The Role of Title Companies in Refinancing

The Role of Title Companies in Refinancing

When a person applies for a loan to finance real estate, the bank will charge a certain amount of interest. In addition to the interest, the bank will require the individual to sign a mortgage. In case he or she fails to repay the loan as agreed, the bank will foreclose on the mortgage and obtain full ownership of the real estate. Sometimes the debtor may choose to refinance the mortgage in order to borrow more or reduce the interest rates. In such cases, the bank may require the help of a title company to do the refinancing process.

The title company helps the bank to do some background check on the title of the property. The company will scrutinize all the documents associated with the property to assure the bank that the applicant is the legitimate owner. The title company will also establish whether the property has any problem. Some of the problems may include outstanding mortgages, liens, unpaid taxes and judgments. The bank will also know if there has been changes on the title since the time of initial mortgage.

In case the borrower wants additional funds from the refinancing, the lender liaises with the title loan company to disburse the money. In this case, the lender will have to deliver the money to the title company and give it the right of ownership. The company will then handle the disbursement and any other additional procedure that might be necessary. The title company will deduct its fee before delivering the money to the borrower and any other parties entitled to payment. After disbursement, the title company will give the bank a new title search in order to verify the mortgage lien on the property.

A title company acts as a communication platform for all the parties involved in the refinancing process. An agent from the company can contact lenders to establish the exact amount used to pay off the original mortgage. The agent keeps in touch with the owner of the property, government, surveyors and lawyers who are linked with the refinancing. The title company also gathers and organizes all the documents needed for refinancing.

A title company can also facilitate the closing process. Closing occurs when the borrower signs the documents associated with the loan. Once the meeting adjourns, the closing agent makes arrangements to ensure the client gets the money as agreed. The title company’s agent must come up with a settlement statement that captures all the bills to be paid from the proceeds of the loan. The statement also captures the amount that will be paid to the borrower as disbursements. The agent then ensures that the borrower signs the statement and all the refinancing documents. In most occasions, the agent is the one tasked with delivering the closing documents to the county records office.

Benefits of Search Engine Optimization

Benefits of Search Engine Optimization in 2014
Optimizing content for search engines has changed a lot in the past few years. What are a few of the benefits of using an SEO Company in 2014, and how can you optimize your site the right way to boost targeted traffic and increase conversions? How will your company benefit from working with a qualified SEO agency?

Help Your Brand Gain a Presence Online

Being active on social media is a great way to boost SEO for your site and your brand as a whole. Content from sites that goes viral via social media channels will be listed higher in search results. In addition, those who find your links through social media will understand what your brand is all about and what products or services it offers. Those who are interested in what you have to share will go to your site with the intent of learning more or possibly making a purchase.

Keep Your Marketing Costs Lower

If someone finds your site through a search engine query or through a link shared by a friend, that visitor will come to your site for free. You will spend nothing on marketing, and your profit margin on the customer will be significantly higher. You also get to leverage an important marketing strategy when you optimize your content for search engines. As word of mouth marketing is especially powerful, you are letting those who see your content do the advertising for you by sharing your links and telling their friends about your site.

Diversify Your Product Offerings

Thanks to SEO, anyone can start a business or sell a product in no time. Those who are experts on a particular topic can leverage SEO to sell eBooks that help with keyword research, how to use social media to increase sales and a variety of other topics. Those eBooks could then be turned into courses or webinars that add additional diversified revenue streams for whoever is able to use SEO in 2014.

The use of search engine optimization gives your brand a major advantage over the competition. By optimizing your content and leveraging social media for SEO purposes, you can increase traffic, increase sales and establish yourself as a leader and make money from that perception.

Juice, The Cross-Platform Podcast Receiver

What is Juice? What can I use it for? 

Juice is technically a “Media Aggregator,” a program that allows you to select and download audio files from anywhere on the Internet to your desktop.

Juice makes the process easy by helping you select audio files from among the thousands of audio sources on the web and downloading those files to your computer. Once you select a feed or location, it will download those files automatically at times you specify and have the files waiting for you on your computer, so you don’t have to spend a lot of time manually selecting and waiting for downloads. You can play your selected audio files using iTunes or other “jukebox” software, or load them on to your iPod or other portable digital media player to play anytime you want.

How does Juice work? 

Juice uses RSS (really simple syndication) to “feed” files to
your computer. RSS usually involves headlines and text, but we’ve devised a way to have it move audio files. Once you’ve installed Juice, you can select podcasts to subscribe to in two different ways: Either clicking the selection button to see a directory of available podcasts or enter a URL for a podcast you’ve found on your own. You can set the scheduling options so that Juice scans for new downloads as often as you like, or you can control it manually. When it is done downloading new files, it adds them to your library, all ready to be played or synched to your MP3 device.

