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January 2026

Title Notes

E-News

View 2026 Settlement Fee Schedule


Virginia Title Center and the Courthouses will be closed on Monday, February 16th

in observance of President's Day

Housing Market Momentum Builds as Early‑Year Indicators Align

by Rachel Bader



Early 2026 housing data is showing something we haven’t seen in years: multiple indicators finally moving in the same positive direction. Buyer demand is strengthening as mortgage rates hover near 6%, pending home sales are rising week over week, and inventory is expanding from a much healthier baseline than recent years. With stable pricing and more new listings hitting the market, experts say these early‑year trends could signal the beginning of a more balanced and functional housing market—one that benefits both buyers and sellers. Want to see what’s driving this renewed momentum and what it could mean for the months ahead? Click HERE to read the full analysis.

Mixed Economic Signals Push Fed to Stabilize Rates

by Eric C. Peck


The Federal Reserve has hit the “pause” button again—this time in response to an economy sending contradictory signals. While growth remains solid and inflation is still above target, job gains have softened and uncertainty continues to cloud the outlook. In his latest piece, Eric C. Peck breaks down why the Fed chose to hold rates steady, the growing divide inside the FOMC, and what this decision could mean for mortgage rates, buyer behavior, and the broader housing market in 2026. If you want to understand the forces shaping rate policy—and how close we may be to the next move—this is a must‑read. Click HERE to read on.

Fraud Prevention Is a Hidden Key to Housing Affordability

by Chris Morton


Everyone is talking about mortgage rates, inventory shortages, and zoning reform—but almost no one is talking about one of the most surprising forces quietly shaping housing affordability: fraud prevention. In this eye‑opening piece, the author reveals how rising cybercrime, wire fraud, and identity‑theft schemes inject hidden costs into every real estate transaction—and how the title insurance industry is working behind the scenes to protect consumers and keep homeownership attainable. With billions lost to fraud in recent years and risk continuing to climb, this article exposes a side of affordability most policymakers overlook. Want to understand why fraud prevention may be one of the most powerful—and overlooked—affordability tools we have? Dive into the full story HERE.

5 Ways to Live a Luckier Life, Starting Tomorrow

by Jeff Haden


What if luck isn’t something that just happens—but something you can actually create? In this fascinating Fast Company piece, neurologist James Austin breaks down the four types of luck and reveals that three of them are directly influenced by your actions. From taking more chances to tuning into the opportunities most people overlook, these science‑backed strategies show how simple shifts in behavior can dramatically increase the “lucky breaks” in your life. Curious how to stack the odds in your favor—starting tomorrow? Click HERE to learn more.

Report: Community Banks Set For a Strong Year

by Sam Wilmes


Community banks may be stepping into their strongest year yet. In his latest report, Sam Wilmes highlights why industry confidence is on the rise—from improving margins and stabilized credit quality to renewed loan demand and healthier local economic conditions. With bankers expressing optimism across core metrics and early‑year performance indicators pointing upward, the outlook suggests 2026 could be a breakout year for relationship‑driven institutions. Want to understand the forces shaping this momentum—and what it could mean for lending, deposits, and community growth? This article offers a compelling look at why community banks are poised for a powerful year ahead. Click HERE to learn more.

Is Your Leadership Style Too Nice?

by Ron Ashkenas and Gali Cooks


Many leaders pride themselves on being supportive and kind—but what happens when “being nice” starts holding your team back? In this eye‑opening Harvard Business Review article, the authors explore the hidden ways that avoiding tough conversations, dodging accountability, and sparing feelings can quietly erode performance and drain morale. They argue that great leadership isn’t about being nicer—it’s about being good, which means setting clear expectations, delivering candid feedback, and making disciplined decisions that help people and organizations grow. If you’ve ever wondered whether your desire to be liked is getting in the way of leading effectively, this is a must‑read. Click HERE to learn more.

How Banks Can Stop Alienating New Small Businesses

by Matthew May


Fintechs are winning over newly launched small businesses because they deliver what traditional banks often don’t: speed, transparency, and experiences tailored to fast‑moving founders who operate very differently from mature firms. Banks frequently rely on rigid onboarding, legacy underwriting, slow processes, and one‑size‑fits‑all products—signals that leave new SMBs feeling misunderstood and push them toward fintech partners that match their pace and needs. To beat these challengers the author argues that banks must rethink the earliest stages of the business lifecycle by streamlining onboarding for companies without deep financial histories, tailoring product bundles to growth stages, and eliminating friction that erodes trust. Banks that adapt to how modern entrepreneurs actually work can reclaim and retain the next generation of SMB clients. Click HERE to learn more.

For The Real Estate Practitioner

For The Real Estate Enthusiast

CHECK OUT OUR NEW QUOTE CALCULATOR!

Works on laptop, tablet and phone

Set up Your Account to Brand Your Title Quotes, Buyer Estimates, Seller Net Sheets and More!

🔐 Security & CertifID Spotlight:

Virginia Title Center Has Your Back!


At Virginia Title Center, protecting your transactions is our top priority. In an industry where wire fraud and cyber threats are on the rise, we go above and beyond to safeguard your clients and your reputation.


We proudly utilize CertifID to verify identities and secure wire instructions, ensuring peace of mind for everyone involved. But we don’t stop there — our security stack includes:


✅ Positive Pay to prevent check fraud

✅ Rynoh for real-time escrow account monitoring

 Three-way daily reconciliation to ensure financial accuracy and transparency


We also partner with Investors Title who shares our commitment to security and compliance.


📄 Explore our latest security flyers:


Why it matters: When you choose Virginia Title Center, you’re choosing a partner who’s proactive, vigilant, and always looking out for your and your clients' best interests.

Click HERE for more information on how we can assist you.
ATTENTION LENDERS:
Important Information Regarding Receipt of Closing Packages
Virginia Title Center appreciates your support and cooperation in submitting your closing packages with clear to close no less than 24 hours before the scheduled date and time of closing.

It is the practice of our settlement processing team to review the documents submitted for accuracy prior to providing them to our closers. Often, our mobile closers need to travel up to an hour to the closing destination and also choose to review documents for questions prior to closing.

This 24 hour standard allows us to keep the client the top priority, and assure a smooth closing. A positive experience reflects favorably on you, your company, and Virginia Title Center. If your closing department is unable to meet this 24 hour prior to closing target, we will request that the closing be rescheduled.

Please share this with your team members as appropriate. Thank you for your understanding.
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Patti L. Dickerson

Director of Operations & Marketing

Virginia Title Center, LLC

1.800.468.5811 or 540.772.0585


pdickerson@virginiatitlecenter.com


www.virginiatitlecenter.com






Integrity. Security. Excellence. 


Main Office:

3565 Electric Road, SW, Suite J

Roanoke, VA 24018


Rocky Mount Office:

270 South Main Street, Suite 201

Rocky Mount, VA 24151


Blacksburg Office:

1997 South Main Street, Suite 604

Blacksburg, VA 24060


Danville Office:

530 Craghead Street, Suite 104A

Danville, VA 24541

Virginia Title Center is committed to serve you with unmatched expertise, exceptional customer service and a comprehensive selection of title and settlement solutions to help you grow and succeed. 
 
Our professionalism, technical knowledge and experience provide security as we insure protection for your most valued investment.