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?