Ticor title express

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Click for eBookletWe are pleased to announce the availability of Ticor Title’s comprehensive Buyer/Seller guide in PDF, eBook, and Print Formats. This guide is designed to provide meaningful information and answer commonly asked questions that home buyers and sellers have throughout a real estate transaction. Our goal with the Buyer/Seller Guide is to improve the overall experience of buyers and sellers by providing education and insights that demystify Title Insurance, Escrow, the CFPB, Taxes and more. This guide is a useful tool in setting proper expectations for the complex process of buying and selling a home.How to Get the Buyer & Seller GuideFor your convenience, there are three ways to access the guide:Formats & How to AccessDownloadable PDFDownload the Buyer & Seller Guide in PDF format for viewing, sharing, and local print. Download here: Buyer and Seller Guide to Title & EscroweBookleteBooklet format presents well on tablets, smart-phones, and desktops and provides a means of linking to and sharing individual pages or sections of the document. Click here to view the Buyer & Seller Guide in eBook format.PrintThe Buyer & Seller Guide is available in a high-quality print format upon request. Please contact your Ticor Title Sales Executive to reserve yours today.

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IntroductionThis section of the website has been created to help introduce lenders to the basic factssurrounding title insurance policies and related matters. You will find important informationidentifying the differences between policies, the most commonly used endorsements, types ofdeeds, and a glossary of frequently used industry terms.Title insurance helps to protect lenders and homeowners against major losses. Ticor Titlewants to make it easy for you to understand the various aspects of coverage involved in mosttransactions. While title insurance can be a very complex subject, an understanding of thebasics can go a long way.We hope that this website will aid you -- but if you have any specific questions, justcall your local Ticor Title office. Our experts will be glad to answer your questions.From Our Friends in the Legal DepartmentThis website has been designed to be introductory and educational only. Because of the constantchanges inherent in the title insurance industry, and particularly in regard to state andregional differences, it is not to be construed as a statement of duties, liabilities orcoverages.About Title InsuranceTitle policies insure owners and lenders against possible losses from claims against realproperty ownership. The preliminary report or commitment provides advance information onmatters which will be excepted from coverage. Lenders and owners are thereby given anopportunity to correct title flaws before purchasing or lending.Title insurance originated in the 1870's to stem a series of land ownership problems thatdeveloped from inaccurate record searches, forgeries, and related problems. Today, itoffers protection from certain items that cannot be determined from public records, suchas forgeries of all types, undisclosed heirs, hidden marriages and divorces, clerical errors,and invalid legal procedures and interpretations.Policies are written on the basis of a search of public records and other records which impartconstructive notice. Remember, a deed does not prove that the seller is the owner of theproperty. Only title insurance can protect your interest in the property from unknownencumbrances, legal conflicts and unforeseen claims.A policy of title insurance is like a pre-paid legal agreement. Your insurer will providelegal defense against challenges to your insured title (dependent, of course, upon the typeof policy coverage ) and will reimburse you financially

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Synopsis About this title Edition details Synopsis This valuable and inexpensive resource is ideal for anyone who is new to programming and wants to learn the basics of Visual Basic without being overwhelmed by the complicated Visual Studio integrated development environment This back-to-basics book covers getting started with the featured "Starter Kits," learning practical programming , and developing applications Also shows how to use VB Express Edition with database and Web Programming "synopsis" may belong to another edition of this title. From the Inside Flap Visual Basic 2005 Express Edition on CD-ROM Begin developing applications today with a fully-functional version of Visual Basic 2005 Express Edition! Find out how to build cool Web sites quickly! Design fully-functional Windows applications! Add new skills to your toolbox by discovering how to program in Visual Basic A For Dummies exclusive! Special Getting Started CD-ROM includes More than 8 hours of video-based training that shows how you can build applications, including an RSS reader Additional references and resources to help you use VB Express Card Game Starter Kit Amazon-Enabled Movie Collection Starter Kit A unique resource available only with this book! Everything you need to start building Web sites with Visual Basic 2005 Express Edition is right here! From the Back Cover Catch on quickly even if you're a novice programmer Use cool VB Express tools to design databases and Windows® applications If you just want to begin programming, not create a new deep space probe, this book is the place to start. VB Express was developed for novices, and this book explains the language in a language you'll recognize — English. In no time you'll be building professional-looking applications, creating Web pages, testing and deploying your programs, and more! Discover how to: Use IntelliSense®, My object, and DataView Work with variables and arrays. Welcome to Ticor Title Home: Ticor Express: Branches: Login Ticor Express: Branches: Login

