Ticor Title Oregon – Blog, Information, & Solutions

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Shirley Gilbert Announces Retirement – April 1

Shirley Gilbert Announces Retirement – April 1

It is with mixed emotions that we announce the retirement of our Escrow Operations Manager, Shirley Gilbert, effective April 1st.

2018 marks Shirley’s 30th year with the FNTG family. She began her career in escrow in 1988 at Chicago Title in Hayward, CA, spent most of her career in the Willamette Valley and transferred to the coast December 2015.

We consider Shirley to be one of the best in the industry as she is not only experienced with an extensive background and knowledge of the industry but well accomplished and ALWAYS strives to exceed the industry standard.

Although we will all miss Shirley, she has worked hard throughout her career and has earned the opportunity to enjoy more time with her husband, family pets and the beach.

Please join us in wishing Shirley all the best in her retirement!

Pamela Krueger, Escrow Officer

Pamela Krueger

Shirley’sassistant, Pamela Krueger, will be filling the Escrow Officer position and has been working very closely with Shirley over the last year. Pamela has put in the time and effort to become an Escrow Officer and is absolutely thrilled at the opportunity. She is looking forward to providing continued exceptional customer service, communication, and value for their clients.

Pamela Krueger
pamela.krueger@ticortitle.com
Phone: 503-470-8020
422 N Roosevelt Dr
Seaside, OR 97138

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You’re Invited – St. Patty’s Client Appreciation Event!

You’re Invited – St. Patty’s Client Appreciation Event!

We are Lucky to have you as clients and want to celebrate with you!

Join us for a Pre-St. Patrick’s Day Customer Appreciation event at our Ticor Office in Salem (located in the South Block Building).

We will be converting our office into the “Ticor Pub” for the night

Stop in for a listen as our Irish Bag Piper plays Irish tunes every half hour. Our Pub will have Shuffleboard, Darts, hors d’ oeuvres, Scotch Bar, Guinness, Wine, and our Dessert Bar and Sipping Lounge. Stop by for a great time so we can say thank you for making 2017 a great year, and celebrate the year to come.

  • St Patty’s hors d’ oeuvres
  • Bar will be stocked with your traditional favorites
  • Shuffle Board
  • Darts & MORE!!!

Street and Garage Parking are available on site.

Let’s Celebrate

Thursday, March 15th
4:30 – 7:00 PM
Ticor Pub @ Ticor Salem
315 Commercial St. SE, Ste 150,
Salem, OR 97301

RSVP HERE

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Title Insurance FAQs for Home Buyers

Title Insurance FAQs for Home Buyers

Did you know that title insurance is the most effective, most accepted and least expensive way to protect property ownership rights? Because most consumers purchase title insurance only a handful of times in a lifetime, questions do arise when the time comes to purchase a property.

What is Title?

Title is your ownership right to your property.

What is Title Insurance?

Title insurance is a policy that protects your investment and property rights. There are two different types of title insurance: owner’s policy and lender’s policy.

OWNER’S POLICY

An owner’s policy protects your property rights for as long as you or your heirs own the home.

LENDER’S POLICY

A lender’s policy is usually required by the lender and protects only the lender’s financial interests. The buyer typically pays for this policy, but this varies depending on geography. For more information, please contact your Ticor Title Representative.

Why Should I Purchase Owners Title Insurance?

Owner’s title insurance is the best way to protect your property from future legal claims. It’s a one-time fee that covers you and your heirs for as long as you own your home. The owner’s policy also covers potential legal fees for settling claims against your property rights.

What Does Owner’s Title Insurance Cost?

The one-time payment for owner’s title insurance is low relative to the value of your home. The typical owner’s title insurance policy costs around 0.5% of the home’s purchase price.

How Long Am I Covered?

Your owner’s insurance policy lasts for as long as you or your heirs own your property. Your life will change over time, but your peace of mind never will.

Where Can I Get More Information?

Ticor Title helps educate homebuyers like you about the value of title insurance so you can protect your property rights. Contact a Ticor Title representative today to learn more about title insurance and the home closing process.

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Announcing Jessica Bullion, Customer Service Representative

Announcing Jessica Bullion, Customer Service Representative

We are pleased to announce Jessica Bullion as our dedicated and local Customer Service Representative and Property Information Specialist for Southern Oregon. to provide you with List Kits, Homebooks, CC&R’s, Deeds, FARM lists, Aerial Map Images, Mailing Labels, and much more. With access to an array of robust property information resources, we can search any property or owner to find information. We are excited to add Jessica to our team and are confident that she will bring added value to our clients and partners.

