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Steven Brouer

Branch Manager

sbrouer@wfgtitle.comOffice: 214-620-2288

2150 S. Central Expressway, Suite 180, McKinney, TX 75070

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About Me

Steven Brouer is a Branch Manager and Senior Escrow Officer who works mainly with Investors but has worked most of the transactions around; Home Purchase, Refinance, REO, Short Sales, and Investors. The goal for him and his branch is to help expedite the closing process to get you onto your next real estate goal as quickly as possible. Steven knows what you do for others shows what type of person you truly are. Character is never questioned when working with Steven, he is going to get the job done the right way in as little time as possible.

With 17+ years’ experience in the industry, he knows the pitfalls that hold up a lot of closings and how to work to remedy them. Steven holds a Bachelor of Business Administration Degree in Finance from The University of Texas at Tyler.

In his free time, you can find him out with his Doberman walking the parks and trails enjoying the outdoors. As a lifelong DFW resident, he’s enjoyed watching the area grow to what it is now and looking forward to the additional growth in our area.

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Because of you, I WILL always have passion for my work and top-notch service for you and your clients.”

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What IS Title insurance

Answering all your questions

Title is a bundle of rights in real property. Protecting purchasers and lenders against loss is accomplished by the issuance of a title insurance policy. Usually, during a purchase transaction the lender requests a policy (commonly referred to as the Lender’s Policy) while the buyers receive their own policy (commonly referred to as an Owner’s Policy).

In short, the policy states that if the status of the title to a parcel of real property is other than as represented, and if the insured for that loss and any related legal expenses, up to the face amount of the policy, subject to exceptions and exclusions contained in the policy.

Typically there are two policies issued. The Mortgagee’s Policy insures the lender for the amount of the loan. The Owner’s Policy insures the purchaser for the purchase price.

While the function of most other forms of insurance is risk assumption through the pooling of risks or losses arising out of unforeseen future events (such as sickness or accidents), the primary purpose of title insurance is to eliminate risks and prevent losses caused by defects in title arising out of events that have happened in the past. To achieve this goal, title insurers perform an extensive search and examination fo the public records to determine whether there are any adverse claims (title defects) attached to the subject property. Said defects/claims are either eliminated prior to the issuance of a title policy or their existence is excepted from coverage. Your policy is issued after the closing of your new home, for a one-time nominal fee, and is good for as long as you own the property.

Immediately contact your escrow officer and notify them if someone is unable to attend or sign the closing documents for any reason.

An escrow is an arrangement in which a neutral third party (the escrow agent) assembles and processes many of the components of a real estate transaction, records the transaction, and ultimately, disburses and distributes funds according to the buyers’, sellers’ and lenders’ instructions. Your transaction is typically closed by an Escrow Officer. People buying and selling real estate usually open an escrow for their protection and convenience. Both the buyer and seller rely on the escrow agent to carry out their written instructions relating to the transaction and to advise them if any of their instructions are not mutually consistent or cannot be carried out. If the instructions from all parties to an escrow party are clearly drafted, the escrow officer can proceed on behalf of the buyer and seller without further consultation. This saves much time and facilitates the closing of the transaction.

Bring government issued identification card like a driver’s license or passport. Identification, must include a picture and signature for notary purposes. In the event that you are a borrower some lenders require two forms of identification so it is always best to have two forms of identification with you.

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How WFG is built for you

No matter what side of the transaction you’re on, the ins and outs of real estate can be stressful. But we knew from the start that WFG could make things easier for everyone. Our company is built on four simple cornerstones to serve you better.

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