Virginia Statewide Title Services, LLC is an affiliated business of Virginia Credit Union and Bon Air Title. It was created to serve the members of Virginia Credit Union with title insurance needs. Virginia Statewide Title Services? offers affordable, one-time premiums to protect you against defects in the title to your property. In fact, our standard policies include coverage that others either don’t offer or for which they charge a premium. Compare us to other title companies. You’ll see we offer the best service and coverage at competitive rates.Features & BenefitsExtensive experience insuring propertyCompares rates and terms among insurers to find the best value for each client’s policyDiscounted rates for property previously insured through one of our companiesTimely processing of all ordersOur goal is to provide the best title products, at the best prices, with the best service in central Virginia. ProductsOwner's Title CoverageAn owner's policy is optional and protects the borrower if someone challenges a property title based on any title defects that were unknown when the policy was purchased. The coverage protects the borrower and their heirs as long as they have an interest in the property. To obtain this coverage, the borrower pays a one-time premium at closing. In the event there is claim against the title in the future, the title insurer, without expense to the policy holder, will defend the borrower against a challenge to the property title.We encourage you to speak to your closing attorney about the benefits of title insurance to help you understand the importance of having an owner’s policy and the risk you take when you do not have a policy which gives you protection.Lender's Title InsuranceA lender's policy protects the mortgage lender if someone challenges a property title based on any title defects that were unknown when the policy was purchased. When a buyer obtains a mortgage in order to purchase their new home, it is usually a loan requirement that the buyer obtain a Lender’s Title Insurance Policy.The coverage doesn’t provide any protection for the buyer. If there is a complete failure of title, the buyer may have no protection and may lose both the property and the equity in the property. The buyer could also incur legal fees and any tax penalties assessed against the property. A buyer should never presume that the lender obtained title insurance for them.CarriersWe underwrite through the top underwriting companies in the area:Chicago TitleFirst American TitleFidelity National TitleOld RepublicClosing AttorneysParticipating attorneys indicated below provide VACU members with a special refinancing closing rate.This information is provided as a guide. Please tell your VACU mortgage processor if you would like to use a Virginia Statewide Title Services attorney.Caroline, King William, Essex, King & QueenJames C. Driggs, Esq. Email James9464 Chamberlayne Road, Suite 200Mechanicsville, VA 23116Map This LocationPhone: (804) 220-9013Travis P. Hughes, Esq.Email Travis10160 Staples Mill Road, Suite 105Glen Allen, VA 23060Map This LocationPhone: (804) 545-6250Fax: (804) 545-6259 Edward A. Meyer, Jr., Esq. Email Edward5600 Grove AvenueRichmond, VA 23226Map This LocationPhone: (804) 285-3888Fax: (804) 285-7779 CharlottesvilleAshleigh M. Pivonka, Esq. Email Ashleigh414 Park StreetCharlottesville, VA 22902Map This LocationPhone: (434) 977-0191Fax: (434) 977-0198Chesterfield (Bon Air)Mary Phillips Adams, Esq.Email Mary2800 Buford Road, Suite 201Richmond, VA 23235Map This LocationPhone: (804) 320-6600Fax: (804) 320-8040(Habla Español)W. Richard Hairfield, Esq.Email Richard2800 Buford Road, Suite 201Richmond, VA 23235Map This LocationPhone: (804) 320-6600Fax: (804) 320-8040 Vicki S. Horst, Esq. Email Vicki2800 Buford Road, Suite 201Richmond, VA 23235Map This LocationPhone: (804) 320-6600Fax: (804) 320-8040J. Patrick Keith, Esq. Email J. Patrick2727 McRae RoadRichmond, VA 23235Map This LocationPhone: (804) 272-1491Fax: (804) 272-3317 Kimberly A. Keith, Esq. Email Kimberly2727 McRae RoadRichmond, VA 23235Map This LocationPhone: (804) 272-1491Fax: (804) 272-3317 Chesterfield (Genito)Kevin C. Cousins, Esq. Email Kevin3520-A Courthouse RoadRichmond, VA 23236Map This LocationPhone: (804) 745-2144Fax: (804) 674-5217Thomas L. Gordon, Esq. Email Thomas10303 Memory LaneChesterfield, VA 23832Map This LocationPhone: (804) 748-8153Fax: (804) 748-3287 William D. Hamner, Esq. Email William3520-A Courthouse RoadRichmond, VA 23236Map This Location Phone: (804) 745-2144Fax: (804) 674-5217S. Craig Lane, Esq. Email S. Craig3520-A Courthouse RoadRichmond, VA 23236Map This LocationPhone: (804) 745-2144Fax: (804) 674-5217 Sarah Lane Gonzalez, Esq. Email Sarah3520-A Courthouse RoadRichmond, VA 23236Map This LocationPhone: (804) 745-2144Fax: (804) 674-5217Joshua F. Snider, Esq. Email Joshua3520-A Courthouse RoadRichmond, VA 23832Map This LocationPhone: (804) 745-2144Fax: (804) 674-5217 Chesterfield (Koger)D. Heath Gates, Jr., Esq. Email Heath1930 Huguenot RoadRichmond, VA 23235Map This LocationPhone: (804) 320-9100Fax: (804) 323-7006Drew DiStanislao, Esq. Email Drew1930 Huguenot RoadRichmond, VA 23235Map This LocationPhone: (804) 320-9100Fax: (804) 323-7006 Brooke Stephenson Barden, Esq.Email Brooke1330 Alverser PlazaMidlothian, VA 23113Map This LocationPhone: (804) 794-8070Fax: (804) 794-5475 Colonial Heights/PetersburgD. Heath Gates Jr., Esq. Email Heath1930 Huguenot RoadRichmond, VA 23235Map This LocationPhone: (804) 320-9100Fax: (804) 323-7006 Vicki S. Horst, Esq. Email Vicki2800 Buford Road, Suite 201Richmond, VA 23235Map This LocationPhone: (804) 320-6600Fax: (804) 320-8040FarmvilleDavid H. Gates, Esq. Email David1930 Huguenot RoadRichmond, VA 23235Map This Location Phone: (804) 320-9100Fax: (804) 323-7006HanoverJames C. Driggs, Esq.Email James13137 Rivers Bend Blvd.Chester, VA 23836Map This LocationPhone: (804) 220-9013William D. Hamner, Esq. Email William100 England StreetAshland, VA 23005Map This LocationPhone: (804) 798-5231Fax: (804) 674-5217Travis P. Hughes, Esq.Email Travis10160 Staples Mill Road, Suite 105Glen Allen, VA 23060Map This LocationPhone: (804) 545-6250Fax: (804) 545-6259Henrico - Far West EndMichael P. Lafayette, Esq. Email Michael10160 Staples Mill Road, Suite 105Glen Allen, VA 23060Map This LocationPhone: (804) 545-6250Fax: (804) 545-6259Faiz T. Shaheen, Esq. Email Faiz15871 City View DriveMidlothian, VA 23113Map This LocationPhone: (804) 285-6406Fax: (804) 285-8048 Blaise Shaheen, Esq. Email Blaise15871 City View DriveMidlothian, VA 23113Map This LocationPhone: (804) 285-6406Fax: (804) 285-8048Travis P. Hughes, Esq.Email Travis10160 Staples Mill Road, Suite 105Glen Allen, VA 23060Map This LocationPhone: (804) 545-6250Fax: (804) 545-6259 Henrico - Near West EndTimothy D. Freshly, Esq. Email Timothy8890 Three Chopt RoadRichmond, VA 23229Map This LocationPhone: (804) 285-6406Fax: (804) 285-8048Robert Kastenbaum, Esq. Email Robert4900 Radford AvenueRichmond, VA 23230Map This LocationPhone: (804) 355-7900Fax: (804) 355-9297 Victor A. Shaheen, Esq. Email Victor8890 Three Chopt RoadRichmond, VA 23229Map This LocationPhone: (804) 285-6406Fax: (804) 285-8048Victor A. Shaheen,Jr., Esq. Email Victor8890 Three Chopt RoadRichmond, VA 23229Map This LocationPhone: (804) 285-6406Fax: (804) 285-8048 George Gray, Esq. Email George4900 Radford AvenueRichmond, VA 23230Map This LocationPhone: (804) 355-7900Fax: (804) 355-9297Jon Kastenbaum, Esq. Email Jon4900 Radford AvenueRichmond, VA 23230Map This LocationPhone: (804) 355-7900Fax: (804) 355-9297 Travis P. Hughes, Esq.Email Travis10160 Staples Mill Road, Suite 105Glen Allen, VA 23060Map This LocationPhone: (804) 545-6250Fax: (804) 545-6259 RichmondMark A. Fleckenstein & Associates, PC Email Mark311 South BoulevardRichmond, VA 23220Map This LocationPhone: (804) 358-9400, ext. 409Fax: (804) 358-9089Edward A. Meyer, Jr., Esq. Email Edward5600 Grove AvenueRichmond, VA 23226Map This LocationPhone: (804) 285-3888Fax: (804) 285-7779 George R. Parrish, Esq. Email George5600 Grove AvenueRichmond, VA 23226Map This LocationPhone: (804) 285-3888Fax: (804) 285-7779 Lawrence H. Pearson, Jr., Esq. Email Lawrence311 South BoulevardRichmond, VA 23220Map This LocationPhone: (804) 358-9400Fax: (804) 358-9089 Adam Young, Esq. Email Adam311 South BoulevardRichmond, VA 23220Map This LocationPhone: (804) 358-9400Fax: (804) 358-9089Suzanne L. Long, Esq. Email Suzanne5600 Grove AvenueRichmond, VA 23226Map This LocationPhone: (804) 285-3888Fax: (804) 285-7779WaynesboroFranchesca Gomez, Esq. Email Franchesca109 S. Wayne AvenueWaynesboro, VA 22980Map This LocationPhone: (540) 932-2424Fax: (540) 932-2424Contact UsVirginia Statewide Title Services and its closing attorneys are happy to help you find the right insurance coverage, give you a quote, and answer any questions you may have.Please contact your VACU mortgage processor if you have any questions about your mortgage loan. PhoneCall us at 804-320-4234, Monday through Friday, from 9 am to 5 pm FaxSend a fax transmission to (804) 521-7968 MailVirginia Statewide Title Services9211 Forest Hill Avenue, Suite 102Richmond, VA 23235 Resources Ways to insure a smooth closing Sales transaction chartWhat is title insurance?The term “title” refers to all the elements that constitute your legal right to own, use, control, and enjoy real estate.Before you purchased your home, it may have gone through several ownership changes and the land on which it stands went through many more. A weak link at any point in that chain could cause trouble.Simply put, title insurance is protection from loss arising from problems connected to the title to your property.Unfortunately, a defect in your title can have devastating effects if you are not properly insured. You may not be able to take out a home equity loan or you