{"id":233,"date":"2016-09-02T07:38:11","date_gmt":"2016-09-02T07:38:11","guid":{"rendered":"https:\/\/secure.titlecompanywebdesign.com\/kotnertitle\/?page_id=233"},"modified":"2017-12-24T22:40:45","modified_gmt":"2017-12-24T22:40:45","slug":"video-library","status":"publish","type":"page","link":"https:\/\/secure.titlecompanywebdesign.com\/kotnertitle\/resources\/video-library\/","title":{"rendered":"Video Library"},"content":{"rendered":"

[et_pb_section admin_label=”Section” transparent_background=”off” background_color=”#ffffff” allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” padding_mobile=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” custom_width_px=”1080px” custom_width_percent=”80%” make_equal=”off” use_custom_gutter=”off” fullwidth=”on” specialty=”off” disabled=”off”][et_pb_fullwidth_slider admin_label=”video faq” show_arrows=”off” show_pagination=”off” auto=”off” auto_speed=”7000″ auto_ignore_hover=”off” parallax=”on” parallax_method=”off” remove_inner_shadow=”off” background_position=”default” background_size=”default” top_padding=”28%” top_padding_tablet=”33%” top_padding_phone=”50%” hide_content_on_mobile=”off” hide_cta_on_mobile=”off” show_image_video_mobile=”off” module_class=”inner_slider” custom_button=”off” button_letter_spacing=”0″ button_use_icon=”default” button_icon_placement=”right” button_on_hover=”on” button_letter_spacing_hover=”0″ disabled=”off” saved_tabs=”all”] [et_pb_slide heading=”Video FAQ” button_link=”#” background_image=”https:\/\/secure.titlecompanywebdesign.com\/kotnertitle\/wp-content\/uploads\/sites\/108\/2016\/08\/sunset-2406100.jpg” background_position=”default” background_size=”default” background_color=”#ffffff” use_bg_overlay=”off” use_text_overlay=”on” text_overlay_color=”rgba(241,181,25,0.8)” alignment=”center” background_layout=”dark” allow_player_pause=”off” admin_title=”video faq” text_border_radius=”3″ header_font=”|on|||” header_font_size=”45″ header_font_size_tablet=”45″ header_font_size_phone=”30″ header_font_size_last_edited=”on|desktop” header_text_color=”#ffffff” body_font=”||||” custom_button=”off” button_font=”||||” button_use_icon=”default” button_icon_placement=”right” button_on_hover=”on” disabled=”off” header_font_select=”default” body_font_select=”default” button_font_select=”default”][\/et_pb_slide] [\/et_pb_fullwidth_slider][\/et_pb_section][et_pb_section admin_label=”section”][et_pb_row admin_label=”row”][et_pb_column type=”2_3″][et_pb_code admin_label=”Code”]<h4>Starting<\/h4> <ul> <li><a href=”..\/how-can-i-determine-my-housing-needs-before-i-begin-the-search\/”>Determining Your Housing Needs<\/a><\/li> <li><a href=”..\/how-do-i-begin-the-process-of-buying-a-home\/”>Start The Home-Buying Process!<\/a><\/li> <li><a href=”..\/how-do-lenders-decide-the-maximum-loan-amount-that-buyers-can-afford\/”>How Lenders Decide Your Maximum Loan<\/a><\/li> <li><a href=”..\/how-does-purchasing-a-home-compare-with-renting\/”>Purchasing Vs Renting A Home<\/a><\/li> <li><a href=”..\/why-use-a-realtor\/”>Why Use a REALTOR\u00a8?<\/a><\/li> <li><a href=”..\/how-can-i-find-out-about-schools-community-resources\/”>Learn Your Community Resources<\/a><\/li> <li><a href=”..