Well, not everybody - but we are a title company that has broken the "Invisible Barrier"
and are known to the general public!
How is did this happen?
A few tips:
Be an original! If you do what your competition does, it only serves s a reminder of your competition, and you don’t want to remind everyone of your competition do you? Don’t copy.
Be original.
Be unique
Be so original that your name and services become “generic’’ to your business or service. For example: Kleenex, FedEx, and Velcro.
When Gateway Title comes up, I hear:”you help For Sale by Owners”.
When I started Gateway Title, Gateway Stadium was just completed and people thought we were part of the land acquisitions for the area. We weren’t, but the “Gateway Title” name was familiar to the public immediately. “Torchia Title”, “RT Group”, MRT Title Agency” would have meant nothing to the public “Gateway “did!
To push further, I let the members of the media know about us and our service to for sale by owners. That netted many calls and interviews from them because our service was so unique. I advertised directly to the public and escaped the circle of sameness marketing that everyone else in my industry did for years.
I’ve always said that real estate title insurance and escrow service is the “Rodney Dangerfield” of the real estate industry. Taking our uniqueness to the public through “Power Positioning” is what made it work! What makes you and your business original? What does your name or “tag” tells others about you do? Find your unique factor, be an original and power position yourself to win!
Next: Can you make the ordinary extraordinary?
Wednesday, December 29, 2010
Thursday, December 9, 2010
An Obituary printed in the London Times -
Today we mourn the passing of a beloved old friend, Common Sense, who has been with us for many years. No one knows for sure how old he was, since his birth records were long ago lost in bureaucratic red tape.
He will be remembered as having cultivated such valuable lessons as:
- Knowing when to come in out of the rain;
- Why the early bird gets the worm;
- Life isn't always fair; and
- Maybe it was my fault..
Common Sense lived by simple, sound financial policies (don't spend more than you can earn) and reliable strategies (adults, not children, are in charge). His health began to deteriorate rapidly when well-intentioned but overbearing regulations were set in place. Reports of a 6-year-old boy charged with sexual harassment for kissing a classmate; teens suspended from school for using mouthwash after lunch; and a teacher fired for reprimanding an unruly student, only worsened his condition.
Common Sense lost ground when parents attacked teachers for doing the job that they themselves had failed to do in disciplining their unruly children.
It declined even further when schools were required to get parental consent to administer sun lotion or an aspirin to a student; but could not inform parents when a student became pregnant and wanted to have an abortion.
Common Sense lost the will to live as the churches became businesses; and criminals received better treatment than their victims.
Common Sense took a beating when you couldn't defend yourself from a burglar in your own home and the burglar could sue you for assault.
Common Sense finally gave up the will to live, after a woman failed to realize that a steaming cup of coffee was hot. She spilled a little in her lap, and was promptly awarded a huge settlement.
Common Sense was preceded in death, by his parents, Truth and Trust, by his wife, Discretion, by his daughter, Responsibility, and by his son, Reason.
He is survived by his 4 stepbrothers:
I Know My Rights
I Want It Now
Someone Else Is To Blame
I'm A Victim
Not many attended his funeral because so few realized he was gone..
If you still remember him, pass this on. If not, join the majority and do nothing.
An Obituary printed in the London Times -
Today we mourn the passing of a beloved old friend, Common Sense, who has been with us for many years. No one knows for sure how old he was, since his birth records were long ago lost in bureaucratic red tape.
He will be remembered as having cultivated such valuable lessons as:
- Knowing when to come in out of the rain;
- Why the early bird gets the worm;
- Life isn't always fair; and
- Maybe it was my fault..
Common Sense lived by simple, sound financial policies (don't spend more than you can earn) and reliable strategies (adults, not children, are in charge). His health began to deteriorate rapidly when well-intentioned but overbearing regulations were set in place. Reports of a 6-year-old boy charged with sexual harassment for kissing a classmate; teens suspended from school for using mouthwash after lunch; and a teacher fired for reprimanding an unruly student, only worsened his condition.
Common Sense lost ground when parents attacked teachers for doing the job that they themselves had failed to do in disciplining their unruly children.
It declined even further when schools were required to get parental consent to administer sun lotion or an aspirin to a student; but could not inform parents when a student became pregnant and wanted to have an abortion.
Common Sense lost the will to live as the churches became businesses; and criminals received better treatment than their victims.
Common Sense took a beating when you couldn't defend yourself from a burglar in your own home and the burglar could sue you for assault.
Common Sense finally gave up the will to live, after a woman failed to realize that a steaming cup of coffee was hot. She spilled a little in her lap, and was promptly awarded a huge settlement.
Common Sense was preceded in death, by his parents, Truth and Trust, by his wife, Discretion, by his daughter, Responsibility, and by his son, Reason.
He is survived by his 4 stepbrothers:
I Know My Rights
I Want It Now
Someone Else Is To Blame
I'm A Victim
Not many attended his funeral because so few realized he was gone..
If you still remember him, pass this on. If not, join the majority and do nothing.
An Obituary printed in the London Times -
Wednesday, November 10, 2010
TITLE and ESCROW TRUE CONFESSION
I Just Don’t Understand Some People!
Last month we were involved with a seller who is highly respected in his industry.
(Obviously, not real estate)
He must be very accustomed to having everyone cater to him.
We did everything within our power to “Keep it Simple” for him as he “bullied” anyone in my company with whom he came in contact.
He invented his own rules and refused to cooperate so we could do our job.
He kept changing his appointment for signing (or didn’t come at all) He was four hours late the day he did finally show up, yelling and screaming at everyone!
He refused to listen when we explained the funding and disbursing of his sale and insisted it could be done his way. He made a fool of himself to his banker who had nothing to do with the disbursement of his funds.
He called me a litany of rude names because I could not legally do what he ordered.
He just gave us a scathing review – I’m not surprised but it still hurt.
I feel sorry for this man.
Why is he so bitter?
I wonder how many victims he leaves behind on his daily path.
I wonder if he knows any real joy in life.
Maybe someday he will know.
I just don’t understand how some people think!
Thank God, people such as him are in the minority.
Last month we were involved with a seller who is highly respected in his industry.
(Obviously, not real estate)
He must be very accustomed to having everyone cater to him.
We did everything within our power to “Keep it Simple” for him as he “bullied” anyone in my company with whom he came in contact.
He invented his own rules and refused to cooperate so we could do our job.
He kept changing his appointment for signing (or didn’t come at all) He was four hours late the day he did finally show up, yelling and screaming at everyone!
He refused to listen when we explained the funding and disbursing of his sale and insisted it could be done his way. He made a fool of himself to his banker who had nothing to do with the disbursement of his funds.
He called me a litany of rude names because I could not legally do what he ordered.
He just gave us a scathing review – I’m not surprised but it still hurt.
I feel sorry for this man.
Why is he so bitter?
I wonder how many victims he leaves behind on his daily path.
I wonder if he knows any real joy in life.
Maybe someday he will know.
I just don’t understand how some people think!
Thank God, people such as him are in the minority.
Friday, November 5, 2010
“Mr. Postman Bring me Some Mail”
Mail time is a popular time for us.
We look forward to reading the “report cards” our customers return to us after
we close their transaction.
The return rate is over 60% - that’s a very high percentage I’m told.
We all want to see our “grade”!
By far, they usually give us an “A” for Fantastic, a few check “B” for Above Average.
These marks are how we grade ourselves on the quality of care and service we give
our valued customers.
When there is anything less, we talk about why the customer feels this way.
Where did we fail in their eyes?
How did we mess up managing the moments of touch?
Excellent or not, the customer’s perception of doing business with Gateway Title is of
upmost importance to me and all of my staff, from answering the phones to disbursing the money.
Real Estate Title Customer’s Testimonials Are IMPORTANT to us
I’ve been asked why we post testimonials on Face book, the newsletter and
other publications. We send them out with our free real estate kit and on our email.
This title stuff is a very competitive business and, in general, most buyers and sellers don’t know
They can pick the title company, simply by calling they can get free quotes and support.
I have built this company on smart buyers and sellers who understand this and freely recommend us to others who buying, selling or refinancing.
Real Estate Title Customers referrals are GOLDEN!
I let you peek into our mail and learn what our customers say about us.
That’s why you’ll see a testimonial or two on everything I write.
I want the whole world to know how passionate we are about SUPER SERVICE
Mr. Postman, Bring Me More Mail!
The best thing about working with Gateway Title: "Ease of completing all the paper worl & having questions answered when ever we needed." - Anthony and Jennifer S. - Broadview Hts.
Mail time is a popular time for us.
We look forward to reading the “report cards” our customers return to us after
we close their transaction.
The return rate is over 60% - that’s a very high percentage I’m told.
We all want to see our “grade”!
By far, they usually give us an “A” for Fantastic, a few check “B” for Above Average.
These marks are how we grade ourselves on the quality of care and service we give
our valued customers.
When there is anything less, we talk about why the customer feels this way.
Where did we fail in their eyes?
How did we mess up managing the moments of touch?
Excellent or not, the customer’s perception of doing business with Gateway Title is of
upmost importance to me and all of my staff, from answering the phones to disbursing the money.
Real Estate Title Customer’s Testimonials Are IMPORTANT to us
I’ve been asked why we post testimonials on Face book, the newsletter and
other publications. We send them out with our free real estate kit and on our email.
This title stuff is a very competitive business and, in general, most buyers and sellers don’t know
They can pick the title company, simply by calling they can get free quotes and support.
I have built this company on smart buyers and sellers who understand this and freely recommend us to others who buying, selling or refinancing.
Real Estate Title Customers referrals are GOLDEN!
I let you peek into our mail and learn what our customers say about us.
That’s why you’ll see a testimonial or two on everything I write.
I want the whole world to know how passionate we are about SUPER SERVICE
Mr. Postman, Bring Me More Mail!
The best thing about working with Gateway Title: "Ease of completing all the paper worl & having questions answered when ever we needed." - Anthony and Jennifer S. - Broadview Hts.
Monday, October 25, 2010
Real Estate Actuality: THIS REAL ESTATE MARKET WON"T BEAT ME
Real Estate Actuality: THIS REAL ESTATE MARKET WON"T BEAT ME: "Title & Escrow. .. An Independent Agent Thinks Out Loud They must think I’m crazy. Why do I keep GATEWAY TITLE going when the “going” is..."
THIS REAL ESTATE MARKET WON"T BEAT ME
Title & Escrow. .. An Independent Agent Thinks Out Loud
They must think I’m crazy.
Why do I keep GATEWAY TITLE going when the “going” is so tough?
