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Blog

Forbearance- Current & Title/ Escrow Perspective on Closings

At the time of writing this article, 4.1 million homeowners had requested a forbearance plan from their mortgage loan servicer. Under the Coronavirus Aid, Relief, and Economic Security Act, also known as the CARES Act, homeowners can suspend their mortgage payments if they have a federally backed mortgage.

Forbearance does not erase what the borrower owes. The borrower will have to repay any missed or reduced payments in the future. Borrowers able to keep up with their payments should continue to make payments. The types of forbearance available varies by loan type.

At the end of the forbearance, the borrower’s options can include paying their missed payments:

  • At one time
  • Spread out over a period of months
  • Added as additional payments, or
  • Added as a lump sum at the end of their mortgage

The CARES Act requires servicers to grant forbearance up to 180 days, with a one–time extension of 180 days for borrowers experiencing a hardship due to COVID–19 issues, such as, loss of income, unemployment, illness or caring for a sick relative.

The CARES Act also provides protection against derogatory marks against the borrower’s credit. However, the servicer can report notes to the credit bureau that can be seen by any future creditor that could prevent the borrower from obtaining any type of new financing for a 12–month period.

When the Federal Housing Finance Agency reports servicers who collect payments on mortgages backed by Fannie Mae and Freddie Mac, they will only be required to cover four months of missed payments on loans in forbearance.

The big question is what happens when that four–month period is over? As it turns out, the Government Sponsored Entities (GSEs) themselves are preparing to cover any remaining advances for as long as those loans remain in forbearance.

What does this mean to the title industry? To prevent payoff losses due to deferred payments, settlement agents should:

  • Ask borrowers if they have entered into a forbearance or loan modification agreement with their lender at the opening of the transaction
  • Review the preliminary report or commitment for title insurance for junior liens, securing the deferred payments
  • Ensure the payoff request includes the following language:
    • Please furnish to us a statement of the amount necessary to pay in full including any amounts deferred due to a forbearance or modification agreement.
      If the borrower entered into a forbearance agreement and you are not the entity servicing any deferred amounts, please provide the contact information for the entity who is.
  • Review the payoff statement for deferred principal balance amounts

The last item is important. If the deferred amounts are not contained in the payoff statements, it is likely the amounts are being serviced by another loan servicer and a separate payoff statement will need to be requested.

Article provided by contributing author:
Diana Hoffman, Corporate Escrow Administrator
Fidelity National Title Group
National Escrow Administration

Provisions for Seniors in real estate- Title & Legal Perspective

On 5/28/2020 we held a zoom training on titled Seniors and Real Estate. There are provisions set aside to help seniors in the real estate process, and many people are hungry for this information. In this talk we feature Marivel Zialcita of MMZ Law, Tom Bernath of Ticor Title, and of course myself.

Topics on this call include: (but are not limited too)

  • Importance of Vesting
  • Powers Of Attorney
  • Revokable Transfer on Death Deed
  • Conservatorships
  • Estate Plan
  • Impacts on Medical Benefits
  • Props 60/90/110
  • Prop 58

We hope you listen in and share this information with seniors that can benefit from this knowledge.

Linked below is also a copy of Marivel’s Powerpoint:

Seniors and Real Estate

341 W. 1st St.
Suite 100,
Claremont, CA 91711
909-256-6702
info@mmzlawyer.com

 

Ultimately, it all comes down to service. “When someone calls, they will get a response in minutes. If I’m in a meeting, my phone forwards to Victoria, and she will respond. It’s important to me that when somebody calls, somebody answers. I never take for granted that good relationships are based on communication. If we don’t know what you want and when you need it, we can’t exceed your expectations. And we are relentless with follow-up. When there is a challenge, we typically get things worked out. We know how to find creative solutions to get the file closed while safeguarding the parties.”

Ryan’s peers have the highest praise for him and his team. One summed up: “Since meeting and starting to work with Ryan, I have had nothing but great service. I have not opened a title order with any other title rep for about 8 years now. There just is no reason. Ryan is always available and treats me like his only client. I highly recommend using Ryan for all title orders. He is a great connection to other services, as well, and makes himself a valuable resource. Give him a try and you won’t have to worry about title anymore.”

Ryan’s priorities in life are faith, family and business, and his values are reflected in the way he serves both clients and community. He is a founder of the West End Real Estate Professionals (WEREP), a group that meets

weekly to elevate the real estate profession. Inspired by the 9-11 tragedy, Ryan also founded Operation Community Cares, a nonprofit organization that sends thousands of care packages each year to deployed service people.

“In 2012, I unexpectedly lost my father and it was a huge reminder as to how precious life and time truly is. As a result, I run my business by design. I live, work, eat, sleep and breath the community we live in,” Ryan says, “and I’m extremely involved in my kids’ lives. After losing my father, the concept of legacy rang through my mind allowing him to live on and how others would view me. I love the quote that people won’t always remember what you did, but they’ll remember how you made them feel. So I make it my goal to do my best in every situation, and hope that others can say this about their interactions with me. My mission is to help others succeed, and in turn, I am hoping we can grow our businesses together!”

