Countryside Mortgage Las Vegas Blog

First American is the nation's largest data provider, supplying information resources and services that impact the major economic events of people's lives. We serve mortgage, real estate, and consumer-related businesses, as well as consumers themselves, with the data to help them make decisions, operate their businesses, and advance their lives. Tracing our history to 1889, The First American Corporation (NYSE: FAF) is based in Santa Ana, California. Today, with revenues exceeding $6 billion, our company has 31,000 employees and 2,000 offices throughout the United States and abroad. For more detailed information about First American, please visit our Web site at: www.firstam.com

Pacific Northwest Title, a sister company of First American Title Insurance Company, traces its history back to 1889. One of the largest title insurers in the nation, the company offers title services through its direct operations and an extensive network of agents throughout the United States and abroad. The company has its headquarters in Santa Ana, California. Information about The First American Corporation's subsidiaries and an archive of its press releases can be found on the Internet at www.firstam.com.

The successful candidate will:

• Greet and direct visitors in the office. Operate multi-line telephone system to answer incoming calls and direct callers to appropriate personnel.

• Retrieve messages from voice mail and forward to appropriate personnel.
• Answer incoming telephone calls, determine purpose of callers, and forward calls to appropriate personnel or department; take and deliver messages or transfer calls to voice mail when appropriate personnel are unavailable.
• Answer questions about organization and provide callers with address, directions, and other information; welcome on-site visitors, determine nature of business, and announce visitors to appropriate personnel. Perform a host of customer service duties such as receiving calls and requests from the general public, real estate agents/brokers, lenders or other agencies. The type of request may depend on the business segment. Most requests are related to gathering information on real property. Performs semi-routine clerical tasks in handling customer service inquiries and problems. Interfaces with customers typically by telephone, fax or email to resolve queries/problems. Follows established company guidelines for responding to requests for information and service. Builds rapport with customers. Maintains logs, records and files.

Qualifications:

*Experience in the Title industry is preferred, not required.

The First American Corporation is an Equal Employment Opportunity/Affirmative Action employer. Qualified applicants are considered for employment and employees are treated during employment without regard to race, color, religion, gender, sexual orientation, national origin, age, physical or mental disability, medical condition, religion, marital status or veteran status, or any other characteristic protected by state or federal law.

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When you are in a Chapter 13 bankruptcy and the mortgage company refuses to accept your mortgage payment, you need to call my office and set up an appointment with me as soon as you can.  We must make sure that your mortgage payment is accepted.

Sometimes, when a person files a Chapter 13 bankruptcy, a mortgage company might refuse to accept electronic payment over the phone.  This does not mean that they won’t accept a physical check from you.  The best way to do it is to mail the check to the mortgage company return receipt requested.  This way, you have proof as to when you mailed the payment so that they can’t try to stick you with late fees.

If they refuse to accept your check that was sent in the mail, we must find out why they are refusing it.  Refusing your monthly payment is what a mortgage company usually does right before they are getting ready to foreclose on your house.

At the beginning of your Chapter 13 case, a mortgage company will sometimes make the mistake of ignoring that fact that you are under bankruptcy protection and that the past mortgage payments are included in the Chapter 13 plan.  If this happens, I want to educate them with a written letter.

I’ve had some clients in the past who had their mortgage payments sent back to them and then they spent the money.  A few months later, the mortgage company filed a Motion for Relief from the Automatic Stay and wanted to charge my client attorneys fees for the filing the motion.  Even though the mortgage company created the problem by sending the money back to the client, they wanted to be paid attorney fees for the motion because the client was not able to bring the payments current.

Don’t allow yourself to put in this predicament.  If they mortgage company sends back the payment to you, don’t spend the money!  Save your proof that the mortgage payment was rejected.  Call my office and lets make sure the mortgage company accepts your payment without trying to penalize you.

Other Posts:

1.  The Automatic Stay

2.  Can I Wipe Out My Second Mortgage in Chapter 13?

3.  Mortgage Scams

4.  Bankruptcy and the taxation of my house by the IRS after foreclosure /a>

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Question from an IIABNY member: We are looking for someone that can tell us what Senate Bill 5110, which changes the authority for municipal reciprocals, means. What does it allow the reciprocals to offer for insurance in New York?  Does the reciprocal now have the ability to bond all employees for dishonesty beyond the individuals doing official undertakings? Or is it just the people handling the financials? Such a bond would be a blanket bond and not a specific bond on a person or job title? Can the reciprocal offer that? Does the reciprocal have the ability to offer crime insurance for non-employees such as forgery, money and securities, computer fraud and wire transfer? If they do not now would it be just a matter of them filing the necessary paperwork to be able to offer this type of insurance?