\/what-should-i-look-for-when-walking-through-a-home\/”>Walkthrough -What To Look For<\/a><\/li> <li><a href=”..\/how-can-i-keep-track-of-all-the-homes-i-see\/”>Keeping Track Of Homes<\/a><\/li> <li><a href=”..\/what-questions-should-i-ask-when-looking-at-homes\/”>What To Ask When Looking At Homes<\/a><\/li> <li><a href=”..\/is-an-older-home-a-better-value-than-a-new-one\/”>Older Vs Newer Homes<\/a><\/li> <li><a href=”..\/what-is-earnest-money-and-how-much-should-i-set-aside\/”>What Is Earnest Money?<\/a><\/li> <li><a href=”..\/what-does-a-home-inspector-do-and-how-does-an-inspection-figure-in-the-purchase-of-a-home\/”>What Do Home Inspectors Do?<\/a><\/li> <li><a href=”..\/what-about-a-home-located-in-a-flood-plain\/”>What About Flood Plains?<\/a><\/li> <li><a href=”..\/what-are-home-warranties-and-should-i-consider-them\/”>What Are Home Warranties?<\/a><\/li> <li><a href=”..\/what-should-i-look-out-for-during-the-final-walk-through\/”>Final Walkthrough Warnings<\/a><\/li> <\/ul> <h4>Mortgage<\/h4> <ul> <li><a href=”..\/what-is-a-rate-lock\/”>What Is A Rate Lock?<\/a><\/li> <li><a href=”..\/what-is-a-mortgage\/”>What Is A Mortgage?<\/a><\/li> <li><a href=”..\/what-is-a-qualified-mortgage\/”>What is A Qualified Mortgage?<\/a><\/li> <li><a href=”..\/what-is-loan-to-value-ltv-and-how-does-it-affect-the-size-of-my-loan\/”>What Is Loan-To-Value (LTV)?<\/a><\/li> <li><a href=”..\/how-large-a-down-payment-do-i-need\/”>How Large A Down Payment Do I Need?<\/a><\/li> <li><a href=”..\/what-does-ability-to-repay-mean\/”> What Is Ability To Repay?<\/a><\/li> <li><a href=”..\/are-there-special-mortgages-for-first-time-homebuyers\/”>First-Time Mortgages?<\/a><\/li> <li><a href=”..\/what-types-of-mortgage-loans-are-available\/”>The Main Types Of Mortgages<\/a><\/li> <li><a href=”..\/how-does-the-interest-rate-factor-in-securing-a-mortgage-loan\/”>How Interest Affects Mortgages<\/a><\/li> <li><a href=”..\/what-are-the-advantages-of-15-and-30-year-fixed-rate-mortgages\/”>Fixed-Rate Mortgage Advantages<\/a><\/li> <li><a href=”..\/what-factors-affect-mortgage-payments\/”>Key Factors In Mortgage Payments<\/a><\/li> <li><a href=”..\/what-is-included-in-a-monthly-mortgage-payment\/”>What Does A Mortgage Cover?<\/a><\/li> <li><a href=”..\/what-are-discount-points\/”>What Are Discount Points?<\/a><\/li> <li><a href=”..\/what-is-mortgage-insurance\/”>What Is Mortgage Insurance?<\/a><\/li> <li><a href=”..\/what-is-pmi\/”>What Is PMI?<\/a><\/li> <li><a href=”..\/what-is-prime\/”>What Is Prime?<\/a><\/li> <li><a href=”..\/what-is-equity\/”>What Is Equity?<\/a><\/li> <li><a href=”..\/can-i-pay-off-my-loan-ahead-of-schedule\/”>Can I Pay Off Early?<\/a><\/li> <\/ul> <h4>Financing<\/h4> <ul> <li><a href=”..\/what-steps-need-to-be-taken-to-secure-a-loan\/”> Key Steps To Secure Your Loan<\/a><\/li> <li><a href=”..\/what-is-the-debt-to-income-ratio-dti\/”>What is Debt-To-Income?<\/a><\/li> <li><a href=”..\/how-are-pre-qualifying-and-pre-approval-different\/”> Pre-Qualifying vs Pre-Approval<\/a><\/li> <li><a href=”..\/what-responsibilities-do-i-have-during-the-lending-process\/”>Lending Process DOs and DON’Ts<\/a><\/li> <li><a href=”..