordinator and Post Closer
  • Grammar Tip – When to use ‘Less’ or ‘Fewer’?

January 2014 Title Notes E-Blast

  • Virginia Title Center Expands its Social Media Presence
  • Community banks: You must sell or you will die
  • Top 8 Financial Marketing Resolutions for a Successful 2014
  • ALTA Best Practice #4 – Do it on time and do it right
  • Real Life Example: Why You Should Always Recommend an Owner’s Title Policy to Your Clients – The Case of the Missing Titles
  • Important New FHA Loan Limit Changes Effective January 1, 2014
  • “I Want my Money Now!” Constructive Receipt Issues in a 1031 Exchange
  • Spotlight on Settlement: CFPB Wants your Thoughts on Mortgage Closing Process
  • 10 Leadership Resolutions to Make It a Very Good Year
  • 2014 Marks the Beginning of a New Era for the US Housing Market
  • How Some Small Banks Thrive in a Tough Environment
  • Title Tip: The Ins and Outs of ALTA Residential Limited Coverage Junior Loan Policies
  • VTC Teammate Feature – Pam Blake, Title Underwriter
  • Grammar Tips:  “I” vs “me” – one of the easiest grammar rules to learn (and one of the most misused in daily conversation)
  • Did You Know?