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Navigating through a Real Estate transaction can be an exciting and also a stressful time. We respect you for your decision to hire a Real Estate Agent to assist with the process. Included in this book are details about this home and information about the local neighborhood, including:

 Property Information  School Information  Neighborhood Profile  Area Information  Title & Escrow

TICOR TITLE CUSTOMER RESOURCE CENTER 503.219.1000 │ ticor.resource@ticortitle.com │ www.ticortitleportland.com DISCLAIMER: This report is provided "as is" without warranty of any kind, either express or implied, including without limitations any warrantees of merchantability or fitness for a particular purpose. There is no representation of warranty that this information is complete or free from error, and the provider does not assume, and expressly disclaims, any liability to any person or entity for loss or damage caused by errors or omissions in this report. The information contained in the report is delivered to you from Ticor Title Company and is obtained from sources deemed reliable, but is not guaranteed and is subject to verification by consumer.


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7 Reasons Why Every Homebuyer Needs Owner’s Title Insurance Buying a home is an exciting and emotional time for many people. To help you buy your home with more confidence, make sure you get owner’s title insurance. Here’s why it’s so important for you:

1. Protects Your Largest Investment A home is probably the single largest investment you will make in your life. You insure everything else that’s valuable to you—your life, car, health, pets, etc., so why not your largest investment? For a one-time fee, owner’s title insurance protects your property rights for as long as you own your home.

2. Reduces Your Risk If you’re buying a home, there are many hidden issues that may pop up only after you purchase your home. Getting an owner’s title insurance policy is the best way to protect yourself from unforeseen legal and financial title discrepancies. Don’t think it will happen to you? Think again. Unexpected title claims include: • outstanding mortgages and judgments, or a lien against the property because the seller has not paid his taxes • pending legal action against the property that could affect you • an unknown heir of a previous owner who is claiming ownership of the property

3. You Can’t Beat The Value Owner’s title insurance is a one-time fee that’s very low relative to the value it provides. It typically costs around 0.5% of the home’s purchase price.

4. Covers You As long as you own your home, owner’s title insurance protects your property rights.

5. Nothing Compares Homeowners insurance and warranties protect only the structure and belongings of your home. Getting owner’s title insurance ensures your family’s property rights stay protected.

6. 8 in 10 Homebuyers Agree Each year, more than 80% of America’s home buyers choose to get owner’s title insurance.

7. Peace of Mind If you’re buying a home, owner’s title insurance lets you rest assured, knowing that you’re protected from inheriting most existing debts or legal problems, once you’ve closed on your new home.

Your settlement agent will assist you throughout your real estate transaction to bring it to a successful closing. For more information visit our website at:

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ESCROW PROCESS 12-STEPS TO CLOSING Escrow is an arrangement in which a neutral third party (escrow agent) takes instruction from buyer and seller to process documentation and handle funds in the real estate transactions. The chart below is meant to be a general overview of the process. Individual transaction steps may vary.

1 12

INTRO SELLER BUYER/BORROWER CONTACT

SUCCESSFUL CLOSING

11

Congratulations on a successful closing!

2

INSTRUCTIONS TO OPEN ESCROW

Escrow opens order when instructions are received.

RECORD & DISBURSE FUNDS Title issues policy to owner and lender

Call/email Consumer to introduce the closing team & review closing process

3 TITLE INSURANCE

• Commitment issued • Examination completed • Title ordered

4

10 FINAL LENDER REVIEW & FUNDING

• Liens • Mortgages • Taxes

Lender wires funds to escrow

9

• Seller / Borrower sign closing docs • Borrower signed docs back to lender

SIGNING APPOINTMENTS Send to all parties for approval

8 ESTIMATED SETTLEMENT STATEMENT

Provide status updates via email as needed

Request documents from lender TRID Waiting Period

7

PROCESS FILE & CLEAR TITLE

5 STATUS UPDATES

Per lender instructions

6 PREPARE LEGAL DOCUMENTS

CONFIRM CLOSING DATES

REMEMBER TO SPECIFY TICOR TITLE ON YOUR NEXT TRANSACTION!

