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Major VA Loan Types
What Are The Major Types Of VA Loans? Major Veterans Affairs loan programs described in this video include: 1) Purchase Loans. These help eligible parties buy a home at competitive interest rates with little to no down payment and little or no private mortgage…
Consumers Call Remote Online Notarization (RON) Closing Process Safe, Secure
An overwhelming majority of consumers who used remote online notarization (RON) technology to complete their real estate transaction described the process as secure and convenient, and made the possibility of purchasing a home a reality. According to a survey issued...
Go Ahead….I’m Listening
Go Ahead, I'm Listening ... (courtesy of American Land Title Association) We’ve all probably experienced a scenario like this. You’re having a conversation about something and later that day you’re bombarded by online ads for the product. You don’t really want a...
Protect Your Property Rights
Get An Owner's Policy to Protect Your Property Rights New homeowners want to focus on buying new furniture for the living room or painting walls, not worrying about having to pay a bill left behind by a previous owner. Lenders require a title insurance policy to...
What’s the VA COE?
http://videotap.wistia.com/medias/vft0qhph9b?embedType=async&videoFoam=true&videoWidth=640 What Is A Certificate of Eligibility, or COE? The COE is the key document that verifies to lenders that someone is eligible for a VA-backed loan. Servicemembers,...
What is a Rate Lock?
Mortgage rates change constantly through an unpredictable combination of government policies and economic conditions. This video explains the common term ‘rate lock.’ A “Rate Lock” is a guarantee that a lender will honor a…
How Title Insurance Protects All Homebuyers
How Title Insurance Protects All Homebuyers Whether you’re purchasing a new or existing home, or refinancing, title insurance protects you against any problems affecting the title to your home. The Basics There are two types of title insurance: the owner’s policy and...
What’s a Qualified Mortgage?
http://videotap.wistia.com/medias/fiqvomy2o6?embedType=async&videoFoam=true&videoWidth=640 As this video explains, Federal laws put into effect in 2014 and supervised by the Consumer Financial Protection Bureau define lending practices and loan terms...
What’s Abilility to Repay?
http://videotap.wistia.com/medias/5uusyfx5e6?embedType=async&videoFoam=true&videoWidth=640 What are the “Ability to repay” rules about? In a nutshell, as this video shows, new laws require lenders to make a good-faith assessment of a borrower’s...
Capital Title Announces a New Division
President, Tom Lico, announced a new division last week; Commercial and New Construction. This will be headed up by Jason Seaver, Esq. Jason grew up in the industry with his father, Phil Seaver, as his mentor. He worked for Philip R. Seaver Title Company from a teenager, through its acquisition in 2009, and with it’s new parent…