National Builder Services

NATIONAL BUILDER SERVICES

ABOUT US WHO IS WFG?

NATIONAL BUILDER SERVICES

WFG’s National Builder Services division offers comprehensive title and closing services –including both direct and agency services — for regional and national residential builders. The division’s leadership team has extensive experience handling title and closing services for new home sales and devotes individualized care and attention to each purchase transaction in order to facilitate a smooth and timely closing.

CORPORATE OVERVIEW

A Williston Financial Group Company, WFG National Title Insurance Company is one of just six truly national underwriters. We achieved this nationwide footprint faster than any title insurance provider in history, and did so by applying an innovative philosophy to the traditional mortgage and real estate industry.

Our guiding principle and the first of WFG’s four Cornerstones is that “Everything We Do is Because of You.” This means working directly with clients to understand their unique business needs and creating solutions that support them with maximum effectiveness. In keeping with our second Cornerstone, we “Communicate, Collaborate and Co-exist” with clients to identify points of operational friction and opportunities for innovation so we can better serve their needs. We also help them enhance their profitability through our third Cornerstone, “Taking Time and Cost Out of the Real Estate Transaction.” From a support perspective, WFG’s team members adhere to our fourth Cornerstone and “Obsess About Service” every step of the way. This helps us ensure that we deliver an exceptional experience for clients, as well as their customers. It’s this focus on customer engagement and elevating the customer experience that truly characterizes WFG’s philosophy.

Because “Everything We Do is Because of You,” we’re committed to giving back to the communities in which we do business, as well as advancing home ownership. In keeping with this ideal, we’re proud to support the following local and national builder-oriented organizations:

From a financial perspective, WFG is debt-free and capitalized by Golden Gate Capital, a leading private equity firm with $15 billion in committed capital under management. We are among the most well-capitalized and financially stable underwriters in the industry, with more than 193 months of reserves and an A’ (A Prime Unsurpassed)1 Financial Stability Rating® from Demotech, Inc.

1 The most current Financial Stability Rating® must be verified by visting www.demotech.com

In keeping with WFG’s steadfast, companywide commitment to customer satisfaction, WFG’s National Builder Services team takes a client-centric approach to understanding the needs of each of its builder customers and uses this knowledge to create custom solutions that help deliver an exceptional homebuyer experience. wfgtitle.com

THE COMPANY

WFG is one of only six truly national title underwriters and achieved that faster than any other title underwriter in history. Why? Because we’re doing something different. We take a people-centered approach to a transaction-centered business. We’re here to make that process as simple, cost-effective, and secure as possible.

THE EXECUTIVE TEAM

EXPERIENCE & EXPERTISE

PATRICK F. STONE, Executive Chairman & Founder

Pat has enjoyed a lengthy career in real estate and real estate related services, including “C” officer positions with three public companies and as a director on two Fortune 500 Boards. His senior executive management positions included nine years as President and COO of the nation’s largest title insurance company, Chairman and Co-CEO of a software company, and CEO of a real estate data and information company.

Pat has served as Vice-Chairman of Metrocities Mortgage, a 2005 top twenty mortgage lender, and as Chairman of The Stone Group, an Austin, Texas-based tenant-rep brokerage company. He has served on the boards of Fidelity National Financial, First American Corporation, FNIS, MicroGeneral, SKLD, World Minerals, Green Street Advisors, DigitalMap, Homegain, RedVision, Wystein Capital and Inman News, who named him one of 2013’s “100 Most Influential People in Real Estate” and as one of the “Top 101 Real Estate Industry Doers” in 2015 and again in 2021. Other accolades include receiving Housing Wire’s coveted Vanguard Award in 2019 and again in 2021, Progress in Lending’s “Lending Luminary Award” in 2019 and 2020, and October Research’s annual “Leadership Award” in 2020.

Currently, Pat serves as Executive Chairman and Founder of Williston Financial Group, as well as on the boards of Nassau Reinsurance, Transmodus, and Trysting Tree Golf Club.

