Archive for the ‘Sellers’ Category

HEFI, Home Equity Fractional Interest-A Win/Win

Monday, March 29th, 2010

Ask anyone that knows anything about our housing market and they will most likely agree that we need to keep more people in their homes to begin a housing recovery.  The problem is that loan modification as we know it is non-existent and short sale or foreclosure obviously don’t do anything but make the situation worse. You would think that loan modification would be the best route.  You would of thought that until the FDIC  announced that over half of the borrowers who received a loan modification that did not include a principal reduction re-defaulted after multiple payments. What if the Servicer could reduce the principal on a mortgage in exchange for an option to share in the equity and potential appreciation of the property? Wouldn’t it be great to have a program that addresses the real problem….keeping people in their homes?

  • What if there was a way to reduce or eliminate the Lenders loss mitigation costs normally associated with a Short-sale or Foreclosure?
  • What if the Lender had a financial incentive to reduce the principal balance on a mortgage in a loan modification
  • What if there was a real incentive to the Homeowner to stay in their home and not go to Foreclosure or Short sale?
  • What if the Homeowner was able to stay in their home without the damage to their credit associated with a Short sale or Foreclosure?
  • What if the Lender could participate directly in a borrower’s successful retention of their home vs. a second lien position?

All the above is possible with HEFI Home Equity Fractional Interest. HUD first proposed a program called “Hope For Homeowners” (H4H) last August that was based upon some of the themes above and it has failed miserably. Hope For Homeowners penalized the lender who was taking the biggest loss by passing the benefit of the Shared Equity to HUD and Ginnie Mae when the home appreciated with no return of the forgiven debt back to the original Lender that would reduce the principal balance.

  • Why not a Win / Win?
  • Why not have the Lender that is reducing the principal balance retain the equity?
  • Why should the existing Lender be forced to sell off the now performing senior mortgage?
  • Why not retain the newly performing loan and sell that loan at a future date at Fair Market Value instead of at a discount?

HEFI provides the Homeowner with a partner in their successful retention of their home instead of having their equity shared for life, as it is in Hope For Homeowners. In a Home Equity Fractional Interest (HEFI) the homeowner retains the right to redeem the HEFI and regain 100% of the home’s equity and allows the Lender that exchanged the reduced principal balance for a HEFI to maximize his recovery.

Some Benefits of HEFI

  • Homeowners get to stay in their homes by granting a fraction of equity
  • Homeowners retain their ownership rights
  • Foreclosure costs to the surrounding community are avoided
  • Homeowners preserve their equity and maintain their properties
  • Likelihood of a re-default is mitigated
  • In the event of default, the HEFI converts into a Tenants-In-Common allowing the HEFI owner to sell the home as a resale

There are several servicers testing HEFI throughout the country, several of the experts I have spoken to believe HEFI is a reality that will soon be a viable option for banks and struggling homeowners.

For more information about HEFI, contact  EquiDebt Solutions

Thanks to Don Doerr and Doug Farnham or Thomson Conant’s  Mortgage Mediation Group

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Fannie Mae Now Allows Buyer to Choose Their Own Title Company-Yipee

Tuesday, March 9th, 2010

You take a buyer out, after showing them 10-20 homes, they identify the home of their dreams, It’s an REO, most likely.  Now you go through the hassle of getting in touch with the listing agent, is the house still available? You write on the house, submit the contract. There are 22 offers already.

Counter-Highest and Best

Contract Accepted-You Got it- Yipee!

Now, you are told you have 24 hours to open escrow, oh yea and “You Must Use XYZ Title company in Peoria, Scottsdale maybe Glendale-one thing is for sure, it will be nowhere near where you or your client are. Oh and mobile signing (HA-Forget about it!)

Escrow is open:

Trying to get a hold of the escrow officer-not fun-Voicemail

Assistant-doesn’t know much about your file-Voicemail.

Frustration-If You Could Only Choose Your Own Title Company!! This would have never happened!

Well, Now you can. That’s because Fannie Mae will now allow your buyer to choose their own title company!

Fannie Mae has altered their sales addendum for REO properties so the buyer can now choose their own title company.   When you see the addendum to the contract, review Section 2B, page 1, line 4; Look for “The closing shall be held at a place so designated and approved by the Purchaser“. The truth is, your clients have always had the right to choose the title company and the addendum change now reinforces that right.

