2013 VTC E-NEWSLETTER ARCHIVES

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

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

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 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 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

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?

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

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