About Jessica Bullion

Jessica Bullion has lived in Southern Oregon her entire life. After graduating from Crater High School in 2010, Jessica stayed local and studied Psychology at Southern Oregon University.

Throughout her work life Jessica has thrived in positions that built business to business relationships through outstanding customer service and problem solving.

As the Ticor Title Company Southern Oregon Customer Service Representative, Jessica is responsible for helping our customers grow their business by providing outstanding property information resources to meet the demands of our ever evolving market.

Outside of work, Jess enjoys cooking, reading, hiking with her dog Ava, and sprucing her up her almost 100 year-old house.

Please join us in welcoming Jessica Bullion to the Ticor Title Team!

Jessica Bullion

Customer Service Representative
ticorsocs@ticortitle.com
541-282-8831

1555 E McAndrews Ste 100
Medford, OR 97504

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Real Estate Buyer & Seller Guide for Title and Escrow

Real Estate Buyer & Seller Guide for Title and Escrow

We are pleased to announce the availability of Ticor Title’s comprehensive Buyer/Seller guide in PDF and eBook Formats. This guide is designed to provide meaningful information and answer commonly asked questions that home buyers and sellers have throughout a real estate transaction.

Our goal with the Buyer/Seller Guide is to improve the overall experience of buyers and sellers by providing education and insights that demystify Title Insurance, Escrow, the CFPB, Taxes and more. This guide is a useful tool in setting proper expectations for the complex process of buying and selling a home.

How to Get the Buyer & Seller Guide

For your convenience, there are three ways to access the guide:

Downloadable PDF Download the Buyer & Seller Guide in PDF format for viewing, sharing, and local print. Download here: Buyer and Seller Guide to Title & Escrow
eBooklet eBooklet format presents well on tablets, smart-phones, and desktops and provides a means of linking to and sharing individual pages or sections of the document. Click here to view the Buyer & Seller Guide in eBook format.
Print The Buyer & Seller Guide is available in a high-quality print format upon request. Please contact your Ticor Title Sales Executive to reserve yours today.

The guide provides insights and information on the following:

Click any item below to view.

TITLE

The Title Insurance Value Proposition: 10 Reasons
What is Title? – FAQ
Why You Need Title Insurance – 21 Reasons
Life of a Title Search
Title Policy Comparison Chart
What is the Title Commitment?
Common Ways To Hold Title in Oregon
ID Affidavit – Why is it Needed?

ESCROW & TAXES

Escrow: FAQ
The Escrow Process
The Life of an Escrow
Opening Escrow
Red Flags in the Escrow / Title Process
Other Parties to an Escrow Transaction
The Loan Process
PMI Private Mortgage Insurance – FAQ

Taxes
PATH Act
Loan FAQ
What is Payoff
Property Tax – Annual Calendar
Closing Costs: What Buyers & Sellers Typically Pay For

CONSUMER FINANCIAL PROTECTION BUREAU

Consumer Financial Protection Bureau (CFPB)
What is Consumer Financial Protection Bureau? (CFPB)
Will The New CFPB Rule Delay My Closing?
Purchase Title / Escrow Order Workflow
The New Closing Disclosure Explained

TERMS

Glossary of Terms

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Announcing Jodi Carlson – Branch Manager, Astoria

Announcing Jodi Carlson – Branch Manager, Astoria

We are pleased to announce the promotion of Jodi Carlson to Branch Manager of our Astoria location. Jodi’s wealth of experience and history with our company have elevated her to a natural position of leadership and we are confident that our clients, partners, and staff will benefit from her management role in Astoria.

Please join us in congratulating Jodi!

About Jodi Carlson

Jodi was born and raised in Knappa, Oregon and graduated from Knappa High School. Her career with Ticor Title began in 1993 and she progressed consistently, holding the positions of Posting Locating, Examiner, Recorder, Policy Department, and Title Officer. She is proud to have learned her craft under the guidance of Karen Campbell, Ken Johnson, and Tami Malcom, who are among the best in the title community.

Jodi has been married to her husband Clint for 20 years, and together they have a daughter, Sophia. In her free time, Jodi enjoys watching her daughter’s sporting events and loves to read, hike, and travel.

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True Story – Escrow Closer Thwarts Last-Minute Wire Fraud Scheme

True Story – Escrow Closer Thwarts Last-Minute Wire Fraud Scheme

Leanne S., AVP Branch Manager of one of our sister offices, had a closing at 10:00 a.m. The buyer was obtaining a new loan to purchase the home. The buyer had not yet wired in the closing funds so she could not disburse the proceeds to the sellers.