Do I need an iPod to use Juice? 

No, you can use your computer or any other MP3 player. Juice is
platform-independent, so you can use it from virtually any computer and play the files on any MP3 device.

Phonetics – Pavlos

A few days back I had a discussion on phonetic alphabets with a friend who is in the army. They actually have to know all that. Both in English and Greek – it being the Greek army.So, how did that Java assignment go? First year in university I had to do so many Java assignments… Java is certainly more fun to drink (or even visit) than code in.

Juice featured on


Juice allows you to download and manage your various podcast subscriptions. It has a large built-in directory of podcasts (though some are no longer active). You can play a downloaded podcast directly in Windows Media Player.

By default, Juice will save your podcasts to JuicePortable\Data\Downloaded Podcasts. You can alter this directory in the options. It should be noted that while you are downloading and saving files to a USB flash drive, performance of other portable apps will slow.

Juice Portable is packaged in a Installer so it will automatically detect an existing installation when your drive is plugged in. It supports upgrades by installing right over an existing copy, preserving all settings. And it’s in Format, so it automatically works with the Suite including the Menu and Backup Utility.

Juice Portable is available for immediate download from the Juice Portable homepage. Get it today!

Yahoo! Helped Jail another Chinese Cyberdissident

Another cyberdissident imprisoned
because of data provided by Yahoo

Reporters Without Borders today condemned the US firm Yahoo! for handing over data on one of its users in China which enabled the authorities there to send him to prison for eight years, the second such case that has come to light in recent months.

It called on Yahoo! to supply a list of all cyberdissidents it has provided data on, beginning with 81 people in China whose release the worldwide press freedom organization is currently campaigning for.

It said it had discovered that Yahoo! customer and cyberdissident Li Zhi had been given his eight-year prison sentence in December 2003 based on electronic records provided by Yahoo. “How many more cases are we going to find?” it asked.

“We were sure the case of Shi Tao, who was jailed for 10 years last April on the basis of Yahoo-supplied data, was not the only one. Now we know Yahoo works regularly and efficiently with the Chinese police.

“The firm says it simply responds to requests from the authorities for data without ever knowing what it will be used for. But this argument no longer holds water. Yahoo certainly knew it was helping to arrest political dissidents and journalists, not just ordinary criminals. The company must answer for what it is doing at the US congressional hearing set for February 15.”

The foreign-based news website posted on February 5 the plea of cyberdissident Li’s lawyer, Zhang Sizhi, at an appeal court hearing in February 2004 ( Zhang said his client, who used the e-mail address and user-name lizhi34100, had been sentenced on the basis of data handed over by Yahoo! Hong Kong in a report dated August 1, 2003.

Li, a 35-year-old ex-civil servant from the southwestern province of Dazhou, had been sentenced on December 10, 2003 to eight years in prison for “inciting subversion.” He had been arrested the previous August after he criticized in online discussion groups and articles the corruption of local officials.

Local sources said Yahoo! Hong Kong’s cooperation with the police was also mentioned in the court’s verdict on Li.

The US house of Representatives Committee on International Relations will hold a hearing on February 15 about the ethical responsibilities of Internet firms. Yahoo! has been invited to attend.

49 cyberdissidents and 32 journalists are in prison in China for posting on the Internet articles and criticism of the authorities.

Wordcamp 2006 It’s Official

WordCamps are casual, locally-organized conferences covering everything related to WordPress, the free and open source personal publishing software that powers over 25 million sites on the web.

WordCamps come in all different flavors, based on the local communities that produce them, but in general, WordCamps include sessions on how to use WordPress more effectively, beginning plugin and theme development, advanced techniques, security, etc. To get an idea of the types of sessions typically seen at WordCamps, check out the WordCamp channel at

WordCamps are attended by people ranging from blogging newbies to professional WordPress developers and consultants, and usually combine scheduled programming with unconference sessions and other activities. For more information on common WordCamp elements, read about what to expect at a WordCamp.

The first WordCamp was organized in San Francisco by Matt Mullenweg in 2006. Since then, local communities around the world have organized over a hundred WordCamps, and we anticipate that number will pass a thousand within the next couple of years.

About a month ago, while I had Flock tunnel vision because of the release, one of my favorite softwares, WordPress — the best blogging software and service for everyone — got that much better by adding importing and exporting of your entir…