Anna Gonzales

RESPA has made mandatory changes to be in effect by January 1, 2010 The objective is to help consumers shop for the best loan, leading to competition and lower prices. Disclose loan information to consumers early and in an easy to understand format. THE GFE and HUD-1 will look significantly different and will require a zero tolerance to certain categories. The HUD-1 will contain GFE numbered references and Lump and Dump fees. Many of the title and escrow fees will no longer be itemized. Escrow will be responsible for completing a new Page 3 to the HUD-1 that will include GFE fees and new loan terms.

When it comes to Experience the only name you need to know is Anna Gonzales, Business Development Representative.

Realtor Training - Title 101, New Agent training, Contract to Close, Property Taxes and Judgments, Probates & Other Curative Matters Classes.

Property Information Services - Tax, Deed, lien and other information for your customers.

Firstamconnect.com - Turn your utilities online.

Elistingservice.com - A program aimed at assisting an agent with setting up their own website, creating FSBO business and a great marketing tool to help get additional exposure on your listings.

Podcasting - A new emerging technologies designed to help real estate agents enhance their listings and drive more traffic to their websites.

RealTour Marketing Suite - Marketing tools to help promote branding through flyers, brochures, postcards and virtual tours.

Prelim HUD Creator - Microsoft Excel program designed to help you create estimated figures for your buyers and sellers.

Personal Business Plan Coaching - Use our customized business plan tool to help you set up your goals and a plan to achieve them for the coming year.

If interested in any of the above products please email me.

Title insurance has become an important necessity do to the high risk involved in buying, selling or financing real property.  The policy is insured at the date of transfer of the property from one party to the other for the cost of a one time premium charge set by the Texas Department of Insurance (TDI).  It is valid from that point until the property again changes ownership. 

While there should be no risks in transferring property, risks do exist.  Many "hidden" hazards to property ownership may show up unexpectedly in connection with the property.  Any one of them could mean a costly loss or require time consuming hours to clear.  Title insurance protects the buyer from damages and expenses incurred because of these possible defects.  The policy also protects the seller as to warranties and representation make at the conveyance of the property.  The following are a few examples of hidden problems:

1. Confusion from similarity of names.
2. Forged documents.
3. Signatures of minors or mentally incompetent persons.
4. Mistakes in recording legal documents.
5. Undisclosed or missing heirs.
6. Fraud.
7. Invalid divorces.
8. Misrepresentation of marital status.
9. Unpaid taxes or mechanics liens.
10. Clerical errors in public records.
11. Wills not probated.

When a policy of title insurance is issued by First American Title Insurance Company, the buyer, and seller, can rest assured that his property is protected, subject only to its terms and exceptions.  First American Title Insurance Company celebrated its first century of existence as a title insurer. We are among the nation's leading title insurers in dollar reserves against policies issued.  This means that First American Title has the strength, experience and reputation your agent should be looking for when recommending a g title company.

First American Title is the nations leading title insurer. Their underwriting strength, along with our years of service, insure both the real estate agent and their customers that we are going to be here for you, today, as well as many years from now. It is however our local commitment to the real estate professional that really matters the most. It is always our goal to Strive For Excellence in everything we do for you. When you walk into any First American Title office, you are truly family to us.

Why is this important? It allows the client and the agent to rest assure that their transaction is being handle with care. From the moment you drop off your contract to the closing room we will be working for you.