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The Modern Day Agent

The Modern Day Agent

FETCH by WFG

FETCH by WFG

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Heather Twardus

Sr. Sales Executive

HTwardus@wfgtitle.comOffice: 408-603-2000
Direct: 408-781-1699

2105 S. Bascom Avenue, Suite 100, Campbell, CA 95008

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About Me

Heather Twardus has over 20 years of experience in the escrow and title industry serving Lenders, Brokers, Real Estate Agents and Escrow companies. She is focused on what is most important to her customers which is Communication, Listening and being available to them to offer guidance at all times.

Heather is energetic, knowledgeable and not only offers incomparable service in Escrow and Title, she prides herself on being a connector and networking to increase business over 10% year over year.

She believes a sense of humor is a necessity in this business and loves to make people laugh with her friendly sense of humor. Heather thinks outside of the box and becomes an asset to her clients by collaborating with them and always keeping abreast with what is going on in the industry. She keeps up with the daily real estate news as well as technologies that can help further her clients’ business.

Heather says, “Working in the real estate community over the years I have developed loyal customers and most importantly friendships that last a lifetime because I’m honest and remain goal focused. Helping my clients with their business plans each year is rewarding, as it makes me feel that I’m part of their team and making a difference in their business!”

Team is everything to Heather and she keeps in close contact with her Escrow officers and Escrow assistants to ensure that WFG is providing an outstanding experience to all parties on each transaction.

Heather says, “I’m also extremely competitive by nature and I like to push myself and deliver value consistently to all of my existing clients and new clients. I love this industry that I am in because  I learn so much from my clients, and I’m so thankful to be part of an amazing real estate community  personally and professionally.”

Please review Heather’s recommendations on LinkedIn and my Google Business Page

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What IS Title insurance

Answering all your questions

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 fo 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.

YOUR BEST INTEREST FIRST

How WFG is built for 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 four simple cornerstones to serve you better.

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