Why not retire and get out of this real estate mess that has dominated for the past 2 years?
Why put up with so many lenders and underwriter’s joint business ventures that attempt to steer customers away from me?
I do it because this is our family business and I’m not going to let “them” beat me!
I do it because I love the business.
I do it because I know we provide a wonderful, one of a kind, title and escrow services.
I do it because the industry needs honest, independent title agencies like GATEWAY.
I do it because our special sellers and buyers need us.
I do it because this is my dream.
I do it because I have earned the trust of consumers and I’ll never let them down.
I do it because of the referrals we get from prior customers – they keep us going!
I do it because this business is my PASSION .
I do it because I’ll never let “them” beat me!
I might be a little crazy …
But this is why I do it!
Rachel A. Torchia, Owner/President
GATEWAY TITLE
Brecksville, Ohio
They must think I’m crazy.
Why do I keep GATEWAY TITLE going when the “going” is so tough?
Why not retire and get out of this real estate mess that has dominated for the past 2 years?
Why put up with so many lenders and underwriter’s joint business ventures that attempt to steer customers away from me?
I do it because this is our family business and I’m not going to let “them” beat me!
I do it because I love the business.
I do it because I know we provide a wonderful, one of a kind, title and escrow services.
I do it because the industry needs honest, independent title agencies like GATEWAY.
I do it because our special sellers and buyers need us.
I do it because this is my dream.
I do it because I have earned the trust of consumers and I’ll never let them down.
I do it because of the referrals we get from prior customers – they keep us going!
I do it because this business is my PASSION .
I do it because I’ll never let “them” beat me!
I might be a little crazy …
But this is why I do it!
Rachel A. Torchia, Owner/President
GATEWAY TITLE
Brecksville, Ohio
Thursday, October 21, 2010
Selling Real Estate?
It only takes ONE!
This is the time of year that we find many sellers wanting to withdraw from the real estate market until next spring.
Why does this always happen?
Do you have any idea how many people buy homes in October, November and December?
I did. Did you?
Why would sellers take the chance of missing that buyer?
There are other good reasons to stay in the market
* The "lookers" are gone.
* Most who look, have already sold and the "need to buy" is critical.
* When they are out looking...they're serious!
* You have LESS competition!
It only takes one offer to buy. Why do sellers think they have to wait until spring?
Smart Sellers do NOT take their property off the market.
If you are selling, what have you decided to do?
Take it off the market or SELL IT?
This is the time of year that we find many sellers wanting to withdraw from the real estate market until next spring.
Why does this always happen?
Do you have any idea how many people buy homes in October, November and December?
I did. Did you?
Why would sellers take the chance of missing that buyer?
There are other good reasons to stay in the market
* The "lookers" are gone.
* Most who look, have already sold and the "need to buy" is critical.
* When they are out looking...they're serious!
* You have LESS competition!
It only takes one offer to buy. Why do sellers think they have to wait until spring?
Smart Sellers do NOT take their property off the market.
If you are selling, what have you decided to do?
Take it off the market or SELL IT?
Wednesday, October 13, 2010
All Are For Sale By Owner
I never cease to by amazed by the comments real estate sellers/buyers make concerning buying and selling their property.
Sellers: "I'm not going to give it away"
Buyers " I want to steal a property when it comes to selling price"
Where's the common sense?
It's an historical fact, that, when you "sell high" - you "buy high".
and then when you "buy low" - you also "sell low"
They run parallel.
Does this make sense so far?
So why are so many thinking they will be able to out smart the market and "sell high" and
"buy low"?
In my 30 years in the real estate industry, I can tell you that kind of a market does not exist!
It just doesn't happen that way.
Common sense tells us it's one or the other.
There can be a win-win in any type of market.
You may not get the price you want, but you also will pay less for the one you buying!
Remember in the olden days, you may have gotten a better price but you also paid more when you bought.
So you still win!
This really is a great time to enter the market as a Smart Seller/Wise buyer. Low interest rates are a real motivator and that's where you really come out a winner!
Sellers: "I'm not going to give it away"
Buyers " I want to steal a property when it comes to selling price"
Where's the common sense?
It's an historical fact, that, when you "sell high" - you "buy high".
and then when you "buy low" - you also "sell low"
They run parallel.
Does this make sense so far?
So why are so many thinking they will be able to out smart the market and "sell high" and
"buy low"?
In my 30 years in the real estate industry, I can tell you that kind of a market does not exist!
It just doesn't happen that way.
Common sense tells us it's one or the other.
There can be a win-win in any type of market.
You may not get the price you want, but you also will pay less for the one you buying!
Remember in the olden days, you may have gotten a better price but you also paid more when you bought.
So you still win!
This really is a great time to enter the market as a Smart Seller/Wise buyer. Low interest rates are a real motivator and that's where you really come out a winner!
Monday, October 11, 2010
Favorite Message To My Friends..
Some people come into our lives and quickly go.
Some people stay for a while, and give us a deeper understanding
of what is truly important in this life.
They teach our souls.
We gain strength from
the footprints they have left
on our hearts and
we will never be the same.
....Flavia
Some people stay for a while, and give us a deeper understanding
of what is truly important in this life.
They teach our souls.
We gain strength from
the footprints they have left
on our hearts and
we will never be the same.
....Flavia
Friday, October 8, 2010
ForSaleByOwner.com and Gatewaytitle.com - Winning Combination!
First Impressions Last for Just One Week
When you’re selling a house, you get one week to capture the interest of potential buyers. That’s it.
Longtime real estate journalist Mary Umberger recently reported that two recent studies in the U.S. and New Zealand came up with the same results: that an online listing captures four times as many views in its first week as it does a week later. After that, traffic to the listing, and buyer interest, fall off a cliff.
What does this mean to anxious sellers?
One thing: get it right the first time. There is no room to ‘test’ a price or update photos depicting a cleaner, brighter, less cluttered house. Serious househunters check every day for new listings. If yours does not appeal on the key elements – price, condition and location – they will move on and never look back.
There’s not much you can do about location. But you have full control over price and condition.
Price is the hardest to get right. Real estate agents tout their “market analysis,” which compares your house in size, condition and price to those that recently sold, and those that are currently on the market. It’s not hard to pull together this information on your own. Either way, this type of ‘market analysis’ lacks one vital component: it’s untested with lenders. That’s why ForSaleByOwner.com recommends that sellers always get an appraisal from a licensed appraiser. Appraisers work with lenders to independently validate the selling price of a house.
When you base your selling price on a current appraisal, you are aligning your price with what lenders are likely to accept. That dramatically increases your chance of getting an offer that a a lender will support with a mortgage. And that’s the end game of a strong first impression.
From: Forsalebyowner.com
Gateway Title is a preferred provider of Title and Escrow services to forsalebyowner.com customers
When you’re selling a house, you get one week to capture the interest of potential buyers. That’s it.
Longtime real estate journalist Mary Umberger recently reported that two recent studies in the U.S. and New Zealand came up with the same results: that an online listing captures four times as many views in its first week as it does a week later. After that, traffic to the listing, and buyer interest, fall off a cliff.
What does this mean to anxious sellers?
One thing: get it right the first time. There is no room to ‘test’ a price or update photos depicting a cleaner, brighter, less cluttered house. Serious househunters check every day for new listings. If yours does not appeal on the key elements – price, condition and location – they will move on and never look back.
There’s not much you can do about location. But you have full control over price and condition.
Price is the hardest to get right. Real estate agents tout their “market analysis,” which compares your house in size, condition and price to those that recently sold, and those that are currently on the market. It’s not hard to pull together this information on your own. Either way, this type of ‘market analysis’ lacks one vital component: it’s untested with lenders. That’s why ForSaleByOwner.com recommends that sellers always get an appraisal from a licensed appraiser. Appraisers work with lenders to independently validate the selling price of a house.
When you base your selling price on a current appraisal, you are aligning your price with what lenders are likely to accept. That dramatically increases your chance of getting an offer that a a lender will support with a mortgage. And that’s the end game of a strong first impression.
From: Forsalebyowner.com
Gateway Title is a preferred provider of Title and Escrow services to forsalebyowner.com customers
Thursday, October 7, 2010
Foreclosure Lawsuits Starting In Ohio
Just when we think we have a handle on what is happening, something new pops up to rock our world!
This article came to me via email today. It will affect many who are involved in a short sale from the buyers, sellers, Real estate agents, banks to the title company.
Attorney General Cordray Files Lawsuit Against GMAC Mortgage -10/6/2010
(CLEVELAND) — In a lawsuit filed today against GMAC Mortgage, LLC and its parent, Ally Financial Inc., Ohio Attorney General Richard Cordray accuses the loan servicer and its agents of filing fraudulent affidavits to mislead courts in hundreds of Ohio foreclosures.
"We know that as Ohioans were fighting to save their homes, this loan servicer benefited financially from the dire circumstances," said Cordray. "Instead of stepping up and assisting those at risk of losing their homes, it is clear that GMAC chose to compound the problem through fraudulent and unfair and deceptive practices."
According to the lawsuit filed today in Lucas County Common Pleas Court, GMAC and its employees committed fraud on Ohio consumers and Ohio courts by signing and filing hundreds of false affidavits in foreclosure cases. The fraud came to light after a GMAC employee, Jefferey Stephan of Sellersville, Pa., testified in a foreclosure case out of Maine that from 2006 to 2010, he signed thousands of affidavits without verifying the content.
Through the lawsuit, Cordray is asking the court to grant a preliminary and permanent injunction preventing GMAC/Ally from proceeding to foreclose in any pending Ohio case or allowing the property to be sold. Cordray is also asking for civil penalties of up to $25,000 for every violation of Ohio's Consumer Sales Practices Act and for consumer restitution.
As a result of similar reports regarding depositions taken by a JPMorgan Chase and Bank of America employees, Cordray today also requested that JPMorgan Chase and Bank of America suspend moving toward a judgment, sale, eviction or property transfer involving any foreclosure case with affidavits signed by those employees. Cordray also sent letters to Wells Fargo and Citibank, requesting that the banks meet with his office to discuss foreclosure affidavit procedures.
According to recent statistics from the Ohio Supreme Court, the wave of foreclosures in Ohio has shown no signs of receding. In the first half of this year, there have been 45,930 foreclosures in Ohio, which is ahead of last year's record-breaking pace. From 1995-2009, Ohio foreclosure filings quadrupled.