© 2016 Ticor Title Company (03/18)


KEYS TO A SUCCESSFUL CLOSING TIPS FOR A SMOOTHER ESCROW TRANSACTION

Closing on a home can be an exciting and stressful process all at the same time. With so many potential speed bumps it’s important we make your closing flow as smooth as possible. At Ticor we believe one of the easiest ways to accomplish this is by educating buyers and sellers as they prepare for the big day. In particular we’d like to highlight some of the simple steps a buyer/ seller can take to expedite the process. We call these steps the “Keys to a Successful Closing”.

BUYERS AND SELLERS • Provide your escrow officer with your phone number & email. • Confirm with your agent that all contingencies have been satisfied. • Keep your agent informed of any vacation or travel plans or times you will be unavailable. • If you plan to have your documents reviewed by an attorney, please notify your escrow officer at least 48 hours prior to signing.

SELLERS Gather the following and deliver to your Escrow Officer: • Your forwarding address. • Any existing payoff information. • Identify leased equipment. • Homeowner Association information. • Utilities (if they are to be paid out of escrow.) • Judgment/Liens • Any name changes since vesting

BUYERS • Notify your escrow officer the names of your lender and homeowner insurance companies. • Verify with your loan officer that all conditions have been met.

BEFORE YOUR SIGNING APPOINTMENT • Plan to sign at the escrow company one or two business days before the closing date. • Expect the signing to last approximately one hour if you are the buyer and 30 minutes if you are the seller • Have two pieces of valid ID (one being photo ID) available at your signing appointment: Driver’s License, State ID, Passport, or Green Card. • If funds are required to close, be prepared to bring the monies in the form of a cashier’s check or wire transfer. These funds need to be received by the Escrow office 24 hours in advance of the recording/closing date indicated on your Purchase and Sale Agreement.

© 2017 Ticor Title Company (03/17)


WIRE FRAUD PREVENTION TIPS

Wire fraud has become a daily occurrence in our industry. Realtors®, Real Estate Brokers, Buyers and Sellers are targets for wire fraud and many have lost hundreds of thousands of dollars because they wired funds based on wire instructions received via email.

Common Wire Fraud Schemes A hacker can break into a licensee’s email account to obtain information about upcoming real estate transactions. After monitoring the account to determine the likely timing of a close, the hacker sends an email to the buyer, posing either as the escrow agent or as the licensee. The fraudulent email may contain new wiring instructions or routing information, and request that the Buyer send funds accordingly. They could just as easily send an e-mail to the escrow agent posing as a Seller or a Real Estate Broker instructing the escrow agent to wire seller funds to different account rather than to the account provided at the signing.

Be Alert Below are the procedures we have implemented at Ticor Title to keep our clients’ information and money safe and secure. We have also provided some tips on what a client should look for. We encourage you to pass them along to your client so they are aware of the wire fraud scams plaguing our industry.

1. Ticor Title will not accept disbursement instructions or changes to disbursement instructions via e-mail. Should a circumstance arise that requires disbursement instructions be sent via e-mail we will always contact the client to confirm the information received using a preverified phone number. 2. If we are instructed to e-mail wire instructions to a Broker or a Buyer or Seller they are always sent using encrypted e-mail. 3. If your client receives wire instructions via e-mail instruct them to ALWAYS follow up with a phone call to their escrow closer before they wire funds. 4. Pay attention to the wording of an email requesting funds. Many fraudsters are “offshore” offenders and their sentence structure may be broken and may contain misspelled words or improper grammar. 5. Beware of e-mail spoofing. E-mail spoofing is the forgery of an e-mail address so that the message appears to have originated from someone other than the actual source. For instance, you could receive an e-mail that you believe originated from your Escrow Closer or Broker because the e-mail address is the same as theirs. However, if you click on the e-mail address it will disclose the true e-mail address of the originator. E-mail Spoofing is a common tactic used in wire fraud campaigns and if you are not familiar with the tactic you are very likely to follow the instructions contained in the e-mail, believing they came from the proper party. 6. Be wary of a sudden or urgent request for funds that were not anticipated or required as part of the transaction. Examples include a request for an additional earnest money deposit or extension fee that was not part of the purchase agreement.

ALWAYS CALL BEFORE YOU WIRE. When in doubt, always call our office or your escrow officer.


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13817 SE Main St  

Bev Blume

13817 SE Main St  

Bev Blume