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Mary Darst-Yarbrough

Commercial Escrow Officer

mdarst-yarbrough@wfgtitle.comOffice: 972-206-7470
Fax: 972-262-6358

4606 Park Springs Blvd., Suite 110 Arlington, TX 76017

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About Me

Mary Darst-Yarbrough is a Commercial Escrow Officer in the Transportation/Right of Way Division, specializing in state and municipal acquisitions of land and property for roads, bridges and easements. Mary believes that her years of experience in the right-of-way industry gives her a unique perspective on each transaction. Mary came to the title industry over a decade ago after a career with the Texas Department of Transportation, where she handled all facets of property acquisition for the State of Texas, working on several hundred right-of-way projects from initial offer to eminent domain.

Mary is a lifelong resident of Terrell, Texas, where she grew up on her parents’ farm and has seen the city grow from a small farming community to a thriving city along the Interstate 20 corridor. Mary is the proud grandmother of eleven grandchildren and four great-grandchildren. She spends her spare time enjoying “antiquing” at the close by Canton Trade Days, helping her husband with his hand-crafted furniture business, and chasing her collection of cats.

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Because of you, I WILL bring my experience, creativity and innovation to every transaction.”

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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 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.


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