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It all begins with the offer and acceptance skillfully negotiated by the real estate agents representing Buyer and Seller. The Buyer(s) Tenders a written offer to purchase (or accepts the Seller's counter-offer) accompanied by a good faith deposit amount. Approves and signs the escrow instructions and other related instruments required to complete the transaction. Approve the preliminary report or title commitment and any property disclosure or inspection report required in the purchase and sale agreement. Approves and signs new loan documents and fulfills any remaining conditions contained in the contract, lender's instructions and/or the escrow instructions. Deposit funds necessary to close the escrow. Approve any changes by signing amendments in the escrow instructions. The Lender (when applicable) Accepts the new loan application and other related documents from the Buyer(s) and begins the qualification process. Orders and reviews the property appraisal, credit report, verification of employment, verification of deposit(s), preliminary report and other related information. Submit the entire package to the loan committee and/or underwriters for approval. When approved, loan conditions and title insurance requirements are established. Informs Buyer(s) of loan approval terms, commitment expiration date and provides a good faith estimate of the closing costs. Deposit the new loan documents and instructions with the settlement agent for Buyer's approval and signature. Reviews and approves the executed loan package and coordinates the loan funding with the escrow officer. The Escrow Settlement Officer Receive an order for escrow and title services. Place order for the preliminary report or title commitment for the subject property from Ticor Title. Acts as the impartial "stakeholder" or depository, in a fiduciary capacity, for all documents and monies required to complete the transaction per written instructions of the principals. Prepare the escrow instructions and required documents in accordance with terms of the sale. With the authorization from

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For losses due to the covered defectsin your ownership rights.It is important to remember that a lender's title policy does not insure a borrower againsttitle risks. While certain types of policies pertain to both the owner and the lender, itmakes good sense to help protect your borrowers by explaining the limitations of theirparticular coverage.In the following sections, you will find an explanation of the most common policies andendorsements used today. If you have any questions regarding which would best suit theneeds of any particular situation, contact your Ticor Title representative.ALTA (American Land Title Association) PolicyIn most jurisdictions, the ALTA Extended Coverage loan policy is the most common policyoffering extended coverage for the lender's interest only. What this means is that the lenderis protected from certain additional "off-record" matters such as encroachments, unrecordedeasements, possessory interests, discrepancies in boundaries -- matters which may generally bedetermined by a land inspection or a proper survey. It insures the lender that they arereceiving a lien which will take priority over various interest and claims to the subjectproperty.An ALTA Extended Coverage loan policy from the Standard Coverage Policy by offering insuranceagainst matters which cannot be determined by an examination of public records.REMEMBER: An ALTA Extended loan policy covers the lender only. Its advantage to the lenderlies in its ability to include matters that are not generally public record.ALTA: Coverage SpecificsALTA Extended Coverage loan policy coverage varies from state to state, as each state placesthose standard exceptions in Part 1, Schedule B, that would be responsive to the statutes andlaws of that particular state. In California, an ALTA loan policy will insure the lenderagainst loss or damage if:The vesting is other than as listed.A defect, lien or encumbrance is not excluded and the underwriter failed to disclose it in the policyThere is no right of access to a public street.The title is unmarketable as insured.The insured mortgage is invalid or unenforceable (unless a claim is based on usury or any consumer credit protection or truth-in-lending law.)Mechanic's liens gain priority over the insured mortgage (unless those liens arise from contractual work started after the policy date and are

