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Stonewall Title and Escrow Inc

Posted On 10 Dec 2013
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Stonewall Title and Escrow
Stonewall Title and Escrow, Inc.

Who Do You Trust?
Finding the right Title Services Provider is as important as finding the right property.
… it sounds solid; it is solid
About Us

Stonewall Title & Escrow, Inc. is committed to the SAFE and SECURE TRANSFER OF REAL PROPERTY OWNERSHIP. We have a profound belief that real estate ownership is a sound investment in the future and a wealth-builder for America’s families and businesses. It strengthens our communities and provides a legacy for the next generation. We understand the significance of every ingredient that goes in to the services that we offer. That is why, for over twenty years, the title product has been priority one in our operations.


  • Residential Settlements:
  • Lender Services
  • Builder Services
  • Commercial Settlements
  • Title Industry Solutions For Attorneys
  • Title Insurance
  • Our Underwriters

Stonewall Title has been a leader in the title industry for over 20 years, and we are committed to the safe and secure transfer of real property ownership. To that end, we utilize the industry’s proven best practices to provide our customers with a standard of care that is unsurpassed. We understand that the most important settlement is … YOURS

Residential Settlements require detailed processing.
The Residential Settlement process, to include the issuance Title Insurance, is an area of service requiring a particular expertise that could be best pictured as a conductor directing an orchestra. There are numerous facets to a real estate settlement, and they must all come together in harmony with all the parties to the transaction.

A Brief Overview of the Settlement Agent’s Duties:


  • Obtain a Report of Title
  • Obtain a House Location Survey
  • Order Payoff Statements
  • Obtain Real Estate Tax Information
  • Prepare/Obtain Title Insurance Commitment
  • Obtain HOA/Condo Assessment Information
  • Clear Title Matters
  • Obtain Deed of Conveyance
  • Prepare Title Forms for Settlement
  • Obtain Loan Package from Lender
  • Prepare HUD-1 Settlement Statement
  • Loan Document Set-up for Settlement
  • Conduct Settlement Conference
  • Record Documents in Circuit Court
  • Disburse Funds Pursuant to HUD-1
  • Copy and Archive Documents
  • Produce Title Insurance Policies


  • Obtain a Report of Title
  • Order Payoff Statements
  • Obtain Real Estate Tax Information
  • Prepare/Obtain Title Insurance Commitment
  • Clear Title Matters
  • Prepare Title Forms for Settlement
  • Obtain Loan Package from Lender
  • Prepare HUD-1 Settlement Statement
  • Loan Document Set-up for Settlement
  • Conduct Closing Conference
  • Record Documents in Circuit Court
  • Disburse Funds Pursuant to HUD-1
  • Copy and Archive Documents
  • Produce Title Insurance Policy

Lender Services

“There is nothing permanent except change.” HERACLITUS (540 BC – 480 BC)

Who would have ever thought that someone who lived so long ago would have such a profound understanding of the mortgage lending industry? From interest rates to loan programs, and the availability of funding, mortgage lending is in a continuous state of flux; now more than ever before.

Through it all, Stonewall Title has been here to come along side lenders to assist lenders in providing borrowers everything that is needed to take a loan through the closing process. Never make light of what we all do for a living. We help facilitate a freedom that we have here in this country that is not necessarily experienced throughout the rest of the world – the ability of ordinary citizens to buy and sell real estate. The very nature of our business is important to this country in so many, many ways. At Stonewall Title, we understand the significance of what you do. We also understand the regulatory changes that have taken place and are ongoing. For that reason, we recommend an early partnership between title company and lender to assure the customer a smooth transaction.

“When you’re finished changing, you’re finished”. BENJAMIN FRANKLIN

Builder Services

Stonewall Title offers specialized products for Builders. Our Builder Services Team is staffed with experienced processors, title insurance underwriters, and settlement officers who are dedicated to this mission. We have earned a reputation for efficiency and unparalleled proficiency to handle land acquisitions, new construction, and out-sale transactions. We possess industry knowledge and decades of experience in working with builders… of all sizes and shapes.

Our goal is to work with you from acquisition to out-sale. Additionally, we provide Mechanics Lien Agent services and monitoring for Construction Loans – all tailor-made for builders and developers. Stonewall Title is well positioned to service all of your transaction needs with on-line access to county land records.

Along with our “Get it Closed” attitude, all Out-Sale Settlement Services are delivered with a professional congeniality that ensures that your relationship with your new homebuyer comes to a satisfying conclusion. And, in most instances, we are able to provide special rates and pricing on multi-lot, out-sale settlements for your communities.