may be denied a building permit for an addition. You might even incur the costs to correct the violation.Is purchasing title insurance required?Title insurance is broken into two parts:A lender's policy is mandatory and protects your lender if someone challenges your title to your propertyAn owner's policy is optional and protects the borrower against challenges to their title.Most lending institutions will not loan you money on a home or other property unless a mortgagee title policy is purchased. Title insurance will repay the balance of your mortgage if a claim against the property voids your title ownership to the property.What period does title insurance cover?Title insurance generally only protects against losses arising from events that occurred prior to the date of the policy. Coverage ends on the day the policy is issued and extends backward in time for an indefinite period.This is in marked contrast to property insurance, which protects against losses resulting from events that occur after the policy is issued, for a specified period into the future.How long does title insurance stay in effect?Lender's policies remain in effect until the loan is repaid. Most lenders require the purchase of a new Lender's title policy if you refinance your home because the existing policy expires when the existing mortgage loan is paid off. You are entitled to a premium discount on a new Lender's policy for the same property if you refinance within the first seven years.An owner's policy remains in effect as long as you or your heirs have an interest in the property.Steps in the title processInitial RequestAn order for title insurance is opened with a title officer. A preliminary report can be issued with a minimum of information, without even identifying the buyer. It shows the record title as it presently exists and is only an offer to provide insurance.On-Site Searching and ExaminingA title officer performs three searches: Property, Name, and Tax searches. From that information, a preliminary report is created.Technical ReviewOnce a preliminary report is issued, a technical analysis of the documents of the record begins. This view of all recorded matters is made to evaluate their impact on the title to the property.Inspection AnalysisIn anticipation of coverage, an inspection of the site is ordered. From the inspection report, the title product is amended to show any encroachments or other matters which would ultimately impact the title.12 reasons to have title insuranceBy insuring your title, you can eliminate delays and technicalities when passing it on to someone else. Here's a list of just some of the hidden risks title insurance protects you from.Deeds by persons of unsound mindDeeds by minorsDeeds by persons who are supposedly single but are in fact marriedUndisclosed or missing heirsFalse impersonation of the true owner of the propertyForged deeds, releases or willsInstruments executed under invalid or expired power of attorneyMistakes in recording legal documentsMisinterpretations of willsLiens for unpaid estate, inheritance, income or gift taxesDeeds signed while the grantor was in bankruptcyDefects in the recording of a document upon which your title is dependent Privacy PolicyOpen configuration optionsServing your needs and protecting your personal information are priorities for Virginia Statewide Title Services, LLC (referenced herein as “Virginia Statewide Title Services”, “we” or “us”). This notice describes the privacy and data security practices followed by Virginia Statewide Title Services and explains what types of information we collect, under what circumstances it may be shared and what choices you have regarding how it is shared.Information we collectWe collect personal information that is necessary to enable us to establish and to provide services, in each case, as permitted or required by applicable law. The personal information we collect varies depending on the services you request and use.We may collect and (as described below) disclose nonpublic personal information about you that we obtain from the following sources:Information we receive from you on applications and other forms.Information about your transactions with us, our affiliates, or others.Information we receive from consumer-reporting agencies.The term “personal information,” as used in this privacy policy, means information that identifies you personally. We may use information that does not personally identify you to help manage our business and to provide us, our affiliates or other companies insight into consumer behavior within our company and on our website. We may use this aggregate, anonymous information even if you ask us to limit the disclosure of your personal information as described herein.Information we shareWe do not sell or provide personal information to third parties for telemarketing or any other independent use.Third Party