Foundation Title: September Newsletter

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A new office is now

Our commercial services welcomes commercial attorney, Casey Keller back “home”! Casey was in our Lexington, KY office a few years ago and she has circled back around We're so excited to have you back as a of

In the midst of our busy days, do you stop throughout the day and take care of yourself for a few minutes? Here are some tips to ensure success while maintaining a healthy self care routine

Emotional/Mental:

Close your eyes and take 10 deep breaths, walk outside to the mailbox for 5 minutes, or try keeping a daily gratitude journal

Intellectual:

Find a new podcast to listen to on your lunch break, make to do lists to help with your productivity, or organize your workplace so it speaks to your liking

Social:

Make time to meet someone new in your office, attend outside work social events, or do something nice for one of your teammates

Physical:

Every couple of hours take a 5 minute break walk the stairs, go outside and get some fresh air

Financial Health:

Explore your retirement options sign up for your 401K plan or research your investment options Try keeping a daily tracker so you can monitor your spending

Our Memphis office is relocating to their new location Congratulations you all!

These tips don’t take up much time but can have a big impact on your work/life balance

Weekly Motivational Cheerleaders Are Among Us Are You One of Them?

If you played sports in high school and or college, you know that on every team there is always that one, if you’re lucky two, players on your team that may not be the most valuable players on the court or on the field, but they are certainly the most inspirational players on the sidelines or in the locker room They cheer the loudest They take pleasure in watching their teammates score They take it personal when something happens to a member of their team or the coach They find ways to contribute even if it isn’t reflected on the scoreboard When cheerleaders are gone, their presence is missed in a big way

I am going to refer to these unsung heroes as cheerleaders. Cheerleaders don’t only exist in sports. They exist in business They exist in marriage They are friends and family. Some of them know you personally. Some of them have never met you Some are vocal, and some silently applaud from afar.

Have you ever hung around a football game after a loss? Pay close attention to the cheerleaders After a game, the cheer squad is either on the sideline cheering or they’re at the tunnel or bus greeting their player with smiles and chants as they return Win or lose, their job is to do one thing: cheer

You need to be the biggest cheerleader in your organization.

When I refer to cheering, I am not talking about yelling out chants like, “Be aggressive Be, Be, aggressive” Cheerleading, as I will define, is recognizing the hard work and the effort of those around you by praising them, thanking them, and congratulating them on their wins, no matter how small or large You can do this online, offline, individually, or in groups There are many different ways to honor someone’s hard work

Learn to celebrate others and be happy for them genuinely happy This can take some practice on your part

It takes a big person with a little ego to cheer on the successes of other people without being envious It's easy to fall into the "When will it be my turn?" trap Don’t beat yourself up for feeling that way We all have, but don’t stay in that mental place Focus on what you want Live there Celebrating someone else’s victory is no different than having that poster of your childhood hero plastered on your bedroom wall Cheering for your hero on the poster was effortless It didn’t matter that you didn’t have any of their skills, talents or superpowers That poster served as a reminder of who you wanted to become

Let the wins of those in your organization inspire and remind you of you want to become now

Employee Spotlight

Amanda Mitchell, Jr. Escrow Officer

Congratulations to Amanda Mitchell in the Memphis FTE branch for being nominated and awarded this month's employee spotlight! Here are a few words from her colleagues:

"Amanda is always ready to jump in and help when things get crazy. She is the definition of 'team player' She is always willing to go the extra mile to help someone in need. She values relationships and she has a servant’s heart She is always ready to collaborate on any project to ensure quality service" When asked to describe Amanda in three words, they were, "Efficient, thoughtful, and intelligent!"

Amanda Mitchell is a Jr Escrow Officer at the Memphis FTE branch A native of Florida, Amanda joined the Memphis team August 2021 She has previously held positions as a Photographer, Executive Assistant, Customer Service Supervisor, Assistant Account Manager, Resort Supervisor, and Wedding Planner

She thrives at maintaining the highest level of customer service Amanda hopes to bring consistent and positive interactions with clients and partnered agents, while working toward her goal of becoming an Escrow Officer In her spare time, she enjoys spending time with her son, watching Harry Potter, cheering on the Miami Hurricanes, and obsessing over everything Disney!

Congratulations again to Amanda for being awarded this month's employee spotlight, and thank you for all your hard work! We are blessed to have you as an asset to our team!

Branch Services Sporting College Colors

Sam McCahill’s "Closing Assistant"

Carrie Lacher in our Memphis office sponsored a golf

The folks in our M beginning of foot their favorite coll had a pizza party

Completing the “Policy to be Issued” of Section A:

To determine the type of policy (Loan: Short Form vs Long Form and Owners: Standard vs Homeowners)) that is appropriate for each property, you need to answer the following questions:

CAN I ISSUE AN ALTA HOMEOWNERS' ("EAGLE") OWNERS POLICY?

Is the property an improved, single one to four residence (including condominiums)?

If yes, please move to next question

If no, you must issue a Standard Owners Policy

Is the property a lot in a platted subdivision OR ten (10*) acres or less and described by precise angles and distances (ex: “Thence running S 45 deg 33’45” E for a distance of 2055 feet), unless otherwise approved by underwriting.

If yes, move on to the next question

If no, please issue a Standard Owners Policy

Is the property a new construction?

If YES, has there been a new “as built” survey done?

If yes, move on to the next question

If no, please issue a Standard Owners Policy

Is the insured a human being? (Note that Homeowners/Eagle short form policies may not be issued if the buyer is a corporation, partnership, LLC or other legal entity. Except they MAY be issued on a Trust if the Trustee is an individual)

If yes (and the buyer is NOT a corporation, partnership, LLC or other legal entity), move on to the next question.

If no, please issue a Standard Owners Policy

Is this a commercial property?

If YES, please issue a standard OP

ALTA SHORT FORM VS LONG FORM LOAN POLICIES:

Short Form policies are not for every loan transaction and CAN NOT be used on commercial loans, construction loans, private loans or seller financing

Short Form Loan Policies CAN be used IF:

The Lender’s closing instructions specifically allow it; The property is one to four family residential; The property is 5 acres or less;

Not a multi tract legal description (eg, Tract 1:, Tract 2, etc); There are no exclusions (eg, parcel out conveyances) in the legal description; The property has a street address; and If there are restrictive covenants, they MUST NOT contain reversionary or forfeiture language

*5 Acres or Less in Alabama Scrapbook

"How do I decide what "type" of title policy to issue?

The Franklin (Mallory Station) folks had a great turn out for their customer appreciation tailgate

The Athens & Huntsville Office