In July 2009, Cordray was the first attorney general in the nation to file a lawsuit against a loan servicer for violations of the state's consumer laws. His office currently has cases pending against three loan servicers: Carrington Mortgage Services LLC, American Home Mortgage Services Inc. and Barclays Capital Real Estate dba HomEq Servicing. Last month, a Montgomery County Common Pleas Judge affirmed Cordray's case against HomeEq by overruling the defendant's motion to dismiss which has cleared the way for Cordray's case to move forward.
Want to read the documents? See below:
To view today's lawsuit and exhibits, visit www.OhioAttorneyGeneral.gov/GMACLawsuit.
To view the letters sent to the national banks, visit www.OhioAttorneyGeneral.gov/GMACBankLetters.
To read Cordray's opening remarks at today's press conference, visit: www.OhioAttorneyGeneral.gov/GMACCordrayRemarks.
To view the latest foreclosure statistics from the Ohio Supreme Court, visit: www.OhioAttorneyGeneral.gov/SupremeCourtForeclosureStats.
To view a recent report on Ohio foreclosures from Policy Matters Ohio, visit: www.OhioAttorneyGeneral.gov/PolicyMattersForeclosureReport.
This article came to me via email today. It will affect many who are involved in a short sale from the buyers, sellers, Real estate agents, banks to the title company.
Attorney General Cordray Files Lawsuit Against GMAC Mortgage -10/6/2010
(CLEVELAND) — In a lawsuit filed today against GMAC Mortgage, LLC and its parent, Ally Financial Inc., Ohio Attorney General Richard Cordray accuses the loan servicer and its agents of filing fraudulent affidavits to mislead courts in hundreds of Ohio foreclosures.
"We know that as Ohioans were fighting to save their homes, this loan servicer benefited financially from the dire circumstances," said Cordray. "Instead of stepping up and assisting those at risk of losing their homes, it is clear that GMAC chose to compound the problem through fraudulent and unfair and deceptive practices."
According to the lawsuit filed today in Lucas County Common Pleas Court, GMAC and its employees committed fraud on Ohio consumers and Ohio courts by signing and filing hundreds of false affidavits in foreclosure cases. The fraud came to light after a GMAC employee, Jefferey Stephan of Sellersville, Pa., testified in a foreclosure case out of Maine that from 2006 to 2010, he signed thousands of affidavits without verifying the content.
Through the lawsuit, Cordray is asking the court to grant a preliminary and permanent injunction preventing GMAC/Ally from proceeding to foreclose in any pending Ohio case or allowing the property to be sold. Cordray is also asking for civil penalties of up to $25,000 for every violation of Ohio's Consumer Sales Practices Act and for consumer restitution.
As a result of similar reports regarding depositions taken by a JPMorgan Chase and Bank of America employees, Cordray today also requested that JPMorgan Chase and Bank of America suspend moving toward a judgment, sale, eviction or property transfer involving any foreclosure case with affidavits signed by those employees. Cordray also sent letters to Wells Fargo and Citibank, requesting that the banks meet with his office to discuss foreclosure affidavit procedures.
According to recent statistics from the Ohio Supreme Court, the wave of foreclosures in Ohio has shown no signs of receding. In the first half of this year, there have been 45,930 foreclosures in Ohio, which is ahead of last year's record-breaking pace. From 1995-2009, Ohio foreclosure filings quadrupled.
In July 2009, Cordray was the first attorney general in the nation to file a lawsuit against a loan servicer for violations of the state's consumer laws. His office currently has cases pending against three loan servicers: Carrington Mortgage Services LLC, American Home Mortgage Services Inc. and Barclays Capital Real Estate dba HomEq Servicing. Last month, a Montgomery County Common Pleas Judge affirmed Cordray's case against HomeEq by overruling the defendant's motion to dismiss which has cleared the way for Cordray's case to move forward.
Want to read the documents? See below:
To view today's lawsuit and exhibits, visit www.OhioAttorneyGeneral.gov/GMACLawsuit.
To view the letters sent to the national banks, visit www.OhioAttorneyGeneral.gov/GMACBankLetters.
To read Cordray's opening remarks at today's press conference, visit: www.OhioAttorneyGeneral.gov/GMACCordrayRemarks.
To view the latest foreclosure statistics from the Ohio Supreme Court, visit: www.OhioAttorneyGeneral.gov/SupremeCourtForeclosureStats.
To view a recent report on Ohio foreclosures from Policy Matters Ohio, visit: www.OhioAttorneyGeneral.gov/PolicyMattersForeclosureReport.
Tuesday, September 14, 2010
Smart Sellers Call Gateway - Sell Successfully!
Smart Start
Seeking sanity
Seriously Saves
Supportaive Staff
Stress less Situation
Successful Sale!
Gateway Title - Keeping Your Life Simple
Seeking sanity
Seriously Saves
Supportaive Staff
Stress less Situation
Successful Sale!
Gateway Title - Keeping Your Life Simple
Sellers Seeking Sanity
Saavy Sellers
Seek Sanity
Seriously Save by
Smart Starting title work
Supportive Staff +
Successful Sale!
Gateway Title < Tried and True
Seek Sanity
Seriously Save by
Smart Starting title work
Supportive Staff +
Successful Sale!
Gateway Title < Tried and True
Wednesday, August 25, 2010
A STINKY TITLE!
It seems most every one now a days is looking for ways to make and save money and when it comes to real estate, a lot of "stinky titles" are being created in the name of cutting the cost of buying/selling real property.
I hear: " It's a cheap property, only $15,000 and I don't want to pay any closing costs"
I say: "Do you have $15,000 to throw away?"
They say: "Of course not. Why?"
I say: "Because the title to this property may be encumbered more than $15,000 and if you accept a quit claim deed for acquiring this title, you will get the property PLUS all of the liens, taxes and encumbrances and do you know if it has an insurable marketable title history?"
They say" Oh my gosh!"
Most of the time, they decide to do it the "right "way with a title exam, escrow closing ET all and have peace of mind with the purchase...... and........
Sometimes, THEY DON"T! < good luck with that!
I hear: " It's a cheap property, only $15,000 and I don't want to pay any closing costs"
I say: "Do you have $15,000 to throw away?"
They say: "Of course not. Why?"
I say: "Because the title to this property may be encumbered more than $15,000 and if you accept a quit claim deed for acquiring this title, you will get the property PLUS all of the liens, taxes and encumbrances and do you know if it has an insurable marketable title history?"
They say" Oh my gosh!"
Most of the time, they decide to do it the "right "way with a title exam, escrow closing ET all and have peace of mind with the purchase...... and........
Sometimes, THEY DON"T! < good luck with that!
Friday, August 20, 2010
"Law of Attraction and Selling Real Estate"
When real estate exhaustion sets in and you are mentally exhausted, it's time to rethink your thinking!
If you say "it sucks" ....it sucks!
If you believe it won't sell, it probably won't sell!
So what do you really want? A BUYER!
What is your attitude and what do you say to people asking about your property?
You set the tone. If you give off "bad depressed vibes". they feel those "bad depressed vibes" = DEAL KILLER!
Rethink your thinking. Understand "Law of Attraction" It's not hocus pocus voodoo. It's plain commen sense.
Rid yourself of "stinkin' thinin'" The results will AMAZE you!
If you say "it sucks" ....it sucks!
If you believe it won't sell, it probably won't sell!
So what do you really want? A BUYER!
What is your attitude and what do you say to people asking about your property?
You set the tone. If you give off "bad depressed vibes". they feel those "bad depressed vibes" = DEAL KILLER!
Rethink your thinking. Understand "Law of Attraction" It's not hocus pocus voodoo. It's plain commen sense.
Rid yourself of "stinkin' thinin'" The results will AMAZE you!
Monday, August 16, 2010
Moving On With Real Estate Thought
Every day you choose whether you will stand in today and stare at yesterday, or stand in today and prepare for tomorrw... R. Flint.
Avoid real estate exhaustion by preparing for tomorrow, today!
Avoid real estate exhaustion by preparing for tomorrow, today!
Thursday, August 12, 2010
Sharing Email From An Old Friend Who Remembers
To Rachel:
An Obituary printed in the London Times –
Today we mourn the passing of a beloved old friend, COMMON SENSE, who has been with us for many years. No one knows for sure how old he was, since his birth records were long ago lost in bureaucratic red tape.
He will be remembered as having cultivated such valuable lessons as:
- Knowing when to come in out of the rain;
- Why the early bird gets the worm;
- Life isn't always fair; and
- Maybe it was my fault..
COMMON SENSE lived by simple, sound financial policies (don't spend more than you can earn) and reliable strategies (adults, not children, are in charge). His health began to deteriorate rapidly when well-intentioned but overbearing regulations were set in place. Reports of a 6-year-old boy charged with sexual harassment for kissing a classmate; teens suspended from school for using mouthwash after lunch; and a teacher fired for reprimanding an unruly student, only worsened his condition.
COMMON SENSE lost ground when parents attacked teachers for doing the job that they themselves had failed to do in disciplining their unruly children.
It declined even further when schools were required to get parental consent to administer sun lotion or an aspirin to a student; but could not inform parents when a student became pregnant and wanted to have an abortion.
COMMON SENSE lost the will to live as the churches became businesses; and criminals received better treatment than their victims.
COMMON SENSE took a beating when you couldn't defend yourself from a burglar in your own home and the burglar could sue you for assault.
COMMON SENSE finally gave up the will to live, after a woman failed to realize that a steaming cup of coffee was hot. She spilled a little in her lap, and was promptly awarded a huge settlement.
COMMON SENSE was preceded in death, by his parents, Truth and Trust, by his wife, Discretion, by his daughter, Responsibility, and by his son, Reason.
He is survived by his 4 stepbrothers:
I Know My Rights
I Want It Now
Someone Else Is To Blame
I'm A Victim
Not many attended his funeral because so few realized he was gone..
If you still remember him - share this. If not, join the majority and do nothing.
Deb
An Obituary printed in the London Times –
Today we mourn the passing of a beloved old friend, COMMON SENSE, who has been with us for many years. No one knows for sure how old he was, since his birth records were long ago lost in bureaucratic red tape.
He will be remembered as having cultivated such valuable lessons as:
- Knowing when to come in out of the rain;
- Why the early bird gets the worm;
- Life isn't always fair; and
- Maybe it was my fault..
COMMON SENSE lived by simple, sound financial policies (don't spend more than you can earn) and reliable strategies (adults, not children, are in charge). His health began to deteriorate rapidly when well-intentioned but overbearing regulations were set in place. Reports of a 6-year-old boy charged with sexual harassment for kissing a classmate; teens suspended from school for using mouthwash after lunch; and a teacher fired for reprimanding an unruly student, only worsened his condition.