\/what-happens-after-ive-applied-for-my-loan\/”>After Your Loan Application<\/a><\/li> <li><a href=”..\/how-do-i-choose-the-right-lender-for-me\/”>Choosing Your Lender<\/a><\/li> <li><a href=”..\/how-do-i-choose-the-best-loan-program-for-me\/”>Choosing Your Home Loan<\/a><\/li> <li><a href=”..\/what-is-the-best-way-to-compare-loan-terms-between-lenders\/”>How To Compare Loans<\/a><\/li> <li><a href=”..\/what-costs-or-fees-are-associated-with-loan-origination\/”>Understanding Loan Fees<\/a><\/li> <li><a href=”..\/what-is-a-good-faith-estimate-and-how-does-it-help-me\/”>What is A Good Faith Estimate?<\/a><\/li> <li><a href=”..\/what-is-respa\/”>What Is RESPA?<\/a><\/li> <li><a href=”..\/what-is-an-appraisal\/”>What’s An Appraisal?<\/a><\/li> <\/ul> <h4>Credit, Closing & Federal Programs<\/h4> <ul> <li><a href=”..\/what-is-a-credit-bureau-score-and-how-do-lenders-use-them\/”>What is A Credit Score?<\/a><\/li> <li><a href=”..\/how-can-i-find-out-information-about-my-credit-history-2\/”>Find Your Credit History<\/a><\/li> <li><a href=”..\/what-is-an-escrow-account-do-i-need-one\/”>What Is Escrow?<\/a><\/li> <li><a href=”..\/closing-explained-visually\/”> Closing Costs Explained Visually<\/a><\/li> <li><a href=”..\/title-insurance-explained-visually\/”>Title Insurance Explained Visually<\/a><\/li> <li><a href=”..\/what-are-commissions\/”>What Are Real Estate Commissions?<\/a><\/li> <li><a href=”..\/what-can-i-expect-to-happen-on-closing-day\/”>What Happens On Closing Day?<\/a><\/li> <li><a href=”..\/what-do-i-get-at-closing\/”>What Do I Get At Closing?<\/a><\/li> <li><a href=”..\/what-makes-up-closing-costs\/”>What Makes Up Closing Costs?<\/a><\/li> <li><a href=”..\/how-can-the-fha-assist-me-in-buying-a-home\/”>How Can The FHA Help?<\/a><\/li> <li><a href=”..\/what-are-the-steps-involved-in-the-fha-loan-process\/”>What Are The Steps In FHA Loans?<\/a><\/li> <li><a href=”..\/what-types-of-closing-costs-are-associated-with-fha-insured-loans\/”>About FHA Closing Costs<\/a><\/li> <li><a href=”..\/what-are-203b-and-203k-loans\/”>About 203(b) and 203(k) FHA Loans<\/a><\/li> <li><a href=”..\/what-are-va-home-loans\/”>What Are VA Loans?<\/a><\/li> <li><a href=”..\/what-are-the-major-types-of-va-loans\/”>Major VA Loan Types<\/a><\/li> <li><a href=”..\/what-is-a-certificate-of-eligibility-or-coe\/”>What is The VA COE?<\/a><\/li> <\/ul> <h4>Selling<\/h4> <ul> <li><a href=”..\/how-do-i-make-a-home-ready-to-sell\/”>Making Your Home Ready To Sell<\/a><\/li> <li><a href=”..\/how-should-i-prepare-for-internet-showing\/”>Preparing For Internet Showing<\/a><\/li> <li><a href=”..\/how-should-i-prepare-the-inside-for-an-open-house\/”>Home Sales Tips -Prepping The Inside<\/a><\/li> <li><a href=”..\/how-should-i-prepare-the-outside-for-an-open-house\/”>Home Sales Tips -Prepping The Outside<\/a><\/li> <li><a href=”..\/how-do-i-evaluate-an-offer\/”>How Do I Evaluate An Offer?<\/a><\/li> <li><a href=”..\/what-is-a-counter-offer\/”>What Is A Counter-Offer?<\/a><\/li> <li><a href=”..\/what-does-the-closing-process-involve-when-i-sell\/”>The Closing Process For Home Sellers<\/a><\/li> <li><a href=”..\/6-selling-mistakes\/”>6 Home-Selling Mistakes<\/a><\/li> <li><a href=”..\/what-details-can-i-ask-brokers-in-advance\/”>What Can I Ask Brokers?