What does this mean to you? Well, if you choose Old Republic Title Agency, you will:

Get a fantastic service experience with one of the best escrow officers around

Old Republic Title Agency is one of few title companies in the valley that works with Fannie Mae

You get to take advantage of our Advantage Program!

The Old Republic Title Insurance Group has An A to A+ financial stability rating from Standard and Poor, Moody’s, Fitch and A.M. Best. We are not going anywhere. Your clients Title Policy will be there if its ever needed.

Unsurpassed Ratings





And get this, we answer the phone! Lack of Communication is the #1 complaint in the Real Estate Industry-Isn’t that sad? In a service occupation like escrow and title many have forgetten the Service! We have not.

I will be more than happy to pick up your contract and drop off your check at closing.


We hope you will choose Old Republic Title Agency on your next escrow. Thank you!

Old Republic Title Agency
1744 S. Val Vista Drive Suite 213
Mesa, AZ 85204
Office: 480.892.2306
Fax:     480.892.2680

For All Your Marketing, Escrow and Title Needs


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Your Arizona Home Was Sold At Auction-What Are Your Rights? UPDATED

Tuesday, March 9th, 2010

You are having financial problems, you may be under employed or unemployed.  You can no longer make the payments on your home. You have submitted the necessary paperwork to your lender in the hopes of qualifying for a loan modification. To add a little more stress, your home is scheduled to go to public auction.

As stressful as the above situation is, imagine this: While your attempting to qualify for a loan modification, there is a knock at the door.

It’s the new owner.

Yep-it turns out that while the $10 per hour customer service rep at your mortgage company was telling you “everything is going to be fine, we have postponed the trustee sale” your home went to sale and was purchased for pennies on the dollar.

Now the new owner is telling you “you need to move out-today!“  You are scared, and you don’t understand Arizona law.

But do you really need to move out immediately? What are your rights?

Arizona Revised Statutes 12-1171 through 12-1183 are the state of Arizona’s laws for the foreclosure-eviction process.

Article 4 – Forcible Entry and Detainer

  • 12-1171 – Acts which constitute forcible entry or detainer
  • 12-1172 – Definition of forcible entry
  • 12-1173 – Definition of forcible detainer; substitution of parties
  • 12-1173.01 – Additional definition of forcible detainer
  • 12-1174 – Immateriality of time possession obtained by tenant
  • 12-1175 – Complaint and answer; service and return
  • 12-1176 – Demand for jury; trial procedure
  • 12-1177 – Trial and issue; postponement of trial
  • 12-1178 – Judgment; writ of restitution; limitation on issuance; criminal violation; notice
  • 12-1179 – Appeal to superior court; notice; bond
  • 12-1180 – Stay of proceedings on judgment; record on appeal
  • 12-1181 – Trial and judgment on appeal; writ of restitution
  • 12-1182 – Appeal to supreme court; stay and bond
  • 12-1183 – Proceedings no bar to certain actions

Michelle Lind, general counsel for the Arizona Association of Realtors, explained to the Arizona Republic how Arizona’s eviction laws work.

“The buyer of a foreclosure home has to give the home’s former owner notice to move out,” she said. “If after five days the former owner doesn’t move out, the new owner can file with the courts for a forcible eviction.”

If you believe you are losing your home illegally, you can hire an attorney and fight the sale and/or the eviction.

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What’s Old Republic Title Agency’s Advantage Program?

Monday, March 8th, 2010

AAH-the good old days-

Remember the good old days when at the end of a signing your clients would get a copy of everything that was signed or reviewed at the closing? You know, that big heavy package filled with copies of the purchase contract, note, deed of trust, pre-audit, final HUD 1, title commitment, invoices, home warranty information, appraisal, signed loan documents, escrow instructions, seller payoff and new lender information? (Breathe)

Well the old days are over at Old Republic Title Agency. That’s because we recently started Advantage.

Advantage is a CD that provides instant access to pertinent documents, it’s convenience at its finest. Advantage transforms your customers bulky unorganized file into a small company disc.

Tim Loria, Realtor-JK Realty

Caption: Tim Loria, Realtor with JK Realty in Mesa receiving his Advantage CD from a recent closing.

