Call us today to at (phone) to help you clear your next tax deed. And I had a project to clear a property where code enforcement normally put a lien on this gentleman’s property because he wasn’t cutting the grass or anything. So apparently that junk made some lots of money so it just all happen. So Philipe, he or I, we speak at those events. Title is… the deed. Title companies don’t like to do these things because imagine you buy this tax deeds, Sandra you bought this tax deed and try to go sell and then all of a sudden the former owner comes back and the former owners and a lot of time you got to do… Why do people not pay their property taxes? The attorney is not on the hook in a quiet title, he’s got judgment. I’ve got students that come in from all over the country as well and probably even from Europe and other countries as well and they are buying all over the place from the details that we are teaching them. So like in Georgia, I don’t know what states you teach in but Georgia you have to do the noticing yourself. Even after I explained the exact same things to him, his preference was to wait for a title insurance company to issue a policy than to accept a more powerful judicial verdict. I could speak their language and the same thing here with tax deeds. So I was very impresses with Dave and I’m very happy to have you on my very first session of what is soon to be or will be The Queen of Tax Deeds Podcast. Dave:  But then again that’s why learning from you is important, knowing what the value of that property is after rehab or actually in it’s as is condition factoring in rehab, come down from that, say…. If you are unable to confirm that all heirs have given up ownership in the property, a quiet title lawsuit may be the way to establish clean title and sole claim to the property. If you are relying on a title policy in the name of your relative who gave you the property by quitclaim deed, you are not covered by the title insurance, in which case file a quiet title action. And it’s like are you kidding me? Sandra: When I try to pick up the phone to call them they did not want to talk to me but obviously you got the relationship with the Attorneys to talk to them which is one of the benefits of using your service cause Attorneys sometimes they only want to talk with other Attorneys or people that are in the Mortgage industry or title industry. Imagine buying your dream home, closing the deal and then realizing the previous owner hadn’t paid property taxes for several years. Before the sale I talk to the people in the house. We’re good guys. If the seller won't give you a warranty deed, it'll be up to you if you want to settle for a quitclaim deed which conveys any interest that the seller might have but doesn't guarantee that he has any interest at all. While a lot of people were sending letters I was knocking on the doors cause look I worked as a TV News Reporter and they would send us out to go know on other people’s doors and usually when I knock on the doors it was not good news. Now, because we know that, the title registry doesn’t like to insure these things, that’s why they require quiet titles right. Unfortunate for you to do that Wells Fargo is going to look to him to go “you got to make us whole buddy. I wish that could come cross more with the industry. We’re slap in the eye. Dave:  Heck yeah right. Sandra: That’s all good news to me because it seems like you guys will go above and beyond for your clients. Always do your own due diligence and do not solely rely on the information provided here. Will your client cooperate? The cost in that running. So we skip trace Sandra and I see that if I was doing the noticing on behalf of the tax collector and I found Sandra over here, well the tax collector should have found her over there using reasonable due diligence and that’s what the court say. So then I became the first title officer for First America and out of California to specialize in dealing with mortgage foreclosures, one stop shop. So, let me back track a little bit more towards the tax deeds. Can we get a notice?” “Of course. So what I did was…. Hey Sandra, you didn’t pay your property taxes means the tax collector is foreclosing on you and you have this amount of time to pay your taxes and if you don’t we’re going to sell it to an investor who’s going to pay those taxes cause we need that tax money to run our hospitals and pave our roads and run our schools. So I drove around the neighborhood, had a note pad with me and a pen, something to write with and I rode through the neighborhoods looking for ugly houses and we’ll do a session and we’ll discuss that. At around the same time that I was wholesaling I got into tax deeds so that’s what the whole thing is about. But if you are doing a quiet title, they do hire, you are supposed hire actually your attorney that’s representing in the quiet title with hire an attorney. I’m the one that’s putting this thing back on the tax rolls and another thing is a lot of times even the properties that are cleaned up nicely, the grass is cut you can always tell too when you can look at a properties and tell if somebody cut it with care or if they just came through, mowed it, they were gone. We are on the hook. Dave: Yeah. To obtain a mortgage loan, title insurance is necessary. Dave: Again, that’s because we carve out 20-30% of these and put in people in buyback workouts. You just can’t sit by and think, I’ve got to learn everything I can before I get started in this business. Why don’t we know on knock on her door? So let’s talk about….. First, let’s talk about what’s title insurance. So it’s the same kind of concept. They said they contracted with us and we said that we can and we are ready to certify one time, they never pay for our service, came back a year later and we said, “Okay well we need to update everything. I was a Vice President there’s and develop this national foreclosure group for them. Dave:  It’s called cross collateralization, Dave: It’s called cross collateralization, Sandra:  Yes once they have the lien on one property in a county, they attach his address to everything. Sandra: Come down here Dave to the field trip. Why is the owner still living in the property? This process is only necessary when there are problems getting a clear title. You don’t just teach it, you actually do it and that’s what separates you from a lot of others. First American is still pretty much the biggest standalone company. Go to an auction just sit there, do your homework as if you’re going to bid, fake bid, realize what the bid was. That insurance can be vital to maintaining your investment portfolio and keeping your investing going smoothly. And so like five or six, seven years later it was time to get a new printer and it really was hard for me to let go of that printer because it symbolized, you know and new part of my investing business. The title companies insurance, we protect you and that’s why you want insurance. If you like the content provided in this session please do me the favor and leaving a favorable rating on iTunes. I left the offer with them even if they tell me no, I left the offer with them and a lot of times they would call me back later and say “You know what, we thought about it, we’ll take the money” you know cause they’ve got a closing date. Understanding this process is crucial for real estate professionals, as it can be an incredibly effective way of establishing true ownership. So because they can’t collect that money they open it up to investors to buy taxing certificates, to give them 5% on their money, to order them to collect because they need that money and then if they don’t, nobody redeems then they will sell an auction to another investor which is usually what I’ve done and I think the two day boot camps are about where you actually would go, Sandra correct me if I’m wrong, you guys will actually sit down, go to an auction probably and do a model auction where you’re just watching cause I’ve always recommended that too. 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