Hometown Happenings

The Essential Role of a Title Agent: A Conversation with Charity Guynn

• Angela Ballard & Aundrea Rogers

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Are you ready to become a savvy real estate buyer or seller? This week, we have the privilege of picking the brain of Charity Guynn, an experienced title agent at Meridian Title Company, as we venture into the often befuddling realm of title insurance and escrow services. Charity brilliantly sheds light on the key role of a title agent and the process of closing with a title company, from ordering to finalizing the deal. And that's not all - we also delve into the financial side of things, discussing the fees for loan and cash closings, and why closing at the same title company could be advantageous.

But wait, there's more! We dive deeper as Charity educates us on the critical importance of accurate legal descriptions in the title industry and the role of surveys in verifying land purchases. In this tech-savvy era, we also touch on how technology, particularly Meridian's dashboard system, is revolutionizing the title industry. As we wrap up, Charity shares her insights on the potential pitfalls of not having title insurance and the necessity for due diligence in real estate transactions. This episode is chock-full of useful insights you won't want to miss! So, strap in and join us on this enlightening journey through the enthralling world of title insurance and escrow services.

The Home Team
Angela Ballard & Drea Rogers
870-577-6754 | 870-577-0276
Weichert Market Edge

https://aundrea-rogers.weichertmarketedge.com
www.angelaballardrealtor.com

Speaker 1:

Well, welcome to this week's episode of hometown happenings, thank you. This is Charity Gwynne with us today and we are at Meridian Title Company. So today we're going to learn about title insurance, how to take title on your property, a little bit about how escrow companies work. We've got a lot of meaty things today, yes, so let's just delve right into it. How long have you been a title agent? This April will be three years. Three years yes so before you did title, what did you do?

Speaker 2:

I worked in banking for 17 years. Okay, I have banking. I started banking when I was 25, did several jobs within banking, so I know a lot of pieces of those parts, right, okay. But then we also had real estate that we've been doing for 10 years during that time. Okay, so I had banking and real estate experience, and I had thought about working at a title company before, but that's where those worlds meet, and so I liked all that, and so that's why I was interested in working at a title company.

Speaker 1:

That makes sense, so okay. So we've kind of covered two of my questions in one there.

Speaker 3:

Yes so.

Speaker 1:

Efficiency yeah, she's like you. Efficient, yeah, very efficient.

Speaker 3:

We hustle and get it done.

Speaker 2:

Here it's right in title.

Speaker 1:

They also have like lots of goodies here too, oh yeah, so look, can we start with that?

Speaker 3:

My favorite part of her name title is I've already ate all the M&M's like yeah, peanut earlier. Yeah, the peanut M&M's stashed, it's back there and all the beverages when you walk in, because they make this like feel like home even when you shouldn't have signed a million people.

Speaker 2:

You've got to be couchers too, so if you can take a nap, if you need it too.

Speaker 3:

Sometimes you do, those closings can get a little long, right Y'all didn't warn me about closing.

Speaker 1:

Oh, the banks give like 120 pages that you have to sign.

Speaker 3:

I'm going to have to explain, and then there's people that want to read every little bit and put their glasses on and be like I'm not reading that. I'm scanning it.

Speaker 2:

So is it this with the that's what Mindyall is for, so you don't have to read it.

Speaker 1:

Right, but you still have those random people that once in a while read.

Speaker 3:

I'm like you, trust charity.

Speaker 2:

There's nothing wrong with that they need to be comfortable with what they're signing. That's true, right, they are making a big deal.

Speaker 3:

Y'all are way nicer than me. Yeah Well, hustle, get it done.

Speaker 1:

So, charity, tell us a little bit about what you do as a title agent A lot of people may not know what that is.

Speaker 2:

So there are different jobs at a title company. Of course I'm a title closer, but there's also an escrow. You can they call them escrow processor. Okay, what in the world is escrow?

Speaker 3:

So escrow is just it's it's You're explaining to a child. That's your thought process, I know so the title company's main.

Speaker 2:

One of their main jobs is to hold the money and so, like you're giving me money, I'm putting it in an escrow account to hold it, you know, from the buyer and the seller, make sure all the paperwork's done and then disperse it At the bank. Most people are familiar with an escrow account with. They hold your taxes and insurance. Yes, so every month you make your mortgage payment, you're also paying into an escrow. If the bank pays those for you, into your escrow account. So we're escrow services.