Answer: Senate Bill 5110, which the governor signed into law on Aug. 13, changes N.Y. Insurance Law Sect. 6102(a). That section permits 25 or more various governmental units (counties, towns, school districts, etc.) to organize a statewide municipal reciprocal insurer. Under the prior law, the reciprocal could provide one or more of the following coverages:

• Fire
• Burglary and theft
• Glass
• Boiler and machinery
• Elevator
• Animal
• Personal injury liability
• Property damage liability
• Marine protection and indemnity

The new law authorizes the reciprocal to provide fidelity and surety for official undertakings conditioned for the faithful performance of official duties by a public officer, as referenced in N.Y. Public Officers Law Sect. 11. N.Y. Public Officers Law Sect. 2 defines “officers” this way:

The term "state officer" includes every officer for whom all the electors of the state are entitled to vote, members of the legislature, justices of the supreme court, regents of the university, and every officer, appointed by one or more state officers, or by the legislature,  and  authorized  to exercise his official functions throughout the entire state, or without limitation to any political subdivision of the state, except United States senators, members of congress, and electors for president and vice-president of the United States. The term "local officer" includes every other officer who is elected by the electors of a portion only of the state, every officer of a political subdivision or municipal corporation of the state, and every officer limited in the execution of his official functions to a portion only of the state. The office of a state officer is a state office. The office of a local officer is a local office.

Therefore, the reciprocal’s ability to offer fidelity and surety coverage is limited only to officers as defined above and not to all municipal or state employees. As to the structure of the bonds (blanket vs. position), I imagine that they would probably be position or name based, since it is only certain officeholders who must obtain these bonds.

With regard to whether the reciprocal can offer crime insurance, you have to refer back to the definitions of “burglary and theft insurance” and “fidelity and surety insurance” in N.Y. Insurance Law Sect. 1113(a). Sorry, but they’re kind of long:

(7) " Burglary and theft insurance ," means:

(A) Insurance against loss of, or damage to, any property resulting from burglary, theft, larceny, robbery, forgery, fraud, vandalism, malicious mischief, confiscation, or wrongful conversion, disposal, or concealment by any person, or from any attempt thereof;

(B) Insurance against loss of, or damage to, moneys, coins, bullion, securities, notes, drafts, acceptances, or any other valuable papers or documents, resulting from any cause, except while in the custody or possession of, and being transported by, any carrier for hire or in the mail;

(C) Insurance of individuals by means of an all-risk type of policy commonly known as the "Personal Property Floater" against any kind and all kinds of loss of, or damage to, or loss of use of, any personal property other than merchandise;

(D) Insurance covering a ransom or reward payment incurred as the result of an abduction or the theft of property; travel and lodging expense and lost wages incurred as the result of an act or threatened act of violence; expense incurred to locate or identify a missing or abducted person; or other expenses to respond to a violent act or threatened act, or to prevent a reoccurrence thereof; and

(E) Insurance against losses and expenses resulting from a " stolen identity event ," which shall include the theft, accidental release, or publication of, or misappropriation of information related to, an individual's personal identification, social security number, or other method of identifying the individual, that has resulted in, or could reasonably result in, the wrongful use of the information.

(16) " Fidelity and surety insurance ," means:

(A) Guaranteeing the fidelity of persons holding positions of public or private trust; and indemnifying banks, thrifts, brokers and other financial institutions against loss of money, securities, negotiable instruments, other specified valuable papers and tangible items of personal property caused by larceny, misplacement, destruction or other stated perils including loss while being transported in an armored motor vehicle or by messenger; and insurance for loss caused by the forgery of signatures on, or alteration of, specified documents and valuable papers;

(B) Insurance against losses that financial institutions become legally obligated to pay by reason of loss of customers' property from safe deposit boxes;

(C) Any contract bond; including a bid, payment or maintenance bond or a performance bond where the bond is guaranteeing the execution of any contract other than a contract of indebtedness or other monetary obligation;

(D) An indemnity bond for the benefit of a public body, railroad or charitable organization; a lost security or utility payment bond;

(E) Becoming surety on, or guaranteeing the performance of, any lawful contract, not specifically provided for in this paragraph, but does not include becoming surety on, or guaranteeing the performance of:

