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Zoom Lender Panel: questions answered

Did you miss our panel?

Candid interview with Several Top Lenders in the Inland Empire and how they are overcoming hurdles in todays marketplace!

Lender Panel in Today’s Market: Facts & Fiction. #Mythbusters #DownPaymentAssistance #Rates #VerificationOfEmployement #FHA #SecondaryMarket #Appraisal #HELOC #Jumbo #CreditScores

Panelists

Brent Bruce
Staci Berry
Tom Bass
Vincent Roldan
Thomas Louisignau

 

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!

Zoom Meetings Weekly

Based on countless calls emails and touches we have found that there is a need and desire to connect. For the foreseeable future we will have zoom meetings at 8:30 am & 9:30 am with two different focuses.

RISE ABOVE:  Monday/ Wednesday/Friday

15-30 mins max focused on success stories, and how challenges are being overcome in todays markets. This is designed to have like minded individuals together, and RISE ABOVE the challenges!

Topic: Morning Motivations

Please click the link below to join the webinar:
https://us02web.zoom.us/j/84052737681?pwd=WlFLYTNwMjZqcWNaWnBxUWVZNEIxZz09

Password: 428065

Tool Review / Role Play / Tech 

1:30 Start Time  Monday – Friday

Please click the link below to join the webinar:
https://us02web.zoom.us/j/81745672304?pwd=Skc4T0xTaWVnemZEV0hOMEN1OHNZdz09

Password: 707863

Webinar ID: 817 4567 2304
Password: 707863

Ryan J. Orr

Ticor Title
Vice President
4120 Concours, Suite 400
Ontario, CA 91764
t: 909-767-0718

www.TeamTitleGuy.com
What we schedule gets done! Would you like to book time, and or training? Here is access to my calendar. LETS BOOK IT!
Customer Service
951-343-3809

5 Common Ways to Hold Title

A SINGLE INDIVIDUAL A person who is not married or a registered domestic partner. st specify that the property is “held as joint tenants, without right of survivorship”.

SEPARATE PROPERTY A person who is married or a registered domestic partner who holds title without a spouse or registered domestic partner. Ticor Title Company typically requires the non-participating spouse or registered domestic partner to execute a quit claim deed in order to relinquish their possible interest in the property.

COMMUNITY PROPERTY  defines community property as property “acquired after marriage or after registration of a state registered domestic partnership by either domestic partner or either husband or wife or both.”

TENANCY-IN-COMMON Two or more people have interests (not as community property or joint tenants) in the property. The individual interests do not need to be equal but the sum total of the interests must equal 100% (i.e. Fred Smith and unmarried man, as to an undivided 73% interest and Anne Jones, an unmarried woman, as to an undivided 27% interest). The interests of each tenant-in-common passes to his/her heir(s) at law upon death.

JOINT TENANCY Two or more people have equal interests in the property and the deed by which they take title must specify that the property is “held as joint tenants, without right of survivorship”. Unlike tenancies-in-common, when a co-owner dies, his or her ownership interest automatically passes to the other co-owners.

Vesting Flier 

Buying or Selling a home? Here is our guide to walk you though what to expect.

Here is a preview of our guide.

Click the image or here for a direct link to our Guide.

 

What is a Title Search?

Before issuing a policy of title insurance, the title company must

review the numerous public records concerning the property

being sold or financed. The purpose of this title search is to

identify and clear all problems before the new owner takes title

or the lender loans money.

Our research helps us to determine if there are any rights or

claims that may have an impact upon the title such as unpaid

taxes, unsatisfied mortgages, judgments, tax liens against the

current or past owners, easements, restrictions and court

actions. These recorded defects, liens, and encumbrances

are reported in a “preliminary report” to applicable parties.

Once reported, these matters can be accepted, resolved or

extinguished prior to the closing of the transaction. In addition,

you are protected against any recorded defects, liens or

encumbrances upon the title that are unreported to you and

which are within the coverage of the particular policy issued in

the transaction.

•

What Types of Policies Are There?