Pat’s Philanthropic involvement has included service as Chairman of the Santa Barbara Art Museum and as a Director of the Portland Art Museum. He is a past chairman of the Oregon State University Foundation, and Co-Chair of its Billion Dollar Capital Campaign.

STEVE OZONIAN, President & CEO

Steve is a leader in the real estate and mortgage industry and his career has been well-chronicled. Over the course of his career, he has engineered the dramatic growth of multiple real estate related businesses. Prior to joining WFG, Steve was a Senior Executive at Chicago Title & Trust where he headed the real estate services segment, which acquired and sold thousands of homes a year. He also served as an Executive Vice President with Coldwell Banker where he helped build the company to 70,000 sales associates. Steve served as Chairman and CEO of Prudential Real Estate and Relocation Services and expanded annual sales volume to more than $200 billion.

Steve is perhaps best-known for building the world’s most successful real estate research portal during his time as CEO of REALTOR.com. Steve has also served Bank of America as its National Homeownership Executive.

Steve has served on the boards of LendingTree, Global Mobility Solutions, Realty Mogul and RealtyTrac, and also served for three years on WFG’s Board of Directors before being appointed President and Chief Operating Officer. wfgtitle.com

THE EXECUTIVE TEAM

EXPERIENCE & EXPERTISE

SHAUN GONZALES, Division President | National Builder Services

A veteran of more than 20 years in the builder title services industry, Shaun Gonzales joined WFG as Division President of WFG’s National Builder Services Division in 2022.

Early in his career, Shaun held positions as a top escrow officer/manager and a national process improvement director. Since 2012, he has served as National Vice President for a national title underwriter dedicated to the homebuilder space. During the span of Shaun’s career, he successfully led organizations during new home surges and significant market downturns. Shaun has continually focused on creating innovative technology products specifically for homebuilders, including pioneering digital closings with top builders across the country and developing departments for next-generation talent. Under Shaun’s leadership, WFG’s National Builder Services Division is well-positioned to provide escrow, title, and underwriting services with exceptional customer service to both regional and national homebuilders in all 50 states.

Shaun and his wife Sonia reside in Orange County, California with their two young sons, Sebastian and Skai.

MICHAEL T. GALLAHER, Chief Financial Officer

Mike Gallaher has more than 20 years of experience in the title insurance industry, having served in a range of financial management positions prior to joining WFG, including leadership roles with Fidelity National Financial, and most recently with United General Title Insurance Company and the First American Corporation. Prior to Fidelity, Mike was with KPMG as an Audit Manager in the company’s financial services sector.

Mike is a graduate of California State Polytechnic University, Pomona, and is a member of the American Institute of Certified Public Accountants and California Society of Certified Public Accountants.

THE EXECUTIVE TEAM

EXPERIENCE & EXPERTISE

JOSEPH V. MCCABE, Executive Vice President & General Counsel

Joe McCabe began his career in the title insurance industry more than 20 years ago with Fidelity National Title Insurance Company. While at Fidelity, Joe gained experience in a number of areas, including claims and litigation management, mergers and acquisitions, as well as corporate and regulatory compliance. Since leaving Fidelity in 1996, Joe has held the positions of General Counsel and President of other title insurance underwriters, most recently TransUnion National Title Insurance Company.

Joe is a graduate of University of the Pacific’s Mc George School of Law in Sacramento, California. He is currently an Executive Officer on the California Land Title Association’s Board of Governors.

ALAN FIELDS, Senior Vice President and Director of Underwriting Services

Initially trained as an examiner in 1977, Alan Fields has gained experience as a field surveyor, a title agent, an attorney practicing real estate and development law, Florida state counsel for a major title insurer, national Agency counsel for WFG, and executive director of the Florida Land Title Association. Alan brings all of these experiences and more to WFG and in service to our agents. Alan is a graduate of Davidson College in Davidson, North Carolina, where he earned a Bachelor’s in Economics, and the Florida State University College of Law. He is an active member of the executive council of the Real Property, Probate & Trust Law Section of the Florida Bar, is currently vice chairman of its Legislation and Foreclosure Reform committees, and is a fellow of the American College of Real Estate Lawyers. He has lectured and written extensively on real property and title issues, and taught Florida attorneys seeking board certification in real estate law for the last 25 years..

