Kelsey Trujillo

O.M.G...friends, you are not going to believe this... ... ... ... ...... I MISS YOU!!!! We are officially 2 weeks into the New Year and it has been interesting to say the least. With more and more offices (understandably) closing to the public and more of your working from home then ever before, I need a way to give you updates! ... ... ... ... (Insert Drumroll) Presenting... Just me with some information you need to know. Today, I will be talking about The upcoming County Recorder Holiday. Accommodation Deeds and Vital Records Information. New Rates and where to find them. When is an Indemnity Package required for new construction? ... ... ... ... As always, please don't hesitate to reach out with any questions or needs that you may have. Chicago Title has your back!!

Friendly Reminder from your local title resource. The 1st Installment of Property Taxes will be late if not paid by 5:00pm on Thursday, December 10th. There are multiple ways to pay if you haven't already...... Phone (909.387.8308) Mail (268 West Hospitality Lane, First Floor, San Bernardino CA 92415-0360) Online (www.mytaxcollector.com In Person (no appointment needed) If you have been unable to pay your property taxes on time due to Covid-19, there is a penalty waiver form available online (same website as above). Not ALL properties will qualify and taxes must be paid in full before applying for the waiver.

Real Estate Industry Friends.... Guess what!? Our Chicago Agent ONE app has had a MASSIVE update and it's the best one yet. Videos branded to you are just a little sneak peak on what this update is offering. ... Here are a few others... Dynamic Infographics NEW upsizing calculator Lenses available in portrait mode to perfectly fit any "Story" you share. Plus, so much more.... I am super pumped about this one and I know YOU will be too. Update your app in the app store TODAY and then slide into my DM's so we can schedule a quick 15-20 minute tutorial to go over ALL the latest and greatest features just added. Can't wait to see you on ZOOM.

Happy Thanksgiving to you and yours!

Hey Real Estate Friends!! Check out this short, less than two minutes, video on how Chicago Title makes it easy to PreVIEW your Preliminary Title Reports. Two minutes now will save you hours down the line and will teach you a few tips/tricks while we are at it too. ... #timeismoney #chicagotitle #worksmarternotharder #yourtitleresourceataltitude

Don't Forget... The San Bernardino and Riverside County Recorder will be closed this coming Wednesday, November 11th in observance of Veterans Day. Our Chicago Title offices will still be open and ready to help with your title and escrow needs!!

Wishing you all a safe and wonderfully spooky Halloween!! Don't forget to turn those clocks back tonight. Yay for an extra hour of the weekend. #chicagotitle #halloween2020 #daylightsavingsends

NEW Infographics are available on Chicago Agent ONE. If you don't have this app on your phone yet, what the heck are waiting for? ... Let me know if you are interested and we can get it set up for you in under 3 minutes. Yes, it's that easy!!!

Do you ever come across a quote that sticks with you long after your've finished reading (or in this case hearing)? This is mine... What's YOUR Everest...? Boom! Something about this three worded question just really resonated with me so I grabbed a piece of paper that was nearby, wrote it down, and stuck it on my fridge a few weeks ago. (Bonus points if you recognize what is on the other side of this paper. ) It's one of the first things I read every morning and although I am still figuring out my answer, it helps me stay focused on the daily goals that will lead me to MY Everest one day. Whatever and wherever that will be. What's your something that helps keep you on track and motivated? Do you know what YOUR Everest is?

NEW Infographics are available on Chicago Agent ONE. If you don't have this app on your phone yet, what the heck are waiting for? ... Let me know if you are interested and we can get it set up for you in under 3 minutes. Yes, it's that easy!!!

Friendly Reminder... The San Bernardino County Recorder is closed this Monday, October 12th in observance of Columbus Day.

One of the best parts of living in the San Bernardino Mountains is the fact that we get to experience all four seasons while still being in Southern California. Today, just so happens to be the start of one of my most favorite three months out of the year. ... Happy Autumnal Equinox friends!! What's your favorite season? #happyfallyall #pumpkinspiceeverything #leaveschanging #cozyhome #applepicking #chicagotitle #sanbernardinomountains #Lakearrowhead #bigbear #crestline #byesummer See more

"If we learn nothing from this tragedy, we learn that life is short and there is no time for hate." - Sandy Dahl, the wife of Flight 93 pilot Jason Dahl ... #neverforget #notimeforhate #september11 #remembering #lifeisshort #bigbearlake #Lakearrowhead #sanbernardinomountains See more

The San Bernardino Mountains need listings!!! For all my friends with cabins and homes up here , if you have been considering selling your place, trust me when I say, NOW is the time. ... PS. Make sure you use a local REALTOR!! I know you have friends down the hill that will do it for you but they don't know the ins and outs of mountain living like a local. Ask them what side of the street should the home be on for the best chance of the snow melting away in the morning? Or ask them to show you how to winterize a property? Or what are subterranean termites? Or where are the local flight paths? My favorite question to stump them is what's the difference between the lake at Arrowhead and the lake at Big Bear? You truly need someone who lives on the mountain to ensure you are in the best and most knowledgeable hands.