COMMON SENSE lost ground when parents attacked teachers for doing the job that they themselves had failed to do in disciplining their unruly children.
It declined even further when schools were required to get parental consent to administer sun lotion or an aspirin to a student; but could not inform parents when a student became pregnant and wanted to have an abortion.
COMMON SENSE lost the will to live as the churches became businesses; and criminals received better treatment than their victims.
COMMON SENSE took a beating when you couldn't defend yourself from a burglar in your own home and the burglar could sue you for assault.
COMMON SENSE finally gave up the will to live, after a woman failed to realize that a steaming cup of coffee was hot. She spilled a little in her lap, and was promptly awarded a huge settlement.
COMMON SENSE was preceded in death, by his parents, Truth and Trust, by his wife, Discretion, by his daughter, Responsibility, and by his son, Reason.
He is survived by his 4 stepbrothers:
I Know My Rights
I Want It Now
Someone Else Is To Blame
I'm A Victim
Not many attended his funeral because so few realized he was gone..
If you still remember him - share this. If not, join the majority and do nothing.
Deb
FRAUD:Everything Old is NEW again!
EVERYTHING OLD IS NEW AGAIN!!
MORTGAGE FRAUD HEADLINES IN THE NEWS!
From a past posting ALMOST a year ago –September 2009....
Last Thursday morning, as I settled in to my cup of coffee and turned on the TV, I listened to the comments on Senator Ted Kennedy’s passing, the first day of school chatter and then WHAM! MORTGAGE FRAUD INDICTMENTS IN CLEVELAND!
I woke up very quickly and it had my full attention. This kind of news always gets my attention and it is too few and too far between.
I was familiar with some of the names mentioned. I think were are 35 people
indicted in this wave.
My title officer and I just shake our heads.
We have known for years this was happening. Our customers would want us to do the title work. We would look at the paper work and tell them what they were getting themselves into was a scam and we would have no part of it.
Within a week or two we would see on the records that another title company had “closed” it. We contacted local authorities to tell then what was happening.
It fell on deaf ears!
I think independent title agents are the “watch dogs “of the real estate industry. Most of this fraud would not have happened if the mortgage brokers did not own the title agency that looked the other way and closed them. This ownership is not illegal. Law permits them to be in the title business. It’s like hiring the fox to guard the chicken coop!
Consumers have the power to choose the title agency to handle their transaction. The role of the title agency is to insure the title and conduct the settlement as a “disinterested 3rd. party”.
We are respected for our ethics.
Our buyers and sellers close with "peace of mind"
I can’t imagine why consumers would want it any other way!
MORTGAGE FRAUD HEADLINES IN THE NEWS!
From a past posting ALMOST a year ago –September 2009....
Last Thursday morning, as I settled in to my cup of coffee and turned on the TV, I listened to the comments on Senator Ted Kennedy’s passing, the first day of school chatter and then WHAM! MORTGAGE FRAUD INDICTMENTS IN CLEVELAND!
I woke up very quickly and it had my full attention. This kind of news always gets my attention and it is too few and too far between.
I was familiar with some of the names mentioned. I think were are 35 people
indicted in this wave.
My title officer and I just shake our heads.
We have known for years this was happening. Our customers would want us to do the title work. We would look at the paper work and tell them what they were getting themselves into was a scam and we would have no part of it.
Within a week or two we would see on the records that another title company had “closed” it. We contacted local authorities to tell then what was happening.
It fell on deaf ears!
I think independent title agents are the “watch dogs “of the real estate industry. Most of this fraud would not have happened if the mortgage brokers did not own the title agency that looked the other way and closed them. This ownership is not illegal. Law permits them to be in the title business. It’s like hiring the fox to guard the chicken coop!
Consumers have the power to choose the title agency to handle their transaction. The role of the title agency is to insure the title and conduct the settlement as a “disinterested 3rd. party”.
We are respected for our ethics.
Our buyers and sellers close with "peace of mind"
I can’t imagine why consumers would want it any other way!
Friday, July 30, 2010
Listening is a Habit at GATEWAY TITLE
We are a "niche" title company that concentrates on working with "for sale by owner" buyers and sellers. It's our "niche" that has taught us patience, and caring in talking to consumers about their problems as they reach out for help from someone.We have become that "someone" buyers and sellers call to help solve problems.
Real Estate has really changed in the past three years. Appraisals coming in habitually low; buyers difficulty in getting loan approval; more sellers succeeding by owner selling to family members, neighbors, and friends of friends - (that's NOT a bad thing); Good Faith Estimates from lenders have importance; real estate agents spending less and less on paper advertising, more and more on free Internet advertising. Messed up titles more common; hard on sellers who have more problems than they knew.
More inquiries are now from buyers and sellers involved in short-sales looking for help!
A whole different real estate world out there!
This is just the way it is. We adjust and go on. Now, this is business as usual, the questions may be different than they were a few years ago but people don't change - They just want to know they matter and we will take time for them..... and we do!
Need help?
We can be reached at http://www.gatewaytitle.com/ / 440 546 9660
Real Estate has really changed in the past three years. Appraisals coming in habitually low; buyers difficulty in getting loan approval; more sellers succeeding by owner selling to family members, neighbors, and friends of friends - (that's NOT a bad thing); Good Faith Estimates from lenders have importance; real estate agents spending less and less on paper advertising, more and more on free Internet advertising. Messed up titles more common; hard on sellers who have more problems than they knew.
More inquiries are now from buyers and sellers involved in short-sales looking for help!
A whole different real estate world out there!
This is just the way it is. We adjust and go on. Now, this is business as usual, the questions may be different than they were a few years ago but people don't change - They just want to know they matter and we will take time for them..... and we do!
Need help?
We can be reached at http://www.gatewaytitle.com/ / 440 546 9660
Wednesday, July 28, 2010
Who has the "Right " to choose? YOU, the consumer, does!
INDEPENDENT TITLE AGENT SPEAKS OUT: HOW CAN A JOINT BUSINESS VENTURE TITLE AGENCY CONDUCT THEMSELVES AS A DISINTERESTED THIRD PARTY?
Hey you lender and real estate agent - Get out of my world!
Let the consumer exercise their right to choose.
"Rodney Dangerfield of Real Estate Industry"
WARNING: I GET SOMEWHAT PASSIONATE ABOUT THIS!
Remember the "no respect" guy, Rodney Dangerfield?
I've said for years that this is a fitting definition of the title industry.
We are the watch dogs of the American dream. We search, correct and insure the title to your real estate property. Most often, we are the escrow or closing agent who puts it all together following the written instructions on the contract and from the lender. We prepare the papers necessary and meet with you for signing. When all conditions are met, we literally transfer title from seller to buyer and record all mortgage documents. On your behalf, we make the required pay-offs,taxes and any other invoices submitted for items to be paid out of escrow.
The buyer gets the property and the seller gets the money, and we insure the Title! Usually everyone is happy.
We have an awesome responsibility and love what we do except we feel a little sad because very few consumers out there understand and respect how vital our role is in their transaction.
Did you know the consumer has the right to choose the title company they want, to fulfill that role?
Not the Lender. Not the real estate agent. YOU! You have the right to choose your own "disinterested third party" closing agent. Buyers and sellers agree on who will do title and escrow and that's who does it.
Period!
In the consumer's best interest, I wish agents, brokers and lenders would get out of the title business and stick to what they do best!
In many cases, the affiliate co-owned title agency has higher fees than an independent title agent because they are sharing the profit with the real estate broker or lender.
How is that better for the buyers and sellers?
Consumers, a little RESPECT Please, for your own title agent and the protection they provide for your American Dream!
Consumers do have a choice - educate!
Rachel's blog - www.realestateactuality.blogspot.com
Hey you lender and real estate agent - Get out of my world!
Let the consumer exercise their right to choose.
"Rodney Dangerfield of Real Estate Industry"
WARNING: I GET SOMEWHAT PASSIONATE ABOUT THIS!
Remember the "no respect" guy, Rodney Dangerfield?
I've said for years that this is a fitting definition of the title industry.
We are the watch dogs of the American dream. We search, correct and insure the title to your real estate property. Most often, we are the escrow or closing agent who puts it all together following the written instructions on the contract and from the lender. We prepare the papers necessary and meet with you for signing. When all conditions are met, we literally transfer title from seller to buyer and record all mortgage documents. On your behalf, we make the required pay-offs,taxes and any other invoices submitted for items to be paid out of escrow.
The buyer gets the property and the seller gets the money, and we insure the Title! Usually everyone is happy.
We have an awesome responsibility and love what we do except we feel a little sad because very few consumers out there understand and respect how vital our role is in their transaction.
Did you know the consumer has the right to choose the title company they want, to fulfill that role?
Not the Lender. Not the real estate agent. YOU! You have the right to choose your own "disinterested third party" closing agent. Buyers and sellers agree on who will do title and escrow and that's who does it.
Period!
In the consumer's best interest, I wish agents, brokers and lenders would get out of the title business and stick to what they do best!
In many cases, the affiliate co-owned title agency has higher fees than an independent title agent because they are sharing the profit with the real estate broker or lender.
How is that better for the buyers and sellers?
Consumers, a little RESPECT Please, for your own title agent and the protection they provide for your American Dream!
Consumers do have a choice - educate!
Rachel's blog - www.realestateactuality.blogspot.com
Tuesday, July 27, 2010
Real Estate Sales Exhaustion Rx
Keeping a POSITIVE OUTLOOK
There may be times when you feel like throwing in the towel and say "Out at any price!" You're not alone in these feelings but be aware that this is a psychological trap.
One of the most negative things you can do is to advertise you are a "highly motivated" seller.
Many very "savvy" buyers are taught to seek you out because you are exhausted and will accept any kind of low-ball offer, one that is far below the true value of your property.
You can be motivated to sell, but you don't want to appear "highly motivated" and attract what the industry sees as "bottom feeders". It's a fine line but knowing the difference is important.
Those buyers seek out sellers who have sales exhaustion.
Being aware that exhaustion DOES exist helps. Break out of the trap...
Consider other options:
Renting the house
Cleaning and painting (you never got around to doing)
Brainstorm with your agent
Unique promotions
Additional advertising
Discover realistic asking price
When things are the darkest, ask yourself this question:"Am I experiencing real estate sales exhaustion?"
If your answer is "yes" then it's time to start doing positive things and get back in the real market and
become a non-exhausted, Successful Seller!