Protection against flaws and other claims is provided by the

title insurance policy which is issued after your transaction is

complete. Two types of policies are routinely issued at this

time: An “owner’s policy” which covers the home buyer for the

full amount paid for the property; and a “lender’s policy” which

covers the lending institution over the life of the loan. When

purchased at the same time, a substantial discount is given in

the combined cost of the two policies. Unlike other forms of

insurance, the title insurance policy requires only one moderate

premium for a policy to protect you or your heirs for as long

as you own the property. There are no renewal premiums or

expiration date.

•

How is Title Insurance Different Than Other Types of

Insurance?

With other types of casualty insurance such as auto, home,

health, and life, a person thinks of insurance in terms of future

loss due to the occurrence of some future event. For instance,

a party obtains automobile insurance in order to pay for future

loss occasioned by a future “fender bender” or theft of the car.

Title insurance is a unique form of insurance which provides

coverage for future claims or losses due to title defects which

are created by some past event (i.e. events prior to the

acquisition of the property).

Another difference is that most other types of insurance

charge ongoing fees (premiums) for continued coverage.

With title insurance, the original premium is the only cost as

long as the owner or heirs own the property. There are no

annual payments to keep the Owner’s Title Insurance Policy

in force. While some people balk at another “closing fee”,

title insurance is pretty reasonable considering the policy

could last a lifetime.

•

How Does a Title Insurance Policy Protect Against

Claims?

If a claim is made against the owner or lender, the title

insurance company protects the insured by:

1.

Defending the title, in court if necessary, at no cost to

owner/lender, and

2.

Bearing the cost of settling the case, if it proves valid,

in order to protect your title and maintain possession

of the property.

Each policy is a contract of “indemnity.” It agrees to assume

the responsibility for legal defense of title for any defect

covered under the policy’s terms and to reimburse for actual

financial losses up to the policy limits.

Please know that you can lean on us anytime, as we are here as a resource.

Ryan J. Orr

Ticor Title 

Vice President
4120 Concours, Suite 400
Ontario, CA 91764
t: 909-767-0718

www.TeamTitleGuy.com
What we schedule gets done! Would you like to book time, and or training? Here is access to my calendar. LETS BOOK IT!

Why Do You Need Title Insurance?

We Hope You Never Have a Title Claim With home ownership comes the need to protect the property against the past, as well as the future. Each successive owner brings the possibility of title challenges to the property. Title insurance protects a policyholder against challenges to rightful ownership of real property, challenges that arise from circumstances of past ownerships.

Here are 21 Reasons for Title Insurance:

1. A fire destroys only the house and improvements. The ground is left. A defective title may take away not only the house but also the land on which it stands. Title insurance protects you (as specified in the policy) against such loss.

2. A deed or mortgage in the chain of title may be a forgery.

3. A deed or a mortgage may have been signed by a person under age.

4. A deed or a mortgage may have been made by an incapacitated person or one otherwise incompetent.

5. A deed or a mortgage may have been made under a power of attorney after its termination and would, therefore, be void.

6. A deed or a mortgage may have been made by a person other than the owner, but with the same name as the owner.

7. The testator of a will might have had a child born after the execution of the will, a fact that would entitle the child to claim his or her share of the property.

8. A deed or mortgage may have been procured by fraud or duress.

9. Title transferred by an heir may be subject to a federal estate tax lien.

10. An heir or other person presumed dead may appear and recover the property or an interest therein.

11. A judgment or levy upon which the title is dependent may be void or voidable on account of some defect in the proceeding.

12. Title insurance covers attorneys’ fees and court costs.

13. Title insurance helps speed negotiations when you’re ready to sell or obtain a loan.

14. A deed or mortgage may be voidable because it was signed while the grantor was in bankruptcy.

15. There may be a defect in the recording of a document upon which your title is dependent.

16. Claims constantly arise due to marital status and validity of divorces. Only title insurance protects against claims made by non-existent or divorced “wives” or “husbands.”

17. Many lawyers, in giving an opinion on a title, protect their clients as well as themselves, by procuring title insurance.

18. By insuring the title, you can eliminate delays and technicalities when passing your title on to someone else.

19. Title insurance reimburses you for the amount of your covered losses.

20. Each title insurance policy we write is paid up, in full, by the first premium for as long as you or your heirs own the property.