It's Title Terminology Thursday and we are talking about Sub-escrow, also known as loan payoffs. Ready... Set... Go A Sub-escrow (loan payoff) is an extremely important service provided by title companies to facilitate the handling of money in the closing of a real estate transaction. ... The performance of the Sub-escrow/Payoff function, exclusive of escrow services, is unique to Southern California (we are special ). No, really though, this is because a majority of our customers are independent escrow companies and the majority of our title orders require payoff services. Our Sub-escrow department does not draw escrow instructions or documents (i.e. Grant Deeds, Trust Deeds, etc.) and they do not order demands for Payoff. They simply take the funds from the buyer at the close of escrow and use them for payment of any obligations the seller may have (i.e. mortgage, liens, etc). When receiving quotes from escrow, you may see a fee on there called a "Sub-escrow fee" and your clients might ask you what exactly that is since they are already paying an escrow fee. This is generally a small fee charged to reimburse the title company for processing and disbursing these pay-offs and net proceeds. It's important to understand and be able to explain that an escrow and a sub-escrow are two different functions in the transaction. As always friends, I am here if you have any questions.

In a real estate market this hot , you need all the extra time you can get. Let me help take some things off your plate by introducing you to some of Chicago Title's newest tools that not only maximize your productivity but also help grow your business at the same time. ... We have all the pieces, now let's set up a meeting so I can share them with YOU.

Are you getting married? Do you need a vital record such as a certified death certificate or birth certificate ? What about a document that needs to be recorded? If you answered yes to any of these or if you just want to be in the know, then check out this short video from the San Bernardino County Assessor-Recorder-Clerk discussing the changes and implementations taking place at their business due to the current pandemic. We all know that this is a fluid situation with changes happening what seems like daily but as of today, this is how business is being done.

This week I want to talk about the "Deed of Trust" (or also referred to as trust deeds). You will see these often on Preliminary Title Reports where any loans attached to the house have not been satisfied yet. If you do see this show-up, do not panic! These are common. Escrow will order a demand from the lender(s) which will allow the title company to pay off the existing loan(s) using proceeds from the new buyer’s loan (or proceeds if all cash). ... So, what exactly is a Deed of Trust? A Deed of Trust is a security instrument used by the borrower to convey "bare legal" title to the property, to a neutral 3rd party for the purpose of securing an obligation payable to the lender. "Bare legal" title means ownership without any of the benefits. I like to use the analogy of purchasing a vehicle with a loan to help explain this concept. Think about what happens when you buy a new vehicle using a loan. You own the car and get to enjoy the car but you do not get the actual pink slip until the loan is paid off. Then, when your obligation is satisfied (the loan is paid off), the lender sends the pink slip to you by mail (i.e. reconveys the title). So what happens when a Deed of Trust is paid off since we don't have pink slips for real property? Well, when the debt or obligation secured by a Deed of Trust has been satisfied, the beneficiary (lender) must execute a request for full reconveyance and any other documentation necessary to cause the Deed of Trust to be reconveyed and submit this documentation to the named Trustee. The trustee will then execute and record a "Full Reconveyance" in the county wherein the Deed of Trust was recorded. What you do need to watch out for is old trust deeds from previous owners (or sometimes the current owner if they have refinanced). If you find a trust deed listed that has already been paid, or that looks like it was taken out by a previous owner, call us or your escrow officer as soon as possible. As always my friends, you know the many ways to reach me if you have any questions.

Guess what??? The County Recorder in San Bernardino is taking appointments for in-person recordings at the Hall of Records!!!! Woohoo!! Call 909.387.8306 to schedule your appointment.

Happy 4th of July friends. "May we think of freedom, not as the right to do as we please, but as the opportunity to do what it is right." ~ Peter Marshall ... Wishing you ALL a safe, happy, and wonderful holiday weekend.

How many of you noticed an increase in the cost to record a document starting just a few years back? CA SB-2 Building Homes and Jobs Act is the reason why! You will hear us in the title world refer to this as SB-2 Fees. Commencing January 1, 2018, in addition to any other recording fees, a $75 assessment shall be paid at the time of recording of every real estate instrument; which is described in the law as including but not limited to:... Deed Grant Deed Trustee’s Deed Deed of Trust Reconveyance Quitclaim Deed Fictitious Deed of Trust Assignment of Deed of Trust Request for Notice of Default Abstract of Judgement Subordination Agreement Declaration of Homestead Abandonment of Homestead Notice of Default Release or Discharge Easement Notice of Trustee Sale Notice of Completion UCC Financing Statement Mechanic’s Lien Maps Covenants, Conditions, and Restrictions The new law requires the county recorder to send revenues from this fee quarterly, after deduction of any actual and necessary administrative costs incurred by the county recorder, to the Controller for deposit in the Building Homes and Jobs Fund. The good news is that there are a few exceptions! The fee is not imposed on any real estate instrument, paper, or notice recorded in connection with a transfer subject to documentary transfer tax or in connection with a transfer of real property intended to be occupied by the owner. In other words, the documents recorded in connection with a sale transaction subject to documentary transfer tax are not subject to the $75 assessment (usually most resales will be exempt). In addition, a transfer NOT subject to transfer tax wherein the transferee/buyer will occupy the property as their residence is also not subject to the $75 assessment. (Transfer is the keyword here!!) Documents believed to be exempt from paying the fee must identify a valid exemption on the face of the document, or on a document cover page (San Bernardino County has one available on their website) when submitted for recording. If no valid exemption is declared, the fee may be assessed.