About WCI Title

First in Service is not a slogan. It's our culture!

Customer Focus - We promote a positive force in the communities where we live and work.

Quality - We listen to our customers, respond to their needs and exceed their expectations.

Innovation - 24 hour Internet access to your files via SureClose. SureClose allows buyers, sellers, lenders and real estate professionals to conveniently access their closing files even when our offices are closed. The password-protected SureClose website protects your privacy and ensures that your information is protected from view by unauthorized parties.

Integrity - We accept change and drive it by encouraging creativity and striving for industry leadership.

• Personalized service, contract through closing.
• 24/7 Internet access to your closing file.
• Fully licensed closing professionals.
• First In Service is not a slogan. It's our culture!

A title is the foundation of ownership and the basis of your right to possess and use property.

Because land is permanent and can have many owners over many years, it is crucial that ownership is clear and free of outstanding claims. There are a thousand different things that could hinder your investment - errors in the public record, mistakes in examination, false affidavits, secret marriages, undisclosed heirs, etc. - but only one way to protect and eliminate our risk is Title Insurance.

Title insurance plays a major role in making certain home ownership is safe and secure for as long as you own your home. It also helps close the deal smoothly. Experienced title experts, such as WCI Title, have research capabilities that can determine the condition of a title quickly, thus allowing a prompt commitment to insure you against claims of ownership. With a commitment to insure, closing times become minimal, and for buyers seeking the attractive terms and interest rates that government-backed loans offer, title insurance helps a buyer qualify since it is a requirement for all loans offered by lenders.

There are two different types of policies - a loan policy protects the mortgage company's interest in the property as security for the outstanding balance of the buyer's mortgage (this is why all loans require title insurance). The owner's policy safeguards the buyer's investment or equity in the property up to the face amount of the policy. And thanks to WCI Title's financially prudent simultaneous issue program, you can purchase both policies at the same time and enjoy substantial savings.

Title insurance offers so much for so little. Charges vary in different regions of the country, but generally cost about one percent (1%) or less of less of the value of the property. Unlike other insurance premiums, title insurance is paid one time only, and is included in your settlement closing costs.

1. Review Closing Statement prior to closing.
2. Bring one legal form of photo Identification issued by a governmental agency (driver's license, state issued ID or passport).
3. Lenders may allow seller to pay buyer's "prepaid items" (negotiable via contract).
4. Lenders seldom allow credits on closing statements such as "lump sum" credits for closing costs or credit for repairs.
5. Even though it is included in the contract, do not assume that the lender has approved it (i.e. seller leaseback, etc.). Check with the lender for special or unusual contract conditions and get approval for such in writing as soon as possible.
6. Realtor or 3rd party paid items require lender approval and should be noted on contract.

Certain circumstances may cause delays in closing. You can help by notifying your WCI Title closing professional if you are aware of any of the following conditions:

• Bankruptcy
• Death of property owners
• Divorce or separation
• Easements obtained or given since purchase of property
• Existing contract or deed
• Foreclosure
• Foreign sellers
• Guardianship or incompetence of seller

• Known encroachments
• Liens or judgments against property owners
• Power of Attorney
• Recent marriage of seller or buyer
• Sellers or buyers that will not be present at closing
• Shared driveways
• Trusts

Rates calculated as follows: $5.75 per thousand up to 100,000; $5.00 per thousand 100,000 to 1 million; $2.50 per thousand over 1 million.

Regulations require charging for title search, examination and closing fees. A lower rate may be charged in some types of transactions such as refinances, and certain other transactions.

Call our licensed title insurance professionals at WCI Title for a detailed quote specific to your transaction.

SureClose -- Access to Real Estate Transactions Anytime, Anywhere. Click. Connect. Close.

SureClose is a secure, online transaction and communication management platform that saves time for all parties involved in the real estate transaction. Buyers, sellers, real estate agents and brokers, lenders, settlement service providers and WCI Title agents can access dynamic information online, 24 hours a day, seven days a week.

When the sales contract has been signed and put into escrow, WCI Title becomes the transaction manager, working for all of the parties to bring about a timely, successful closing. Parties in the closing process can monitor the progress of the transaction; view, print and download information; post and receive messages; receive automatic event notifications; order settlement services and exchange documents.

• Password-protected Web site
• Eliminates concerns about office hours or time zones
• Displays transaction information at a glance
• Imports listing information, including property photos, from certain MLS systems (photos can also be uploaded with file information)
• Displays property detail
• Displays all parties in the transaction, including contact information

• Automatically schedules tasks and places them on the calendar
• Select pre-defined calendar views
• Displays pending tasks for one file or many files
• Updates calendars when tasks are complete
• Sends automatic notification of completed tasks by e-mail or fax

• Secure - settings by the transaction manager ensure that buyers can't see seller-specific documents and vice-versa
• Connects all parties in a real estate transaction
• Provides intuitive menus and search capabilities for easy navigation
• Eliminates status tracking
• Eliminates phone-tag between multiple parties
• Reduces time delays
• Eliminates miscommunication
• Reduces courier and overnight mail fees
• Monitors transaction progress
• View, print and download information
• Post and receive messages
• Receive automatic event notifications
• Order settlement services
• Exchange documents