There may be times when you feel like throwing in the towel and say "Out at any price!" You're not alone in these feelings but be aware that this is a psychological trap.
One of the most negative things you can do is to advertise you are a "highly motivated" seller.
Many very "savvy" buyers are taught to seek you out because you are exhausted and will accept any kind of low-ball offer, one that is far below the true value of your property.
You can be motivated to sell, but you don't want to appear "highly motivated" and attract what the industry sees as "bottom feeders". It's a fine line but knowing the difference is important.
Those buyers seek out sellers who have sales exhaustion.
Being aware that exhaustion DOES exist helps. Break out of the trap...
Consider other options:
Renting the house
Cleaning and painting (you never got around to doing)
Brainstorm with your agent
Unique promotions
Additional advertising
Discover realistic asking price
When things are the darkest, ask yourself this question:"Am I experiencing real estate sales exhaustion?"
If your answer is "yes" then it's time to start doing positive things and get back in the real market and
become a non-exhausted, Successful Seller!
Monday, July 26, 2010
What is Real Estate Sales Exhaustion?
Real estate sales exhaustion is a combination of despair and fatigue.It's effect is cumulative.Usually there is no one incident that causes it. There is a "straw that breaks the camel's back" that causes a seller to want to get out at any price!
It is a problem of desperation on the seller's part. Things seem to go from bad to worse, and it's easy to forget that any house can be sold. After a while, seller's think that they will never make it; and the property will be the one that goes all the way to zero in value
Many situations are often made even more urgent because of the seller's financial pressures.
Everything does not have to continue to be bleak. Don't get caught in this psychological trap!
There are ways to recover from real estate sales exhaustion starting with keeping a positive outlook and trust that the offer will come.. (I know you don't want to hear that - but it truly does help).
What else can a seller do to recover from real estate sales exhaustion?
It is a problem of desperation on the seller's part. Things seem to go from bad to worse, and it's easy to forget that any house can be sold. After a while, seller's think that they will never make it; and the property will be the one that goes all the way to zero in value
Many situations are often made even more urgent because of the seller's financial pressures.
Everything does not have to continue to be bleak. Don't get caught in this psychological trap!
There are ways to recover from real estate sales exhaustion starting with keeping a positive outlook and trust that the offer will come.. (I know you don't want to hear that - but it truly does help).
What else can a seller do to recover from real estate sales exhaustion?
Tuesday, July 20, 2010
Real Estate Workshop 7/21/2010
Renee is busy preparing for our July 21st. Wednesday workshop. We hold the workshop at our class room in our 8748 Brecksville Rd. location.
She tells me she has room for a couple of more sellers who want to learn more about the "ins and outs" of putting together a real estate transaction.
Lots of great information and there is no fee to attend.
Why do we do this?
Because the buyers and sellers have a right to choose the title company to insure and close their transaction and this helps us spread the news. A win/win for all!
We earn their trust and make new friends!
If You can be here at 6:30 - in case you're hungry, we have pizza, contact Renee@gatewaytitle.com or call her 440 546 9660. Be prepared to learn everything you wanted to know about selling and closing real estate sales, but were afraid to ask. You can ask us!
She tells me she has room for a couple of more sellers who want to learn more about the "ins and outs" of putting together a real estate transaction.
Lots of great information and there is no fee to attend.
Why do we do this?
Because the buyers and sellers have a right to choose the title company to insure and close their transaction and this helps us spread the news. A win/win for all!
We earn their trust and make new friends!
If You can be here at 6:30 - in case you're hungry, we have pizza, contact Renee@gatewaytitle.com or call her 440 546 9660. Be prepared to learn everything you wanted to know about selling and closing real estate sales, but were afraid to ask. You can ask us!
Monday, July 12, 2010
Old Realtors Never Die; They Just Become - Listless!
I've been in the real estate industry for many years. First as a Realtor, then I moved into the title end at the old Midland Title in Cleveland, w-a-a-a-y back in the 80's!
I've always been in the marketing side of title, and over the years have worked with tons of agents form many companies. I've been with Them through many changes and merges of companies. The celebration of promotions to management and the heart break of change.
We, in the industry, have all repeated: "Old Realtors Never Die, They just become listless" and we laughed!
There is something to that saying. Once you've been a Realtor, for most, it seems, real estate really never leaves your blood.
The highest complement I get is when I get a call from "a voice from the past" that turns out to be a retired agent who is selling their home or is looking for help for a friend or family member.They tell me they are calling Gateway Title for help because they trust me. It means so much to hear those words.
I love it when into them we meet by chance..it's old home week!
I volunteered to work at Ken Lanci's spot at the Broadview Hts. Home days this past week end and discovered many Realtor friends from Bishop, Century 21 DePeiro, Realty One. We caught up on the times. These are good people who had a passion for the business. Bless them always.
"Old Realtors never die; they just become listless"!
I've always been in the marketing side of title, and over the years have worked with tons of agents form many companies. I've been with Them through many changes and merges of companies. The celebration of promotions to management and the heart break of change.
We, in the industry, have all repeated: "Old Realtors Never Die, They just become listless" and we laughed!
There is something to that saying. Once you've been a Realtor, for most, it seems, real estate really never leaves your blood.
The highest complement I get is when I get a call from "a voice from the past" that turns out to be a retired agent who is selling their home or is looking for help for a friend or family member.They tell me they are calling Gateway Title for help because they trust me. It means so much to hear those words.
I love it when into them we meet by chance..it's old home week!
I volunteered to work at Ken Lanci's spot at the Broadview Hts. Home days this past week end and discovered many Realtor friends from Bishop, Century 21 DePeiro, Realty One. We caught up on the times. These are good people who had a passion for the business. Bless them always.
"Old Realtors never die; they just become listless"!
Sunday, July 11, 2010
Gateway Title Family Celebrates Life!
It's no secret,Gateway Title is a family business and this time last year, we were busy as a family, looking forward to Granddaughter Ashley's wedding to Joel.
Keeping all the plates spinning was a real challenge for everyone.
Here we are almost a year later, and now we celebrate new life...
Our family has been blessed with two new Babies is the past three weeks. Ashley and Joel have a beautiful son, baby Gage Robert - Michelle's new Grand baby.
Last week Suzy's oldest, Joey and his wife Lauren, gave us another precious Baby boy, also named Joseph.
Everyone is doing great!
In spite of everything else that is happening in the world outside, Life Goes On and LIFE IS GOOD!
Thank You God, for your blessings to our Family!
Rachel
Keeping all the plates spinning was a real challenge for everyone.
Here we are almost a year later, and now we celebrate new life...
Our family has been blessed with two new Babies is the past three weeks. Ashley and Joel have a beautiful son, baby Gage Robert - Michelle's new Grand baby.
Last week Suzy's oldest, Joey and his wife Lauren, gave us another precious Baby boy, also named Joseph.
Everyone is doing great!
In spite of everything else that is happening in the world outside, Life Goes On and LIFE IS GOOD!
Thank You God, for your blessings to our Family!
Rachel
Wednesday, July 7, 2010
Gateway Title Colors Outside The Lines
Coloring outside the lines is scary business
Sometimes, I don't have the courage for it all.
On my big, bold days though, I like to let my red crayon
just swirl out there with my purple, streaking across the page...
in perfect freedom no lines!
Coloring outside the lines is lonely too.
I'm the only one that doesn't get a gold star on my paper.
The teacher frowns. The kids call me weird or dumb or stupid.
Don't they see? I'm not behind them.
I'm actually out in front. Running free, outside the lines!
It would be nice if I had a friend that would color outside
the lines, sometimes, too
Will you?
.....author unknown
Sometimes, I don't have the courage for it all.
On my big, bold days though, I like to let my red crayon
just swirl out there with my purple, streaking across the page...
in perfect freedom no lines!
Coloring outside the lines is lonely too.
I'm the only one that doesn't get a gold star on my paper.
The teacher frowns. The kids call me weird or dumb or stupid.
Don't they see? I'm not behind them.
I'm actually out in front. Running free, outside the lines!
It would be nice if I had a friend that would color outside
the lines, sometimes, too
Will you?
.....author unknown
Wednesday, June 23, 2010
SUPPORT REAL ESTATE HOMEBUYER'S TAX CREDIT EXTENSION
Notice from the American Land Title Association:
Help support an extension of the homebuyer tax credit closing deadline!
Ask your Senators and Representative to support an extension of the present home-buyer tax credit closing deadline from June 30, 2010, to September 30, 2010. Consumers who have entered into contracts to purchase a principal residence on or before April 30, 2010, and who have complied with all eligibility requirements, should receive the benefits of the homebuyer tax credit.
ALTA members report that in the markets with the highest volume of short sales, it is not uncommon for closing to take up to four months. The two month window afforded by the homebuyer tax credit is simply not long enough for current market conditions in the most severely distressed markets in the country. Many of the pending short sale transactions in the slowest markets may turn into foreclosures if they cannot close by the June 30 deadline. The National Association of REALTORS® estimates that between 55,000 and 75,000 prospective buyers may be unable to close by the current deadline.
Help support an extension of the present home-buyer tax credit closing deadline to September 30, 2010, for eligible borrowers by writing to Congress today!
Help support an extension of the homebuyer tax credit closing deadline!
Ask your Senators and Representative to support an extension of the present home-buyer tax credit closing deadline from June 30, 2010, to September 30, 2010. Consumers who have entered into contracts to purchase a principal residence on or before April 30, 2010, and who have complied with all eligibility requirements, should receive the benefits of the homebuyer tax credit.
ALTA members report that in the markets with the highest volume of short sales, it is not uncommon for closing to take up to four months. The two month window afforded by the homebuyer tax credit is simply not long enough for current market conditions in the most severely distressed markets in the country. Many of the pending short sale transactions in the slowest markets may turn into foreclosures if they cannot close by the June 30 deadline. The National Association of REALTORS® estimates that between 55,000 and 75,000 prospective buyers may be unable to close by the current deadline.
Help support an extension of the present home-buyer tax credit closing deadline to September 30, 2010, for eligible borrowers by writing to Congress today!
Wednesday, April 28, 2010
News Letter News or Why It Is Different
We have been publishing "GATEWAY TITLE TALK" for over 3 years. We distributed it on line, a mailing, and 16,000 through a local weekly newspaper.The entire staff was helpful, supportive and the cost was reasonable. Great people to work with.
A few months ago the parent company asked us to change our format. I'm not going into the reason whyI won't change it so... that was the end of that.
Until we come up with another way to distribute the actual copy, we have it on line, recipes and all! You can read it www.gatewaytitle.co - it's just a click away on our home page.Best wishes and Happy Reading to all of our Friends!
