256-799-8990 info@redstonetitle.org

First Time Home Buyer Challenges of Today with Todd Howard, President of Redstone Title Services

by | Sep 1, 2022 |

President of Redstone Title Services, Todd Howard speaks with Hayley Baker of WAFF Channel 48 for this weeks “Financial Friday Segment.

  • Is the market normalizing??
  • Is Internet research enough?
  • Whats the first step for a first time home buyer?
  • How do you find your dream home and know if its the right price?
  • Your offer is accepted, now what??
  • How important is a home inspection?

Great Place To Work Certified

by | Nov 5, 2020 |

Redstone Title Services a Great Place to Work-Certified™ Company in 2020      

Huntsville, AL – Nov. 2, 2020 – Redstone Title Services, LLC today announced that it is Great Place to Work-Certified™. Using validated employee feedback gathered with Great Place to Work’s data-driven methodology, obtaining this Certification confirms that at least 7 out of 10 employees have a consistently positive experience. Redstone Title Services’ certification results show that 100% of employees consider Redstone Title Services to be a great place to work.

“We are thrilled to be Great Place to Work-Certified™,” says Todd Howard, president of Redstone Title Services. “It is important to create a culture that provides a positive employee experience because we know that it will lead to a positive customer experience,” Howard said. “It also helps that we have been very successful in choosing the right people for our organization.’’ The company has 24 employees.

“We congratulate Redstone Title Services on their certification,” said Sarah Lewis-Kulin, Vice President of Best Workplace List Research at Great Place to Work. “Organizations that earn their employees’ trust create great workplace cultures that deliver outstanding business results.”

Great Place to Work® is the globally-recognized authority on workplace culture, employee experience and successful leadership behaviors.

About Redstone Title Services  

From simple residential home sales to more complicated commercial transactions, Redstone Title Services provides the expertise needed to close a client’s transaction with ease and efficiency. Redstone Title Services was founded in 2013 and has grown to 24 employees; their team is on track to process more than 3,800 title searches in 2020.
Mortgage Do’s and Don’ts

Mortgage Do’s and Don’ts

by | Aug 13, 2020 |

Tips for a Timely Loan Process

So you’re taking out a loan! Congratulations on your purchase or refinance!
From loan application through closing day, there are several things that you can do and things to  avoid during the loan process to make sure your closing isn’t delayed.

To Do:

 Keep all of your accounts current, making payments on or before the due dates. A late payment on a credit card, mortgage or car payment can disqualify you for a loan.

 Stay in touch with your Loan Officer or Loan Originator, asking any questions that arise so you understand the process.

 Keep copies of your paycheck stubs. These may be requested for verification of income.

 Disclose all of your financial information to your Loan Officer or Originator. Any surprises that occur after your loan application might disqualify you or delay the process.

 Let your Loan Officer or Originator know of any changes (or potential/upcoming changes) in your employment or income. Your loan approval is generally based on your income situation, and if there are any changes, additional items may be requested for loan approval.

 Make sure that your Loan Officer or Originator knows of any life changes during your loan process, such as marriage or divorce, childbirth or adoption, or new child support arrangements. Changes in marital status or number of dependents/support obligations can have an impact on loan approval or delay the process.

 

To Avoid:

 Don’t quit your job or change jobs in the middle of your loan process. If you are facing an inevitable employment change, let your Loan Officer or Originator know as soon as possible.

 Don’t co-sign on loans for anyone.

 Don’t allow any new credit report inquiries during the process. This might cause delays and additional paperwork to explain the inquiries for loan underwriting.

 Don’t take on any additional debt.

 Don’t make large purchases, such as an automobile or other real estate

 Don’t change, open, or close bank accounts or transfer money between your existing accounts. All deposits on your bank statements more than $500 will require additional documentation. Check with your Loan Officer or Originator before you deposit large sums other than your paycheck.

 Don’t apply for credit or complete any other credit applications.

 Don’t close or change any debt on current credit accounts.