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Steve Spellerberg
Senior Account Executivesspellerberg@wfgtitle.comCell: 619-339-4743
9665 Granite Ridge Dr., Suite 210, San Diego, CA 92123
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About Me
Greetings; my name is Steve Spellerberg, and I have been in the real estate and mortgage industry for over 20 years, and am well versed in all of the different facets of real estate and loan transactions, allowing me to understand, identify, and resolve problems faster. From first contact to the closing of a transaction, it is my mission to provide a fully responsive, problem solving environment that ultimately makes my clients successful. I am passionate about helping my clients succeed with their business. I don’t succeed until my clients succeed!
I love my job, I love the people that I work with, and every morning when I head to work my goal is to provide excellent account service to my clients, as well as maximize their business development.
In addition, I have witnessed and experienced the changes in our industry over the years, and have kept current on all of the new technology and tools available that can help my clients with growing their business. As their account manager, it is my job to constantly make sure they are aware of every possible business advantage with WFG available to help them with succeeding in their business.
If you are looking for ways to help grow your business, or need help in this competitive market, please give me a call or send me an e-mail. I’m happy to meet with you to discuss how I can best serve your Title Insurance needs in Lending and Real Estate!
Make it a great day!
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.
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.
