Advanced Title

Advanced Title
Advanced Title is listed in the Title Companies & Agents category in Chesapeake, Virginia. Displayed below is the only current social network for Advanced Title which at this time includes a Facebook page. The activity and popularity of Advanced Title on this social network gives it a ZapScore of 66.

Contact information for Advanced Title is:
1428 Kempsville Rd
Chesapeake, VA 23320
(757) 549-2961

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Advanced Title has an overall ZapScore of 66. This means that Advanced Title has a higher ZapScore than 66% of all businesses on Zappenin. For reference, the median ZapScore for a business in Chesapeake, Virginia is 40 and in the Title Companies & Agents category is 39. Learn more about ZapScore.

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CFPB Compiles List of Top TRID Gaffes September 21, 2017 The Consumer Financial Protection Bureau (CFPB) released a list of common mistakes following the first round of mortgage origination examinations for compliance with the TILA-RESPA Integrated Disclosures (TRID) rule. Referred to by the CFPB as Know Before You Owe, the bureau reported the findings in its summer edition of its Supervisory Highlights. While the CFPB failed to provide a formal hold-harmless period, the bureau did state that it would be sensitive during these early examinations. In the report, the bureau noted that supervised entities “were able to effectively implement and comply with the Know Before You Owe mortgage disclosure rule changes.” However, the CFPB did compile a list of most common mistakes relating to the content and timing of Loan Estimates and Closing Disclosures: Amounts paid by the consumer at closing exceeded the amount disclosed on the Loan Estimate beyond the applicable tolerance threshold. The entity or entities failed to retain evidence of compliance with the requirements associated with the Loan Estimate. The entity or entities failed to obtain and/or document the consumer's intent to proceed with the transaction prior to imposing a fee in connection with the consumer's application. Waivers of the three-day review period did not contain a bona fide personal financial emergency. The entity or entities failed to provide consumers with a list identifying at least one available settlement service provider, if the creditor permits the consumer to shop for a settlement service. The entity or entities failed to disclose the amount payable into an escrow account on the Loan Estimate and Closing Disclosure when the consumer elected to escrow taxes and insurance. Loan Estimates did not include the date and time at which estimated closings cost expire. The entity or entities failed to properly disclose on the Closing Disclosure the fees the consumer paid prior to closing. The reports states that, "Examiners worked in a collaborative manner with one or more entities to identify the root cause of these violations and determine appropriate corrective actions, including reimbursement to consumers where tolerance violations occurred."

Here are some tips on building strong passwords. A Strong Password Should: be at least 8 characters in length contain both upper and lowercase alphabetic characters (e.g. A-Z, a-z) have at least one numerical characters (e.g. 0-9) have at least one special character (e.g. ~ ! @ # $ % ^ & * ( ) - _ + =) A Strong Password Should Not: spell a word or series of words that can be found in a standard dictionary spell a word with a number added to the beginning and/or the end be based on any personal information such as family name, pet, birthday, etc. be based on a keyboard pattern (e.g. qwerty) or duplicate characters (e.g. aabbccdd) The following are vital suggestions for using passwords Do not share your password with anyone for any reason. Change your passwords periodically—at least every three months. Do not write your password down or store in an insecure manner. Never store a password in an unencrypted electronic file or use the "save my password" feature on websites for important passwords. Do not use automatic logon functionality on websites or devices. Avoid reusing a password. Avoid using the same password for multiple accounts or sites. If you have an in-home Internet router, change the default password. Each router has a basic default username and password combination. This makes it easier for hackers to break into your network.

ENCRYPTION & SAFEGUARDING YOUR DATA Are YOU working with a title company or attorney's office whose emails and scans are encrypted? Advance Title's emails and scans from the copier are all encrypted!!! What is encryption? Encryption is the method of protecting data from being accessed by an unauthorized party putting our customers and partner’s privacy in jeopardy. As an example, if you have customer data not encrypted on a laptop and the laptop is stolen, the data can be recovered and accessed by unauthorized person. If the data were encrypted, the data would be protected from being accessed ensuring privacy for our customers and partners. There are many types of encryption but the basic principle remains the same, data is encrypted with an algorithm rendering data only readable when a decryption algorithm is available. This keeps the data stored or transmitted in an unreadable format so that unauthorized parties are not able to access and use the data. Why should you encrypt data? In today’s world of identity theft and cyber criminals using data against us, we owe it to our customers and partners to ensure non-public and sensitive data does not fall into the hands of an unauthorized party.

Buying a home is an exciting time. You’ve saved, found the perfect home and planned the move. Now, the closing day for your home is just around the corner. The American Land Title Association wants to make sure your home purchase doesn’t get derailed by a dangerous threat that could keep you from getting the keys, painting walls and decorating. Criminals have stolen money meant for the purchase of homes through malicious wire fraud schemes targeting consumers across the country. Here are five tips to protect against wire fraud: Call, don’t email: Confirm all wiring instructions by phone before transferring funds. Use the phone number from the title company’s website or a business card. Be suspicious: It’s not common for title companies to change wiring instructions and payment info Confirm it all: Ask your bank to confirm not just the account number but also the name on the account before sending a wire. Verify immediately: You should call the title company or real estate agent to validate that the funds were received. Detecting that you sent the money to the wrong account within 24 hours gives you the best chance of recovering your money. Forward, don’t reply: When responding to an email, hit forward instead of reply and then start typing in the person’s email address. Criminals use email address that are very similar to the real one for a company. By typing in email addresses you will make it easier to discover if a fraudster is after you.

"A home is not a mere transient shelter, its essence lies in its permanence, in its quality of representing in all its details the personalities of the people who live in it." H.L. Mencken Let Advance Title & Abstract assist in closing the purchase or sale of your home! We have 7 offices in the Hampton Roads geographical area for ease of working with agents and their clients!