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Diane Cipa

Mortgage fraud always surprises me….

by Diane Cipa Mortgage News

and you’d think by now title agents would STOP enabling or colluding to defraud lenders.
You know, younger, inexperienced, or stupid title agents might make the argument that they didn’t understand that having two settlement statements was mortgage fraud. Though they’d still be held accountable by authorities, someone might have believed them a year or two [...]

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blogging and Facebook

by Diane Cipa Mortgage Marketing

Just wanted to report that the hyper-localized blog, Ligonier Living, has been going strong since March. It’s a blast and community participation continues to grow.
An interesting development is the crossover into Facebook. While we, the community contributors and me, continue to add links and create posts about businesses who still have no web [...]

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Hi, folks, and Merry Christmas!

by Diane Cipa Mortgage News

I’m sorry I haven’t been posting but there really hasn’t been much I wanted to say that would add value to your conversation here at Lenderama.
Anywho, I’m back with two messages.
First, I find the LandAmerica situation scary and fascinating. The 1031 Exchange program was surprisingly vulnerable. The strength of the title insurance reserves [...]

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something big is happening in title insurance…

by Diane Cipa Mortgage News

if you have the dope, drop me a line……dianecipa@gmail.com

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Ohio independent title agents decide to sue.

by Diane Cipa Mortgage News

Contact person: Robert B. Holman, Esq.
OAITA
(440) 232-9911
SUBJECT: INDEPENDENT TITLE AGENTS FILE LAWSUIT AGAINST OHIO DEPARTMENT
OF INSURANCE DIRECTOR ALLEGING FAILURE TO ADEQUATELY PROTECT OHIO
HOMEOWNERS
FOR IMMEDIATE RELEASE
The Ohio Association of Independent Title Agents (OAITA) (www.oaita.org) has filed a lawsuit
with the Ohio Supreme Court against Mary Jo Hudson, Director of the Ohio Department of
Insurance. OAITA, an association of [...]

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I cannot believe they aren’t passing this bill.

by Diane Cipa Mortgage News

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there’s that hyper-localized blog in the news again!

by Diane Cipa Mortgage News

Ligonier Living is a joy and LOOK, we made the front page of the Latrobe Bulletin.

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wicked

by Diane Cipa Mortgage Customers

Traditional title examination involves the judicial use of technology while not replacing human expertise. That said, it takes a bit of time and a bit of money and that’s where we’re caught in this crazy Catch 22. People want you to do all the work and pretty darn fast - almost never fast enough but [...]

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What happens if a title company fails?

by Diane Cipa Mortgage Customers

That’s a really big question and it has two completely different sets of answers. Why? Well, the words title company are used interchangeably to describe two very different kinds of title companies. So, for you to fully understand the answers, you first need to understand the difference between a title agency and a title underwriter [...]

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just a little chuckle

by Diane Cipa Mortgage Training

I see this every once in awhile and am looking at it again and thought I would share the chuckle.
What is a Mortgage E-Clause?
Funny - now that we have e-mail and e-notarization how easy it would be to make that presumptive spelling error. Yes, it is MORTGAGEE CLAUSE, which is the clause used to [...]

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RESPA signings, what the heh?

by Diane Cipa Mortgage Customers

I still don’t get how notary signing agents are permitted to go to loan applicants and have loan application packages signed for a fee and NOT consider this part of the loan origination process.
Here’s a thread on Notary Rotary discussing what are called RESPA signings. A RESPA signing is the upfront loan application package containing [...]

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Did you know that income tax liens attach to “after acquired” property?

by Diane Cipa Mortgage Customers

Yes, that’s right. So unless you can pay cash for a piece of real estate, expect to have a problem getting a mortgage.
I am examining title today for the purchase of a property that went through foreclosure. I saw FTL on the cover notes and at first glance assumed it was a Federal Tax [...]

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let’s talk vehicle titles…..

by Diane Cipa Mortgage Customers

Yea, I know. I’m not in the car business, BUT, as a title agent I do have to work with and around mobile home titles and let’s face it, a mobile home title IS a vehicle title. So, with that in mind let me say this - loudly and clearly….
IF YOU ARE INVOLVED IN THE [...]

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if you loan in PA, heads up

by Diane Cipa Mortgage Customers

I just received a memorandum from one of our title underwriters. It’s important info if you are involved in purchase transactions in PA with an assignment of interest or contract. The PA Dept. of Revenue issued an amended rule on transfer tax regulations last December. The effect of that change is just [...]

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buyer caught up in a bankrupcy/short sale squeeze

by Diane Cipa Mortgage Customers

We’ve been working for a homebuyer since June trying to close a purchase.
He thought he did everything right BUT you can’t account for “out to lunch” sellers or their “not so helpful” bankruptcy attorney. [I'm being really kind with those quotes cause these folk have made lots of grief for everyone. More appropriately I might [...]

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in case you haven’t heard….

by Diane Cipa Mortgage News

Mercury is selling CO operations to First Am.

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the Google bots think I’m canned spam….yoi

by Diane Cipa Mortgage News

Last night Google shut down Title Insurance Talk, meaning I can’t post until a human takes a peek.  How about them apples?
I’m pretty darn proud of that blog.  It’s turned out to be more than I had ever hoped.  Title Insurance Talk just sits there in the blogosphere answering common questions for parties involved in [...]

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Mercury Companies closing offices

by Diane Cipa Mortgage News

Wine Dog has the scoop.
Mercury was reportedly FATIC’s largest agent.

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This is the first ad mentioning our Ligonier Living blog.

by Diane Cipa Mortgage News

Now that the Radical expression has pretty much completed it’s task.  I’m just enjoying the heck out of Ligonier Living, the hyper-localized blog whose creation was inspired by posts of Todd Carpenter and Ed Rybczynski.
Also. as Radical isn’t holding all of my brain hostage, I can now  throw some brainwaves back into music and guess [...]

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hello from the world of title insurance and the collapse of the enabler generation

by Diane Cipa Mortgage News

I really don’t know how to say this. You may be surprised at how the words just don’t flow because this isn’t happy talk. It’s just reporting.
Here in title insurance land, we’re the survivors. We’re the ones who are still here pumping out policies and helping those folks still in mortgage lending [...]

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