Ryan J. Orr –

Vice President

Ticor Title
4120 Concours, Suite 400 Ontario, CA 91764

Tel: 909-767-0718
Email: ryanjorr7@gmail.com

Web: www.TeamTitleGuy.com

Interview with Real Estate Attorney Stephen Cho

Had a great time today chatting with Attorney Stephen Cho as to what is going on in todays climate as it pertains to the legal aspects.

In this complicated industry it is great to have friends, and strategic business partners to help navigate the ever changing roads. I am grateful to have known and worked with Stephen for years. He also serves as a Reserve Deputy Sherriff in LA County.

Listen in to hear: 

  • What to do
  • What to avoid
  • What to keep
  • Current Cases
  • When to speak
  • When to pass on
  • Strategic Business Partner
  1. Litigation
  2. Errors & Omissions
  3. Dual Agency
  4. Disclose. Disclose. Disclose
  5. and more…

Stephen Cho 

CKBVienna.com 

Cell 213-700-6653

SCho@ckbvienna.com

Nearly 20 years ago, Ryan J. Orr was signing documents to refinance his home, when the escrow officer asked him why he was wearing a suit. It happened that Ryan was a recent college graduate on his way to a career fair. “Let me get the sales manager,” the escrow officer said. Ryan was hired 30 days later, and he says he has never looked back.

Ryan dedicated himself to learning his craft, and his new career took off. “I knew I could get away with not knowing a lot to start, but I needed to invest in my career and be educated to know as much or more than my clients — or if I didn’t know something, I wanted the resources to know who to turn to. So, I joined chambers of commerce, went back to school and took real estate classes, and got involved with leadership in local professional associations. For me, it became very personal, very quick.”

Taking a cue from his favorite sales trainer, Jeffrey Gitomer, who says that business cards are boring, Ryan created an alter ego called “The Title Guy.” This part mild-mannered businessman, part super-hero persona also had a slogan: “Whether you sell, buy or refi — specify The Title Guy.”

Today, Ryan is the face of “Team Title Guy” at Ticor Title in Ontario, where he serves the West End of San Bernardino County. His inside support is 25-year industry veteran Victoria Rebello, and together, they hold their spot among the top 5-10 percent in the nation. “Victoria is service- and solutions-oriented with a bubbly personality. At the volume we’re running, without her it would be almost impossible to get everything done in a day. Making sure you have the right people in the right seats is imperative to success at a high level. Ideally, in the next year, my goal is to get to the top 2 percent in the nation.”

Ryan J. Orr 

Vice President

Ticor Title
4120 Concours, Suite 400 Ontario, CA 91764

Tel: 909-767-0718
Email: ryanjorr7@gmail.com

Web: www.TeamTitleGuy.com

 

Probate & RE from Title/Legal Perspective

Join us for a review, and or update on how Probate impacts the Real Estate Transaction.

Topics:

  • COVIDs impact
  • Hegstead Petition
  • Timelines
  • Letters Of Admin
  • Small Value Estate
  • When to get involved?
  • Legal Owners
  • Probate Sellers
  • Probate Referee
  • Notice Of Proposed Action

and so much more.

Speakers
Ryan J Orr: Ticor Title
Jason Gaudy: GaudyLaw.com  Law jason@gaudylaw.com 
Tom Bernath: Ticor Title Tom.Bernath@ticortitle.com

Click the Link Below for the Powerpoint

Gaudy Law Probate for Real Estate Pros

BK & Real Estate from Title & Legal Perspective

Join us for a conversation as to how BK impacts the Real Estate transaction from a Legal & Title Perspective
Topics On this Call

  • Ch 7 & 13
  • Cares Act Impact
  • BK Codes
  • Real Estate Matters
    • Order Of Avoidance
    • Personal vs Property
  • Timeframes
  • Will Title allow properties to sell while in BK
  • Early payoff
  • Automatic Stay(s)
  • What is needed to close
  • Benefits to BK
  • What is a homestead?

Speakers
Ryan J Orr
VP Ticor Title

Tom Bernath
VP/ SoCal Underwriter
Ticor Title

W. Derek May
Law Office of W. Derek May
400 N. Mountain Ave., Suite 215B
Upland, CA 91786
Phone: 909-920-0443
Fax: 909-912-8114
socalbankruptcy.net

 

Nearly 20 years ago, Ryan J. Orr was signing documents to refinance his home, when the escrow officer asked him why he was wearing a suit. It happened that Ryan was a recent college graduate on his way to a career fair. “Let me get the sales manager,” the escrow officer said. Ryan was hired 30 days later, and he says he has never looked back.

Ryan dedicated himself to learning his craft, and his new career took off. “I knew I could get away with not knowing a lot to start, but I needed to invest in my career and be educated to know as much or more than my clients — or if I didn’t know something, I wanted the resources to know who to turn to. So, I joined chambers of commerce, went back to school and took real estate classes, and got involved with leadership in local professional associations. For me, it became very personal, very quick.”

Taking a cue from his favorite sales trainer, Jeffrey Gitomer, who says that business cards are boring, Ryan created an alter ego called “The Title Guy.” This part mild-mannered businessman, part super-hero persona also had a slogan: “Whether you sell, buy or refi — specify The Title Guy.”