Speaker 1:

We hold money on behalf of other people, then it doesn't bear interest. No, it does not, right.

Speaker 2:

Because we can't make any money off of that.

Speaker 3:

We're not profiting. So yeah, you're just babysitting people's money, yeah.

Speaker 2:

And that's our, like our. We're the third party person that doesn't, you know, have any favorite toward the buyer or the seller. Yes, so that's why it's important to close with the title company If you have money involved. So that's that's. One of the jobs of the title company is to hold the funds in escrow, right, and you know, wait for that.

Speaker 3:

I feel like that's way simpler Now that that's out there.

Speaker 1:

Right, but they also make sure that there are no judgments. Clear title yeah, that title is clear on the property, so no judgments liens.

Speaker 3:

So when we have a, we get a property under contract. We order closing through the title company that is picked by.

Speaker 1:

Usually the seller picks, but the buyer can pick their own as well. They're just tends to be a little bit more of a fee if they don't close at the same place.

Speaker 3:

And so, and then we order closing through that fee only applies if it's a loan closing. Really, oh yes, so look at us learning things. I know I'm learning.

Speaker 2:

Because the fee that they're paying extra is they're paying for their loan title policy. Oh, when you close at the same title company, they get a diss. The buyer gets a discounted, like loan policy for their, for their lender policy, like anywhere you close, it's a simultaneous discount, okay. So if you close at different title companies and it's a cash deal, there's no loan policy, it's just closing fees. At that point the seller's paying their title closing fees, the buyer's paying their title closing fee. If it's a split closing and the bar closes at another title company, then we use the seller's title company title, they issue title insurance, we use their commitment and that's you know. We don't have to run a title search, okay, and the seller pays for all that anyway.

Speaker 1:

So well, if it's in the contract that way, exactly, yeah, so we get a property under contract and they say they want to close at Meridian.

Speaker 3:

So we have this nice little form that I zip over via email. Yes, we love those forms and we love that they're all filled out, so we fill out everything that we know about it on that form and we send it over and charity takes over from there.

Speaker 1:

So when it comes to purchasing title insurance. So I know that in real estate contracts we have options. So we typically say that the seller pays for it, but there is an option for them to split it. And there is also the option that the seller could say I'm not going to pay for it at all, and the buyer has to pay for it. Those are all negotiable terms? Yeah, and they're based on the price of the contract, the price title insurance is based on the property sale price.

Speaker 2:

So that's why people get quotes, because it's and we have to do quotes, we don't, you know right. We just put in the sale price and it generates a number, and each title company is a little bit different as far as what their rates are, on what they charge for title insurance. So I think we're all pretty similar though.

Speaker 1:

Right, so do you give some any sort of a discount if they come back to you? Yes, if they, when they sell their property.

Speaker 2:

Yeah, so it's called a reissue rate because they already have a title policy issued, especially if it's a refi. Our system is already set up to automatically generate a reissue rate. Okay, so if they're, if they bought the property with cash and now they're getting a loan on it, then they're going to get a discounted policy, and that comes straight from it, comes from us, but it's also like the title company that gives the insurance.

Speaker 1:

Right, yeah, and we're here today with you and you do work for Meridian, but there are some other title places in town and they do also offer that.

Speaker 1:

Yeah so it's pretty standard for any town company yeah, for people to offer that discount yeah, but ask for it if you're a real estate agent. Yes, and so that's also Not always just given yes. But another thing for people to know when they are selling their home that maybe, if they are okay with that, go back to the place that you closed that to begin with, and sometimes, if you can get a reissue rate at another place, another title company will match that rate so you can shop around.

Speaker 2:

But it doesn't hurt.

Speaker 1:

So it doesn't hurt to shop yeah, for where you want to close.

Speaker 2:

Right, even if it closed somewhere else, you could still say, hey, this is what they're doing for me and you can, you know, shop around and see what works. Mm-hmm, it makes sense. Fantastic, I've matched several.

Speaker 3:

So I've had a lot of especially young buyers that when they were like, okay, we're going to go to the closing table and they're just terrified. Yes, they're terrified, but I feel like by the time we make it to this table, because we're at a closing table.

Speaker 2:

Mm-hmm.

Speaker 3:

That it's already handled by this lady over here. If we're closing with her, we shouldn't have any problems at the closing table. Right, right, but then it's already covered no-transcript.

