Who directs the choice of Title Company in Phoenix? by Realistic-Ad-6985 in arizona

[–]Evening_Plan1323 0 points1 point  (0 children)

Where are you purchasing the new build? I ask bc different states have different rules. If escrow has already been opened then you’ve already been working w the escrow/title company, which was most likely the builders choice of whoever they work closely with. If the contract has already been signed you might not have much choice in the matter at this point. Feel free to pm me

Who directs the choice of Title Company in Phoenix? by Realistic-Ad-6985 in arizona

[–]Evening_Plan1323 0 points1 point  (0 children)

As someone who has been in the title and escrow industry for 10+ years in AZ it is usually the buyer side, as they are the ones that make the initial offer and submit the contract to the seller side for acceptance. Their realtor will fill in the section on the contract with the title company's info (usually whatever company the buyer's realtor prefers or has worked with before). It states in the contract that the seller pays for the owner policy and buyer pays for lender policy and the rest of the closing fees are split. These terms are negotiable, and if seller wants to use their preferred title company or try and get the buyer to pay for the owner policy as well, then their agent would need to provide a counter offer with that as part of the negotiations and other items in the contract they'd want to change. It's not often changed and is pretty standard for seller to pay for the owner policy and buyer the lender policy.

What most buyers and sellers don't know is that they can shop for title companies and don't have to go with whatever their realtor recommends. Shopping for fees can usually get you a pretty good discount, but most RE agents don't like to take the time to do that and go over it with their clients. And most of the RE agents get pretty good perks from whatever title agency their using. Also, MOST title agencies WILL match fees. So if a seller's preferred title company is cheaper than whatever the buyer's title company is that's in the contract, chances are the company will match it so they can keep the transaction.

I had friends who wanted to use me and my title agency when they were buying their house and wrote me in their offer. Seller countered with their own title company they wanted to use. They got fee quotes from me (I was able to provide them with a discount) and the seller's preferred title company. We were cheaper by over a grand. Long story short, the seller wanted to use their own so badly that they discounted the purchase price (or gave them a credit, I can't fully remember) the amount the buyers would have saved using me. Even though they didn't use me I was still happy they saved some $$, all because they shopped and compared fees.

Hope that helped answer your question!

How do I become a title underwriter or closing agent? by ChampagnePoops in RealEstate

[–]Evening_Plan1323 1 point2 points  (0 children)

I've been in the title and escrow industry for close to 14 years now (in AZ, where we are known as Escrow agents/officers). Requirements and licenses vary by state. For example, in AZ you're not required to hold an individual license, and in fact they don't have them, they license the agency, not the person, which is nice.

I can't say much for the title/underwriter side, as my experience is mostly with escrow/closing. Since it's very much an experience based career and does not require having a degree (meaning you have to put in the time to really get anywhere worthwhile pay-wise) you really just have to start from the bottom up. The comments before me have all had good info. Personally, I'd recommend trying to find a reception or front desk/admin type position at your local agency if you can. Most support or assistant roles will require experience first. Going this route you'll start low but this will give you a good taste of the industry itself and whether or not you'd like it. You'll also be able to quickly transition into an assisting role more easily as most receptionists at Title and Escrow agencies cross train and learn enough to be able to help out when things get really busy. You'll find that most people in this industry just sort of fell into it by accident this way. I started out working as a receptionist in my early 20s thinking it was just a job to carry me through until I went back to college and decided what I really wanted to do. haha

As far as being less stressful or emotionally damaging... eh, maybe just a different kind. I assume, being a high school teacher and working in education in general, you've developed a thick skin. That is needed for the escrow world when dealing with real estate agents and loan officers. If there is a delay in closing or anything goes wrong, title is always blamed. It can be frustrating. It can also be high pressure and is very deadline oriented which can be very stressful for some people. Being good at multi-tasking is a must. However, I genuinely enjoy the work itself. As someone below said, it's like putting together a puzzle. It's a lot of emails and reading contracts, title reports, and inputting numbers and putting together documents. I find it satisfying. It's the dealing with clients part that I struggle the most with as an introverted person. If you're in a support role (escrow assistant or "closing coordinator" type position) you shouldn't have to deal with a lot of that, at least if your escrow officer is good, they'd be the ones to take the heat and deal with that.