Today, Ryan is the face of “Team Title Guy” at Ticor Title in Ontario, where he serves the West End of San Bernardino County. His inside support is 25-year industry veteran Victoria Rebello, and together, they hold their spot among the top 5-10 percent in the nation. “Victoria is service- and solutions-oriented with a bubbly personality. At the volume we’re running, without her it would be almost impossible to get everything done in a day. Making sure you have the right people in the right seats is imperative to success at a high level. Ideally, in the next year, my goal is to get to the top 2 percent in the nation.”

 

Helping Others Succeed

Ultimately, it all comes down to service. “When someone calls, they will get a response in minutes. If I’m in a meeting, my phone forwards to Victoria, and she will respond. It’s important to me that when somebody calls, somebody answers. I never take for granted that good relationships are based on communication. If we don’t know what you want and when you need it, we can’t exceed your expectations. And we are relentless with follow-up. When there is a challenge, we typically get things worked out. We know how to find creative solutions to get the file closed while safeguarding the parties.”

Ryan’s peers have the highest praise for him and his team. One summed up: “Since meeting and starting to work with Ryan, I have had nothing but great service. I have not opened a title order with any other title rep for about 8 years now. There just is no reason. Ryan is always available and treats me like his only client. I highly recommend using Ryan for all title orders. He is a great connection to other services, as well, and makes himself a valuable resource. Give him a try and you won’t have to worry about title anymore.”

Ryan’s priorities in life are faith, family and business, and his values are reflected in the way he serves both clients and community. He is a founder of the West End Real Estate Professionals (WEREP), a group that meets

weekly to elevate the real estate profession. Inspired by the 9-11 tragedy, Ryan also founded Operation Community Cares, a nonprofit organization that sends thousands of care packages each year to deployed service people.

“In 2012, I unexpectedly lost my father and it was a huge reminder as to how precious life and time truly is. As a result, I run my business by design. I live, work, eat, sleep and breath the community we live in,” Ryan says, “and I’m extremely involved in my kids’ lives. After losing my father, the concept of legacy rang through my mind allowing him to live on and how others would view me. I love the quote that people won’t always remember what you did, but they’ll remember how you made them feel. So I make it my goal to do my best in every situation, and hope that others can say this about their interactions with me. My mission is to help others succeed, and in turn, I am hoping we can grow our businesses together!”

Ryan J. Orr –

Vice President

Ticor Title
4120 Concours, Suite 400 Ontario, CA 91764

Tel: 909-767-0718
Email: ryanjorr7@gmail.com

Web: www.TeamTitleGuy.com

Ryan says he aims to be a strategic partner for his clients, with a focus on education. “A big part is simply listening to a client and their goals, and then applying the right tools. I keep my finger on the pulse of what tools we have and how to leverage them. Most companies don’t take time to train people on their tools. We do a lot of training webinars, and I lead small groups in our Ontario office 8 to 10 times a year. We also host Meetings with Masters at Red Hill Country Club where we invite attorneys, as well, who are tied to the title and compliance market. I can also take training directly to a real estate office to train agents.”

Written by H. K. Wilson

As a Vice President for Ticor Title, I have been in the industry since 2002 & I have seen the best, & worst of markets. If have found it be imperative to lock in on our industry needs to be a true asset for our clients in varying capacities. Gone are the days of being able to be an order taker, or solely an entertainer! In our industry pricing and product does not separate us much, however, it is truly about a few key points, knowledge, professionalism, & sustainability!  It is imperative that we set ourselves apart, and that is what my team & I do.
Client First… 
Do what you say, and say what you do.
I have learned through the years that almost every file is unique, and that our transactions do not close in a vacuum. Having a solid team has been imperative to our continued success!

We are where our clients are, and focus on adding value to each and every transaction! We believe in getting involved in our professional associations and communities.  We add to extensive knowledge and resourcefulness to our X factor. At the end of the day, we are truly competing with ourselves

We believe that we can provide our clients insight & value that help us both win. We do this by saving time, money & closing more transactions. We believe that we are the best in the biz, we are an asset to all that work with and will in the future!

We are your resource for all things real estate related! NO QUESTION is too big or small!

Another key for us is training and education! Please know that we have monthly scheduled trainings, and we can do one on one, small group, and in-office training classes! Ask for a list of classes we can do for you and your team!

Conversation w Home Flippers & Hard Money Lenders

The times we are in demands we stay in the KNOW! This panel is a group of hard money lenders, and real estate investors breaking down talking points in todays market!

Topics on on this call: 

  • Rates
  • Hard Money Availability
  • ARV vs Current Value
  • Requirements
  • Wholesale/ Partner
  • Margins
  • Re-List
  • Education
  • Referrals
  • Forecast
  • Opportunities & Challenges

Speakers:

Anthony Patrick: New Harvest Ventures LLC: Anthony@NewHarvestVenturesllc.com

Ivan Oberon: Civic Financial Services Ivan.Oberon@civicfs.com

Susie Fuentes: Monterey Mortgage Susie@MontereyMtg.com

Fabi Badiola– Elite Premier Properties: fabib@elitepremierpropertiesinc.com

Juan Carlos Quiroz-Zolezzi Spinnaker Group Juan@SpinnakerLoans.com

Oscar Quiroz Spinnaker Group: Oscar@SpinnakerLoans.com

So much is changing in our marketplace and it’s great to have friends that are willing to share of themselves and how we can all win together!!! I hope you listen in, learn and grow!

