• 2016 Law Update – A Webinar With Ethics

    2016 Law Update – A Webinar With Ethics

  • Who Has the Authority

    Who Has the Authority

  • Homestead, Probate & Trusts

    Homestead, Probate & Trusts

  • Commitment to Policy

    Commitment to Policy

  • New Massachusetts Foreclosure Title Clearing Statute:  Chapter 141 of the Acts of 2015

    New Massachusetts Foreclosure Title Clearing Statute: Chapter 141 of the Acts of 2015

  • When Do I Get My Loan Closing Disclosure?

    When Do I Get My Loan Closing Disclosure?

    If an eligible loan proceeds from Estimate to closing, creditors must provide a Closing Disclosure form documenting the actual transaction
  • Understanding Your Loan: Additional Information Can Be Important

    Understanding Your Loan: Additional Information Can Be Important

    Page 4 of your Closing Disclosure is important. It is NOT just standardized form information that is identical for every
  • Understanding Your Loan: Closing Disclosure Page 1

    Understanding Your Loan: Closing Disclosure Page 1

    The first page of your Closing Disclosure documents: The Loan Amount – the total you will actually borrow The Interest
  • Understanding Your Loan: Closing Cost Details

    Understanding Your Loan: Closing Cost Details

    Page 2 of your Closing Disclosure details specific closing costs. Section A includes: Origination charges collected by the lender Origination
  • Your Rights And Rules For Closing Disclosures

    Your Rights And Rules For Closing Disclosures

    The Closing Disclosure documents the actual terms of your loan transaction. You should receive it no later than 3 business
  • Understanding Your Loan: Cash And Transaction Summaries

    Understanding Your Loan: Cash And Transaction Summaries

    Page 3 of your Closing Disclosure will compare cash requirements from your Loan Estimate to your actual final charges. If “Did
  • Calculating Your Cash To Close

    Calculating Your Cash To Close

    Page 2 of the Loan Estimate provides the current ESTIMATED cash to close. Some costs will stay the same between
  • Understanding Your Loan Estimate: Other Costs

    Understanding Your Loan Estimate: Other Costs

    Real estate transactions require taxes, certain pre-payments, and escrow funding. Recording fees are charged by government agencies for keeping legal
  • Understanding Loan Estimate Comparisons

    Understanding Loan Estimate Comparisons

    Page 3 of your Loan Estimate includes measures to help you compare loans. “In X Years” shows the total amount
  • Understanding Your Loan Estimate: Services You Cannot Shop For

    Understanding Your Loan Estimate: Services You Cannot Shop For

    These costs are paid to outside parties, not the lender, but you don’t get to choose them. They may include:
  • Understanding Your Loan Estimate: Page 2, Loan Costs

    Understanding Your Loan Estimate: Page 2, Loan Costs

    Closing costs are fees paid when the title of the property is transferred to the buyer making them the legal
  • Understanding Your Loan Estimate: Services You CAN Shop For

    Understanding Your Loan Estimate: Services You CAN Shop For

    These costs are paid to outside parties and YOU are free to shop and compare providers for a variety of
  • Can Creditors Revise TRID Loan Estimates?

    Can Creditors Revise TRID Loan Estimates?

    Creditors are generally bound by the initial Loan Estimate. They are permitted to provide a revised Loan Estimate only under
  • What’s Refunded If My Loan Is Higher Than My Estimate?

    What’s Refunded If My Loan Is Higher Than My Estimate?

    If the amount you pay at closing exceeds the amounts disclosed on the Loan Estimate – beyond tolerance limits for
  • Understanding Your Loan Estimate: Terms, Payments and Closing Costs

    Understanding Your Loan Estimate: Terms, Payments and Closing Costs

    The first page of your Loan Disclosure shows the Loan Terms Projected Payments and Costs at Closing. The Loan Amount,
  • What Will The TRID Loan Estimate Tell Me?

    What Will The TRID Loan Estimate Tell Me?

    The Loan Estimate documents the essential facts and terms of an approved real estate loan. It includes: loan terms projected
  • What Is A ‘Business Day’ For Real Estate Loan Disclosures?

    What Is A ‘Business Day’ For Real Estate Loan Disclosures?

    “Business day” is defined slightly differently for Loan Estimates and Closing Disclosures. For Loan Estimates, each day on which a
  • Could My Loan Costs Exceed The Loan Estimate?

    Could My Loan Costs Exceed The Loan Estimate?

    Yes, within defined limits. Service charges for which YOU shop and select a provider may change; the creditor is NOT
  • What Disclosures Are Used For Loans Not Covered By TRID?

    What Disclosures Are Used For Loans Not Covered By TRID?

    Creditors must continue to use the Good Faith Estimate, Truth-In-Lending Disclosure and the HUD-1 form for reverse mortgages, HELOCs, mobile
  • What Kinds Of Loans Do TRID Disclosures Cover?

    What Kinds Of Loans Do TRID Disclosures Cover?

