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October 2020
Title Notes E-News

**IMPORTANT NOTICE**: Due to unprecedented high settlement volume, Virginia Title Center is requesting a
minimum of a 30 day process from receipt of order to scheduled settlement date on ALL settlement files.
Creating an exceptional client experience for all parties involved is paramount.
Thank you for your continued support and understanding.

Courthouses and Virginia Title Center
will be closed on Monday, October 12th
in observance of Columbus Day
The 18 Most Powerful Habits That Can Make You Super Smart
by Thomas Oppong

If you're not becoming a better version of yourself, you're not growing. If you're not growing, you're not becoming smarter, or a better human. Winston Churchill once said, "To improve is to change; to be perfect is to change often." No matter how much you develop the necessary skills to improve any given aspect of your life, you can always improve and get better. Getting better and improving yourself is a life-long process. Click HERE to discover ideas that can have a significant impact on your life and career now and in the future.

Here are additional articles related to Personal Development that may be of interest: 
5 Reasons Mortgage Rates Will Rise in 2021
David Stevens looks into his mortgage crystal ball
by David Stevens

Let me be a contrarian: Get ready, because mortgage rates are going to rise in 2021. Now before you respond, just read the rest as to why. The Mortgage Bankers Association in its most recent forecast sees two things that stand out. First, 2020 will prove itself to be the second biggest mortgage year in history. Topping $3 trillion will put it only behind 2003 in single family mortgage production history. Second, the MBA joined the GSEs and other economists who forecast a significant drop in mortgage production in 2021, with most estimating declines in the range of $700 - $800 billion year over year. Click HERE to read the reasons David gives as to why upward pressure on mortgage rates could stall the refinance wave and cut overall national originations volume in 2021.

Here are additional articles related to the Mortgage Industry that may be of interest to you.
Here We Grow ... Yet Again!

Please join us in welcoming the following new teammates to the #VTCDREAMTEAM

Crystal Boyd Joins VTC Team as Settlement Processor
Crystal will be responsible for coordinating and performing all aspects of residential and commercial real estate closings. Crystal has over 10 years of commercial processing experience in the banking industry, and is also a licensed Cosmetologist where she has owned and operated her own salon since 2014. Crystal is a graduate of Franklin County High School and obtained her Associates in Business Management from Patrick Henry Community College. She resides in the Snow Creek area of Franklin County with her husband, Kevin and 2 of their 5 kids. In her spare time she enjoys reading, doing hair and making memories with her family and friends.

Amber Cockram Joins VTC Team as Settlement Processor
As a legal assistant, Amber brings over 14 years of knowledge and experience in both residential and commercial real estate closings and title examinations. In addition, almost 5 years experience as Deputy Clerk in Circuit Court where she was responsible for criminal, civil and probate filings as well land and judgment recordings. She is responsible for coordinating and performing all aspects of residential and commercial real estate closings. Amber is highly focused and driven to put her knowledge and experience to work to provide excellent customer service for clients, lenders and realtors. She is a Floyd County native and resides there today with her husband, Bradly and their three children, Mallory, Mason and Makenna. When she is not on a ball field or court with her kids, you can find her spending time with family and friends.

Savannah Dalton Joins VTC Team as Settlement Processor
Savannah brings over four years of mortgage and settlement experience to the team. As a VTC Settlement Processor, Savannah is responsible for coordinating and performing all aspects of residential and commercial real estate closings. In her spare time, she enjoys a wide spectrum of activities including, but not limited to, playing video games, cosplaying, and moderate level hikes. Savannah currently lives in Christiansburg with her fiancé, sheltie pup, and two cats.

Skyler Wood Joins VTC as Search Coordinator
Skyler joined the Virginia Title Center team in August 2020 as a Search Coordinator. He will also be a supporting character around the office to help with various additional responsibilities. Skyler grew up in Salem, Virginia attending Salem High School, and continued his education at James Madison University where he is now a recent graduate with a B.S. in Health Science. When he is outside of the office, you can catch him volunteering in his community with friends and spending time with family.

Click HERE to learn more about the rest of the #VTCDREAMTEAM

And Check Out Our Stellar Part-Time Support Team

Are The Next Great Leaders Hiding in Plain Sight?
by Joel Garfinkle

There are plenty of statistics that clearly show most organizations have great talent in their midst, going largely underutilized and chronically overlooked. Chances are good yours is one of them - so where to begin? In my leadership training "Release the Untapped Potential of Your Underutilized Leaders," I discuss how to identify the undiscovered and bring out the hidden leadership talent so they can really shine. Click HERE to gain insights into the seven places your organization must look to find the next great leaders who are hiding in plain sight.

Here are additional articles on Leadership that may be of interest: 
4 Charts That Show How Different the Banking Industry is Today From the Great Recession
by Bram Berkowitz

The FDIC recently posted its second-quarter banking profile, a snapshot of earnings results for all banks insured by the FDIC that provides an overview of how the industry is performing as a whole. Given how much stress the coronavirus pandemic has put on the economy, and the recession the country finds itself in, the FDIC's quarterly profile is a good way to compare the industry now to what it was like during the Great Recession. Click HERE to view four charts that illustrate how much stronger the banking industry is now compared to 2008 and 2009 during the height of the Great Recession.

Here are additional articles on Banking that may be of interest: 
Reserve Your 
Virginia Title Center

2021 Weekly Planner

Limited Quantities Available

Click HERE to reserve yours today!



*For Title Only Files - please send to
*For Settlement Files - please send to

*For Title Search Requests, Title Searches, and Title Updates - 
please send to

These general e-mail boxes are monitored regularly by VTC teammates.
Please do NOT send new orders directly to a VTC teammate. Thank you!


**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.**

What Topics Are On Your Mind?

Virginia Title Center 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 Patti your thoughts.
Past issues of the Virginia Title Center E-News are archived on our website HERE
Patti L. Dickerson                                      

Give us a call and let us know how we can better serve you and your team!

Director of Operations & Marketing
Virginia Title Center, LLC
Integrity. Security. Excellence.


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