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Pay ATTENTION To Your Words -- 
They Can Change Your World
by Neen James

The words we choose to speak - either to the world or to ourselves have the absolute power to create impact, connections, positive or negative change and action. When we lose FOCUS and our attention gets drawn away from what we know will move us in the direction we want to go - our words or language often follows suit. 
If you have never watched the powerful video "Change your words, change your world," click HERE (it is worth 1 minute and 47 seconds of your time).
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Click Here  for more information or to register!

CFPB Updates Guidance on Lender Supervision of Third-Party "Service Providers"
by Gene McCullough
 
On October 19, 2016, the director of the Consumer Financial Protection Bureau (CFPB) issued a new bulletin entitled " Compliance Bulletin and Policy Guidance; 2016-02, Service Providers ."  This bulletin is significant for the title industry because it reissues guidance from  Bulletin 2012-03 , which made it clear that financial institutions are obligated to ensure their business arrangements with service providers do not present unwarranted risks to consumers.  The requirements identified in the 2012-03 Bulletin are restated, word for word, in this newest bulletin.  The CFPB has reminded financial institutions that they are required to take specific steps. Click HERE to read more details. 
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Bye-Bye Regulation, the Mortgage Industry Found a New Focus: Technology Innovation
The hot topic at MBA Annual 2016
by Brena Swanson

.... "As I talk with more lenders, now that they have taken a deep breath from TRID, they are looking at 2017 as a period where their enterprise's resources, both human and financial, will not be as heavily monopolized by a single impending regulatory event."  

A theme throughout this year's [MBA] convention was data automation and technology. Basically, the industry started to execute on plans that have long been needed. The industry started to innovate.

Just take two of the biggest announcements at the conference as an example: " Fannie Mae announces sweeping program for mortgage lender 'freedom' from penalties" and " Freddie Mac announces new tools designed to cut mortgage origination costs." Click   HERE  to read more highlights from the Mortgage Bankers Association's Annual Convention.
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Please Don't Forget the Following December Holidays

Bankers Title Shenandoah, LLC  and  The Clerk of the Court offices will be  CLOSED  on the following days in December:
  • NOTE: Many Clerk of Court offices will also be closed on Friday, December 23rd. BTS will remain open. 
  • Monday, December 26, 2016 - Christmas
  • Monday, January 2, 2017 - New Year's
Please allow additional time when placing orders and/or scheduling closings.

Happy 'Grew' Year: Five Best Sales
Practices for Banks in 2017
by Robert Stowe England, Lou Carlozo
 
With just a few weeks left in the calendar year, 2016 has presented financial institutions with a multitude of growing-edge challenges sure to spill over into 2017. Like: How should banks partner with emerging FinTech players to attract and keep new customers? And: How do financial institutions address their growing concerns over personalized customer experience in an age of exploding mobile technology and increased branch closings?   
 
Click HERE to learn what five pointers experts offer for banks that will endeavor to raise the bar on every crucial front, from ethics to sales to consumer loyalty. 
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What's In Store for Housing in 2017?
The NAR answers, gives forecast for next year
by Brena Swanson
  
For the majority of this year, the housing market could not get past low inventory levels, which  were continuously cited  as the main road block to a fully healthy housing market. Next year should be better, according to the newly release forecast from the National Association of Realtors , but it's going to take time. 
 
Click   HERE  to learn more about predictions shared by  Lawrence Yun, chief economist of the National Association of Realtors, and Dennis Lockhart, president and CEO of the Federal Reserve Bank of Atlanta , discussed the 2017 housing and economic forecast, along with the economic conditions that support the housing sector.
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**Remember to offer your borrowers Owner's Coverage on their most valuable investment. It's a one time premium with a lifetime of security. In addition, they will receive a reduced premium rate when they obtain it simultaneously with your Lender's Coverage.**

WANTED: YOUR FEEDBACK 
What Topics Are On Your Mind?
         
Bankers Title Shenandoah wants to provide you with pertinent information in future E-Blasts and Webinars. What questions are on your mind regarding the real estate and mortgage lending industry? What topics would you like addressed in future E-blasts? Send us your thoughts.
Butch Rutherford
Vice President & Agency Manager
Bankers Title Shenandoah, LLC
202 N. Loudoun Street, Suite 310
Winchester, VA 22601
540.678.8200
1.888.259.7184
www.bankerstitleshenandoah.com
Settlement Services Office:
2040 Deyerle Avenue, Suite 106
Harrisonburg, VA 22801
540.437.9560
1.888.437.9560
 
Integrity. Security. Excellence.

Bankers Title Shenandoah is committed to maintaining customer satisfaction by delivering quality title insurance products and closing services in an accurate and timely manner.

Our professionalism, technical knowledge and experience provide security as we insure protection for your most valued investment.
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