Vendors. To offer you products and services that help you achieve your financial goals, we may, however, share information with our affiliates and selected companies with which we contract in order for them to provide services on our behalf.To protect your privacy, we work only with third party vendors that contractually agree to (a) maintain strong confidentiality protections; (b) limit their use of any personal information to which they have access to those functions that are necessary to perform the services that we have contracted with them to provide; and (c) agree that they will not sell to other third parties the information we provide to them.Such affiliated companies may include, but are not limited to, financial service providers, mortgage companies, and real estate brokerage firms.Nonaffiliated Third Parties. We do not share your personal information with nonaffiliated third parties that are not third party vendors (as described above).Information of Former Customers. If you are no longer a customer of Virginia Statewide Title Services or its affiliates, we will not share information we have collected about you, except as permitted or required by law.Sharing of Information as Permitted by Law. We also may share information about you in other ways as required by law or as permitted to properly manage our business.How we protect your informationWe restrict access to your personal information to those employees who have a business purpose in utilizing your data. To protect your nonpublic personal information, we maintain physical, electronic and procedural safeguards that comply with federal regulations and leading industry practices and we also require third party vendors working for us to protect your information.Online communication/Internet usersRegular emails you may send to us are not secure against interception by unauthorized individuals. Therefore, we ask that you not send nonpublic personal information, especially social security numbers, through regular email. Likewise, we will not transmit through regular email sensitive or nonpublic personal information that can compromise or violate a user’s privacy.We use Internet cookies to facilitate your use of the Virginia Statewide Title Services website. A cookie is a data file that a web server places on your computer when you visit a site that, among other things, enables the site to recognize repeat visits from that computer and to display settings that you have previously selected through that computer. To take full advantage of the features and level of security that the Virginia Statewide Title Services website offers, your Internet browser must meet certain requirements, such as supporting 128 bit encryption, and being set to allow our servers to create a cookie on your system.ChoicesLimiting Information we use for Marketing. We do not release your personal information to affiliates for purposes of marketing. If you establish a direct relationship with one of our affiliates, they may market to you directly – and you may address any requests to cease such marketing directly to such affiliates. Otherwise, to the extent that you receive any marketing materials relating to our affiliates’ services, such communications come directly from Virginia Statewide Title Services and you may exercise your opt-out rights as discussed below.Email Communication Opt Out. We may periodically send educational and informational emails about our products and services, or those of our affiliates, to customers for whom we have recorded email addresses. All customers who receive these emails have the opportunity to opt out of this service at any time by sending the request to [email protected]How to Exercise your Privacy Choice. You may also exercise any of the above-listed choices to opt out by contacting us by email at [email protected], phone, fax or U.S. mail.Virginia Statewide Title Services, LLC9211 Forest Hill Avenue, Suite 102Richmond, VA 23235Phone: (804) 320-4234Fax: (804) 521-7968Email: [email protected]Links to other websitesOur website contains links to other websites that may be of interest to you. We provide these links as a service to you and are not liable for the content or policies of any of these third party websites. When you leave the Virginia Statewide Title Services website to visit a third party website, Virginia Statewide Title Services’ policies no longer apply. Accordingly, you should review any privacy policies posted on other websites you visit to ensure that you understand and agree to their terms.Privacy policy inquiriesPlease contact us if you have any questions about this statement or if we can help you in any way.UpdatesMaterial changes to this Policy and updated versions of the Virginia Statewide Title Services Privacy Policy will be posted on the Virginia Statewide Title Services website. The effective date of this Policy is listed below.October 25th, 2012