Benefits of Advantage

  • Handy access for all future financial transactions
  • Your clients will keep CD’s more often than large paper files
  • Professional, finished product with no additional cost at closing
  • Each time the CD is used they are reminded of who gave it to them-YOU
  • Your name and contact information are prominently displayed on the CD
  • Organized in an efficient manner around the needs of your client
  • Can be used as a valuable mailing piece at tax time
  • Its GREEN! You’re saving trees

Did you know that home warranty is the #1 referenced information after the closing…..more opportunity to see your name and contact information-again-helps with client retention.

For more information about Advantage or to find out other ways I can help build your business, please call or email me.

Old Republic Title Agency
1744 S. Val Vista Drive #213
Mesa, AZ 85204
Office: 480-892-2306
Fax:    480-892-2680

For All Your Marketing, Escrow and Title Needs

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Strategic Default-The New Reality-Updated

Saturday, March 6th, 2010

Strategic Default is a buzz word this year. In case you live under a rock and have not heard of the term before, in a nutshell, strategic default is when someone intentionally “walks away” from their home, even though they could afford to make the mortgage payment.

There are 2 sides to every debate and this one is no different.

There are those that believe they made a commitment, gave their word and they should live up to their obligation. Period.

Then there are those that see strategic default as a business decision. They see walking away from their home as more financially advantageous than continuing to make the mortgage payment.

Now……I have my own opinion regarding strategic default, one that I won’t share here. I did however come across an excellent video titled “Three Steps To Plan for Strategic Default”.

Once again, I don’t necessarily support either side, but this is great information to consider.

If you are a homeowner in the Phoenix Metro area and are considering walking away from your home, you may find short sale to be a better option.  Please call or email me for a confidential referral to a Certified Distressed Property Expert (CDPE) Realtor that can better explain your options.

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Arizona Homeowners: How Changes In Short Sale Rules Benefit You.

Sunday, February 28th, 2010

A short sale of real estate occurs when a property is sold and the lender agrees to accept less than is owed on the property. The lender agrees to release the lien that is secured on the  property upon receipt of less money than is actually owed on the home. Until recently, a short sale usually occurred when a homeowner could not make their payment on the property. Until recently….

Breaking news regarding short sales.

The rules are changing in regards to short sale.  In December, HUD announced that they will now insure FHA loans. If you are able to sell your house while you are current, you will no longer need to wait 2-3 years to purchase a home again. You can purchase immediately. In fact, in some instances, you can purchase a home 1 day after your short sale is completed.

Of course there are some rules

  • Must be current on your mortgage for the previous 12 months
  • Must have a case to move. You cannot take advantage of this program to financially benefit yourself. Acceptable reasons include divorce, job relocation, marriage, birth of a child etc…

Your short sale will in effect become a normal transaction.

More help for struggling homeowners

HAMP and HAFA

Housing Affordable  Modification Program: This  plan involves a straightforward trade-off. The government asks lenders to cut mortgage payments for eligible applicants by lowering their interest rates or extending the life of their loans. In return, the Treasury reimburses lenders for some of their costs. The lender will have to first reduce payments on mortgages to no greater than 38% Front-End Debt-to-Income (DTI) ratio. The treasury will match further reductions in monthly payments dollar-for-dollar with the lender/investor, down to a 31% Front-End DTI ratio for the borrower.

Millions of homeowners who are regular in their mortgage payments, but having difficulty making the payments and the borrowers who have already missed one or more payments may be eligible for loan modification.

Housing Affordable Foreclosure Alternatives

HAFA is part of the Home Affordable Modification Program or HAMP.  The Housing Affordable Foreclosure Alternatives Act or HAFA provides incentives in connection with a short sale or a deed-in-lieu of foreclosure (DIL) used to avoid foreclosure on a loan eligible for modification under the HAMP program.

HAFA provides streamlined short sale rules and incentives for borrowers and lenders to work together to avoid foreclosure. The rules — in effect between April 5, 2010, and Dec. 31, 2012 — will speed up the short sale process.

To be eligible for HAFA, homeowners must first apply for a loan modification through the Home Affordable Modification Program, or HAMP. Owners who do not qualify for a loan modification or miss payments during the initial loan modification period qualify for HAFA.

HAFA requirements include:

  • Property must be a principal residence.
  • Mortgage must be originated before Jan. 1, 2009.
  • Mortgage must be owned or guaranteed by Fannie Mae or Freddie Mac.
  • The borrower is delinquent or default is foreseeable.
  • The Homeowner demonstrates a hardship.
  • The Borrower’s total monthly housing payment must exceed 31 percent of gross income.
  • The unpaid principal balance must not exceed $729,750.

