Strategic & Planning
Our services are designed to facilitate simple and complex residential, vacation, commercial and industrial transactions; reduce risk; and lower operating costs by creating efficiency through innovative end-to-end processing solutions. We have a proven track record of being always first to market and, as a result, have secured strong market share in each region.
With the international division’s reach, our team provides services to more than 7 approved countries through its direct operations with over 400 employees
Escrow accounts and title services for international transactions are often necessary in trade, to ensure the goods purchased by the buyer are received in good order and according to the buyer’s agreement with the seller.
Our team can always provide the buyer and seller with peace of mind, through TRUST Escrow Accounts (referred to as “TEA”) so funds for their transaction are secure. Additionally, TEA accounts are FDIC covered accounts insured by the United States Government. Our team also serves as a 3rd party in the transaction to insure proper release of funds according to the irrevocable terms of the TEA escrow.
For instance, a typical buyer would open a TEA account and provide specific terms for the seller. If the seller agreed, then our team would open a TEA account with both parties’ approval and the seller would wire funds to held in an FDIC insured account until transaction was concluded. Upon successful delivery of the sellers’ goods to buyer, our team would release funds to the seller.
What Include in the Service?
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RESEARCH AND PLANNING
Whether you’re a local community bank, regional credit union or national lender, you can rely on AT&E,LLC to meet your needs. We will work with you to learn the ins and outs of your business, developing a long-lasting relationship that helps us better serve you with solutions designed to meet your specific needs for origination, mortgage servicing and capital markets?
Closing on a home? Your AT&E, LLC agent is ready to respond quickly to answer your questions and meet your needs while providing valuable guidance about the real estate transaction and closing process. Choose AT&E, LLC and get peace of mind that your transaction is being handled in the best way possible.
In today’s constantly changing environment, it’s more important than ever to work with companies you can trust to always have your best interests in mind and work with you in the true spirit of partnership. Whether you’re a local community bank, regional credit union or national lender, you can rely on AT&E, LLC to meet your needs.
SETTLEMENT OR CLOSING THE TRANSACTION
The escrow or settlement agent oversees closing of the transaction. The seller signs the deed and closing affidavit. Buyer signs the new note and mortgage. The old loan is paid off. Seller, real estate agents, attorneys and other parties present at the closing of the transaction are paid.
Our company welcomes you with a title insurance policy to protect the interests of both property owners and buyers on vacation, residential and commercial resale, new construction and refinance transactions.
Title insurance for property owners, called an Owner’s Policy, is usually issued in the amount of the purchase. It is purchased for a one-time fee at closing and is valid for as long as the owner or his heirs have an interest in the property. Only an Owner’s Policy fully protects the buyer should a covered title problem arise with the title that was not found during the title search. Possible hidden title problems can include:
- Errors or omissions in deeds
- Mistakes in examining records
- Undisclosed heirs
Title insurance for mortgage lenders title insurance is called a Loan Policy. Most lenders require a Loan Policy when they issue a mortgage loan. The Loan Policy is usually based on the dollar amount of the loan and it protects the lender’s interests in the property should a problem with the title arise. It does not protect the buyer. The policy amount decreases each year and eventually disappears as the loan is paid off.
Using Modern Key Techniques
In simple words, the title to a piece of property is the evidence that the owner is in lawful possession and ownership of that property.
Escrow is always referring to the process in which the funds of a transaction (such as the sale of a house) are held by a third party, often the title company or an attorney in the case of real estate, pending the fulfillment of the transaction.
Insurance such as home, car, life, health, etc., protects against potential future events and is paid for with monthly or annual premiums. A title insurance policy insures against events that occurred in the past of the property and the people who owned it, for a one-time premium paid after the close of the escrow.
Our title insurance protects clients against claims from defects. Defects are things such as another person claiming an ownership interest, improperly recorded documents, fraud, forgery, liens, encroachments, easements and other items that are specified in the insurance policy.
Research & Analysis
Final Thoughts & Conclusion
We have grown to one of the pre-eminent title companies.