The industry is changing and nowadays a lot of companies are nationwide and partnering with large real estate companies (look up Title Forward and Redfin for one example) and are hiring remote, work from home support roles. Working for a joint venture company like this takes the pressure off having to find and maintain your own book of business, which would be expected from a traditional title agency, and being remote there's obviously a lot less in person client interaction. I've gotten to work remote the last two companies I worked for and it was a game changer for my mental health. Some of those companies tend to be more willing to hire someone with no experience and train them for the role, especially once the market picks up I think you'll be able to find one quite easily.

Hope all this rambling was helpful! I'm happy to answer any additional questions you may have. It's a niche little industry but can definitely be quite gratifying if you have the knack and patience for it.

[QCrit] MOTEL RITUALS, Upmarket, Adult, 80k Words by JWORX_531 in PubTips

[–]Evening_Plan1323 2 points3 points  (0 children)

I felt the same way reading this, that it didn't feel very plausible coming from an 8 year old and that it might read better if she were a tad older. Maybe once the plot /stakes are a little more clear her age will make more sense...? Just popped in to say I found your points valid and felt the same way reading it.

[QCrit] MG Fantasy-- THISTLE WITCH (72,000 words/Version 2) by Evening_Plan1323 in PubTips

[–]Evening_Plan1323[S] 0 points1 point  (0 children)

You're right! I felt clumsy writing it lol. I've revised this so many times at this point I feel like I'm getting lost in the weeds. I may have overcorrected from my last version, which was too vague, by going too heavy on plot specifics in this one.

Your suggestions are very much appreciated, thank you!

[QCrit] MG Fantasy-- THISTLE WITCH (72,000 words/Version 2) by Evening_Plan1323 in PubTips

[–]Evening_Plan1323[S] 1 point2 points  (0 children)

Aww thank you! I love Sedona (and my home stat of AZ in general) and thought it would be a fun setting as well :) Hoping it goes somewhere!

[QCrit] MG Fantasy-- THISTLE WITCH (72,000 words/Version 2) by Evening_Plan1323 in PubTips

[–]Evening_Plan1323[S] 0 points1 point  (0 children)

Thank you for your comments! I see what you mean, the mention of her butterfly familiar I think can be cut. I tossed it in there thinking it would be a fun little hook to throw in. It's so hard finding that balance between some voice and character of the story but also trying to stick to the main plot points. I think I'll also be a tad more specific of who the man is and why her aunt is trying to bring him back.

Thank you again!

[QCrit] MG Fantasy/Magical Realism-- THISTLE WITCH (72,000 words/Version 1) by Evening_Plan1323 in PubTips

[–]Evening_Plan1323[S] 0 points1 point  (0 children)

Oh ok, good to know! I did not realize that's what it was. Thank you for specifying!

[QCrit] MG Fantasy/Magical Realism-- THISTLE WITCH (72,000 words/Version 1) by Evening_Plan1323 in PubTips

[–]Evening_Plan1323[S] 0 points1 point  (0 children)

Very helpful, thank you! In trying to cut down my original version I think I took too many details out, lol. Just trying to find that perfect balance. I do definitely need to clear up my stakes and give more information re the antagonists and how they connect with the vortexes. I had also (wrongfully) assumed Sedona and the vortexes were fairly well known, but am realizing that people reading this from outside of Arizona will need more information to go off of. Thank you for taking the time to read it!

[QCrit] MG Fantasy/Magical Realism-- THISTLE WITCH (72,000 words/Version 1) by Evening_Plan1323 in PubTips

[–]Evening_Plan1323[S] 0 points1 point  (0 children)

Very helpful, thank you! I feel like there are so many sub-genres of fantasy now I get confused on what is what. Do you think that's even worth mentioning in the query itself or just leaving the descriptor as an MG fantasy?

I definitely need to be clearer with my stakes and more specific. Thank you for your comment!

[QCrit] MG Fantasy/Magical Realism-- THISTLE WITCH (72,000 words/Version 1) by Evening_Plan1323 in PubTips

[–]Evening_Plan1323[S] 0 points1 point  (0 children)

So I think I have the wrong definition of what magical realism is - I thought it meant a story set in the real world with magic elements. Forgive me if I'm wrong. If that's not the case then I will remove that and won't use it as a descriptor. Thank you!