 

Nearly 20 years ago, Ryan J. Orr was signing documents to refinance his home, when the escrow officer asked him why he was wearing a suit. It happened that Ryan was a recent college graduate on his way to a career fair. “Let me get the sales manager,” the escrow officer said. Ryan was hired 30 days later, and he says he has never looked back.

Ryan dedicated himself to learning his craft, and his new career took off. “I knew I could get away with not knowing a lot to start, but I needed to invest in my career and be educated to know as much or more than my clients — or if I didn’t know something, I wanted the resources to know who to turn to. So, I joined chambers of commerce, went back to school and took real estate classes, and got involved with leadership in local professional associations. For me, it became very personal, very quick.”

Taking a cue from his favorite sales trainer, Jeffrey Gitomer, who says that business cards are boring, Ryan created an alter ego called “The Title Guy.” This part mild-mannered businessman, part super-hero persona also had a slogan: “Whether you sell, buy or refi — specify The Title Guy.”

Today, Ryan is the face of “Team Title Guy” at Ticor Title in Ontario, where he serves the West End of San Bernardino County. His inside support is 25-year industry veteran Victoria Rebello, and together, they hold their spot among the top 5-10 percent in the nation. “Victoria is service- and solutions-oriented with a bubbly personality. At the volume we’re running, without her it would be almost impossible to get everything done in a day. Making sure you have the right people in the right seats is imperative to success at a high level. Ideally, in the next year, my goal is to get to the top 2 percent in the nation.”

 

Helping Others Succeed

Ultimately, it all comes down to service. “When someone calls, they will get a response in minutes. If I’m in a meeting, my phone forwards to Victoria, and she will respond. It’s important to me that when somebody calls, somebody answers. I never take for granted that good relationships are based on communication. If we don’t know what you want and when you need it, we can’t exceed your expectations. And we are relentless with follow-up. When there is a challenge, we typically get things worked out. We know how to find creative solutions to get the file closed while safeguarding the parties.”

Ryan’s peers have the highest praise for him and his team. One summed up: “Since meeting and starting to work with Ryan, I have had nothing but great service. I have not opened a title order with any other title rep for about 8 years now. There just is no reason. Ryan is always available and treats me like his only client. I highly recommend using Ryan for all title orders. He is a great connection to other services, as well, and makes himself a valuable resource. Give him a try and you won’t have to worry about title anymore.”

Ryan’s priorities in life are faith, family and business, and his values are reflected in the way he serves both clients and community. He is a founder of the West End Real Estate Professionals (WEREP), a group that meets

weekly to elevate the real estate profession. Inspired by the 9-11 tragedy, Ryan also founded Operation Community Cares, a nonprofit organization that sends thousands of care packages each year to deployed service people.

“In 2012, I unexpectedly lost my father and it was a huge reminder as to how precious life and time truly is. As a result, I run my business by design. I live, work, eat, sleep and breath the community we live in,” Ryan says, “and I’m extremely involved in my kids’ lives. After losing my father, the concept of legacy rang through my mind allowing him to live on and how others would view me. I love the quote that people won’t always remember what you did, but they’ll remember how you made them feel. So I make it my goal to do my best in every situation, and hope that others can say this about their interactions with me. My mission is to help others succeed, and in turn, I am hoping we can grow our businesses together!”

Ryan J. Orr –

Vice President

Ticor Title
4120 Concours, Suite 400 Ontario, CA 91764

Tel: 909-767-0718
Email: ryanjorr7@gmail.com

Web: www.TeamTitleGuy.com

Ryan says he aims to be a strategic partner for his clients, with a focus on education. “A big part is simply listening to a client and their goals, and then applying the right tools. I keep my finger on the pulse of what tools we have and how to leverage them. Most companies don’t take time to train people on their tools. We do a lot of training webinars, and I lead small groups in our Ontario office 8 to 10 times a year. We also host Meetings with Masters at Red Hill Country Club where we invite attorneys, as well, who are tied to the title and compliance market. I can also take training directly to a real estate office to train agents.”

Written by H. K. Wilson

As a Vice President for Ticor Title, I have been in the industry since 2002 & I have seen the best, & worst of markets. If have found it be imperative to lock in on our industry needs to be a true asset for our clients in varying capacities. Gone are the days of being able to be an order taker, or solely an entertainer! In our industry pricing and product does not separate us much, however, it is truly about a few key points, knowledge, professionalism, & sustainability!  It is imperative that we set ourselves apart, and that is what my team & I do.
Client First… 
Do what you say, and say what you do.
I have learned through the years that almost every file is unique, and that our transactions do not close in a vacuum. Having a solid team has been imperative to our continued success!

We are where our clients are, and focus on adding value to each and every transaction! We believe in getting involved in our professional associations and communities.  We add to extensive knowledge and resourcefulness to our X factor. At the end of the day, we are truly competing with ourselves

We believe that we can provide our clients insight & value that help us both win. We do this by saving time, money & closing more transactions. We believe that we are the best in the biz, we are an asset to all that work with and will in the future!

We are your resource for all things real estate related! NO QUESTION is too big or small!

Another key for us is training and education! Please know that we have monthly scheduled trainings, and we can do one on one, small group, and in-office training classes! Ask for a list of classes we can do for you and your team!