Speaker 2:

I don't like if there are any title issues or any issues of the property.

Speaker 2:

Hopefully me and the real estate agent already know about it like broken windows or whatever is happening with that closing and all of that has been resolved and everyone's very clear on what's happening and the settlement statements have been sent out. So I don't like to show them a settlement statement at closing for the first time. So it's a surprise. Yeah, so always make sure that my realtors have it and if they're not realtors involved, then send it to the people or at least go over it on the phone with them.

Speaker 3:

Right, so they understand where money's going and why it's usually that's if they don't see that before closing.

Speaker 2:

That's where you're going. We're going to have problems like expectations.

Speaker 1:

Yeah, sometimes taxes didn't get paid and things like that. So then that added yeah, so what's an?

Speaker 3:

example of issues that you run into prior to closing. What are we? What's my broken window? We've got a house that my buyer is trying to buy, but it's got a broken window and we have to get it fixed before we can close. Yeah, because otherwise we may have to put money into escrow to have it fixed.

Speaker 2:

Yeah, and the bank doesn't want that, so we'd rather get a handle prior.

Speaker 3:

To it.

Speaker 2:

It depends on the closing and the bank and what they'll allow, but the type of loan they're getting they won't allow any showing repairs on. They don't want to see that on the settlement statement. It's like usually RD or USDA, because they, you know, they want their people to have not have repairs before they move in. Right?

Speaker 3:

what's another issue that you run into more often than not?

Speaker 2:

There's so many issues. I mean a good, a good closing is one that's just like when we get, when you send us the you know the address and the parcel and all the information on the title and the people. We run all of the people's names, make sure there's no liens or judgments, and then we also run, you know, look at the title of the property, make sure it's been conveyed properly, and we go back 30 years. Okay, so when you add a person to a contract, you know that's a big deal, because then we have to, you know, have time to run that person, liens and judgments, and that can bring up something. In a lot of times or not sometimes, I should say not a lot We've had to remove people and say, well, this is our son and he's got some issues, so we can't put him on title because then we'd have to pay all of these things that he's messed up. Fair fair.

Speaker 2:

So it we can change real estate contracts according to how people to make it easier for changing opinions or we can clear all that up through the closing process. We can call the IRS. We can see all that stuff and we can get it cleared up. The worst closing I've had was I think there was 18 judgments and it was over 40 or 50 thousand dollars, maybe 20, I don't.

Speaker 1:

We got it all cleared up, but it's better for us to have them bring our money at closing to you and you satisfy those judgments by paying them, versus them trying to go and pay all of them individually.

Speaker 3:

You had a deal.

Speaker 1:

Right, because if they go and pay them all individually, then we have to wait on them to release that and that can take 30, 60 days and then delay things even longer.

Speaker 2:

So if we have, if we get the pay off from the state of Arkansas and we have the judgment and we get a good through date and we pay it on, you know, within that time frame and we send it FedEx so it's certified, we send it cash, you know, cash, your check or whatever, then we know it's been satisfied, right and so if we don't do that, we can't guarantee that it's been satisfied, even if they show proof, the state of Arkansas will not give that release.

Speaker 2:

They won't tell us anything until, well, we're yes, it's been paid, but we're not going to send you, you know, an email saying that and then we just have to literally wait for the release, right? But a lot of people can do a refinance if they do have a lot of stuff they need to take care of and pay those things through closing, and we can make sure all that's taken care of and we know how to do all that which is not, you know, normally advertised. I wouldn't think Meditatal company knows how to pay off judgments and liens and all kinds of things, right? So that's kind of our uh yeah, what we're good at.

Speaker 1:

Right, that's what you're there for. So, um, I know. Another thing that I have a lot of people talk to me about and me and you have personally had some issues with this, I know is they look at the AR County data image of the property that they're buying and think that that's the end, all be all that. That's what they're buying and is. Do you find that to be very accurate?

Speaker 2:

Well, it can be accurate, but it can also be inaccurate. There's no guarantee that that is actually the property. Okay, the legal description is the accurate you know piece, whether it's a lot in block or the actual written out legal description. And most title companies that's why they draw out the legal description during the closing process the title agent, the Title searcher, does that. Okay, that's part of their job. Especially, I mean, if it's a lot in block, there obviously there's nothing to draw. But if it's a you know land type legal description, a lot of you know there can be mistakes because those are Very hard to read and those things are satellite, very arrived.