<\/a><\/li> <li><a href=”..\/how-do-i-set-the-price-on-my-house\/”>Setting Your Price<\/a><\/li> <li><a href=”..\/which-square-footage-figure-should-i-use\/”>Which Square Footage Figure??<\/a><\/li> <li><a href=”..\/how-is-a-home-marketed\/”>How Is A Home Marketed?<\/a><\/li> <li><a href=”..\/how-can-i-improve-my-homes-value\/”>Improving Your Home’s Value<\/a><\/li> <\/ul> <h4>TRID<\/h4> <ul> <li><a href=”..\/what-do-lenders-have-to-tell-you-about-your-real-estate-loan\/”>What Lenders Must Disclose<\/a><\/li> <li><a href=”..\/what-kinds-of-loans-do-trid-disclosures-cover\/”>Loans Covered By TRID Disclosures<\/a><\/li> <li><a href=”..\/what-disclosures-are-used-for-loans-not-covered-by-trid\/”>Loans NOT Covered By TRID Disclosures<\/a><\/li> <li><a href=”..\/what-6-pieces-of-information-make-a-trid-loan-application\/”>6 Required Pieces of Information<\/a><\/li> <li><a href=”..\/can-creditors-collect-information-beyond-the-6-required-pieces\/”>Can Lenders Request More Information?<\/a><\/li> <li><a href=”..\/do-creditors-have-to-approve-trid-loans-in-3-days\/”>Do Lenders HAVE To Approve In 3 Days?<\/a><\/li> <li><a href=”..\/what-is-a-business-day-for-real-estate-loan-disclosures\/”>What Is A Business Day?<\/a><\/li> <li><a href=”..\/how-long-must-creditors-keep-real-estate-loan-records\/”>How Long Will Lenders Keep My Records?<\/a><\/li> <li><a href=”..\/what-will-the-trid-loan-estimate-tell-me\/”>What Does The Loan Estimate Tell You?<\/a><\/li> <li><a href=”..\/could-my-loan-costs-exceed-the-loan-estimate\/”>Could My Loan Exceed The Estimate?<\/a><\/li> <li><a href=”..\/whats-refunded-if-my-loan-is-higher-than-my-estimate\/”>Refunds -If Your Loan Exceeds Your Estimate<\/a><\/li> <li><a href=”..\/can-creditors-revise-trid-loan-estimates\/”>Can Creditors Revise Loan Estimates?<\/a><\/li> <li><a href=”..\/can-my-settlement-charges-change\/”>Can My Settlement Charges Change?<\/a><\/li> <li><a href=”..\/when-do-i-get-my-loan-closing-disclosure\/”>When Do I Get My Closing Disclosure?<\/a><\/li> <li><a href=”..\/understanding-your-loan-estimate-terms-payments-and-closing-costs\/”>Loan Estimates -Terms, Payments, Closing<\/a><\/li> <li><a href=”..\/understanding-your-loan-estimate-page-2-loan-costs\/”>Loan Estimates -Loan Costs<\/a><\/li> <li><a href=”..\/understanding-your-loan-estimate-services-you-cannot-shop-for\/”>Loan Estimates -Services You Can’t Shop<\/a><\/li> <li><a href=”..\/understanding-your-loan-estimate-services-you-can-shop-for\/”>Loan Estimates -Services You CAN Shop<\/a><\/li> <li><a href=”..\/understanding-your-loan-estimate-other-costs\/”>Loan Estimates -Other Costs<\/a><\/li> <li><a href=”..\/calculating-your-cash-to-close\/”>Calculating Your Cash To Close<\/a><\/li> <li><a href=”..\/understanding-loan-estimate-comparisons\/”>Understanding Loan Estimate Comparisons<\/a><\/li> <li><a href=”..\/your-rights-and-rules-for-closing-disclosures\/”>Your Rights For Closing Disclosures<\/a><\/li> <li><a href=”..\/understanding-your-loan-closing-disclosure-page-1\/”>Closing Disclosures -Understanding Page 1<\/a><\/li> <li><a href=”..\/understanding-your-loan-closing-cost-details\/”>Closing Disclosures – Closing Costs<\/a><\/li> <li><a href=”..