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301 Sycamore Valley Road West Danville, CA 94526
Phone: 925-309-1010
License #: 5872-7
Office Hours:
• M – F
Closed: Weekends
JSetterlund@wfgtitle.comOffice: 925-309-1010
Direct: 925-557-5011
301 Sycamore Valley Road West Danville, CA 94526
CGula@wfgtitle.comOffice: 408-560-3000
Direct: 408-410-5046
39560 Stevenson Place Ste. 115, Fremont, CA 94539
BHammer@wfgtitle.comOffice: 925-359-5946
2800 West March Lane Suite 310, Stockton, CA 95219
johnmacwilliams@wfgtitle.comDirect: 209-319-7735
2800 West March Lane Suite 310, Stockton, CA 95219
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.
Dec 3🎄✨ 5 Tips for Hanging Holiday Lights ✨🎄 It’s the season to make your home shine! Before you deck the halls, check out these essential tips to keep your holiday light display safe and stun
Dec 2🚨 TOMORROW – DON’T MISS IT!!! 🚨 https://bit.ly/3UDQTaw WFG’s 2024 4th Quarter Economic Outlook Webinar is happening tomorrow, December 3rd at 10 AM PST. Join Patrick F. Stone, WFG’s Cha
Dec 2❄️🎄 ‘Tis the Season! 🎄❄️ Welcome December…the season of joy, gratitude, and new opportunities is here! At WFG, we’re ready to embrace the final month of the year, helping our custo
Nov 29🔐 𝗕𝗹𝗮𝗰𝗸 𝗙𝗿𝗶𝗱𝗮𝘆 𝗗𝗲𝗮𝗹𝘀 𝗔𝗿𝗲 𝗚𝗿𝗲𝗮𝘁, 𝗕𝘂𝘁 𝗦𝗲𝗰𝘂𝗿𝗶𝘁𝘆 𝗜𝘀 𝗣𝗿𝗶𝗰𝗲𝗹𝗲𝘀𝘀
Nov 27🦃🍁 𝗛𝗮𝗽𝗽𝘆 𝗧𝗵𝗮𝗻𝗸𝘀𝗴𝗶𝘃𝗶𝗻𝗴 𝗳𝗿𝗼𝗺 𝗪𝗙𝗚 𝗡𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗧𝗶𝘁𝗹𝗲! 🍁🦃 As we gather around the ta
Nov 27🦃 𝗧𝗵𝗮𝗻𝗸𝘀𝗴𝗶𝘃𝗶𝗻𝗴 𝗧𝗶𝘁𝗹𝗲 𝗛𝘂𝗺𝗼𝗿! 🦃 Why did the turkey refuse to cross the property line this Thanksgiving? Because it didn’t have
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