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Kelley Murphy is an accomplished real estate professional with over 20 years of experience in the industry, currently serving as the AVP and Director of Business Development for WFG National Title in Austin, Texas. Born in Dallas and a proud graduate of Texas Tech University, Kelley’s passion for real estate was ignited at a young age, being raised in a family deeply rooted in the business.
Before joining WFG National Title, Kelley gained valuable experience working in commercial real estate, which has provided her with a unique perspective and a wealth of expertise in both residential and commercial sales and marketing. Throughout her career, she has consistently earned top producer awards from 2013 to 2022 and was recognized as a 2022 Women in Business Nominee by the Austin Business Journal.
Kelley’s unwavering dedication to her clients is what truly sets her apart from the competition. She is passionate about partnering with clients to help grow their businesses, using her extensive knowledge of the industry to identify their needs and expectations, and providing tailored solutions through the use of specific tools and resources. Kelley’s strong personal drive and commitment to excellence allow her to offer unparalleled value and customer service to her clients.
A firm believer in earning her business and building lasting relationships, Kelley is always prepared to go above and beyond to exceed her clients’ expectations. With her focus, hard work, and the right business partners, success is a guarantee. Choose Kelley Murphy for your real estate needs, and experience the difference of working with a true industry professional.
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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 five simple cornerstones to serve you better.