Leanne made arrangements with the sellers at the closing to pick up the proceeds check later that day. The sellers indicated they were going to use the funds to pay off the home equity loan on their primary residence with Navy Federal Credit Union®.

A Last-Minute Change Requested via Email

Within 10 minutes after the buyer and sellers left her office she received the following email:

Hi Leanne,

Thank you so much for assisting with the closing. But regarding our disbursement can you assist with changing disbursing to our Sun Trust bank account. Please note that this is very important. Kindly get back to me so I can send you wire instructions.

Thanks
Mr. and Mrs. Marty G.

Wire Instructions via Email are a Red Flag

Leanne was confused. She just spoke to the sellers about the fact they bank at Navy Federal Credit Union. They never mentioned anything about SunTrust℠ being their bank. Plus, Marty was very specific about picking up his check.

Leanne replied to the email explaining she would not be able to accommodate his request unless he came back to her office to complete and sign her wire out instructions, and provide a copy of a voided check from his SunTrust account. She never received a reply to her email and Marty confirmed he never sent that email.

Careful Communication is Key

Leanne was confident she knew the email was a scam. She spoke in detail to the sellers about when their proceeds would be available, she knew their plans for the money and where they banked.

Leanne was particularly unnerved about the fact the hacker seemed to know exactly when the closing was scheduled for and when the sellers had left her office. It is scary how savvy the hackers were.

The proceeds were in excess of $355,000. Had Leanne not paid attention to the details, she could have fallen for the scheme. Instead, she is being rewarded and recognized for thwarting a loss the Company could have suffered.

Be Aware!

Online banking fraud is on the rise. If you receive an email containing WIRE TRANSFER INSTRUCTIONS call your escrow officer immediately to verify the information prior to sending funds.

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New Location December 18 – Ticor Title Tillamook

New Location December 18 – Ticor Title Tillamook

We are excited to announce that the Ticor Title Tillamook office will have a new location as of Monday, December 18. We will be closing our 2211 Third St. location at noon on Friday, December 15 to make the move. Our new location will provide improved amenities, greater accessibility, and a more upscale experience for our Tillamook area clients and partners. You can expect the same high standards of service from our current team of professionals.

Ticor Title Tillamook New Location – Dec 18

Ticor Title
802 Main Ave.
Tillamook, OR 97141

(503) 842-5533

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2018 Recorder’s Office Holiday Closure Schedules

2018 Recorder’s Office Holiday Closure Schedules

We are pleased to announce the availability of the 2018 Recorder’s Office Holiday Closure schedules for the primary areas that we serve in Oregon. These calendars assist in planning the timing of escrow closings at a glance, and each conveniently shows the following:

  • Days that the recorders offices will be closed
  • The last refinance-signing day for each month (in order to fund & record that month).
  • When Taxes become due

Visit www.TicorNW.com to view or download the calendar for your area

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Pajama Drive 2017

Pajama Drive 2017

We are pleased to announce that Ticor Title is collaborating with the United Way in the Mid-Valley do provide pajamas to children in need this holiday season. If you would like to help, please consider donating at a Ticor Title pajama donation station. Girls & Boys pajamas of all sizes are needed.

Together We Can Help

Many children in our community face the holidays and the winter months without the warmth and security most of us enjoy! For children in the foster care system, that can also mean they are celebrating away from home, and away from family. United Way of the Mid-Willamette Valley is coordinating the 5th annual pajama drive to benefit foster children and others in Marion, Polk, and Yamhill Counties.

Pajama Drive

November 1 – December 15

What’s Needed?

Boys and Girls pajamas in all sizes

Where to donate

Donate at any Ticor Title Location in the Mid-Valley.

Let’s give the gift of warmth and comfort this season!

Donation Locations

105 NE 4th – McMinnville,OR 97128
115 N College St, Ste 2 – Newberg, OR 97128
105 NE 4th – McMinnville, OR 97128
315 Commercial St SE, Ste 150 – Salem, OR 97301
220 6th Ave, Ste 100 – Albany, OR 97321
400 SW 4th St, Ste 100 – Corvallis, OR 97333
289 E Ellendale Ave, Ste 504 – Dallas, OR 97338
52 E Airport Rd – Lebanon, OR 97355
206 N First St – Silverton, OR 97381

Questions?

Please contact your Ticor Title Sales Executive for more information.

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