Please contact Mina Croson at 703-369-2255 or by email with questions and requests for a quote for services.

Commercial Settlements

Commercial Settlements come together with a twist of opportunity, adventure, and foresight. They are custom made by and for the entrepreneur and require a refined understanding of title insurance and business finance. Yes, the best title companies are very experienced, and Stonewall Title has a 20 year history of insuring, processing, and closing commercial transactions. We know that buying commercial property is an investment, and that you are counting on the return. We know that lending money on commercial property has its risks. We know that trusting a title company with the proceeds from the sale of commercial property requires assurance. At Stonewall Title, we know commercial settlements.

Stonewall Title – licensed, bonded, and experienced.

  • Office Buildings and Condominiums
  • Land Acquisitions and Tract Assemblages
  • Retail and Shopping Centers
  • Industrial and Agricultural
  • Church (and Non-Profit) Owned Properties
  • 1031 Tax Deferred Exchanges
  • Escrow Services

Title Insurance

During the real estate boom that occurred in the first part of this century, business was often carried out in a fast and furious mode in attempts to accommodate the volume. Concerns from that season include hurriedly prepared deeds, short cuts in title examinations, and last minute changes in the names of purchasers to facilitate loan approval. Some of these issues are yet to surface as a problem, but could show up and become a calamity for unsuspecting sellers and buyers. All of this coupled with the typical title problems that surface in the normal course of business, leave anyone purchasing real estate vulnerable and in need of protection.

In recent years, there have been many changes in the way that we view our assets and investments. Following the implode of the real estate markets and the near topple of our financial markets, more and more of the titles to our nation’s real estate have been marred by title defects through improper foreclosures, flawed short sales, judgment liens, and other liens recorded in the land records. Title insurance, to include a thorough title examination, is now a more critical component of asset preservation than ever before. Unfortunately, not all title defects can be disclosed in a title examination.

In the past, purchasers of real estate relied on title insurance to protect themselves against the usual culprits, namely fraud, forgeries, missing heirs, unpaid taxes, and the like. Currently we are seeing the impact of the circumstance of our economy in our land and title records across the country. The affects of this recession will be reflected in the title documents to our real property for generations to come.

What could go wrong with a bank’s foreclosure?

  • Not all of the Owner’s of the Property Signed the Mortgage or Deed of Trust
  • One or More of the Owners of the Property were in Bankruptcy at the time of the Foreclosure
  • The Property Owner’s rights under the Servicemembers Civil Relief Act were Violated
  • Proper Notice was not Provided to Subordinate Lien Holders
  • The IRS has a Right of Redemption under an IRS Lien
  • What could go wrong with a short sale?
  • The Lender was Not Actually Paid the Amount Required to Release the Lien
  • Fraud was Committed in the Short Sale Process
  • Other Unreleased Liens on the Property

What does an Owner’s Title Insurance Policy Cover?
Here are just a few of the most common risks that can cause loss of title or create an encumbrance on title:

  • False Impersonation of the True Owner of the Property
  • Forged Deeds, Releases or Wills
  • Undisclosed or Missing Heirs
  • Instruments Executed Under Invalid or Expired Power of Attorney
  • Mistakes in Recording Legal Documents
  • Mistakes in Preparation of Legal Documents
  • Improper Foreclosure of a Lender’s Lien
  • Misinterpretations of Wills
  • Deeds by Persons of Unsound Mind
  • Deeds by Minors
  • Deeds by Persons Supposedly Single, but in fact Married
  • Liens for Unpaid Estate, Inheritance, Income or Gift Taxes
  • Unreleased Lender’s Liens
  • Fraud

Why does the Lender require a Title Insurance Policy for my property?
The loan policy protects the lender against loss due to unknown title defects. It also protects the lender’s interest from certain matters which may exist, but may not be known at the time of the purchase or refinance.

However, a lender’s policy only protects the lender’s interest. It does not protect the borrower or owner of the real estate. That is why a real estate purchaser needs an owner’s policy, which can be issued at the same time as the loan policy, usually for a nominal one-time fee in conjunction with a simultaneous issue premium.

Can I Get More Protection?
ALTA Homeowner’s Policy (Enhanced) vs. Standard Comparison

There are few things more important than protecting your home. Owner’s Title Insurance has been offered for more than 150 years, because even the best title search and examination cannot protect your equity and home from matters not appearing in the public records.