Speaker 2:

Correct. Yeah, so even the assessor, he knows how to draw out the legal and he will. He's very good at what he does. Brian Force is the assessor and he checks all the deeds and he draws out the legal and he'll call us if there's a mistake, if he finds it, and so that sometimes, if it isn't not found on the front end, we'll have to fix something on the back end.

Speaker 1:

Um, so the best way for people to know what they're buying is to get a survey.

Speaker 2:

Yes, if it is has a legal description, that's land. That's the best way to verify the land that they're buying.

Speaker 1:

Okay, yeah and then their title insurance Insures the survey. How does that work?

Speaker 2:

We don't ensure the survey. So we do have disclosures that say, you know, the survey was done by this person and we're not liable for his results, and this is the legal description he provided. But this is like we are ensuring the purchase of that description, yes, that legal description and that purchase of that property. Um, and that's partly why we also draw out and kind of confirm because, um, I have had title agents go back and forth with the surveyor, uh, because, like you didn't close this gap, or this corner isn't quite right, like you didn't Right, you know, get this corner right, or you just left this open. And so they, um, when there is a survey done, I can't say it's checked 100% of the time, that's not my job, but it is their job, um, and it should be done, uh, and so you know, sometimes when it's 200 acres, that just gets crazy.

Speaker 1:

So, right.

Speaker 2:

That's why some title, um like, that's why sometimes it can be very quick and when you get your search done and sometimes it can take longer because there's, you know, depends on the property and what we find Sometimes it's really easy and sometimes you kind of get a hairy. Hairy situation that you have to sort out and it just takes longer.

Speaker 1:

Okay, so in your experience, do you think people should get surveys before they purchase the property?

Speaker 2:

It depends on if a survey has been done in the past. If they're not comfortable like if this person has owned this property for 30 years and this one 25, then it's not been bought and sold multiple times then most of the time it's fine. But also, if your title agent can draw out that legal description, then and there's no issues, then you should be fine too. But if there is any discrepancy anywhere, then yes, I would recommend a survey, and sometimes if they've had the property for 40 years, it's not a good legal from 40 years ago when they wrote legals, and so maybe there's some cleaning up that needs to be done on that actual legal description.

Speaker 2:

Right because it's changed, or if they are Like technologies change, wording has changed Well, even like.

Speaker 3:

Like that I mean the property that I had. With roads changing, the math hasn't changed.

Speaker 1:

Well, I was just gonna say too, like if you own a house and then you also own some land across the road and it was all deeded on one property without a survey with a legal description, you can make your legal description say I'm selling this land to the certain direction of the road.

Speaker 2:

So hopefully, if it was separated at one time, then what if it's never been separated?

Speaker 1:

Well, like I'm just choosing to sell it.

Speaker 2:

Yeah, so you're saying that there was a road. The road has always been in the middle of the property, or they just own this block of property and then put a road through it.

Speaker 1:

I don't know. It's a county road. I assume that they'd owned it forever. But we got a survey so we would have our own legal of that Survey yes, that piece.

Speaker 2:

Yes, so you have to get a survey. If you're breaking up land that has been bought and sold together like a 40 acre plot, Okay. And if you say I'm going to sell 40 off of, or 20 off of this 40, you have to get a survey.

Speaker 3:

Like there's no way you don't be able to tell what.

Speaker 2:

You have to have a legal description that describes that piece of land, because here it is as a whole, with this legal and it, and a lot of times they'll have this same whole piece of legal and they'll say less than accept this 20 acres and have that legal on there, and so their 40 is now less than accept 20. And it'll describe which 20 it is.

Speaker 3:

What part of that? Yeah, that makes sense.

Speaker 1:

Yeah, it depends on the survey, so it can get pretty detailed and crazy.

Speaker 2:

Surveyors are very important. Yes, and they do.

Speaker 3:

They hopefully do a great job, yeah.

Speaker 2:

Most of them do. We work with a lot of good ones.

Speaker 3:

You know what I really like that she does when she sends us our documents. They come in that little dashboard, have you?

Speaker 1:

used that. Yes, it is something that Meridian offers. I was about to ask you about technology. Yes, and how technology impacts the title industry, but the software that they use at Meridian is different than what they use at some of the other companies. Not saying the other companies do anything bad.