Helping Others Succeed

Ultimately, it all comes down to service. “When someone calls, they will get a response in minutes. If I’m in a meeting, my phone forwards to Victoria, and she will respond. It’s important to me that when somebody calls, somebody answers. I never take for granted that good relationships are based on communication. If we don’t know what you want and when you need it, we can’t exceed your expectations. And we are relentless with follow-up. When there is a challenge, we typically get things worked out. We know how to find creative solutions to get the file closed while safeguarding the parties.”

Ryan’s peers have the highest praise for him and his team. One summed up: “Since meeting and starting to work with Ryan, I have had nothing but great service. I have not opened a title order with any other title rep for about 8 years now. There just is no reason. Ryan is always available and treats me like his only client. I highly recommend using Ryan for all title orders. He is a great connection to other services, as well, and makes himself a valuable resource. Give him a try and you won’t have to worry about title anymore.”

Ryan’s priorities in life are faith, family and business, and his values are reflected in the way he serves both clients and community. He is a founder of the West End Real Estate Professionals (WEREP), a group that meets

weekly to elevate the real estate profession. Inspired by the 9-11 tragedy, Ryan also founded Operation Community Cares, a nonprofit organization that sends thousands of care packages each year to deployed service people.

“In 2012, I unexpectedly lost my father and it was a huge reminder as to how precious life and time truly is. As a result, I run my business by design. I live, work, eat, sleep and breath the community we live in,” Ryan says, “and I’m extremely involved in my kids’ lives. After losing my father, the concept of legacy rang through my mind allowing him to live on and how others would view me. I love the quote that people won’t always remember what you did, but they’ll remember how you made them feel. So I make it my goal to do my best in every situation, and hope that others can say this about their interactions with me. My mission is to help others succeed, and in turn, I am hoping we can grow our businesses together!”

Ryan J. Orr –

Vice President

Ticor Title
4120 Concours, Suite 400 Ontario, CA 91764

Tel: 909-767-0718
Email: ryanjorr7@gmail.com

Web: www.TeamTitleGuy.com

Ryan says he aims to be a strategic partner for his clients, with a focus on education. “A big part is simply listening to a client and their goals, and then applying the right tools. I keep my finger on the pulse of what tools we have and how to leverage them. Most companies don’t take time to train people on their tools. We do a lot of training webinars, and I lead small groups in our Ontario office 8 to 10 times a year. We also host Meetings with Masters at Red Hill Country Club where we invite attorneys, as well, who are tied to the title and compliance market. I can also take training directly to a real estate office to train agents.”

Written by H. K. Wilson

As a Vice President for Ticor Title, I have been in the industry since 2002 & I have seen the best, & worst of markets. If have found it be imperative to lock in on our industry needs to be a true asset for our clients in varying capacities. Gone are the days of being able to be an order taker, or solely an entertainer! In our industry pricing and product does not separate us much, however, it is truly about a few key points, knowledge, professionalism, & sustainability!  It is imperative that we set ourselves apart, and that is what my team & I do.
Client First… 
Do what you say, and say what you do.
I have learned through the years that almost every file is unique, and that our transactions do not close in a vacuum. Having a solid team has been imperative to our continued success!

We are where our clients are, and focus on adding value to each and every transaction! We believe in getting involved in our professional associations and communities.  We add to extensive knowledge and resourcefulness to our X factor. At the end of the day, we are truly competing with ourselves

We believe that we can provide our clients insight & value that help us both win. We do this by saving time, money & closing more transactions. We believe that we are the best in the biz, we are an asset to all that work with and will in the future!

We are your resource for all things real estate related! NO QUESTION is too big or small!

Another key for us is training and education! Please know that we have monthly scheduled trainings, and we can do one on one, small group, and in-office training classes! Ask for a list of classes we can do for you and your team!

Nearly 20 years ago, Ryan J. Orr was signing documents to refinance his home, when the escrow officer asked him why he was wearing a suit. It happened that Ryan was a recent college graduate on his way to a career fair. “Let me get the sales manager,” the escrow officer said. Ryan was hired 30 days later, and he says he has never looked back.

Ryan dedicated himself to learning his craft, and his new career took off. “I knew I could get away with not knowing a lot to start, but I needed to invest in my career and be educated to know as much or more than my clients — or if I didn’t know something, I wanted the resources to know who to turn to. So, I joined chambers of commerce, went back to school and took real estate classes, and got involved with leadership in local professional associations. For me, it became very personal, very quick.”

Taking a cue from his favorite sales trainer, Jeffrey Gitomer, who says that business cards are boring, Ryan created an alter ego called “The Title Guy.” This part mild-mannered businessman, part super-hero persona also had a slogan: “Whether you sell, buy or refi — specify The Title Guy.”

Today, Ryan is the face of “Team Title Guy” at Ticor Title in Ontario, where he serves the West End of San Bernardino County. His inside support is 25-year industry veteran Victoria Rebello, and together, they hold their spot among the top 5-10 percent in the nation. “Victoria is service- and solutions-oriented with a bubbly personality. At the volume we’re running, without her it would be almost impossible to get everything done in a day. Making sure you have the right people in the right seats is imperative to success at a high level. Ideally, in the next year, my goal is to get to the top 2 percent in the nation.”

