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Title Insurance - Fidelity National Title & Escrow
What is Title Insurance? Title insurance is a contract of indemnity which guarantees that the title to the property is as reported. If it is not as reported, title companies will reimburse the buyers for actual loss or damage under the condition specified in the policy. The title policy covers th...
The Santa Maria market is definitely experiencing a shift.  Inventory is low in Santa Maria, Orcutt and Lompoc and the banks aren't releasing the REO properties.  January sales for Santa Maria valley were 95 with 30 of those being REO properties. The Lompoc market in January saw 40 sales with 21 ...
WHAT HAPPENS IN ESCROW  An escrow is an arrangement in which a disinterested third party, called an escrow holder, holds legal documents and funds on behalf of a buyer and seller.  Then distributes them according to the buyer's and sellers mutual instructions.  People buying and selling real esta...
Well  2008 is now behind us and many  of us have a sigh of relief.  2009 is a fresh start and for most of us it is needed.  If you work in the real estate or financial industry and you are still here to talk about it - you are definitely a survivor. It is interesting chatting with folks in differ...
Santa Maria is hour north of Santa Barbara in the northern tip of Santa BArbara county.  We have seen a massive  amount of REO business this past year. In  October, the  total # of sales were 181 (single family residence) with 121  of those sales being REO properties.  Roughly 95% of the remainde...
In the course of a busy day, you may write a check at the grocery store, charge tickets to a ball game, rent a car, mail your tax returns, change service providers for your cell phone, or apply for a credit card. Chances are you don't give these everyday transactions a second thought. But an iden...
Thanksgiving is such a wonderful time of the year!  A time to reflect on the many things we have to be thankful for even in these significant economic challenges.  I always try to look for the silver lining in the storm and there are usually many opportunities that await us. Thank you for support...
FICO stands for Fair Isaac & Company.  Credit scores are reported by each of the three major credit bureaus:  Experian (formerly TRW), Equifax and Trans-Union.  The score does not come up exactly the same on each bureau because each bureau places a slighly different emphasis on different items.  ...
FEAR can certainly take hold of us mentally and physically these days - with all that is in the media regarding our economy, locally and globally. I always try and look for the opportunity in a situation, good or bad.  In my opinion, it is going to get worse BEFORE it gets better.  Where is the o...
   There are few, if any, more mysterious or frustrating subjects for the average consumer today than a credit score. Even though it has caught the attention of the American media and consumers nationwide, especially with respect to identity theft, credit scores remain one of the more intimidatin...

Cheryl Tolan

Working Hard to Earn Your Next Escrow!
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