Every so often, I get the “deer in the headlights”  look from a seller at the closing table. Some sellers ask “Why do you charge me so much  to sell my home?”
Some call me and tell  me to “sharpen my pencil” that one makes my blood boil!
I love what I do to make others dreams come true.
I insure and protect the American dream and that is pretty awesome responsibility.
In order to achieve this I have to do a lot of work.
Examine the title, commit to the conditions to insure.
As the neutral  escrow agent, I follow contract and lender instructions to complete the deal-
Keep in touch with ALL parties and hope they return calls and co-operate to get it done.
Then there's Real estate agents, inspectors, insurance agents, city and county offices, attorneys,
and we collect the lender's charges for the mortgage loan.
 Sometimes, there are well meaning relatives who think they  know more than we. Loan officers and their processors, who have different stories to tell  buyers, get mortgage pay-offs, taxes, appointments for signing -one each for buyer and seller. This is an escrow closing area. Make sure deed and mortgage are filed on time, and disburse the funds to all involved including paying off the mortgage. We wire most of these and it is not free and..when it is all over…
I issue a title insurance  policy to protect the American Dream!
Do you have any idea the number of hours we put into a real estate transfer title?
Much of what is charged, I am collecting for another party -: the county/state  transfer tax (a biggie) and we collect the lender's charges for the mortgage loan. and the
real estate commission, the biggest biggie.
I totally believe in educating the buyers and sellers through our free workshops, consultations, plus
 the zillions of phone calls I take and explain costs up front.
 Sometimes they  “forget”.
We are the low man(or woman) on the totem pole when it comes to fees involved in a real estate purchase or sale, I started  Gateway Title 21 years ago.
I guess I keep  doing this  because I love it!
Call me when you are buying or selling for a free estimate and explanation of the costs involved. PS. Did you know the seller and buyer have a right to choose the title company used for their closing?

To all sellers

I have been researching marketing real estate and I have discovered that putting the sale price on the sign creates activity on the property creating a better position in finding a buyer.

Do you have thoughts on this? I would appreciate it if you would please reply back to me with your opinion.

Thanks for taking the time to help.
Keeping Life Simple,

Rachel Torchia
Gateway Title Agency Inc.
8748 Brecksville Road Suite 100
Brecksville, Ohio 44141

Phone: (440) 546-9660
Reak Estate Actuality editor


  • I really think that FOR  SALE BY OWNERS (fsbo) should advertise the asking price on their yard sign. I heard from a former FSBO seller who did just that and it worked!

  • the following is our posting about that belief . 
  • It was a big discussion at the workshop this morning. I am pretty sure  at least one seller is going to do it. I'll let you know the results as things progress. If you are on Facebook “like” Gateway Title- The FSBO Specialists. We get into some interest things about today's real estate market.
  • Gateway Title – The FSBO Specialists If the house is priced to the market …that's the big thing.
  • Melissa Rocky Lewis Hah! Don't know about that. I just remember my own house hunting. It was always the first thing I wanted to know as I drove by… “I wonder if I can afford that one.”
  • Gateway Title – The FSBO Specialists I think that is most everyone's first reaction – human nature, so why not feed it?


An Obituary printed in the London Times –

Today we mourn the passing of a beloved old friend, Common Sense, who has been with us for many years. No one knows for sure how old he was, since his birth records were long ago lost in bureaucratic red tape.

He will be remembered as having cultivated such valuable lessons as:
– Knowing when to come in out of the rain;
– Why the early bird gets the worm;
– Life isn't always fair; and
– Maybe it was my fault..

Common Sense lived by simple, sound financial policies (don't spend more than you can earn) and reliable strategies (adults, not children, are in charge). His health began to deteriorate rapidly when well-intentioned but overbearing regulations were set in place. Reports of a 6-year-old boy charged with sexual harassment for kissing a classmate; teens suspended from school for using mouthwash after lunch; and a teacher fired for reprimanding an unruly student, only worsened his condition.
Common Sense lost ground when parents attacked teachers for doing the job that they themselves had failed to do in disciplining their unruly children.

It declined even further when schools were required to get parental consent to administer sun lotion or an aspirin to a student; but could not inform parents when a student became pregnant and wanted to have an abortion.

Common Sense lost the will to live as the churches became businesses; and criminals received better treatment than their victims.

Common Sense took a beating when you couldn't defend yourself from a burglar in your own home and the burglar could sue you for assault.

Common Sense finally gave up the will to live, after a woman failed to realize that a steaming cup of coffee was hot. She spilled a little in her lap, and was promptly awarded a huge settlement.

Common Sense was preceded in death, by his parents, Truth and Trust, by his wife, Discretion, by his daughter, Responsibility, and by his son, Reason.

He is survived by his 4 stepbrothers:
I Know My Rights
I Want It Now
Someone Else Is To Blame –  I'm A Victim
Not many attended his funeral because so few realized he was gone.

If you still remember him, pass this on. If not, join the majority and do nothing.


Follow up …

Well the buyer and seller finally came to terms and are ready to move on. How did it turn out?

Seller accepts the pro ration of taxes but refused to pay for title insurance. Buyer accepts paying for his title insurance (he wouldn't take title without it).

They made a few other adjustments and are ready to move on.

The moral of this story is…..

If you really want to sell and they really want to buy, KEEP TALKING AND WORK IT OUT!


A new Real Estate Trend has come to our attention

We are getting more “LEASE /PURCHASE” agreements, now converting to the purchase. 
They need a title company to follow the agreement instructions and close it for them. We do that!
Please give me a call at 440 546 9660 or email me rachel@gatewaytitle.com 
If you have questions or need help with this.
That's what we do!