    TRID rules apply to MOST consumer credit transactions secured by real property. These include mortgages, refinancing, construction-only loans closed-end home-equity
  • What Do Lenders Have To Tell You About Your Real Estate Loan?

    What Do Lenders Have To Tell You About Your Real Estate Loan?

    Federal “disclosure” forms define the information that creditor businesses MUST provide to consumers applying for real estate loans. As of
  • Emerging Trends in the Title Industry

    Emerging Trends in the Title Industry

    Emerging Trends Webinar from WFG Agency on Vimeo.
  • Introduction to CFPB and their Goals

    Introduction to CFPB and their Goals

  • Agency Compliance Management System “CMS” Tour

    Agency Compliance Management System “CMS” Tour

    This 12-minute narrated video tour introduces title agents to WFG’s on-line Compliance Management System. The step-by-step tour provides detailed instructions
  • Whither Title Agents?

    Whither Title Agents?

    Patrick Stone, CEO of Williston Financial Group, explains the changing economics of real estate closings, the changing role of title
  • Bracing for the New Mortgage Disclosure Rules

    Bracing for the New Mortgage Disclosure Rules

    In this one-hour “U Heard Me” podcast, Charles Cain, senior vice president in WFG’s Agency Group, discusses the impact of
  • WFG CPL Training

    WFG CPL Training

    How to use our new CPL website to get your Closing Protection Letters.
  • WFG Policy Jacket Training

    WFG Policy Jacket Training

    How to use our new Policy Jacket Generator.
  • Complying with Lender Expectations – Beyond Best Practices

    Complying with Lender Expectations – Beyond Best Practices

    Three WFG executives: Charles Cain, senior vice president/agency for the Midwest, Rick Diamond, senior vice president, IT/agency, and Earle Thompson,
  • CFPB TILA-RESPA Integrated Mortgage Disclosures CLE Seminar

    CFPB TILA-RESPA Integrated Mortgage Disclosures CLE Seminar

    In this three-hour seminar, Michelle Korsmo, chief executive officer of the American Land Title Association and Steve Gottheim, the association’s
  • Data Call Webinar – Introduction to Florida’s Data Call

    Data Call Webinar – Introduction to Florida’s Data Call

    In this 6-part Webinar series, Alan Fields, WFG’s National Agency Counsel and former executive director of the Florida Land Title
  • Data Call Webinar – Part I – Historic & Demographic

    Data Call Webinar – Part I – Historic & Demographic

  • Data Call Webinar – Part II – Closing Software

    Data Call Webinar – Part II – Closing Software

    Download Related Documents Schedule C & Counts2.xlsx What if my Software isn’t Ready.docx
  • Data Call Webinar – Part III – Accounting Software

    Data Call Webinar – Part III – Accounting Software

    Download Related Documents Breakout of Payments.docx Sample Chart of Accounts.docx
  • Data Call Webinar – Part IV – Labor Allocations

    Data Call Webinar – Part IV – Labor Allocations

    Download Related Documents FAQs on Time Tracking 12-31-13.docx Labor Allocation Manual Tracking.doc Labor Allocation Worksheet.xlsx Time tracking tips.doc
  • Data Call Webinar – Part V – Problem Areas, Data Points Not Being Captured Elsewhere

    Data Call Webinar – Part V – Problem Areas, Data Points Not Being Captured Elsewhere

    Download Related Documents Claims Log Categories.pdf Hot off the Presses.pdf Loose Ends Handout.pdf
  • Production and Ops Practices: Challenges and Adaptation

    Production and Ops Practices: Challenges and Adaptation

    Bob Hart, Vice President, National Account Sales for Closing Corp., Inc. and Gregory McDonald, founder and CEO of Cloudstar Consulting
  • Production and Ops Practices: Agency Challenges, Real Solutions

    Production and Ops Practices: Agency Challenges, Real Solutions

    Representatives of three of WFG’s trusted partners (EchoWorx, RynohLive and NextDeal) describe software programs for encrypting e-mail and protecting client
  • Growth Strategies: Short Sales for Title Agents

    Growth Strategies: Short Sales for Title Agents

    This timely Webinar focused on two aspects of short sales: How title agents can capture a piece of this business
  • Title 101 — Red Flags for Mortgage Fraud

    Title 101 — Red Flags for Mortgage Fraud

    A loan fraud primer for title agents: How to spot fraudulent transactions and what to do when you find them
  • Compliance Trends: There’s a New Sheriff in Town

    Compliance Trends: There’s a New Sheriff in Town

    This forward-looking webinar provided an early peak at CFPB’s rulemaking, in the early days, when the Integrated Loan Disclosure form
  • CFPB Compliance and State Audits

    CFPB Compliance and State Audits

    A Webinar for Texas agents, providing an overview of the regulatory compliance challenges confronting them and a description of WFG’s
  • Compliance Trends: Agent Vetting and Beyond

    Compliance Trends: Agent Vetting and Beyond

    WFG senior executives explain why some lenders are turning to third parties to vet title agents, why this isn’t necessary,