(i) any insurance contract except as authorized pursuant to section one thousand one hundred fourteen of this article; or

(ii) any contract, if becoming surety on, or guaranteeing the performance of that contract, would constitute:

a. mortgage guaranty insurance as defined in subsection (a) of section six thousand five hundred one of this chapter;

b. financial guaranty insurance as defined in subsection (a) of section six thousand nine hundred one of this chapter; or

c. service contract reimbursement insurance as defined in paragraph twenty-eight of this subsection;

(F) Becoming surety on, or guaranteeing the performance of, bonds and undertakings required or permitted in all judicial proceedings or otherwise by law allowed, including surety bonds accepted by states and municipal authorities in lieu of deposits as security for the performance of insurance contracts;

(G) Becoming surety on, or guaranteeing the performance of, any agreement for the lease or rental of non-residential real property or tangible personal property, provided that the obligation of the insurer shall not exceed a period of five years, and the bond is not issued directly or indirectly in connection with the sale of securities, a pooling of financial assets or a credit default swap as defined by article sixty-nine of this chapter;

(H) Becoming surety on, or guaranteeing the performance of, a contract of indebtedness or other monetary obligation where: (i) the aggregate gross principal, interest, and other amounts of indebtedness or other monetary obligations of any obligor whose obligations are guaranteed by the insurer under all bonds issued to that obligor pursuant to this subparagraph by the insurer does not exceed ten million dollars; and (ii) the bond is not issued directly or indirectly in connection with the sale of securities, a pooling of financial assets, or a credit default swap as defined by article sixty-nine of this chapter; and (iii) the bond by its terms terminates upon any sale or other transfer of the insured obligation in connection with the sale of securities, a pooling of financial assets, or a credit default swap as defined by article sixty-nine of this chapter;

(I) A depository bond that insures deposits in financial institutions to the extent of the excess over the amount insured by the Federal Deposit Insurance Corporation; and

(J) Becoming surety on, or guaranteeing the performance of, a bond, which shall not exceed a period greater than five years, that guarantees the payment of a premium, deductible, or self-insured retention to an insurer issuing a workers' compensation or liability policy.

In this chapter "fidelity" insurance shall have the meaning set forth in subparagraphs (A) and (B) of this paragraph.

It appears that the law authorizes the reciprocal to provide money and securities, computer fraud, forgery, and wire transfer insurance. As you suggested, the reciprocal must file its program with the Insurance Department if it hasn’t already.

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Closing the Sale

Escrow
To finalize the sale of the home a neutral, third party (the escrow holder, a.k.a. escrow agent) is engaged to assure the transaction will close properly and on time. The escrow holder insures that all terms and conditions of the seller's and buyer's agreement are met prior to the sale being finalized, including receiving funds and documents, completing required forms, and obtaining the release documents for any loans or liens that have been paid off with the transaction, assuring you clear title to your property before the purchase price is fully paid.

Visionaries and owners Chad and Stephani Olson explain that with the Internet becoming the standard for gaining information, churchshoppers.com helps American families find the most compatible home church based on important areas of preference, including, denomination, location, preaching and music style, ministries offered and more.

Using sophisticated search engines, Churchshoppers allows searchers to enter criterion based on a variety of preferences. Search results are provided from a base of over 100,000 churches and ministries of all denominations. Their results provide complete profiles of the churches, including web addresses, photo images and even a video welcome message from the Pastor.

In addition, churches may make use of Churchshoppers directory at very affordable rates. Services to churches include a detailed church profile with audio and visual capabilities, quarterly traffic inquiry report upon request, monthly E-zines on church marketing and growth, Google mapping features, as well as special online forums on church marketing “Our mission is to match individuals and families to the church that best fits their personal preferences and spiritual compatibilities and in turn see Bible believing churches grow and flourish. We are not the typical Church Directory, but more like a match making site, pairing the right people to the right church,” says Olson.

Visitors to churchshoppers.com will find the site easily because of its high visibility through national and local search engine phrase/optimization, along with a host of community link sources which provide visitors to the site with a user-friendly means of searching for a church.

Churchshoppers.com’s focus is to help those people who are away from home, re-locating to a new area, or simply need a fresh start, narrow down the field from hundreds of churches to a select group of churches with whom they share deep levels of compatibility.

For further information, please contact:

1.866.695.8362

http://www.churchshoppers.com[churchshoppers.com



Author Information

Stephani Olson
CHURCHSHOPPERS.COM