21. Over the last 24 years, claims have risen dramatically.

My team and I are always here to support you, and answer any questions you may have. Know that you can lean on us anytime.

Ryan J. Orr

Ticor Title
Vice President
4120 Concours, Suite 400
Ontario, CA 91764
t: 909-767-0718

www.TeamTitleGuy.com
What we schedule gets done! Would you like to book time, and or training? Here is access to my calendar. LETS BOOK IT!

Seniors: Transferring property tax to new property!

Are you familiar with Prop 60/90/110?

What are propositions 60, 90 and 110? Propositions 60, 90, and 110 are constitutional amendments approved by the voters of California. They provide for the transfer of a property’s base year value from an existing residence to a replacement residence, under certain conditions, for qualified persons over the age of 55 or persons of any age who are severely and permanently disabled.

What are the conditions that need to be met in order to qualify for the exclusion?

1. Both properties must be located in the same county, unless the county in which the replacement residence is located has an ordinance that allows inter-county base year value transfers.

2. As of the date of transfer of the original property, the transferor (seller) or a spouse residing with the transferor must be at least 55 years of age, or be severely or permanently disabled.

3. At the time of sale, the original property must have been eligible for the Homeowners’ Exemption, or entitled to the Disabled Veterans’ Exemption.

4. Generally, the replacement dwelling must be of equal or lesser value than the original property.

5. The replacement dwelling must have been acquired or newly constructed within two years of (before or after) the sale of the original property.

6. The owner must file an application within three years following the purchase date or new construction completion date of the replacement property.

7. The original property must be subject to reappraisal at its current fair market value. Therefore, transfers of the original property that are excluded from reappraisal (e.g., most transfers between parents and children) will not qualify

I think that the sale of my residence may qualify for this benefit. How do I apply? You must file a claim with the assessor, who will determine if the transaction qualifies. Claim forms should be obtained from the assessor’s office in the county where the replacement property is located. How do I determine if the replacement property is of “equal or lesser value” than the original? It depends upon the timing of the purchase or completion of construction of the replacement property. In general, “equal or lesser value” means the fair market value of the replacement property does not exceed one of the following: 100 percent of the market value of the original property, if the replacement property is purchased or newly constructed before the original property is sold. 105 percent of the market value of the original property, if the replacement property is purchased or newly constructed within the first year after the original property is sold. 110 percent of the market value of the original property, if the replacement property is purchased or newly constructed within the second year after the original property is sold.

If the market value of my replacement dwelling slightly exceeds the “equal or lesser value” test compared to the market value of my original property, can I still receive partial benefit? No. Unless the replacement dwelling completely satisfies the “equal or lesser value” test, no benefit is available. Can a taxpayer apply for and receive the benefit of propositions 60/90/110 numerous times during the course of his/her lifetime? Generally, no. With one exception, only claimants who have not previously been granted this benefit are eligible. I was previously granted this benefit but have since become severely and permanently disabled. Can I apply for and receive the benefit of proposition 110? Proposition 110 creates an exception from the one-time-only limitation for any claimant who becomes severely and permanently disabled after having previously received a base year value transfer as a claimant over the age of 55 years. Thus, if a person over the age of 55 years transferred the base year value from an original property to a replacement dwelling and subsequently becomes disabled, then that person may now transfer his or her base year value a second time.

I would like to transfer my base year value to a replacement property Located in another county. Which Counties have adopted an ordinance to allow such transfers? Currently, each of the following seven counties has an ordinance implementing the intercounty base year value transfer provisions of section 69.5 of the Revenue and Taxation Code (Prop 90): Alameda, Orange, San Mateo, Ventura, Los Angeles, Riverside, San Diego, Santa Clara, El Dorado. If the replacement property is in a different county than the original property, only the replacement property (not the original property) must be located in one of these seven counties. If a county has an ordinance, it will accept a base year value transfer from any other county in California as long as all the requirements are met. What is the deadline for filing a claim? Generally, you must file your claim with the county assessor within three years of the acquisition or completion of construction of the replacement property.

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