Page 8 - Homeowners Manual - Monterey - Carmel

SERVICES WE PROVIDE

Our products and services have been developed to address four important aspects of the real estate transfer
process: information, ownership, asset management and commitment. In each area, we have created the tools
and resources needed to ensure the most risk-free and expedient closing possible.

1. Information Services
The best real estate closings begin with good information.

We own and subscribe to leading industry information services for the most current market information,
including property profiles, farm reports and mortgage records. We have access to secure, Internet-based
databases with millions of public real estate records and documents. We can prepare and deliver preliminary
reports and commitments electronically to multiple locations.

We provide real estate professionals with the most current ownership information available through a variety of
sources to assist them in selling property and locating the next opportunity. In addition, we provide a variety of
real estate insurance products to national lenders ranging from full ALTA policies to limited coverage policies.

2. Title Services
Insured ownership is at the heart of every transaction.

We work to remove any recorded encumbrances which are inconsistent with the terms of the transaction. We
offer traditional, fully-insured products like ALTA policies, as well as innovative products and insurance policies
in the refinance, second mortgage and equity markets. We respond quickly to unique circumstances with
flexible and creative approaches to title insurance.

3. Escrow Services
The careful management of assets ensures a smooth transaction.

We coordinate and process the entire real estate and mortgage closing procedure. Our services include:
document gathering, preparation and delivery of the Closing Disclosure when required, loan funds
disbursement, escrow withholding and document recording with the appropriate government authority; all
done in accordance with our clients’ instructions. We serve as a neutral third party working to benefit the
entire transaction and the parties involved. Our escrow personnel are proficient at complying with complicated
escrow instructions.

4. Client Service
At Old Republic Title, we focus on providing optimum client service and deploying technologies that meet
the needs of real estate professionals, consumers and our clients. Our network of Property Information
Departments provides a variety of products , including property profiles and FARMS. In addition, we subscribe
to industry-leading information systems for the most current market data, information and public records and
documents.

To further support the needs of those we serve, we also provide several convenient digital tools. Many of these
tools allow clients to directly open title and/or escrow orders, update property information, calculate closing
costs or search property details via their oldrepublictitle.com account, or through one of our applications.

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