A few months ago the parent company asked us to change our format. I'm not going into the reason whyI won't change it so... that was the end of that.
Until we come up with another way to distribute the actual copy, we have it on line, recipes and all! You can read it www.gatewaytitle.co - it's just a click away on our home page.Best wishes and Happy Reading to all of our Friends!
Tuesday, April 20, 2010
Sunday, April 18, 2010
TITLE TIP #6 - FILL IN THE BLANKS ... We Can't Read Your Mind!
I always tell my escrow team that they are deaf. Yes,deaf!
Why would I say that?
Because we must follow your written instructions on your real estate purchase agreement and if you leave anything blank, we can't assume what you want to happen. If something does not apply to you, use NA or cross it off so we know this was not an oversite or mistake. Make certain that you or your agent leave no blanks on the contract.
When you TELL us what you meant,be sure to put it in writing and that ALL parties sign and date the changes or addendums to your contract.
Please remember:
Your escrow officer can ONLY follow WRITTEN INSTRUCTIONS.
That's why I remind them they are "deaf" to oral instructions and can only follow those they can SEE in writing.
Take the stress out of your closing:
PUT IT IN WRITING AND LEAVE NO BLANKS!
Why would I say that?
Because we must follow your written instructions on your real estate purchase agreement and if you leave anything blank, we can't assume what you want to happen. If something does not apply to you, use NA or cross it off so we know this was not an oversite or mistake. Make certain that you or your agent leave no blanks on the contract.
When you TELL us what you meant,be sure to put it in writing and that ALL parties sign and date the changes or addendums to your contract.
Please remember:
Your escrow officer can ONLY follow WRITTEN INSTRUCTIONS.
That's why I remind them they are "deaf" to oral instructions and can only follow those they can SEE in writing.
Take the stress out of your closing:
PUT IT IN WRITING AND LEAVE NO BLANKS!
Friday, April 16, 2010
TITLE TIP # 5 DON'T GAMBLE WITH THE TITLE TO YOUR PROPERTY
TITLE TIP #5
Accepting a quit claim deed for real property is for gamblers.
Don’t take chances with your real estate investments.
Let me tell you why -
True life example:
A few years ago a Doctor came to us to insure and close on a property he just sold.
That property was given to him via Quit Claim deed from a patient who owed him a lot of Money.
The Doctor thought it was a good deal and rented out the house.
After a few years the Doctor decided to retire, sell the property as part of his retirement.
He found a ready, willing and able buyer.
We searched the title to his Quit Claimed rental and discovered there were more liens against the property than the property was worth!
When he accepted the Quit claim deed he also accepted all of the encumbrances and debt against the property!
The lesson is:
Always have the title to a property examined before you take title.
Insure the title.
Never accept a Quit Claim Deed - what you get may be more than you see!
Accepting a quit claim deed for real property is for gamblers.
Don’t take chances with your real estate investments.
Let me tell you why -
True life example:
A few years ago a Doctor came to us to insure and close on a property he just sold.
That property was given to him via Quit Claim deed from a patient who owed him a lot of Money.
The Doctor thought it was a good deal and rented out the house.
After a few years the Doctor decided to retire, sell the property as part of his retirement.
He found a ready, willing and able buyer.
We searched the title to his Quit Claimed rental and discovered there were more liens against the property than the property was worth!
When he accepted the Quit claim deed he also accepted all of the encumbrances and debt against the property!
The lesson is:
Always have the title to a property examined before you take title.
Insure the title.
Never accept a Quit Claim Deed - what you get may be more than you see!
Wednesday, April 14, 2010
GATEWAY TITLE TIP #4 - SMILE PRETTY!
When you are signing final mortgage documents, don't forget: You must bring with you, picture identification (valid driver’s license).
We have to copy this for our file.
This identification is required for closing on real estate. Oh, I know you hate that picture, Just about everyone hates that picture! :)
We have to copy this for our file.
This identification is required for closing on real estate. Oh, I know you hate that picture, Just about everyone hates that picture! :)
Monday, April 12, 2010
GATEWAY TITLE TIP #3..... WHAT'S IN A NAME?
Gateway Title - The FSBO Specialists #3 TITLE TIP: Debbie... Deborah.... Deb...Debra....Debbie K....Deborah Kay? Be careful to always sign all papers the same way in a real estate transaction. With or without your middle name, middle initial? Be consistant with what ever you call your "legal" name and avoid problems in closing!
How many identities do you have?
How many identities do you have?
Saturday, April 10, 2010
Gateway Title " Staging With Suzy" Seminar A Success!
Sitting in a class room at 9:30 on a sunny Saturday morning is probably not your idea of fun.For seven savvy sellers of beautiful local properties,it was exactly where they wanted to be. They attended "Staging With Suzy" (Suzanne Torchia Anton, REALTOR from the Realty Store).
Suzy told them like it is and showed many examples of before/after.Her tips were great! It was so interesting. I wish all sellers would get this and apply the information and "stage" their homes for sale. The whole presentation made a lot of sense.
To understand the difference between decorating and staging is so important in marketing a home.
I learned a lot and see it as: "decorating" is for the owners and "staging" is for the buyers!
How do you define it?
Suzy told them like it is and showed many examples of before/after.Her tips were great! It was so interesting. I wish all sellers would get this and apply the information and "stage" their homes for sale. The whole presentation made a lot of sense.
To understand the difference between decorating and staging is so important in marketing a home.
I learned a lot and see it as: "decorating" is for the owners and "staging" is for the buyers!
How do you define it?
Friday, April 9, 2010
TITLE TIP #2 - HOW TO SAVE MONEY ON CLOSING COSTS!
TITLE TIP #2: Sellers, would you like to know one way to save $$ on closing costs?
If you owned the property you are selling for less than 10 years, You are probably entitled to a reissue rate discount on new title insurance costs. Find your old closing HUD statement or Title insurance policy and ask the title company to check for and credit you reissue discount savings at closing. Test the integrity of a title company. Do they tell you about this savings up front? Most don't tell you because they make less money. You are entitled.
Thursday, April 8, 2010
GATEWAY TITLE TIP #1
Title Tip #1: Choose your own title company. Don’t let agents or lenders steer you to their “in house” title agency. Closings and title insurance are to be handled by a disinterested third party.
How can an “in house” title agency be neutral when it comes to a closing? RESPA states consumer’s rights, and no where does it give agents or banks the right to make that choice for you.
They must disclose relationships and respect your right to choose.
You pay for your title and escrow service. You pay...you pick!
www.realestateactuality.blogspot.com
How can an “in house” title agency be neutral when it comes to a closing? RESPA states consumer’s rights, and no where does it give agents or banks the right to make that choice for you.
They must disclose relationships and respect your right to choose.
You pay for your title and escrow service. You pay...you pick!
www.realestateactuality.blogspot.com
Monday, April 5, 2010
"CUSTOMER SERVICE" ? Gateway Debbie Vents!
CUSTOMER SERVICE?!?!?!?!?
The internet is a wonderful thing. You can find anything you could possibly ever want or need. It’s a great tool for businesses to reach their customers, HOWEVER……..
I recently had an experience that really took the cake. The Boss asked me to find a new place we could buy the photo holders that we give to our customers, unfortunately the previous place has gone out of business. We buy a case at a time.
I called the manufacturer and they gave me the name and phone number of a place close to us, so what did I do then, of course?
I Googled them.
I went to their website and they did have just what we needed. So, I called them. I needed to know the price of the product we were interested in purchasing and maybe an alternative.
When I called I got a recording telling me what number to push for whatever department I needed- this was easy enough, so far, so good. My call was answered promptly and I explained (in great detail) my dilemma. I was told I HAD to sign up online to receive any pricing information. Let me repeat that. I was speaking to a”CUSTOMER SERVICE REP” asking, nay almost pleading to spend money with this company and I was told that she “could not help me over the phone and I had to go back to the website and register”. I saw this feature on the site when I was there the first time- The process takes up to 24 HOURS. This “Customer Service Rep” had me on the phone wanting to buy her products and I was shooed back to the website- WOW!
If I didn’t want to talk to an actual person- I wouldn’t have called.
Have we forgotten how to speak to one another??? I cannot imagine if Rachel aka “The Boss” heard anyone of us telling a customer “I can’t help you, you need to go to our website.” They wouldn’t be employed here long enough to hang up the phone.- Thank Heavens!
The internet is a wonderful thing. You can find anything you could possibly ever want or need. It’s a great tool for businesses to reach their customers, HOWEVER……..
I recently had an experience that really took the cake. The Boss asked me to find a new place we could buy the photo holders that we give to our customers, unfortunately the previous place has gone out of business. We buy a case at a time.
I called the manufacturer and they gave me the name and phone number of a place close to us, so what did I do then, of course?
I Googled them.
I went to their website and they did have just what we needed. So, I called them. I needed to know the price of the product we were interested in purchasing and maybe an alternative.
When I called I got a recording telling me what number to push for whatever department I needed- this was easy enough, so far, so good. My call was answered promptly and I explained (in great detail) my dilemma. I was told I HAD to sign up online to receive any pricing information. Let me repeat that. I was speaking to a”CUSTOMER SERVICE REP” asking, nay almost pleading to spend money with this company and I was told that she “could not help me over the phone and I had to go back to the website and register”. I saw this feature on the site when I was there the first time- The process takes up to 24 HOURS. This “Customer Service Rep” had me on the phone wanting to buy her products and I was shooed back to the website- WOW!
If I didn’t want to talk to an actual person- I wouldn’t have called.
Have we forgotten how to speak to one another??? I cannot imagine if Rachel aka “The Boss” heard anyone of us telling a customer “I can’t help you, you need to go to our website.” They wouldn’t be employed here long enough to hang up the phone.- Thank Heavens!
Friday, April 2, 2010
Female Owned Businesses Are Different!
Established in 1993, Gateway Title is a different kind of real estate title business. You can detect this the second you enter our "Rose Garden" reception area and did you know "It's always a GREAT DAY at Gateway Title"?
We are unique in our passion to take care of our costomers, partly because Gateway Title is a Female owned and operated family business and it's our priority to take such great care of our customers. That's why we specialize in buyers and sellers of real estate who are not using a real estate agent.