WFG is committed to maintaining customer confidentiality. As such, any non-public personal information (“NPI”) obtained on behalf of our customers is protected as follows:

• WFG restricts access to confidential information to only authorized individuals.

• WFG maintains physical, electronic, and procedural safeguards that protect confidential information.

• WFG does not disclose information about its current or former customers to anyone, except as permitted or required by law.

• WFG ensures the privacy of communications between its customers and WFG servers via encryption.

Because of the potential risk to WFG, its employees and customers, data loss and identity theft is of significant concern. WFG has adopted a Privacy Policy, administered by the Chief Information Security Officer who also serves as the Chief Privacy Officer, to help protect the company, its employees, customers and vendors from damage related to the loss or misuse of sensitive information. WFG makes every effort to comply with federal and state guidelines to protect personal employee, customer and vendor information, and requires employee training covering the proper handling of customer NPI.

WFG continually invests in and expands our cloud based technology infrastructure to allow for continued scalability, blistering performance, and industry leading data security protection.

As part of this investment, we’ve expanded our SOC/SSAE-18 certifications. WFG’s information security program is a unique differentiator that provides industry leading programs and technology. As we like to say, don’t just be secure - be WFG Secure.

THE PLAN STRATEGY & EXECUTION

We strive to keep our clients involved and informed through the entire process. Every project is treated as if it were our only project. We know how important it is to keep the process moving to minimize costs for our clients.

Here’s a short list of some of the major items we can provide:

Title Insurance for Commercial Land Acquisition, New Homes and Residential Properties WFG National Title Insurance Company (WFG NTIC) provides comprehensive title insurance services, including underwriting, closing, and recording services for all new home transaction types and participants. Policies are available for builders, lenders, and homebuyers, and provide protection against losses resulting from title-related issues.

Escrow and Closing Services for Commercial Land Acquisition, New Homes and Residential Properties

We offer comprehensive escrow and closing services for all your building-related needs, including land acquisition, construction loans, and new home sales. The only national underwriter to participate in the Net Promoter Scoring (NPS) program, WFG NTIC consistently ranks ‘world-class’ for customer satisfaction. This obsession with service excellence helps us ensure that your escrow transactions and closings run smoothly, and that your homebuyers have a delightful experience.

Builder Title Agency Services

To support builders with in-house title agencies, we offer outsourced production and back-office support services - including title search, examination, and title production services. By outsourcing operational support to WFG on an as-needed basis, you can better manage your margins by converting fixed operational costs to variable ones without sacrificing service levels.

Land Acquisition Support Services

WFG also provides land acquisition support services, including sale and purchase escrows and customized underwriting services. These services are available for residential developments as well as mixed-use projects. wfgtitle.com

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THE PLAN STRATEGY & EXECUTION

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Vetted National Notary Network

WFG manages a national network of signing agents who are well-versed in the nuances of builder and new home purchase transactions. Our comprehensive builder signing services include document signing, witness-only closings, notary state signings, and attorney signing services. Each of our signing network agents is vetted annually, including an annual background check, confirmation of E&O insurance coverage, validation of membership in the National Notary Association, and current licensing and Bar status, as required by state. Our signing agent scorecards and quality control ensure that only the best agents in our network are assigned to your transactions.

eClosing Solutions

WFG offers comprehensive eClosing solutions that enable you to conduct closings securely, compliantly, and with optimal efficiency. Requirements and availability vary by state.

WFG’s MyHome®

WFG’s MyHome® provides you and your clients with unparalleled transparency, real-time updates, and post-closing home information in a secure web environment. All this and more, right at your fingertips.