 

Helping Others Succeed

Ultimately, it all comes down to service. “When someone calls, they will get a response in minutes. If I’m in a meeting, my phone forwards to Victoria, and she will respond. It’s important to me that when somebody calls, somebody answers. I never take for granted that good relationships are based on communication. If we don’t know what you want and when you need it, we can’t exceed your expectations. And we are relentless with follow-up. When there is a challenge, we typically get things worked out. We know how to find creative solutions to get the file closed while safeguarding the parties.”

Ryan’s peers have the highest praise for him and his team. One summed up: “Since meeting and starting to work with Ryan, I have had nothing but great service. I have not opened a title order with any other title rep for about 8 years now. There just is no reason. Ryan is always available and treats me like his only client. I highly recommend using Ryan for all title orders. He is a great connection to other services, as well, and makes himself a valuable resource. Give him a try and you won’t have to worry about title anymore.”

Ryan’s priorities in life are faith, family and business, and his values are reflected in the way he serves both clients and community. He is a founder of the West End Real Estate Professionals (WEREP), a group that meets

weekly to elevate the real estate profession. Inspired by the 9-11 tragedy, Ryan also founded Operation Community Cares, a nonprofit organization that sends thousands of care packages each year to deployed service people.

“In 2012, I unexpectedly lost my father and it was a huge reminder as to how precious life and time truly is. As a result, I run my business by design. I live, work, eat, sleep and breath the community we live in,” Ryan says, “and I’m extremely involved in my kids’ lives. After losing my father, the concept of legacy rang through my mind allowing him to live on and how others would view me. I love the quote that people won’t always remember what you did, but they’ll remember how you made them feel. So I make it my goal to do my best in every situation, and hope that others can say this about their interactions with me. My mission is to help others succeed, and in turn, I am hoping we can grow our businesses together!”

Ryan J. Orr –

Vice President

Ticor Title
4120 Concours, Suite 400 Ontario, CA 91764

Tel: 909-767-0718
Email: ryanjorr7@gmail.com

Web: www.TeamTitleGuy.com

Ryan says he aims to be a strategic partner for his clients, with a focus on education. “A big part is simply listening to a client and their goals, and then applying the right tools. I keep my finger on the pulse of what tools we have and how to leverage them. Most companies don’t take time to train people on their tools. We do a lot of training webinars, and I lead small groups in our Ontario office 8 to 10 times a year. We also host Meetings with Masters at Red Hill Country Club where we invite attorneys, as well, who are tied to the title and compliance market. I can also take training directly to a real estate office to train agents.”

Written by H. K. Wilson

As a Vice President for Ticor Title, I have been in the industry since 2002 & I have seen the best, & worst of markets. If have found it be imperative to lock in on our industry needs to be a true asset for our clients in varying capacities. Gone are the days of being able to be an order taker, or solely an entertainer! In our industry pricing and product does not separate us much, however, it is truly about a few key points, knowledge, professionalism, & sustainability!  It is imperative that we set ourselves apart, and that is what my team & I do.
Client First… 
Do what you say, and say what you do.
I have learned through the years that almost every file is unique, and that our transactions do not close in a vacuum. Having a solid team has been imperative to our continued success!

We are where our clients are, and focus on adding value to each and every transaction! We believe in getting involved in our professional associations and communities.  We add to extensive knowledge and resourcefulness to our X factor. At the end of the day, we are truly competing with ourselves

We believe that we can provide our clients insight & value that help us both win. We do this by saving time, money & closing more transactions. We believe that we are the best in the biz, we are an asset to all that work with and will in the future!

We are your resource for all things real estate related! NO QUESTION is too big or small!

Another key for us is training and education! Please know that we have monthly scheduled trainings, and we can do one on one, small group, and in-office training classes! Ask for a list of classes we can do for you and your team!

Nearly 20 years ago, Ryan J. Orr was signing documents to refinance his home, when the escrow officer asked him why he was wearing a suit. It happened that Ryan was a recent college graduate on his way to a career fair. “Let me get the sales manager,” the escrow officer said. Ryan was hired 30 days later, and he says he has never looked back.

Ryan dedicated himself to learning his craft, and his new career took off. “I knew I could get away with not knowing a lot to start, but I needed to invest in my career and be educated to know as much or more than my clients — or if I didn’t know something, I wanted the resources to know who to turn to. So, I joined chambers of commerce, went back to school and took real estate classes, and got involved with leadership in local professional associations. For me, it became very personal, very quick.”

Taking a cue from his favorite sales trainer, Jeffrey Gitomer, who says that business cards are boring, Ryan created an alter ego called “The Title Guy.” This part mild-mannered businessman, part super-hero persona also had a slogan: “Whether you sell, buy or refi — specify The Title Guy.”

Today, Ryan is the face of “Team Title Guy” at Ticor Title in Ontario, where he serves the West End of San Bernardino County. His inside support is 25-year industry veteran Victoria Rebello, and together, they hold their spot among the top 5-10 percent in the nation. “Victoria is service- and solutions-oriented with a bubbly personality. At the volume we’re running, without her it would be almost impossible to get everything done in a day. Making sure you have the right people in the right seats is imperative to success at a high level. Ideally, in the next year, my goal is to get to the top 2 percent in the nation.”