You may have seen us on TV, heard us on the radio, read our newsletter,read about our many awards for customers service and innovative business practices, seen us in magazines - local and national. As a speaker or presenter at a business function, become a fan on facebook. We pratice what we preach....Our history is rich with stories and pictures of very happy buyers and sellers.We are very proud of the way we take care of those wonderful folks who choose to "Trust Their Title To Gateway Title"
We are unique in our passion to take care of our costomers, partly because Gateway Title is a Female owned and operated family business and it's our priority to take such great care of our customers. That's why we specialize in buyers and sellers of real estate who are not using a real estate agent.
You may have seen us on TV, heard us on the radio, read our newsletter,read about our many awards for customers service and innovative business practices, seen us in magazines - local and national. As a speaker or presenter at a business function, become a fan on facebook. We pratice what we preach....Our history is rich with stories and pictures of very happy buyers and sellers.We are very proud of the way we take care of those wonderful folks who choose to "Trust Their Title To Gateway Title"
Wednesday, March 31, 2010
REAL ESTATE MARKET IS IMPROVING- GATEWAY TITLE REPORTS!
I'm delighted to report to you that we're experiencing a lot more of new title orders being starting with us this week.It's bringing a smile to our faces and I hope it does the same for you.
We all have been waiting for a positive sign and by golly, I think we've got it!
It's a GOOD thing!
Anyone else feeling this?
Let me know.
Take Care Now.
We all have been waiting for a positive sign and by golly, I think we've got it!
It's a GOOD thing!
Anyone else feeling this?
Let me know.
Take Care Now.
Wednesday, March 24, 2010
Invitation To Become A Fan Of: Gateway Title - FSBO Specialists
The world is quickly looking much different than ever before.
Social Media (blogging: facebook;twitter; email) rules!
Even the fax is almost obsolete because we now scan and email!
We have fans and groups and notes and lots of pictures and "like; comments; and we share".
Amazing how different communication is from just a few years ago.
Gateway Title hosts a fan page and a growing list of fans (Thank you).
I wonder how many fans we have?
I'm supposed to ask everyone if they would like to become a fan of Gateway Title.
Okay. so here goes:
I invite you to please become a facebook "fan” of Gateway Title.
Thank you .... Rachel
Social Media (blogging: facebook;twitter; email) rules!
Even the fax is almost obsolete because we now scan and email!
We have fans and groups and notes and lots of pictures and "like; comments; and we share".
Amazing how different communication is from just a few years ago.
Gateway Title hosts a fan page and a growing list of fans (Thank you).
I wonder how many fans we have?
I'm supposed to ask everyone if they would like to become a fan of Gateway Title.
Okay. so here goes:
I invite you to please become a facebook "fan” of Gateway Title.
Thank you .... Rachel
Sunday, March 21, 2010
Buyer's Tax Credit Opportunity Ends Next Month
This opportunity expires soon. Buyers and sellers must have signed their purchase aggreement by April 30,2010 and must transfer title by
June 30,2010.
Do you know if you qualify?
There is plenty of informaion on the web. Just google "real estate buyers tax credit" to find the guidelines and check with a tax accountant to make sure you qualify.
This is a great time to buy - Mortgage rates are low and so are home prices. Don't become one of those people who wish they would have done it!
Bring your deal to Gateway Title...
Keeping Your Life Simple
June 30,2010.
Do you know if you qualify?
There is plenty of informaion on the web. Just google "real estate buyers tax credit" to find the guidelines and check with a tax accountant to make sure you qualify.
This is a great time to buy - Mortgage rates are low and so are home prices. Don't become one of those people who wish they would have done it!
Bring your deal to Gateway Title...
Keeping Your Life Simple
Saturday, March 20, 2010
GATEWAY TITLE REVEALS A SECRET TO SELLING FASTER!
PUT IT "ON SALE"
Let the week-end lookers know your property is on sale today and attach the sale price ON YOUR YARD SIGN!
Is this unorthodox? YES!
Your buyer is out there driving around your neighborhood.
This will bring attention to your house like nothing else!
Let the week-end lookers know your property is on sale today and attach the sale price ON YOUR YARD SIGN!
Is this unorthodox? YES!
Your buyer is out there driving around your neighborhood.
This will bring attention to your house like nothing else!
Friday, March 19, 2010
GATEWAY TITLE LOVES YOUR REFERRALS!
Thanks For Telling Others About Our Service
I guess it’s no co-incidence that sellers who already have a buyer for their property, come to Gateway Title to wrap it up and close it for them. They know they don’t require a real estate agent to market for them, so they must hear about our service from others who have successfully closed out with Gateway Title.
I sincerely appreciate your referrals and take very good care of those friends and family members you’ve sent our way!
Things are picking up, but every sale is a special deal to me.
THANK YOU!
I guess it’s no co-incidence that sellers who already have a buyer for their property, come to Gateway Title to wrap it up and close it for them. They know they don’t require a real estate agent to market for them, so they must hear about our service from others who have successfully closed out with Gateway Title.
I sincerely appreciate your referrals and take very good care of those friends and family members you’ve sent our way!
Things are picking up, but every sale is a special deal to me.
THANK YOU!
Wednesday, March 17, 2010
Cleveland Area Title Company Feels Like The Lone Ranger
I sometimes wonder....
if we the only REAL title agency left in the Cleveland area or
have the other remaining title agencies stopped taking phone calls from buyers/sellers and attorneys?
I ask this because we have been getting calls from people who need the help of a title company and tell us we are the only company willing to take the time to listen and help them. ....
Strange, we like getting business, don’t they?
True, the values of real estate are not what they used to be but business is business.
There is a glitch that is not always understood by sellers and borrowers:
Just because the property is really, really cheap, doesn’t mean a title company can do all the required work really, really cheap.
Anyone in this business knows that the work involved in title and escrow is the same if the property is $8000, or $80,000 or $800,000!
For many consumers, it is a hard truth to accept.
We find the cheaper in property, the more title problems exist.
If you are refinancing, selling and/or buying real estate, and you want it done correctly, you will need a title company.
You need Gateway Title.
Let’s see if we can help you.
Give us a call – 440 546 9660
if we the only REAL title agency left in the Cleveland area or
have the other remaining title agencies stopped taking phone calls from buyers/sellers and attorneys?
I ask this because we have been getting calls from people who need the help of a title company and tell us we are the only company willing to take the time to listen and help them. ....
Strange, we like getting business, don’t they?
True, the values of real estate are not what they used to be but business is business.
There is a glitch that is not always understood by sellers and borrowers:
Just because the property is really, really cheap, doesn’t mean a title company can do all the required work really, really cheap.
Anyone in this business knows that the work involved in title and escrow is the same if the property is $8000, or $80,000 or $800,000!
For many consumers, it is a hard truth to accept.
We find the cheaper in property, the more title problems exist.
If you are refinancing, selling and/or buying real estate, and you want it done correctly, you will need a title company.
You need Gateway Title.
Let’s see if we can help you.
Give us a call – 440 546 9660
Monday, March 15, 2010
GATEWAY TITLE PRESIDENT ASKS:
WHAT WAS HUD THINKING?
The latest on RESPA “reform” craziness:
Sanity and common sense are not part of HUD’s agenda.
Learning to prepare the 2010 HUD-1 settlement statement has been overwhelming for the settlement industry.
It is obvious to us that different lenders interpret the new RESPA rules differently and provide to us, a different set of instructions.
The lack of consistency is causing chaos and confusion through out the real estate industry.
Bottom line......
The real victims:
The consumers!
WHAT WERE THEY THINKING?
The latest on RESPA “reform” craziness:
Sanity and common sense are not part of HUD’s agenda.
Learning to prepare the 2010 HUD-1 settlement statement has been overwhelming for the settlement industry.
It is obvious to us that different lenders interpret the new RESPA rules differently and provide to us, a different set of instructions.
The lack of consistency is causing chaos and confusion through out the real estate industry.
Bottom line......
The real victims:
The consumers!
WHAT WERE THEY THINKING?
Thursday, March 11, 2010
GATEWAY TITLE NEEDS YOUR HELP
Why am I asking for Your Help?
Please help me get the word out to sellers of real estate that there is another way to find a buyer.
It’s easy and inexpensive.
It doesn’t matter if you are selling by owner or listed with a REALTOR.
What is it you ask?
It’s so simple and obvious, that I don’t know why sellers are reluctant to just do it.
Here it is:
PUT THE ASKING PRICE OF THE PROPERTY
ON THE YARD SIGN!
It works!
Send me your story......
Rachel
Please help me get the word out to sellers of real estate that there is another way to find a buyer.
It’s easy and inexpensive.
It doesn’t matter if you are selling by owner or listed with a REALTOR.
What is it you ask?
It’s so simple and obvious, that I don’t know why sellers are reluctant to just do it.
Here it is:
PUT THE ASKING PRICE OF THE PROPERTY
ON THE YARD SIGN!
It works!
Send me your story......
Rachel
Friday, March 5, 2010
Title Agent Wants To Know: Is The Tax Credit Working?
I've been listening for the BUZZ .... not hearing much from buyers and sellers about taking advantage of the tax credit for home buyers.
I think many buyers were hoping they would get the credit when they were buying form a relative. Has that had an adverse affect on our real estate market?
I'd appreciate your thoughts on this!
Thanks,
Rachel
I think many buyers were hoping they would get the credit when they were buying form a relative. Has that had an adverse affect on our real estate market?
I'd appreciate your thoughts on this!
Thanks,
Rachel
Tuesday, March 2, 2010
Gateway Title Pays It Forward.
Pay It Forward Is Growing!
It Is Time To Support Each Other!
and
It Is Exciting To Watch An Idea Grow Into Reality.....
About six weeks ago, customers We started contacting our customers and businesses inviting them to send us their company coupons for savings to their restaurants, retail, professional and home services.
The response has been excellent!
We have envelopes stuffed full of wonderful opportunities for everyone to enjoy.
We are distributing these packets in “our wonderful parting gifts” tote bags and to workshop attendees or you can just
stop by our Brecksville office, and ask for your coupon packet.
This opportunity to “Pay it forward” is free to any business submitting a coupon and wanting to participate:
Simply call Rachel – 440 546 9660 or email Rachel@gatewaytitle.com .
We all have to power to change the local economy.
Support your local small business person and start today!
It Is Time To Support Each Other!
and
It Is Exciting To Watch An Idea Grow Into Reality.....
About six weeks ago, customers We started contacting our customers and businesses inviting them to send us their company coupons for savings to their restaurants, retail, professional and home services.
The response has been excellent!
We have envelopes stuffed full of wonderful opportunities for everyone to enjoy.
We are distributing these packets in “our wonderful parting gifts” tote bags and to workshop attendees or you can just
stop by our Brecksville office, and ask for your coupon packet.