\/understanding-your-loan-cash-and-transaction-summaries\/”>Closing Disclosures – Understanding Summaries<\/a><\/li> <li><a href=”..\/understanding-your-loan-additional-information-can-be-important\/”>Closing Disclosures – Important Additions<\/a><\/li> <\/ul>[\/et_pb_code][\/et_pb_column][et_pb_column type=”1_3″][et_pb_sidebar admin_label=”Sidebar” global_module=”553″ saved_tabs=”all” orientation=”right” area=”sidebar-1″ background_layout=”light” remove_border=”off”] [\/et_pb_sidebar][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section admin_label=”section” global_module=”522″ transparent_background=”off” allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” padding_mobile=”on” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off” custom_padding=”0px|0px|0px|0px” module_class=”button-schedule”][et_pb_row global_parent=”522″ admin_label=”row” make_fullwidth=”on” use_custom_width=”off” width_unit=”on” use_custom_gutter=”on” gutter_width=”1″ custom_padding=”30px||0px|” padding_mobile=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”on” parallax_1=”off” parallax_method_1=”off” parallax_2=”off” parallax_method_2=”off” column_padding_mobile=”on” padding_top_2=”30px” padding_bottom_2=”30px” padding_left_2=”30px” custom_margin=”0px|0px|0px|0px” background_color_2=”#000000″][et_pb_column type=”1_2″][et_pb_map global_parent=”522″ admin_label=”Map” address=”404 Seright St, Harrisburg, IL 62946, USA” address_lat=”37.7415618″ address_lng=”-88.526453″ mouse_wheel=”on” mobile_dragging=”on” use_grayscale_filter=”off”] [et_pb_map_pin title=”Kotner Title” pin_address=”404 Seright St, Harrisburg, IL 62946, USA” pin_address_lat=”37.7415618″ pin_address_lng=”-88.526453″] 404 Seright Street, Harrisburg, Illinois 62946 [\/et_pb_map_pin] [\/et_pb_map][\/et_pb_column][et_pb_column type=”1_2″][et_pb_text global_parent=”522″ admin_label=”Office Location” background_layout=”dark” text_orientation=”left” text_font_size=”40px” text_font_size_phone=”30px” text_font_size_last_edited=”on|desktop” use_border_color=”off” border_color=”#ffffff” border_style=”solid” text_line_height=”1.5em” custom_css_main_element=”font-weight: 300 !important;”] Office Location [\/et_pb_text][et_pb_text global_parent=”522″ admin_label=”Address” background_layout=”dark” text_orientation=”left” text_font=”|||on|” text_font_size=”20″ text_font_size_last_edited=”on|desktop” text_line_height=”1.5em” use_border_color=”off” border_style=”solid” custom_css_main_element=”font-weight: 300 !important;” disabled=”off” border_color=”#ffffff” custom_padding=”||10px|”] 404 Seright Street, Harrisburg, Illinois 62946 Phone:<\/strong> (618) 273-7611<\/a> [\/et_pb_text][et_pb_text global_parent=”522″ admin_label=”Address” background_layout=”dark” text_orientation=”left” text_font=”|||on|” text_font_size=”20″ text_font_size_last_edited=”on|desktop” text_line_height=”1.5em” use_border_color=”off” border_style=”solid” custom_css_main_element=”font-weight: 300 !important;” disabled=”off” border_color=”#ffffff” custom_padding=”||10px|”]<\/p>\n

Open Hours<\/h3>\n

Mon-Fri:<\/strong> 8:00am – 4:30pm<\/p>\n

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