 

Helping Others Succeed

Ultimately, it all comes down to service. “When someone calls, they will get a response in minutes. If I’m in a meeting, my phone forwards to Victoria, and she will respond. It’s important to me that when somebody calls, somebody answers. I never take for granted that good relationships are based on communication. If we don’t know what you want and when you need it, we can’t exceed your expectations. And we are relentless with follow-up. When there is a challenge, we typically get things worked out. We know how to find creative solutions to get the file closed while safeguarding the parties.”

Ryan’s peers have the highest praise for him and his team. One summed up: “Since meeting and starting to work with Ryan, I have had nothing but great service. I have not opened a title order with any other title rep for about 8 years now. There just is no reason. Ryan is always available and treats me like his only client. I highly recommend using Ryan for all title orders. He is a great connection to other services, as well, and makes himself a valuable resource. Give him a try and you won’t have to worry about title anymore.”

Ryan’s priorities in life are faith, family and business, and his values are reflected in the way he serves both clients and community. He is a founder of the West End Real Estate Professionals (WEREP), a group that meets

weekly to elevate the real estate profession. Inspired by the 9-11 tragedy, Ryan also founded Operation Community Cares, a nonprofit organization that sends thousands of care packages each year to deployed service people.

“In 2012, I unexpectedly lost my father and it was a huge reminder as to how precious life and time truly is. As a result, I run my business by design. I live, work, eat, sleep and breath the community we live in,” Ryan says, “and I’m extremely involved in my kids’ lives. After losing my father, the concept of legacy rang through my mind allowing him to live on and how others would view me. I love the quote that people won’t always remember what you did, but they’ll remember how you made them feel. So I make it my goal to do my best in every situation, and hope that others can say this about their interactions with me. My mission is to help others succeed, and in turn, I am hoping we can grow our businesses together!”

Ryan J. Orr –

Vice President

Ticor Title
4120 Concours, Suite 400 Ontario, CA 91764

Tel: 909-767-0718
Email: ryanjorr7@gmail.com

Web: www.TeamTitleGuy.com

Ryan says he aims to be a strategic partner for his clients, with a focus on education. “A big part is simply listening to a client and their goals, and then applying the right tools. I keep my finger on the pulse of what tools we have and how to leverage them. Most companies don’t take time to train people on their tools. We do a lot of training webinars, and I lead small groups in our Ontario office 8 to 10 times a year. We also host Meetings with Masters at Red Hill Country Club where we invite attorneys, as well, who are tied to the title and compliance market. I can also take training directly to a real estate office to train agents.”

Written by H. K. Wilson

As a Vice President for Ticor Title, I have been in the industry since 2002 & I have seen the best, & worst of markets. If have found it be imperative to lock in on our industry needs to be a true asset for our clients in varying capacities. Gone are the days of being able to be an order taker, or solely an entertainer! In our industry pricing and product does not separate us much, however, it is truly about a few key points, knowledge, professionalism, & sustainability!  It is imperative that we set ourselves apart, and that is what my team & I do.
Client First… 
Do what you say, and say what you do.
I have learned through the years that almost every file is unique, and that our transactions do not close in a vacuum. Having a solid team has been imperative to our continued success!

We are where our clients are, and focus on adding value to each and every transaction! We believe in getting involved in our professional associations and communities.  We add to extensive knowledge and resourcefulness to our X factor. At the end of the day, we are truly competing with ourselves

We believe that we can provide our clients insight & value that help us both win. We do this by saving time, money & closing more transactions. We believe that we are the best in the biz, we are an asset to all that work with and will in the future!

We are your resource for all things real estate related! NO QUESTION is too big or small!

Another key for us is training and education! Please know that we have monthly scheduled trainings, and we can do one on one, small group, and in-office training classes! Ask for a list of classes we can do for you and your team!

Nearly 20 years ago, Ryan J. Orr was signing documents to refinance his home, when the escrow officer asked him why he was wearing a suit. It happened that Ryan was a recent college graduate on his way to a career fair. “Let me get the sales manager,” the escrow officer said. Ryan was hired 30 days later, and he says he has never looked back.

Ryan dedicated himself to learning his craft, and his new career took off. “I knew I could get away with not knowing a lot to start, but I needed to invest in my career and be educated to know as much or more than my clients — or if I didn’t know something, I wanted the resources to know who to turn to. So, I joined chambers of commerce, went back to school and took real estate classes, and got involved with leadership in local professional associations. For me, it became very personal, very quick.”

Taking a cue from his favorite sales trainer, Jeffrey Gitomer, who says that business cards are boring, Ryan created an alter ego called “The Title Guy.” This part mild-mannered businessman, part super-hero persona also had a slogan: “Whether you sell, buy or refi — specify The Title Guy.”

Today, Ryan is the face of “Team Title Guy” at Ticor Title in Ontario, where he serves the West End of San Bernardino County. His inside support is 25-year industry veteran Victoria Rebello, and together, they hold their spot among the top 5-10 percent in the nation. “Victoria is service- and solutions-oriented with a bubbly personality. At the volume we’re running, without her it would be almost impossible to get everything done in a day. Making sure you have the right people in the right seats is imperative to success at a high level. Ideally, in the next year, my goal is to get to the top 2 percent in the nation.”