Because I work for a title company, I have the honor of working with some of the best Realtors in Arizona. If you are an Arizona homeowner and are considering a short sale please contact me for a referral to a CDPE (Certified Distressed Property Expert) Realtor that specializes in short sales. Thank you.

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HAMP-Housing Affordable Mortgage Program-January 2010 Results

Thursday, February 18th, 2010

The Home Affordable Modification Program or HAMP allows for loan modifications for those that can no longer afford to make their monthly mortgage payments. You may qualify for a loan modification under HAMP to make your payments more affordable. Millions of borrowers who are current, but are having difficulty making their payments and borrowers who have already missed one or more payments may be eligible. Under HAMP the borrower must answer these 5 questions:

HAMP

“The Home Affordable Modification Program site then helps to determine if you are eligible, but only the servicer of the loan can tell you if you qualify. To qualify, you will generally need to show that you have adequate income to make the reduced payments on an ongoing basis and that modification is an appropriate option given the characteristics of your mortgage and the value of your home.”

Servicer Performance Report Through January 2010

Mortgage servicers have recently increased efforts to change trial modifications to permanent status under the Obama administration’s Home Affordable Modification Program (HAMP), nearly doubling the number in just over one month.

The U.S. Treasury released it’s January report on Wednesday that showed 116,297 homeowners were in permanent modifications as of the end of January 2010.

76,482 more have received offers for a permanent restructuring. The Treasury said the data “marked record progress.” January marked the first time that the pace of permanent conversions exceeded that of new trials – most likely proof of intense pressure placed on the servicers by the Obama administration over the last few months to increase permanent modifications.

From December to January, Permanent modifications jumped 75 percent. During the same period new trials rose by about 9 percent. To date there has been nearly 1.3 million trial modification offers extended to struggling homeowners since the program began almost a year ago, Treasury officials say HAMP is on pace to meet its goal of helping three to four million borrowers hang on to their homes by the end of 2012.

The Treasury department estimates there are 5.6 million homeowners who are currently 60 days behind on their payments.  1.7 million of them are eligible for assistance through HAMP, according to the Treasury’s figures. The number of HAMP-eligible homeowners is expected to grow over the next three years, officials said, as delinquencies increase.

The January Treasury report shows that 60,476 trial modifications have been canceled, and 1,005 permanent modifications have been terminated, an indication the borrower may have failed to stay current on the new payment

Modification Results

According to the January report, the monthly payment reduction for borrowers enrolled in the program is $522.  According to the administration, 100 percent of the permanent modifications have reduced the interest rate, 42 percent have extended the loan term, and 27 percent have included principal reduction.

As of the end of January, CitiMortgage and GMAC Mortgage have provided modifications to 50 percent of their eligible borrowers. Citi has converted 10,929 modifications to permanent status. GMAC has converted 11,494 of its home loans to permanent status as well. Saxon Mortgage Servicing has 48 percent of its eligible borrowers in a trial or permanent modification, completing 5,312 permanent modifications.

JPMorgan has made 11,581 modifications permanent, and has 17,959 pending. Wells Fargo has completed the most permanent conversions, with 17,652. Bank of America has put 22 percent of its eligible borrowers into modifications and made 12,761 permanent.

What do you think….Does HAMP go far enough to save struggling homeowners?

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Strategic Default, The New Reality

Monday, February 15th, 2010

In an economy where hundreds of thousands of people are losing their homes to foreclosure, It comes as a surprise to many that some are intentionally walking away from their homes, called strategic default.  A strategic default is an intentional decision by a borrower to stop making their mortgage payment. What’s interesting with a strategic default is-the borrower can usually afford to make their payment but strategically choose not to because they believe it’s better for their finances. Strategic default usually happens when there is a substantial difference between what is owed on the home and what it’s actually worth, commonly known as being “underwater”.

Strategic default is a relatively new term in the real estate industry, and is somewhat confined to boom states like California, Florida, Nevada and yes, Arizona.   Nationally there appears to be an upward trend in strategic defaults. A study by Experian and Oliver Wyman reports the number of so called “strategic defaults” more than doubled, to 588,000, from 2007 to 2008.  Another 2009 survey found that more than a quarter of all existing defaults were strategic.  An increasing number of academics are praising the financial benefits of walking away. “Homeowners should be walking away in droves,” Brent T. White, a University of Arizona law school professor, said in a recent paper. “The financial costs of foreclosure, while not insignificant, are minimal compared to the financial benefit of strategic default.”