The standard policy covers you for defects and liens in the history of your title through the date and time your Deed is recorded in the public records. The ALTA Homeowner’s Policy of Title Insurance provides coverage for many additional risks, including some which might occur after the deed is recorded.

Below is a coverage comparison that will help you decide which policy is the best for you to protect your ownership in your home.


You are a Real Estate Professional…
An Independent Contractor;
Licensed, Trained and Proficient;
Business Minded, Hard Working, and Self Reliant.

Why would anyone think that you need someone to tell you which title company to use?

Realtors have many choices in front of them each day. By far, the most important is to CHOOSE SUCCESS, and that decision comes from within you.

For over 20 years, Stonewall Title has sought to be a partner with Realtors who CHOOSE SUCCESS. We understand your business, and what it takes to be successful in the current market. We would be honored to be referred to your customers.

What Realtors should know about Title Service Providers:
Simply put, the best title companies are very experienced. The ability to process, conduct, and disburse a settlement is essential, but the condition of the title that is passed from the Seller to your Buyer is something that could impact your customer for generations to come. Some good advice that you can offer your customer as to selecting a title company is to make sure that the title company actually understands title. Make sure that your customer chooses a Title Service Provider that has a thorough understanding and knowledge of title examinations and title insurance underwriting.

Experienced title companies know how to handle the special needs of your customers. Not all Buyers and Sellers fit a common mold. Each has a unique set of circumstances defined, not only by their life, but by their agenda – we can call these wants and needs. A title company of choice should have no difficulty meeting the wants and needs of your customer; it is all a part of providing the attentive customer care that is expected in a service industry. The processing and sales staff should be readily available, not only to answer questions, but to suggest solutions.

Reissue Credits are available and can save your Buyer money. If you provide the title company with a copy of an Owners Title Insurance Policy that has been issued on the property within the past 10 years, your Buyer should be entitled to receive a discounted title insurance premium.


The Consumer

The best title companies are very experienced.

You deserve nothing less than the experience that Stonewall Title has to offer. We know that real estate ownership is an investment in your future. It is an important part of wealth-building for your family or your business. Buying, selling, or refinancing your Real Estate is not something that you do everyday; but for over 20 years, Stonewall Title has been leading our customers through that very process. We know the way and can show you the best route to get to settlement, and you can trust that every aspect has been handled with diligent care. Stonewall Title has the knowledge of the settlement process and a thorough understanding of title examinations and title insurance underwriting.

It is a matter of trust.

Title companies routinely handle millions of dollars on real estate transactions. Yes, we have insurance and bonding requirements. However, it still comes down to a matter of trust. It is your money and we know it; it is your title and we insure it; it is your future and we protect it.
Integrity cannot be measured, except in its lacking.

Experienced title companies know how to handle the special needs of its customers. Each customer has a unique set of circumstances defined, not only by their life, but by their agenda – we call these wants and needs. An experienced title company seeks to meet the wants and needs of its customers, because it is part and parcel of providing the attentive customer care that you deserve. Stonewall Title’s staff is readily available to answer questions and offer solutions for your transaction.

Real Estate Industry Professional

The best advice for any Real Estate Industry Professional is …GET CONNECTED
Real Estate — a field that requires many different dots to connect, in order for a transaction to achieve fruition. Fruition – it means “to bear fruit.” Another commonality among Settlement Service Providers is that your compensation depends on the transaction going to Settlement – now that, truly, is fruition. Therefore, it is critical that you find a circle of like-minded Settlement Service Providers to connect with; those who view their business as seriously as you view your business. At Stonewall Title, each Settlement is taken very seriously – we are all about fruition.

Now, let’s take this concept to the next level – growing your business. Each transaction that you have is like planting a seed to generate referrals – the fruit of future business. What does the choice of Title Service Providers have to do with future business? That is a simple a fruit pie. It has to do with your customer’s experience. Remember, Settlement is the last chance you have to show your customer a job well-done… and sometimes the last occasion to water those seeds. The Title Service Provider has the opportunity to assist in nurturing the seeds you have worked so hard to plant. Allow Stonewall Title to be a part of your circle of service providers – those who set you apart from the rest.

Contact Us

Feel free to call us anytime …

To place an Order
Discuss your Case
Ask Questions
Or just to say hello to a friendly face

Company Headquarters:
9300 Grant Avenue, Suite 102
Manassas, Virginia 20110

Phone: 703-330-8047
Toll Free: 888-219-2905
Fax: 703-330-7247

Residential Settlement Inquiries:
Jim Croson 703-330-8047 x201

Commercial Settlement Inquiries:
Mina Croson 703-369-2255 x704

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