Speaker 3:

Well, no, it's like Apple iPhones. Some people are Samsung people. I like the dashboard and it's easy to use and I can just see exactly what's expected of me, and it's.

Speaker 1:

And it's going to your buyers and sell it Sellers as well.

Speaker 2:

Yes, and that is. That's what I like about our technology, because of course I have one seller with you right now. She won't respond to emails and of course I can send her reminders. Hey, you need to answer these questions, but it does. It has a certain set of questions to ask buyers, which is what we have to do. If we don't have it, we have to call them and say verify names, addresses, spouse. If they're married or not. It's not always marked, and even if it is, we still want to confirm that that's true.

Speaker 3:

That's who you're married to and who you are so about to get married or they're about to not be married. Well, you know how many people that I've known like for a hundred years and thought they were married because they weren't married on paper.

Speaker 2:

Yes, yeah, so I didn't realize how common that was until, and we have to have marital status because it affects the way they hold title Right, and so it's, it's very good effects.

Speaker 1:

How you can sell property to right and who can sell it and how.

Speaker 2:

And One interesting thing that people don't know about that if you are husband and wife, you can hold title together, obviously, but it If your husband and wife, then the property automatically goes to the other spouse a hundred percent. If you're two single people on Property together, then if one of you dies it goes to that person's heirs. The other person doesn't get it. Well, I can be a little bit of a headache, it can be, but you can. You can say joint tenants with rights of survivorship, and then it does go to the other person a hundred percent, but if it doesn't have that sentence on the back of it, then it goes to that other.

Speaker 2:

So if it's a, you know, a Brady Bunch situation, yeah it's, it's gonna go to somebody's kids and stuff, yes, and so that's what people don't understand. They think, well, it's like a car title or right now, and I'm on it. I get it well with.

Speaker 2:

I state it's different Right that's why also having a will in place, but not just a like, you can have a will and it says who gets your property. But if that person isn't on title which a beneficiary deed is the best, because they're not on title until you pass away. But you can also sell the property without that person giving it or having access to it or being able to sell it.

Speaker 3:

But they don't have access to it till you're gone.

Speaker 2:

It doesn't, yeah, go into effect until the death of the person that owns it. But if you have that beneficiary deed in place, then the title conveys and there's no probate, there's no six month waiting period, there's no issues with title, like Like I literally had a closing that we were in the middle of and the week of closing the person passed away. They knew that that might happen, it was, they were expecting it, but all we did is switch the names, beneficiary deed went into place and we literally closed on Friday. Okay, if that hadn't have happened, we would have everything would have been postponed, it would have went to probate.

Speaker 2:

We had what I had to wait three to six months and gone. They would have cost them a lot more money.

Speaker 3:

How does the person get a beneficiary?

Speaker 2:

go to an attorney and it costs 250 bucks.

Speaker 1:

So Now you guys have an attorney here that can write up things like that we do have an in-house attorney, ought to find out if we can do beneficiary deeds.

Speaker 2:

We can do quick claim deeds and you know things without title insurance, because we do have an in-house attorney, okay, and we can also do it with title insurance. But I'll find out. But most attorneys in town it's Not Heart, you know it's easy for them to do, but I've also had attorneys that have messed up. Then I like deeds and then we have to fix those issues.

Speaker 3:

So we need to put all that in the show notes of these are places you can go for these things.

Speaker 2:

Yeah, I can recommend some okay places, but I mean, that's something that my mom needs to do is put that in place in. It saves a lot of headache and it's yeah.

Speaker 1:

Yeah, do you see people having things in a trust being a better, being a good way as well? Does that that?

Speaker 2:

is the same. Okay, so if you don't have, if your property is in the name of a trust, then it will convey to your successor trustees. If your bank accounts are in a trust, it will convey to those. A lot of people put property in a trust. That's basically. The sole purpose of a trust is to keep it in the family in that name of the trust. So it so it doesn't have to go through probate or anything like that. Okay, it will only convey once though. So in a trust, if the original trustees die, then it becomes an irrevocable trust and only the successor trustees. They can't they can't change the trust they are they were they become?

Speaker 2:

the successor trustees yeah, and they can't like once it goes to that second piece, then they can't put their to give it to their kids. Yeah, okay so then start over. Yeah, okay, so it only helps like the second generation, but then after that they have to figure something. This is like a training class to me.

Speaker 1:

Yeah, I know there's a lot is what we would get from this.

