April Bryan - Real Estate Closer

03/24/2023

Let’s just say I’m thankful that this is not my lenders, this is usually a buyer shopper discount lender 😂

01/11/2023

12/15/2022

Don’t forget to remind this years buyers to homestead!

12/13/2022

Don’t break my heart 💔 😆

10/28/2022

Our annual scarecrow is up! Go vote please 😁

https://www.cityvadnaisheights.com/FormCenter/Scarecrow-Trail-17/Scarecrow-Trail-Peoples-Choice-Vote-67

10/26/2022

Agent: ‘Can my seller just write a check to the buyer for the unused seller paids?’
Me: 👩🏽‍🦯🦯😎

10/21/2022

If you’ve been to the Spare Key Gala, you know this is the most fantastic event of the entire year! If you’ve never been, this is your year to find out why! Come join us for an amazing night of helping families bounce and not break! If you can’t make it but have any silent auction leads let me know! 💃🏻🕺🪩

09/23/2022

Just kidding, I love you all, keep writing PA’s and sending them!!

09/17/2022

There aren’t enough words to express how truly amazing it is to be a part of such a great group of professionals! From Lend Smart Mortgage putting together the BEST annual charity golf event ever, to Spare Key doing AMAZING things to help families Bounce and Not Break, to getting so many people together to benefit said charity while having a TON of FUN, raising every penny that could be given in one day, and having so much great support from our industry professionals and clients while we depleted our staff to a few rockstar employees for a busy work day! What an amazing day yesterday was! I love the people I work with both in my office and those I get the pleasure of doing business with on a regular basis, you are all THE ABSOLUTE BEST!!! 🤩❤️⛳️💸

08/25/2022

Cashier’s check or Wire?
What’s better? What’s required? Why?

- What’s better is going to be different for everyone. We are finding many more borrowers are using online bank accounts, meaning getting a cashiers check can be impossible sometimes or take several days or more to obtain, so those borrowers often are happy to hear they can wire. Others fear wires and prefer a cashiers check. We understand the complexities of each situation, and wires can be scary, but with the proper protocols, verifying verbally, receiving securely, and confirming sender, they are perfectly safe.

- What’s required is a little easier to nail down. We require a wire for any funds being received in excess of $25k. Why do we require that? Cashier’s check do not clear immediately, they can take 5-10 business days to clear, and we are not able to issue proceeds or payoff wires for a transaction until we have cleared funds. The FDIC and Federal Regulations regarding escrow accounts do not legally allow us to disburse without cleared funds. As an escrow agent, we are receiving and disbursing funds for several transactions at any given time, so it is extremely important for us to track those funds, and disbursing a seller wire without cleared funds means we are disbursing funds from another transaction.

- How do we relay this information? When we send scheduling notices to borrowers it will include information about closing including funds to close requirements. This is the initial notification to them with information on what to expect. Once the settlement statement is complete we then send that out with the information about how to provide funds as well. These emails contain a secure link for borrowers to access our wire instructions via ShareFile. We also have the ability to send the instructions via ClosingLock, another secure method requiring multi factor authentication via a text code to the borrower.

Occasionally we can make exceptions to this rule, however how close to the threshold, seller proceeds election, and the issuing banks ability to verify the check all play into this occasional exception.

08/20/2022

Wanna hear about the one we’re working on now? 😳 Jane Doe is in title and has a contract for deed to John and Joan from 1980. Jane Doe passed away and a decree of descent passed Title to her daughter and son, Jim and Jean. Jim passed away and his interest went to his estate, who needs to deed to the contract for deed vendee and Jean is alive but elderly and daughter has POA. John and Joan, the contract for deed vendees divorced and Joan was awarded title, but Joan also passed away. Probate is currently being completed for Joan and Jim, Multiple deeds are needed to clear title, a power of attorney is involved for one party and multiple children will be the end result fee owners. This one will be fun 🤣