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Evolving Consumer Relationships 2024 webinar

Complimentary Webinar

Original Air Date: October 1, 2024

In today's evolving consumer landscape, the latest webinar in our series, Evolving Consumer Relationships, is a must-watch event. Dive deep into the changing demands of homebuyers, home sellers, and those seeking to refinance - revealing the critical insights you need to drive business success.

Gain a competitive edge by understanding what these empowered consumers truly want from the professionals managing their real estate transactions, including:

  • Simplifying the real estate process with technology
  • Understanding local market trends and how consumer preferences may vary
  • Educating consumers throughout the transaction process to build trust and provide transparency
  • Integrating greater efficiencies into your processes
  • Utilizing remote online notarization for a more convenient closing experience

Watch today to learn proven strategies to exceed consumer expectations, positioning yourself as the trusted partner of choice.

Thank you to Qualia for sponsoring this complimentary webinar.

 

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Featured Speakers Moderator

Toni Carroll

Vice President of Fiduciary Banking
Capital Bank, NA

Toni Carroll is a seasoned professional with 39 years of experience in the title insurance industry. Currently serving as the Vice President of Fiduciary Banking for Capital Bank, NA., she is accountable for the development of new business and increasing the Bank’s market share. Toni has demonstrated her expertise in various roles throughout her career.

Her career journey includes pivotal roles such as South Carolina State Manager and Chief Training Officer at a regional underwriter, where she played an instrumental role in developing a training program and resources for the state managers. Additionally, her tenure as an Enterprise Client Executive at Notarize showcased her talent in fostering client relationships and championing digital closings. Her role as Vice President of Sales for a Title Production Software Company showcased her leadership and strategic sales abilities. Toni also made significant contributions as a National Settlement Account Manager with an e-recording company, where she played a pivotal role in promoting, developing, and enhancing their products services and title closing software integrations. Toni’s extensive background included a role as an Agency representative with a large national underwriter, where she built strong relationships and contributed to the company’s growth.

Toni Carroll is a dedicated professional who actively contributes to the title insurance industry. Currently, she serves as a committee member for the Homeowner Outreach Program Work Group and holds the position of co-chair on the Membership Committee for the American Land Title Association. In recognition of her achievements, Toni was awarded the National Title Professional Certificate in 2023, solidifying her status as a respected professional in the title insurance industry.

In 2018, Toni was honored on the Mortgage Professional America’s 2018 Elite Women in Mortgage list and additionally, was named one of Housing Wire’s 2018 Women of Influence, highlighting her significant impact and leadership in the industry.

Brie McDaniel

Owner
Title Insurance Consultants, LLC

Brie McDaniel is a seasoned professional with over twenty years of experience in the title industry, specializing in operations, technology implementation, and strategic consulting. She is the founder & owner of Title Insurance Consultants, serving title companies, underwriters, and ancillary service providers throughout the United States.

Working with diverse clients ranging from small agencies to Fortune 500 companies, she uses her expertise in operations, underwriting, compliance, technology, and sales to guide companies through optimizing their operations, mergers & acquisitions, and updating technology.

She excels in implementation and optimization of production software programs. Using her skills she develops proactive procedures and technology solutions to enhance operational efficiency and accuracy. Brie is a strategic planner that can execute in high-growth environments. Operational assessment and talent management also fall in her core competencies.

Brie is known for her ability to assess individuals, teams, and organizations with precision, identifying opportunities to improve efficiency and compliance through the strategic use of employee talent and technology. Currently based in Maryland, she continues to drive innovation and excellence in the title industry.

Tray Brooks

Strategic Implementation Manager
Qualia

Tray Brooks brings over three years of hands-on experience in technology support and implementation at Qualia to his role as Strategic Implementation Manager. He oversees enterprise-level technical onboarding for some of Qualia’s largest customers, with focus areas including onboarding, mastering product expertise, technical implementation, and navigating effective change management strategies. Tray is passionate about ensuring seamless transitions and delivering customized solutions that optimize operational efficiencies and enhance client satisfaction.


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12 USC Section 2605 or Section 6 is titled Servicing of mortgage loans and administration of escrow accounts. It pertains to qualified written requests, notices of transfer of servicing and the administration of escrow accounts.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
12 USC Section 2609 or Section 10 is titled Limitation on requirement of advance deposits in escrow accounts. It governs escrow accounts including notifications and statements to borrowers. Section 10 also sets out penalties for those who violate the section.
RESPA Section 3 provides that a thing of value includes any payment, advance, funds, loan, service or other consideration

Regulation X says thing of value includes: monies, things, discounts, salaries, commissions, fees, duplicate payments of a charge, stock, dividends, distributions of partnership profits, franchise royalties, credits representing monies that may be paid at a future date, the opportunity to participate in a money-making program, retained or increased earnings, increased equity in a parent or subsidiary entity, special bank deposits or accounts, special or unusual banking terms, services of all types at special or free rates, sales or rentals at special prices or rates, lease or rental payments based in whole or in part on the amount of business referred, trips and payment of another person’s expenses or reduction in credit against an existing obligation.
A form used by a settlement or closing agent itemizing all charges imposed on a borrower and seller in a real estate transaction. This form represents the closing transaction and provides each party with a complete list of incoming and outgoing funds. RESPA requires the HUD-1 to be used as the standard real estate settlement form in all transactions in the U.S. involving federally related mortgage loans.
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