Ticor Title Oregon – Blog, Information, & Solutions

Archive for the Mid Willamette Valley Category

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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Escrow & Title Insurance 101 [videos]

Escrow & Title Insurance 101 [videos]

A Rare and Exciting Event

For most of us, purchasing a home is an event that happens only a few times in our lifetime. Today’s homeowner stays in their home an average of 11-15 years. So it’s understandable that the typical home buyer may be unfamiliar with how escrow operates, what protection title insurance provides, and how to be ready for the escrow process when the time comes to make a real estate purchase.

Title & Escrow in Plain English

We’ve assembled a series of brief videos here that provide an overview of escrow & title insurance as well as insights into what to look for in a title insurance company and how to be prepared for escrow closing.

The Title & Escrow Experts

At Ticor Title, we’ve been insuring the home ownership dream for over a century. With a rich Pacific Northwest history and industry-leading financial strength, we provide the peace of mind and the personalized service that make the closing experience excellent for our clients and partners. If you have questions about the role of escrow or title insurance in your real estate transaction, our team of experts are here to help.

What is Escrow

What is Title Insurance

What to Look for in a Title Insurance Company

What to Expect at Closing

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Blood Drive – Ticor Title – October 23

Blood Drive – Ticor Title – October 23

We are pleased to announce that we are partnering with the American Red Cross to hold a blood drive at Ticor Title in Salem on October 23 from 11:45 AM to 4:00 PM. Every 2 seconds someone in the U.S. needs blood and every donation can help. Please join us as we roll up our sleeves for a good cause!

In honor of one of our own currently battling cancer and to help raise awareness for the need of blood and platelet donations…

How to Help

To schedule an appointment, call 1-800-RED-CROSS or visit redcrossblood.org and enter sponsor code: TicorTitle

Donation Tip

Streamline your donation experience and save up to 15 minutes by visiting RedCrossBlood.org/RapidPass to complete your pre-donation reading and health history questions on the day of your appointment.

Blood Drive

Ticor Title in Salem
American Red Cross Bus
315 Commercial St. SE, Salem
Monday, October 23
11:45 AM to 4:00 PM

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True Story: A Vacant Lot & Fake Sellers Caught

True Story: A Vacant Lot & Fake Sellers Caught

Teri D., Closing Officer at one of our agencies, was processing a sale of a vacant, waterfront lot. The sales price was $205,000; a cash purchase. The purchaser paid $5,000 as earnest money and was working with a builder on plans to build a home on the lot.

Since the property was a vacant lot Teri realized the seller’s mailing address would be different than the property address; her office has an added precaution in place where the address provided is compared with the address for the tax bill on the tax assessor’s website.

Confirmation & Connecting with the Sellers

Teri discovered the vacant property address was different than the tax bill address. She sent a letter to the seller at the address listed on the tax bill introducing herself, her company and asking the seller to contact her to confirm the sale of the lot. The buyer was not obtaining a new loan so about a week later they were ready to close. Teri prepared the closing documents on Friday, March 31, 2017. She contacted the listing agent to find out where and how she should send the closing documents. The listing agent advised her to email the closing documents to the seller. Once again, in an effort to ensure there was no funny business going on, Teri also sent the documents via overnight delivery to the address on the tax bill. Everything was sent on Monday, April 3, 2017.

We’re Not Selling

On April 5, 2017, the real owners of the vacant lot called the Agency and asked to speak with the President. Brice C. took their call. The owners explained to Brice they received a letter and overnight package from his company. They told him they were not selling their lot and did not have it listed for sale. Further, they stated they already explained this to the listing agent on March 24, 2017. That was twelve days ago. Teri wondered why the listing agent did not tell her that when she called on March 31, 2017?

Questions for the Listing Agent

Brice called Teri into his office to share what he learned. She immediately called the listing agent to notify him the real owners just called her company’s president. She asked him why he did not tell her he spoke to them on March 24, 2017. The listing agent explained after receiving the email about the property, unbeknownst to him, he asked the fake sellers for identification. They showed him their passports. He asked for copies and they gave him copies. It never occurred to him they were false.