 

Helping Others Succeed

Ultimately, it all comes down to service. “When someone calls, they will get a response in minutes. If I’m in a meeting, my phone forwards to Victoria, and she will respond. It’s important to me that when somebody calls, somebody answers. I never take for granted that good relationships are based on communication. If we don’t know what you want and when you need it, we can’t exceed your expectations. And we are relentless with follow-up. When there is a challenge, we typically get things worked out. We know how to find creative solutions to get the file closed while safeguarding the parties.”

Ryan’s peers have the highest praise for him and his team. One summed up: “Since meeting and starting to work with Ryan, I have had nothing but great service. I have not opened a title order with any other title rep for about 8 years now. There just is no reason. Ryan is always available and treats me like his only client. I highly recommend using Ryan for all title orders. He is a great connection to other services, as well, and makes himself a valuable resource. Give him a try and you won’t have to worry about title anymore.”

Ryan’s priorities in life are faith, family and business, and his values are reflected in the way he serves both clients and community. He is a founder of the West End Real Estate Professionals (WEREP), a group that meets

weekly to elevate the real estate profession. Inspired by the 9-11 tragedy, Ryan also founded Operation Community Cares, a nonprofit organization that sends thousands of care packages each year to deployed service people.

“In 2012, I unexpectedly lost my father and it was a huge reminder as to how precious life and time truly is. As a result, I run my business by design. I live, work, eat, sleep and breath the community we live in,” Ryan says, “and I’m extremely involved in my kids’ lives. After losing my father, the concept of legacy rang through my mind allowing him to live on and how others would view me. I love the quote that people won’t always remember what you did, but they’ll remember how you made them feel. So I make it my goal to do my best in every situation, and hope that others can say this about their interactions with me. My mission is to help others succeed, and in turn, I am hoping we can grow our businesses together!”

Ryan J. Orr –

Vice President

Ticor Title
4120 Concours, Suite 400 Ontario, CA 91764

Tel: 909-767-0718
Email: ryanjorr7@gmail.com

Web: www.TeamTitleGuy.com

Ryan says he aims to be a strategic partner for his clients, with a focus on education. “A big part is simply listening to a client and their goals, and then applying the right tools. I keep my finger on the pulse of what tools we have and how to leverage them. Most companies don’t take time to train people on their tools. We do a lot of training webinars, and I lead small groups in our Ontario office 8 to 10 times a year. We also host Meetings with Masters at Red Hill Country Club where we invite attorneys, as well, who are tied to the title and compliance market. I can also take training directly to a real estate office to train agents.”

Written by H. K. Wilson

As a Vice President for Ticor Title, I have been in the industry since 2002 & I have seen the best, & worst of markets. If have found it be imperative to lock in on our industry needs to be a true asset for our clients in varying capacities. Gone are the days of being able to be an order taker, or solely an entertainer! In our industry pricing and product does not separate us much, however, it is truly about a few key points, knowledge, professionalism, & sustainability!  It is imperative that we set ourselves apart, and that is what my team & I do.
Client First… 
Do what you say, and say what you do.
I have learned through the years that almost every file is unique, and that our transactions do not close in a vacuum. Having a solid team has been imperative to our continued success!

We are where our clients are, and focus on adding value to each and every transaction! We believe in getting involved in our professional associations and communities.  We add to extensive knowledge and resourcefulness to our X factor. At the end of the day, we are truly competing with ourselves

We believe that we can provide our clients insight & value that help us both win. We do this by saving time, money & closing more transactions. We believe that we are the best in the biz, we are an asset to all that work with and will in the future!

We are your resource for all things real estate related! NO QUESTION is too big or small!

Another key for us is training and education! Please know that we have monthly scheduled trainings, and we can do one on one, small group, and in-office training classes! Ask for a list of classes we can do for you and your team!

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Yelp Reviews

Ticor Title
Ticor Title
4.6
Based on 21 Reviews
Yelp logo
Cody M.
Cody M.
2025-05-04 08:35:26
Ryan and the team at National Title are professional, efficient, and a pleasure to work with. Highly recommend this 5 star business! read more
Jimmie H.
Jimmie H.
2022-12-03 18:14:01
Ryan Orr is no longer at Stewart Title. The Stewart Office in Ontario is close. If you need Stewart Title please call Jimmie Herrick 9095449407. I have been... read more
Shereece M.
Shereece M.
2022-04-21 16:09:47
Ryan Orr is an amazing Title Representative!! I've been utilizing his services for well over 10 years! Not only is he professional, he's a person of... read more
Erick B.
Erick B.
2022-01-20 17:20:32
Ryan O. gets the job done! Take my word for it and contact him for all of your title needs! read more
Jerrico C.
Jerrico C.
2020-12-23 18:23:52
Common theme with this company seems to be that they help customers knowing fully well that they may not be part of a transaction. Ryan answered some... read more
Scott C.
Scott C.
2019-07-27 07:28:04
Thank you Ryan for going out of your way to help out on a challenging escrow this past Saturday. I was on Catalina for our week long Boy Scout camp and had... read more
Cecilia L.
Cecilia L.
2019-07-20 12:51:19
The worst escrow company to deal with in the USA. Worst customer service. The escrow and Title charges and fees are up to the heaven and as tall as the flag... read more

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