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Or settling claims.How losses are determined and the payment of loss.Limitations and reductions of liability; subrogation on payment or settlement; policy limit liability.Provisions for arbitration.Standard Coverage ExclusionsCoverage under the standard policy is excluded for the following matters:Any law, ordinance, governmental regulation or police power relating to building, zoning, occupancy, use or environmental protection except to the extent that a notice of defect has been recorded.Rights of eminent domain.Defects, liens, etc. if: Created by the insured. Known to the insured, but not specified in writing to the underwriter by the specified date. No loss or damage is suffered by the insured. Created or attached after the policy date. If the lien of the insured mortgage is unenforceable because the insured does not comply with "doing business" laws in the state of the insured property. Any claim, which arises out of the transaction vesting in the insured the estate or interest insured or the transaction creating the interest of the insured lender, by reason of the operation of federal bankruptcy, state insolvency, or similar creditor's rights laws.Please remember that endorsements will affect all or some items of coverage; that differentstates may have varying limitations, exclusions, or coverage; and that your Ticor Titlerepresentative will answer any specific questions you may have.PIRTShort for Policy of Insurance of Record Title, a PIRT provides lenders with specific assurances against monetary loss, not to exceed $150,000, as a result of any errors in the information provided. The information provided in a PIRT Schedule A includes the apparent record owner, legal description and monetary liens of record. Continuation EndorsementSimilar to Update, it reflects changes in record ownership and additional liens recordedsince the date of the PIRT, issued upon request, within six months of policy date, singleendorsement.PIRT UpdateA reissued Schedule A which updates the policy reflecting ownership changes and lienadditions or deletions of record. Update issued within six months of policy date.Revolving Credit, Variable Rate (RCVE) Endorsement (GSP-138)An endorsement that extends the coverage of the RCVE when you modify or increase existingcredit lines. Issued in conjunction with PIRT Update or a new PIRT.PIRT is a registered trademark.TSG (Trustee's Sale

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Most widely used policyof title insurance. It is sometimes used as a loan policy to insured the validity of a mortgageor deed of trust on an interest or estate in real property.However, a CLTA Standard Coverage policy is often used as an owner's policy or in somejurisdictions as a Joint Protection policy (JP) insuring both the owner and lender. Thevariety of endorsement that are used to modify a Standard Coverage Policy make this oneof the most flexible policies available, and therefore the most popular.NOTE : A Standard Coverage policy is not always referred to as such. Example: InCalifornia, it is called a CLTA (California Land Title Association) policy. In Washington, itis called a WLTA (Washington Land Title Association) policy -- etc., and, in some states, theowner's policy is an ALTA Standard Owner's policy. Your local Ticor Title office would behappy to discuss the policy forms in use in your state.A Standard Coverage policy relies mostly upon matters of public record. However, someoff-recorded items are covered under its provisions, including forgery, fraud, etc. Theendorsements included, if any, as a part of the policy will affect coverage.Standard Coverage Policy: SpecificsA CLTA Standard Coverage policy will insure the lender and/or the owner against loss ordamage if:The vesting is other than as listed.A defect, lien or encumbrance is not excluded and the underwriter failed to disclose it in the policy.A defect in the execution of the insured instrument, or priority over such instrument of a lien or encumbrance, is not excluded or shown.An assignment of the insured mortgage is invalid, provided it is listed in Schedule B.Standard Coverage Policy: Conditions and StipulationsAs with an ALTA loan policy, the conditions and stipulations of a Standard Coverage Policycontain important provisions of the coverage to both the insurer and the insured. The mainpoints are:That the principal terms used are defined.The circumstances under which the policy will remain in force when the estate or interest in the insured property is acquired by another.How and when the claimant must give notice of claim, and the provision for defense and prosecution of actions.The insurer's options in removing adverse interest, paying. Welcome to Ticor Title Home: Ticor Express: Branches: Login Ticor Express: Branches: Login Ticor Express Exclusively from Ticor Title, Ticor Express is your virtual desktop on the net. We understand the critical need to produce exceptional work, meaningful research, quick answers

