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CTCS Blog

CFPB Rules Improve Credit Access


The Consumer Financial Protection Bureau (CFPB) recently made changes to the nation’s mortgage rules. The agency believes that these adjustments will make it easier for prospective homebuyers to secure title insurance or access the credit that they need. The CFPB also revealed the adjustments should provide more home buying potential…

A Single Property Insurance Claim Can Significantly Raise Your Rates


Your homeowner’s insurance can increase by hundreds if you file just one property claim. It doesn’t matter the size, reason or fault of the claim. According to InsuranceQuotes.com, monthly premium rates rise by 9% with just one claim and upward to 20% for a second.   The loss doesn’t have…

Homeowners and Renters Together Again


If you’re a homeowner, you might assume that the majority of your neighbors are also homeowners. This same principle is true of many renters. As a general rule, most single family homes are owned by private parties, and most multi-unit residences are rentals. The mix of homeowners and renters, however,…

How Title Insurance Can Protect You in Unexpected Circumstances


Out of nowhere a title problem can occur. Having an Owner’s Policy can save the day and become your hero.   During the title search process some items may not be found in the public records or are unintentionally neglected. An Owner’s Policy of Title Insurance protects you during such…

S&P/ Case Shiller Releases Home Price Data


Read the June Report The 2013 housing market gains may have come to a halt. In June, the S&P/ Case Shiller reported that home prices are still increasing just at a slower pace than last years’ boost.   Don’t panic. It’s just a slowdown. If you are a home owner,…

CFPB Protect Consumers But Make It More Difficult for Banks to Approve Loans


The Consumer Financial Protection Bureau (CFPB) implemented new mortgage rules recently that provide homeowners and homebuyers with new privileges and better protection from harmful practices. The purpose of the new regulations is to reduce the uncertainty and ambiguity that hurt many homeowners prior and subsequently after the financial crisis.  …

5 Common Misconceptions About Title Insurance


Misconception No. 1: An owner is protected by a policy. Truth: This is a common misconception about title insurance due to the complexity of the indemnity. There are two types of title insurance. One policy is known as a loan policy. The loan policy is a required purchase typically included…

10 Steps to Homeownership


While you are sailing the deep blue to home ownership you may encounter rough seas and stormy winds. But no matter the weather, Clear to Close Services is here to ensure you reach your home destination safe and sound. Clear to Close Services guarantees you stay the course as we…

4 Tips for Investing In Real Estate


HGTV shows like “Rehab Addict” and A&E episodes of “Flip this House” glamorize real estate investing. They make the process look easy.   With the right research, planning, and due diligence the housing market can be a fantastic investment. Clear to Close offers some tips to help in the investment…

Things to Consider When Considering Outsourcing


The question of whether companies should outsource or continue with captive finishing operations has been much debated in corporate cycles. The debates remain ongoing especially considering that each option has its benefits.  When considering an outsource model, a number of factors come into play, including overall cost considerations to the…