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Joe Setterlund is an East Coast transplant residing in the East Bay with his teenage son Jaiden. Joe has now worked with his remarkable team of escrow officers and assistants for over six years now.
Joe and his Title & Escrow Team have been making their mark on the real estate community and growing their market share with WFG National Title Company in Danville since September of 2017. WFG’S award winning consumer dashboard “Myhome” has been a major differentiator for this team along with their partnership with “West” the real estate minded and forward thinking tech arm of Williston Financial Group.
Joe understands that good salespeople do not just “close a sale, they open a relationship.” “WFG’s clients are the root and life blood of our business!” Delivering superior customer service is Joe’s top priority, which has empowered him to build long-standing business relationships that continue to grow.
Joe’s career as a Sales Executive serving the title industry has taught him the importance of knowing the markets that he and his team serve. He has an acute understanding of the tools and products that can help deliver outstanding results to his clients.
Above all, Joe understands that sales may go up and down, but service is forever. It’s this approach that has made him a valuable resource to clients and partners alike throughout his career.
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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.
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.