The real owners had forwarded their email exchange with the listing agent to Brice, where they confirmed they were the owners of the lot and were not interested in selling. Teri also asked the listing agent why he provided her with a different email address for the seller than the one he received from the real owners who communicated with him. He simply huffed at her. Was he really going to let this deal close knowing all of this? She will never know.

No, Thank You!

Fortunately for Teri this agent does not usually do business with her. It was the selling agent who encouraged the buyers to select her as their closing agent. The company resigned from the transaction.

Teri recognized the risks associated with sales where the property owner is absentee. Simply checking the tax bill and sending a notice to the address listed on the bill saved the agency and the underwriter from a potential claim.

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Eclipse Alert – Mid-Willamette Valley Escrow Offices Closed August 21st

Eclipse Alert – Mid-Willamette Valley Escrow Offices Closed August 21st


ALERT!
For the safety of our clients and employees,
our Mid Willamette Valley offices will be closed August 21

The solar eclipse event on Monday, August 21 will bring countless
visitors from around the world to our area, creating an immense
impact on local businesses, government, and the Real Estate
community.

We anticipate major disruptions in traffic, parking, and county clerk
office hours Friday Aug 18, Monday Aug 21, and Tuesday Aug 22.
Please be aware that this disruption will impact our ability to close
and record transactions!

Solar Eclipse

August 21
Eclipse Info

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All New! Interactive Property Information Search

All New!  Interactive Property Information Search

We are excited to announce a completely redesigned ticorexpress.com providing a more interactive, visual, and streamlined property search experience!
Look for the new features August 22!

New Search Interface

Searching for property information is now quicker and easier because of predictive search and interactive aerial map features. Finding property information is now a more intuitive and visual experience.

Click Map to Search

The interactive map search makes researching adjacent or nearby properties easy! Click any property within view to access basic information or a complete property profile. Move or zoom the map to to explore and search.

Mobile Optimized

The new TicorExpress.com provides a better property search experience in the office or on the go because is optimized for mobile, tablet, and desktop!

Easy Access to Recent Searches

Save time accessing previous searches with the “Recent Searches” feature. Properties that you last searched are available in one click.

Advanced Search

Use the advanced search feature to search by address, owner name, parcel number, or street look-up.

Log in:
TicorExpress.com

Property Profile Information

TicorExpress.com provides property profile data, owner information, transfer history, recorded documents, plat maps, demographics, and school information.

How to Get an Account

If you already have a TicorExpress.com account, you’re ready to go. If you are a new user, please contact your Ticor Title Sales Executive for exclusive access to this powerful time-saving research tool!

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Best in Class & Getting Better! We’re Fortune #293!

Best in Class & Getting Better!  We’re Fortune #293!

Ticor Title is proud to be recognized as a leader in our industry as a member of the FNF Family of companies. We celebrate that in 2017 our rank has improved to the position of #293 from our previous position of #311 on the Fortune 500.

At Ticor Title, we believe that every transaction begins with a great team. Our team of professionals are committed to personalized service, clear communication, consistency, and the highest standards of conduct to ensure that our clients and partners have a best-in-class closing experience with every transaction.

We would like to thank you for your continuous patronage and support. We look forward to many years of innovation, growth, and successful closings together!

2017 Fortune 500

This year’s Fortune 500 marks the 63rd running of the list. In total, Fortune 500 companies represent two-thirds of the U.S. GDP with $12 trillion in revenues, $890 billion in profits, $19 trillion in market value, and employ 28.2 million people worldwide.

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Ticor Title Welcomes Brandy Oliver-Fuller, Senior Escrow Officer

Ticor Title Welcomes Brandy Oliver-Fuller, Senior Escrow Officer

We are proud to announce that Brandy Oliver-Fuller has joined our Salem Escrow team as a Senior Escrow Officer. She brings 24 years of industry experience and will be a true asset to our clients and partners.

Please join us in welcoming Brandy to our Escrow Team!

About Brandy

Spending years running two active children, from sporting event to the next with her husband Doug, inherently has set the stage for Brandy’s business philosophy… proactive communication for a seamless transaction.

Why? Because “your clients deserve a pleasant experience.”