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Not financed by the insured loan.)An assignment of the insured mortgage is invalid or unenforceable by reason of an error against in the policy.ALTA: Conditions and StipulationsThe conditions and stipulations of the ALTA policy contain important provisions of thecoverage to both the insurer and the insured. The main points are:That the principal terms used are defined.The circumstances under which the policy will remain in force when the estate or interest in the insured property is acquired by another.How and when the claimant must give notice of claim, and the provision for defense and prosecution of actions.The insurer's options in paying or settling claims.How losses are determined and the payment of loss.Limitations and reductions of liability; noncumulative liability; subrogation on payment or settlement; policy limit liability.Provisions for arbitration.ONE MORE TIME: As with all title insurance policies, various endorsements will affect thecoverage and limitations of an ALTA loan policy. See the section on Endorsements for furtherinformation -- or call your Ticor Title representative.ALTA: Lender's Coverage ExclusionsCoverage under the ALTA policy is excluded for the following matters:Any law, ordinance or governmental regulation or police power relating to building, zoning, occupancy, use or environmental protection except to the extent that a notice of defect has been recorded.Rights of eminent domain.Defects, liens, etc., if: Created by the insured Known to the insured, but not specified in writing to the underwriter by the specified date. No loss or damage is suffered by the insured. Created or attached after the policy date (with the exception of mechanic's lien insurance offered elsewhere in the policy. If the lien of the insured mortgage is unenforceable because the insured does not comply with "doing business" laws in the state of the insured property. Any claim, which arises out of the transaction creating the interest of the mortgagee insured by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws.Standard Coverage PolicyAlthough each state has individual policy differences and limitations, many of them use aStandard Coverage policy, which provides less coverage against off-record risks than the ALTAlender or owner extended coverage. This Standard Coverage Policy is the

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We select the form element using its ID attribute with getElementbyId().Next, we attach an async function to the onsubmit event that will make a request to our local server’s /databases endpoint. (This endpoint will be described below in our server.js code.) The function is asynchronous because we need to wait for a response from our server before proceeding.The response is then appended to our index.html document. (More on this below.)Step 3: Importing the Notion SDK (server.js)Let's start by looking at our server.js file without the Notion-related endpoints:JSONrequire("dotenv").config();const express = require("express");const app = express();// Notion SDK for JavaScriptconst { Client } = require("@notionhq/client");const notion = new Client({ auth: process.env.NOTION_KEY });// < < function(request, response) { response.sendFile(__dirname + "/views/index.html");});// listen for requestsconst listener = app.listen(process.env.PORT, function() { console.log("Your app is listening on port " + listener.address().port);});This Express.js code will listen for requests to / (e.g., localhost:<port>/) and respond with the index.html file. That’s how the app knows to render our index.html code when the server is started.To use the SDK, we import it at the top of server.js. We also initialize a new Notion Client instance and set the auth option to the Notion API secret already set in the environment variables:JSXconst { Client } = require("@notionhq/client");const notion = new Client({ auth: process.env.NOTION_KEY });We can now make requests to Notion’s API in this file without having to worry about authentication again.Step 4: Handling the form’s POST request (server.js)Staying in server.js, we can add the following code that will be invoked when the database form makes a POST request to /databases:JSXapp.post("/databases", async function (request, response) { const pageId = process.env.NOTION_PAGE_ID; const title = request.body.dbName; try {// Notion API request! const newDb = await notion.databases.create({ parent: { type: "page_id", page_id: pageId, }, title: [ { type: "text", text: { content: title, }, }, ],