Speaker 2:

We would learn a lot. I'm gonna be okay, I'm not writing anything.

Speaker 1:

I feel like this is stuff that the public doesn't know, and this is helpful information.

Speaker 2:

For people that are because even at the bank, you know I've worked. People pass away and you have to deal with it.

Speaker 2:

Right, and so if you don't have a POD on your account which is payable on death, and you just have it in your name, no one can access that money until you get go get it's called letters of testimony and then you have to provide proper paperwork to the bank, so then they know who to release the funds to. But if you have an energy bill, let's do, or house payment that's due and all these things too bad, so sad right, yeah.

Speaker 1:

And the other thing about it is I know sometimes people think why I'm not old. This doesn't apply to me. Yeah, but you don't ever know what can happen yeah to you. Or even if you don't have things in place and you got sick and you can't make the decisions, even if you're in a hospital for a month, unconscious, right like what.

Speaker 3:

How does yours how do you get a more your Christmas sweater? Because y'all are killing the mood today.

Speaker 1:

Oh, well, I'm just saying for my nurse ass, I'm usually.

Speaker 2:

But I'm just saying, when you die, there are things I can do that are simple and easy.

Speaker 3:

Yeah, that you know. And if you're just your husband? Alive, it's, you know, not a problem but if you're not dying, you're just sick. I'm adding all these things to my to-do list for my three kids.

Speaker 1:

Right.

Speaker 3:

Yeah, okay.

Speaker 1:

So what people should think about too. What will they do with their children if something were to happen to them while their children? Yeah, You're morbid, I'm sorry, I'm sorry. So my best friend, she did that. She wrote it up when she had her first kid that they would.

Speaker 3:

I would take care of them if something happened to her Because, volunteering to take all of my kids and all of my dogs, I'll split them. The dogs.

Speaker 2:

The dogs. I can take the dogs.

Speaker 3:

That's terrible.

Speaker 2:

She'll put them outside with the dogs. He's going to be broken and hardest. No, okay, I know.

Speaker 1:

Jake will cry because I'm taking his dog, like he did when I babysat. Oh gosh, so Okay, move along. So, kind of to wrap things up, we've talked about the importance of title insurance today, you know, making sure that there are no judgments or liens.

Speaker 2:

So ask them Any other aspects. Also, I have had a few instances where they have had to, you know, be compensated from the title insurance. That's what title insurance is there for. If we miss a judgment or lien or if one pops up. There is a gap period which most people don't know Like. It's usually seven days but it could be 10 days. So on the website that we check there's a 10 day gap. So before closing we have to say it's a gap check, say for judgments and liens on all parties closing, because something could have been recorded two days ago and we don't have it, which is a judgment.

Speaker 2:

And if that happens while they currently own the house, then that can be attached to the property. And we can't know that. And that's why also your people sign documents that say are you aware of any judgments or liens that are going to be recorded in your name before closing or today on closing? Because those are the things that could happen and can happen. And then also just the title is like I did have a closing that had a parcel here and a parcel here and this parcel ended up being deeded twice, one through a probate situation and then after the probate the lady deeded it to somebody else and it wasn't caught through the title process because it went two different directions and we found one but not the other and the guy had to be compensated because he bought something that was somebody else's property. That makes sense and it wasn't intentional. It wasn't, but things happen and people aren't perfect. That's not what we want, but that's why it happens.

Speaker 3:

But you made it right.

Speaker 2:

If you get a property, that's quick claim to you and you don't get title insurance and there are a lot of people that do that out there if any of those judges, especially those little lots in Diamond City? Yes, If there are any judges or liens in that person's name you get. You know that it attaches to that property. Yeah, yeah. So if you ever want to sell it with title insurance or do a title, then it can't be conveyed.

Speaker 3:

Do we have time to chat about her escrow thing real?

Speaker 1:

quick. Well, I actually was thinking. I think, when you do a separate episode for that, Sorry to cut everything off so abruptly there.

Speaker 3:

We don't want any spoilers for our upcoming episode on real estate escrow and those processes when we talk with charity again at Meridian Title in Harrison. I just wanted to take a second to ask you guys to share and subscribe to our podcast. Tell your friends about it, Anyone who has an interest in what's going on in our own hometowns here and join us again next week as we dive back in on another edition of hometown happenings. See ya.

People on this episode

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Angela Ballard

Host
Contributor

Aundrea Rogers

Co-host