This opportunity to “Pay it forward” is free to any business submitting a coupon and wanting to participate:
Simply call Rachel – 440 546 9660 or email Rachel@gatewaytitle.com .
We all have to power to change the local economy.
Support your local small business person and start today!
Wednesday, February 17, 2010
Sellers and Buyers Loyality
I smile when I think of Margaret.
Margaret signed her seller’s papers yesterday at our office.
This was not her first time to sign closing papers. A few months ago she was here to close on the home she was buying.
She was one of those nice people that I’ve seen around town and at church. We always smiled and said “Hello”, without really knowing each other.
She called and came to us to handle her closing. She trusted my company.
When it came time to choose a title company to handle her sale of her condo, she turned to my company again.
As she was leaving yesterday, she told me how comforting it was to her to know that we were taking care of her.
That was one of the most wonderful statements I’ve heard in all my years in this business.
So, I smile when I think of Margaret.
Thank you for your trust in my company, Gateway Title!
Margaret signed her seller’s papers yesterday at our office.
This was not her first time to sign closing papers. A few months ago she was here to close on the home she was buying.
She was one of those nice people that I’ve seen around town and at church. We always smiled and said “Hello”, without really knowing each other.
She called and came to us to handle her closing. She trusted my company.
When it came time to choose a title company to handle her sale of her condo, she turned to my company again.
As she was leaving yesterday, she told me how comforting it was to her to know that we were taking care of her.
That was one of the most wonderful statements I’ve heard in all my years in this business.
So, I smile when I think of Margaret.
Thank you for your trust in my company, Gateway Title!
Tuesday, February 16, 2010
Title Company : Creature Of Habits
Have you ever notice how we humans have a difficult time adapting when our “normal” routine is changed?
We are upgrading our telephone system. Much of the work was done yesterday, which was “President’s Day and the office was closed. I met the techie here at nine AM and didn’t we didn’t leave until four! It seemed we had everything under control until I checked voice mail messages as usual during the evening. I couldn’t access it - Semi panic!
This morning, I told everyone to reset their own voice mails and I think most of us forgot how. How often do you change an office message?
Debbie, our extraordinary receptionists, says the ring sounds different. Ashley couldn’t pick it up from her cell phone, and so on and so on.
As for me,
I change the office greeting every time there is a holiday, but I went totally blank as the techie was standing there watching!
We are such creatures of habit.
Things seem to be settling down now that it is afternoon and all of the voicemails have messages again.
This should have been easy. Sure!
Stop, Think, and then take Action – I’ll have to remember that.
We are upgrading our telephone system. Much of the work was done yesterday, which was “President’s Day and the office was closed. I met the techie here at nine AM and didn’t we didn’t leave until four! It seemed we had everything under control until I checked voice mail messages as usual during the evening. I couldn’t access it - Semi panic!
This morning, I told everyone to reset their own voice mails and I think most of us forgot how. How often do you change an office message?
Debbie, our extraordinary receptionists, says the ring sounds different. Ashley couldn’t pick it up from her cell phone, and so on and so on.
As for me,
I change the office greeting every time there is a holiday, but I went totally blank as the techie was standing there watching!
We are such creatures of habit.
Things seem to be settling down now that it is afternoon and all of the voicemails have messages again.
This should have been easy. Sure!
Stop, Think, and then take Action – I’ll have to remember that.
Thursday, February 11, 2010
REAL ESTATE TITLE NEWS
Title Company Tells All
What the buyers and Sellers Don’t Know
Did you know:
That HUD has done RESPA Reform so that you can understand settlement documents more clearly?
That most consumers won’t realize papers have changed?
The lending and title industries have spent tons of money on software changes and training to learn the “new” HUD?
That in spite of all the training, confusion abounds?
That this change was brought about years ago by a former head of HUD agency because he refinanced and didn’t understand the papers?
That there may be delays in real estate closings because of a problem complying with each lender’s interpretation of new requirements?
That most companies involved in real estate closings secretly wish this would just go away?
That it seems as clear as mud?
We know:
This is not going away so we are doing everything to make your real estate closing a smooth closing and you’ll never have to know!
What the buyers and Sellers Don’t Know
Did you know:
That HUD has done RESPA Reform so that you can understand settlement documents more clearly?
That most consumers won’t realize papers have changed?
The lending and title industries have spent tons of money on software changes and training to learn the “new” HUD?
That in spite of all the training, confusion abounds?
That this change was brought about years ago by a former head of HUD agency because he refinanced and didn’t understand the papers?
That there may be delays in real estate closings because of a problem complying with each lender’s interpretation of new requirements?
That most companies involved in real estate closings secretly wish this would just go away?
That it seems as clear as mud?
We know:
This is not going away so we are doing everything to make your real estate closing a smooth closing and you’ll never have to know!
Friday, February 5, 2010
TITLE COMPANY OWNER ANSWERS THE #1 QUESTION
How are you guys doing?
The number one question I hear.
We certainly are constantly challenged by outside forces such as:
• Banks that own their own title company and think they are entitled to make more money off the consumer with title and closing fees.
• Real estate agents that own their own title company and think they are entitled to make more money off the consumer with title and closing fees.
• Consumers who are afraid to speak up for themselves and let others take advantage of them!
Other than that, we have no problems.
Any way I look at this market, Gateway Title is still doing better than most other title agencies.
We have many wonderful loyal buyers, sellers, and refinancing home owners who Trust their Title to Gateway and refer others to us.
For them, I Thank You , I and am grateful for your trust.
The number one question I hear.
We certainly are constantly challenged by outside forces such as:
• Banks that own their own title company and think they are entitled to make more money off the consumer with title and closing fees.
• Real estate agents that own their own title company and think they are entitled to make more money off the consumer with title and closing fees.
• Consumers who are afraid to speak up for themselves and let others take advantage of them!
Other than that, we have no problems.
Any way I look at this market, Gateway Title is still doing better than most other title agencies.
We have many wonderful loyal buyers, sellers, and refinancing home owners who Trust their Title to Gateway and refer others to us.
For them, I Thank You , I and am grateful for your trust.
Friday, January 15, 2010
Real Estate Workshops Filling Quickly
The is a bit of a weird month. Not many people want to move in January so transferring titles from sellers to new buyers is always slowest. It's the after the holidays doldrums. It seems we humans just want to hibernate for a while waiting for the sun to melt all the dirty white stuff!
There is a Bright side coming!
We are doing lot of customer contact activity setting up our first 2010 Real Estate
workshop scheduled for Jan. 23rd. I am delighted to report that workshop is filled to over capacity and we have Feb.6th on the books and it is half way filled.
Now that's something to celebrate!
It is an indication of a healthy market to follow. I am anxious to let all of our attendees know how we can help them and why Trusting their title to Gateway is a wise "move". Buyers are going to be facing extra challenges just trying to get through the additional "red tape" on their loan and closing documents. We promise we will walk you through them as simply as possible. We expect a busy spring since purchase agreements must be signed before April30, 2010 to qualify for either tax credit ($6500 -$8000). Don’t let any of this make you nervous, Gateway can help you.
If you want more information on any of the above, just email or call me – Rachel@gatewaytitle.com – 440 546 9660.
We do make time for YOU!
SPRING AHEAD!
There is a Bright side coming!
We are doing lot of customer contact activity setting up our first 2010 Real Estate
workshop scheduled for Jan. 23rd. I am delighted to report that workshop is filled to over capacity and we have Feb.6th on the books and it is half way filled.
Now that's something to celebrate!
It is an indication of a healthy market to follow. I am anxious to let all of our attendees know how we can help them and why Trusting their title to Gateway is a wise "move". Buyers are going to be facing extra challenges just trying to get through the additional "red tape" on their loan and closing documents. We promise we will walk you through them as simply as possible. We expect a busy spring since purchase agreements must be signed before April30, 2010 to qualify for either tax credit ($6500 -$8000). Don’t let any of this make you nervous, Gateway can help you.
If you want more information on any of the above, just email or call me – Rachel@gatewaytitle.com – 440 546 9660.
We do make time for YOU!
SPRING AHEAD!
Monday, January 11, 2010
Help GATEWAY TITLE Pay It Forward
To Friends of Gateway Title,
Why am I sending this letter to you?
First of all, I want to THANK YOU for your support in this tough real estate market.
Because, without your insistence that Gateway does title work and closing on real
estate and refinance deals, Gateway Title would no longer exist!
Secondly, I would like to “Pay it Forward”, and give a marketing opportunity to
other local businesses by distributing for them, a business coupon
or perhaps a savings certificate to our customers,
My intention is to make our customers your customers too!
This is how it will work:
We give “lovely parting gifts” in our fabulous Gateway tote-bag, to our valued
customers at closing.
I am looking for anyone with a business or service who can offer a coupon etc.
that I can put in our Gateway Title Tote-bag .
Don’t have your own business? Does your Brother, Mother-in-Law or Neighbor?
Have a favorite restaurant, business or service that might be interested?
You can do your part to “paying it forward”
Please pass this along to them.
There is NO CHARGE, NO HIDDEN ANYTHING!
The only requirement is that what they offer be good for one year.
For more information please call Rachel @ 440-546-9660 or
email Rachel@gatewaytitle.com.
Sincerely,
Rachel Torchia
President/Owner
Rachel@gatewaytitle.com
Phone- 440-546-9660
www.realestateactuality.blogspot.com
Why am I sending this letter to you?
First of all, I want to THANK YOU for your support in this tough real estate market.
Because, without your insistence that Gateway does title work and closing on real
estate and refinance deals, Gateway Title would no longer exist!
Secondly, I would like to “Pay it Forward”, and give a marketing opportunity to
other local businesses by distributing for them, a business coupon
or perhaps a savings certificate to our customers,
My intention is to make our customers your customers too!
This is how it will work:
We give “lovely parting gifts” in our fabulous Gateway tote-bag, to our valued
customers at closing.
I am looking for anyone with a business or service who can offer a coupon etc.
that I can put in our Gateway Title Tote-bag .
Don’t have your own business? Does your Brother, Mother-in-Law or Neighbor?
Have a favorite restaurant, business or service that might be interested?
You can do your part to “paying it forward”
Please pass this along to them.
There is NO CHARGE, NO HIDDEN ANYTHING!
The only requirement is that what they offer be good for one year.
For more information please call Rachel @ 440-546-9660 or
email Rachel@gatewaytitle.com.
Sincerely,
Rachel Torchia
President/Owner
Rachel@gatewaytitle.com
Phone- 440-546-9660
www.realestateactuality.blogspot.com
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