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2815 Townsgate Road, Suite 115 Westlake Village, CA 91361
Phone: 805-917-7020
Office Hours:
• M – F
Closed: Weekends
amilne@wfgtitle.comCell: 805-338-1005
2815 Townsgate Road, Suite 115 Westlake Village, CA 91361
lkartalian@wfgtitle.comDirect: 805-917-7021
Fax: 805-910-3780
2815 Townsgate Road #115, Westlake Village, CA 91361
sclawson@wfgtitle.comDirect: 805-917-7022
Fax: 805-910-3780
2815 Townsgate Road, Suite 115 Westlake Village, CA 91361
Title is a bundle of rights in real property. Protecting purchasers and lenders against loss is accomplished by the issuance of a title insurance policy. Usually, during a purchase transaction the lender requests a policy (commonly referred to as the Lender’s Policy) while the buyers receive their own policy (commonly referred to as an Owner’s Policy).
In short, the policy states that if the status of the title to a parcel of real property is other than as represented, and if the insured for that loss and any related legal expenses, up to the face amount of the policy, subject to exceptions and exclusions contained in the policy.
Typically there are two policies issued. The Mortgagee’s Policy insures the lender for the amount of the loan. The Owner’s Policy insures the purchaser for the purchase price.
While the function of most other forms of insurance is risk assumption through the pooling of risks or losses arising out of unforeseen future events (such as sickness or accidents), the primary purpose of title insurance is to eliminate risks and prevent losses caused by defects in title arising out of events that have happened in the past. To achieve this goal, title insurers perform an extensive search and examination of the public records to determine whether there are any adverse claims (title defects) attached to the subject property. Said defects/claims are either eliminated prior to the issuance of a title policy or their existence is excepted from coverage. Your policy is issued after the closing of your new home, for a one-time nominal fee, and is good for as long as you own the property.
Immediately contact your escrow officer and notify them if someone is unable to attend or sign the closing documents for any reason.
An escrow is an arrangement in which a neutral third party (the escrow agent) assembles and processes many of the components of a real estate transaction, records the transaction, and ultimately, disburses and distributes funds according to the buyers’, sellers’ and lenders’ instructions. Your transaction is typically closed by an Escrow Officer. People buying and selling real estate usually open an escrow for their protection and convenience. Both the buyer and seller rely on the escrow agent to carry out their written instructions relating to the transaction and to advise them if any of their instructions are not mutually consistent or cannot be carried out. If the instructions from all parties to an escrow party are clearly drafted, the escrow officer can proceed on behalf of the buyer and seller without further consultation. This saves much time and facilitates the closing of the transaction.
Bring government issued identification card like a driver’s license or passport. Identification, must include a picture and signature for notary purposes. In the event that you are a borrower some lenders require two forms of identification so it is always best to have two forms of identification with you.
No matter what side of the transaction you’re on, the ins and outs of real estate can be stressful. But we knew from the start that WFG could make things easier for everyone. Our company is built on five simple cornerstones to serve you better.
Apr 22🌍 Happy Earth Day from WFG! 🌱 At WFG, we’re committed to building sustainable futures. This Earth Day, let’s work together to make eco-friendly choices that benefit our planet and our commun
Apr 21🎉 15 Years of Innovation, Partnership & Purpose 🎉 From day one, WFG set out to do things differently—putting people first and building trust through transparency and collaboration. Now, we’
Apr 18🎉 15 Years of Partnership and Purpose — Because of YOU 💙 WFG was founded with a simple but powerful mission: simplify the real estate process, deliver transparency, and put people first. Fifte
Apr 17🌷🐰 Spring Title & Escrow Fun! 🐰🌷 Why did the bunny refuse to handle the title? Because it knew WFG could hop to it and ensure everything was in order! 🏡✨ At WFG, we’re here to hel
Apr 16At WFG, we’re on the hunt for the perfect transaction and finding the hidden eggs 🥚—ensuring everything goes off without a hitch. We want to make your spring season as carefree and delightful a
Apr 15📊 Happy Tax Day from WFG! 💰 Tax day is here, and it’s a great time to review potential financial benefits related to homeownership. Here are some general tax tips to consider: 🌟 Tax Tips t
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