White uses the following example to demonstrate how many borrowers are better off defaulting: A young professional couple with two children pays $585,000 for a three-bedroom, Salinas, Calif.-home in January 2006. At $4,300, monthly payments on their no-money-down, 30-year fixed mortgage with an interest rate of 6.5 percent represent a tad less than 31 percent of their gross monthly income. Toss in taxes, student loans, health care, food, and other essentials, and finances quickly get tight.

After the historic housing bust, their home is now worth $187,000, but they still owe $560,000. Other homes in their neighborhood, of course, have plummeted in value as well. And if the couple was to purchase a similar, nearby house listed at $179,000, their monthly payments would be less than $1,200. That’s a huge savings over their current $4,300 monthly mortgage bill. But since a foreclosure on their credit report is likely to prevent them from buying a home in the near-term, they may have to rent. And about $1,000 a month gets them a comparable rental property in their neighborhood.

“Assuming they intend to stay in their home ten years, [the homeowners] would save approximately $340,000 by walking away, including a monthly savings of at least $1,700 on rent verses mortgage payments, even after factoring in the mortgage interest tax reduction,” White writes. “If they stay in their home, on the other hand, it will take [the homeowners] over 60 years just to recover their equity—assuming, of course, that they live that long.”

The argument against strategically defaulting is based upon your word: You promised to repay the loan when you took out the mortgage, it’s your responsibility to do everything possible to respect that obligation. Avoiding the guilt and shame that can go with a foreclosure is one of the top reasons struggling homeowners don’t strategically default.

What do you think, Is strategic default a good option? Is there any shame attached to strategic default?

MyTitleGuy

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Short Sale Legislation To Take Effect in April 2010

Wednesday, February 10th, 2010
short sale

HAFA

“A short sale is a sale of real estate in which the sale proceeds fall short of the balance owed on the loan. It usually happens when a seller cannot pay the mortgage on their property, but the lender decides that selling the property at a loss is better than foreclosure. Both parties then consent to the short sale process, because it allows them to avoid foreclosure, which usually involves high fees for the bank and a poor credit report rating for the borrowers. This agreement, however, does not always release the borrower from the obligation to pay the remaining balance of the loan, known as the deficiency.”

As a Realtor you know there is nothing short about a short sale. In fact, its not uncommon for a short sale to take over 6 months to finally close, that’s IF it’s approved.  A lender will sometimes authorize a short sale if:

  • The Mortgage Value has dropped
  • The Mortgage is in or near default
  • The seller is experiencing a Hardship (Unemployment, Divorce, Bankruptcy, Illness)

Because there is sometimes no rhyme or reason to a short sale, there are many scenarios where the seller offers their home for short sale, a ready, willing and able buyer is found but while waiting for bank approval, the home is lost to foreclosure. This problem will only be exacerbated by the number of Adjustable Rate Mortgages adjusting in 2010. Any Realtor experienced in short sales will tell you a lenders’ tendency to not respond to short sale purchase offers as the biggest reason for failed short sale property sale closings which often lead to foreclosure.

But wait..whats that? Is it a bird? Is it a plane? NO it’s HAFA!  HAFA is not a new superhero although some distressed sellers and Realtors may believe it is. HAFA stands for the federal Home Affordable Foreclosure Alternatives Act and will become effective on April 5th, 2010. Among other things, HAFA:

  • Allows borrowers to receive pre-approved short sales terms before listing the property (including the minimum acceptable net proceeds). This is HUGE!
  • Prohibits the servicers from requiring a reduction in the real estate commission agreed upon in the listing agreement (up to 6 percent).
  • Requires borrowers to be fully released from future liability for the first mortgage debt (no cash contribution, promissory note, or deficiency judgment is allowed).
  • Uses standard processes, documents, and time frames/deadlines
  • Provides financial incentives: $1,500 for borrower relocation assistance; $1,000 for servicers to cover administrative and processing costs; and up to $1,000 for investors for allowing a total of up to $3,000 in short sale proceeds to be distributed to subordinate lien holders (on a one-for-three matching basis).