Aside from offering over 24 years of title/escrow and real estate experience, Brandy enjoys spending time outdoors with her husband on their farm or out and about exploring on horseback.

Brandy Oliver-Fuller

Senior Escrow Officer
503-966-6026
Brandy.Oliver-Fuller@TicorTitle.com
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Sales Team

Heather L. Smith
AVP/Salem Sales Executive
Heather.L.Smith@ticortitle.com
503-302-1346
Maeghan Angel
Salem Sales Executive
Maeghan.Angel@ticortitle.com
503-856-2897
Stacy Lund
Polk County and Silverton Sales Executive
Stacy.Lund@ticortitle.com
503-602-0468
Leslie Banke
Yamhill County Sales Executive
Leslie.Banke@ticortitle.com
503-586-8548
Carol Hahn
Linn & Benton County Sales Executive
Carol.Hahn@ticortitle.com
541-926-2111
Rhiannon Downs
Linn & Benton County Sales Executive
Rhiannon.Downs@ticortitle.com
541-760-3456
Cheryl Summers
AVP
Mid-Valley Commercial Sales Executive
Cheryl.Summers@ticortitle.com
541-908-6080
Tim Ciulla

Yamhill County Manager
Tim.Ciulla@ticortitle.com
503-472-6101

Laura Piatt
AVP
Mid-Valley Sales Manager
Laura.Piatt@ticortitle.com
971-701-1719
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Protect Your Property Rights With Owner’s Title Insurance

Protect Your Property Rights With Owner’s Title Insurance

Each year, approximately 20% of homebuyers fail to protect themselves by not getting owner’s title insurance. Unfortunately, this leaves them exposed to serious financial risk—causing endless worry and regret.

If you’re thinking of buying a home, here’s what you need to know to protect yourself and your property rights, so you can rest assured once you’ve purchased your home.

Looking For Potential Threats

During the home-closing process, your title professional will help transition the home from the seller to you, the homebuyer, by examining public records. Generally, if a problem is discovered, the title professional works to resolve them before you purchase the home.

However, even after a title search is performed and you purchase your home, problems could arise that threaten your ownership rights. Examples include:

  • Undiscovered tax liens
  • Forged signatures in the chain of title
  • Recording errors
  • Undisclosed easements
  • Title claims by missing heirs* or ex-spouses

Getting owner’s title insurance protects your property rights from threats like these. Here’s a real-life example of how it works.

True Story

A family in Missouri unknowingly purchased their home from a seller who had taken out a separate $419,000 loan on the property. But this fact was not discovered during the closing process, and the family’s lender paid the seller directly instead of paying off the existing loan.

Soon, the family faced foreclosure because someone else had claim against their title. Fortunately, the family had owner’s title insurance. So the title company paid the debt and the family kept their home—and peace of mind.

This story has a positive ending, but without owner’s title insurance, the family could have faced serious costs, and even eviction.

Protect Yourself

There are two types of title insurance: lender’s title insurance and owner’s title insurance.

Lender’s title insurance is required by most lenders and banks because it protects their loan investments. Usually, you purchase this policy as the homebuyer. If you only have a lender’s policy, where the outstanding loan is covered, your equity is not protected. Therefore, you could have your property rights taken away if someone else has claim to your home.

Owner’s title insurance is the policy that protects your property rights from legal and financial threats like those mentioned in the story you just read. That’s why millions of homebuyers each year make the smart decision to get owner’s title insurance. It’s a low, one-time fee that provides the peace of mind that every homebuyer deserves, for as long as you or your family* own your home. In many areas, the seller purchases the policy for you. Ask your title professional how it’s handled in your area.

Support and Free Information

To buy your home with confidence, you need to work with a trusted title professional. They’re the experts who will help you throughout the home closing process. They will also advise you on how to protect your property rights and avoid costly problems by getting owner’s title insurance.

For more information, please contact us.

*This article offers a brief description of insurance coverages, products and services and is meant for informational purposes only. Actual coverages may vary by state, company or locality. You may not be eligible for all of the insurance products, coverages or services described in this article. For exact terms, conditions, exclusions, and limitations, please contact a Ticor Title representative.

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