In order to qualify for HAFA, sellers will first need to attempt a loan modification through the Home Affordable Modification Program (HAMP). Qualifications to be eligible are:

  • The property must be the borrower’s principal residence
  • The mortgage loan is a first lien mortgage originated on or before January 1, 2009
  • The mortgage is delinquent or default is reasonably foreseeable
  • The current unpaid principal balance is equal to or less than $729,750 (for single-family home…higher amounts for 2 to 4 unit dwellings)
  • The borrower’s total monthly mortgage payment exceeds 31 percent of the borrower’s gross income.

As a Realtor, HAFA is your friend.  HAFA should remove some of the challenges you have experienced with working short sales.  This new legislation also provides for an amazing marketing opportunity.

If you are an Arizona Realtor and would like assistance with starting a short sale marketing program please call or email me.

MyTitleGuy

MyTitleGuy

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Old Republic Title Agency, Mesa Arizona

Saturday, February 6th, 2010

Looking for  title company in Mesa, Arizona?  Located on the N.W. corner of Val Vista and Baseline Roads  at 1744 S. Val Vista Drive in Mesa, Arizona,  Old Republic Title Agency is a member of the Old Republic Title Insurance Group.

Old Republic Title Agency and its underwriter Old Republic National Title Insurance Company,  “Old Republic” provides real estate transfer products and services for individuals, businesses and governments. Our services are highly comprehensive and flexible to respond to changing market environments and to ensure your transaction is settled according to the most current industry standards. We’re committed to expediting the timely close of your real estate transaction by underwriting and managing each transaction with the highest levels of technical skill, client services and professional integrity.

Old Republic Title Agency is a subsidiary of Old Republic International Corporation, a multi-lined insurance enterprise, which is one of America’s 50 largest shareholder-owned insurance businesses. The Old Republic Title Insurance Group of companies have been issuing title insurance and providing peace of mind to its customers for over a century. We offer residential and commercial title insurance products as well as a variety of other title insurance related services through a national network of branch offices, subsidiaries and over 2,000 independent policy-issuing agents.

Escrow Officers

Janice Kerwin-Branch Manager. Janice has worked for Old Republic Title Agency for 27 years. Her experience is unsurpassed in the industry.  Janice  specializes in Land and Lots, Splits, Subdivision creation, Builder, REO (Real Estate Owned), Short Sale, Resale, seller carrybacks and wraps.  rest assured, if you have an escrow or title question, Janice has the answer. Janice can be reached at the office or vie email at JKerwin@ORTC.com

Megan Connolly-Megan is a native of Arizona and has 9 years of escrow and title experience. Megan has an impeccable reputation in the industry for her customer service. Whether you are a first time home buyer or a savy investor you will feel at home with Megan.has 9 years of escrow and title experience. Megan loves the escrow experience and it shows. Megan can be reached at the office or via email MConnolly@ORTC.com

Missy Lindenmeier. Escrow officer. Missy has worked in the escrow and title industry since 1987.  Missy focuses on Resale, Relocation, REO and Short Sale transactions. Missy has worked at Old Republic Tite Agency for 12 years. Always eager to learn, Missy lives and breathes escrow. Missy can be reached at the office or via email at MissyL@ORTC.com

Stephen Garner-Sales Executive. Stephen is a sales person’s salesperson. Stephen has almost 10 years of sales and marketing experience in the title industry.  Stephen specializes in help Realtors and loan officers increase their business while cutting costs to maximize efficiency.  Stephen is a Social Media and Blogging fanatic.  If you have questions about implementing an online strategy using Facebook, Twitter, linkedin, and/or blogging, Stephen is your guy.  Stephen writes anonymously as “MyTitleGuy“.  His blog is an example that Stephen “practices what he preaches”. Stephen can be reached at 480-223-8113 or via email at MyTitleGuy@Me.com or www.MyTitleGuy.net

Old Republic Title Agency
1744 S. Val Vista Drive
Mesa, AZ 85204 Suite 213
Office: 480-892-2306
Fax: 480-892-5948

Need to open escrow or prefer an escrow be picked up? Please call our office or Stephen Garner at 480-223-8113

Old Republic Title Agency

Old Republic Title Agency

MyTitleGuy

For all your escrow and title needs

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Phone: 480-223-8113
Fax: 480-892-2680