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Happy Holidays from Cowlitz Title!
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Holiday Greetings from your friends at Cowlitz Title!


Judy and KathyThank you to everyone who attended the Harvest Open House at the office of Cowlitz Title.  It was great to see all of you enjoying yourselves and  giving the staff of Cowlitz Title the opportunity to visit with you in a much relaxed atmosphere. Congratulations to Diane Fulton of Walstead Mertsching who won the turkey, and to Judy Ainslie of the County Treasurer's office (pictured, right, with incoming County Treasurer Kathy Hanks)  who won the beautiful pine centerpiece.

At the close of yet another year, the staff of Cowlitz County Title pauses to wish you and your family a warm and happy holiday season.   During the year, Santa's helpers at Cowlitz Title have been busy producing accurate title reports and closing short sales, along with practicing their Christmas caroling.  Look for them at your office on December 23rd!


Sincerely -

Bianca Lemmons and the Cowlitz Title Staff

Is Santa Claus Real?
How will you answer?

SantaThis is a question that is on most children's lips at some point in their childhood.  What will you tell your child or grandchild when they ask if Santa Claus is real?   Visit this website  --  and also send a free special Christmas message to your child from Santa so that they know that the patron saint of giving still lives!

The Sad Truth About Foreclosures

Bianca Lemmons,

Although our local news media has been doing a good job of covering home foreclosures-they rightly have recognized the number of foreclosures as a major factor in our local real estate market.  As the Manager of Cowlitz County Title Company, I note that the local media sometimes fails to describe the Washington State foreclosure process.

An example of this is the scandal in some states where a lawsuit must be filed by the foreclosing lender, involving lenders who failed to do their foreclosure paperwork properly.  The local media fails to mention that Washington State is one of the majority of states that does not require a lender to file a lawsuit to foreclose on a defaulting borrower.  In our state, foreclosures are done, with rare exceptions, "non-judicially".  In this process, the defaulting borrower is given a Notice of Default, a Notice of Trustee's Sale is recorded at the Auditor's Office and later published twice in the newspaper, then an auction is held near the Cowlitz County courthouse by the foreclosure company or law firm that is hired by the lender to conduct the foreclosure.  No lawsuit is ever filed.

The question that many of you have asked is whether or not the Underwriter's decide not to insure transactions after some lenders have foreclosed?   Because of the differences in foreclosure processes described above, this decision doesn't affect Cowlitz County or Washington State.   Cowlitz County Title Co. continues to insure buyers of foreclosed properties, with the goal of helping the real estate market and our neighborhoods recover by getting the record number of foreclosures behind us and returning these houses to owners who will maintain their homes, mow the lawn, and help stabilize home prices.

The news concerning foreclosures has been bad for years now, and each foreclosure has a personal story of job loss or unexpected financial circumstances.  Because everyone in the community is affected by these foreclosures, it's critical that people facing foreclosure, or thinking of buying a foreclosed home, understand the process.

Cowlitz Title News
What's Happening In Our Office

NoahTitle Officer Dyann Crayne has a new addition in her family:  Noah Michael Anderson was born October 11, 2010, at 10:48 a.m. He was 6#11oz and has brown hair and dark blue eyes. (So far).

He is the son of Cody and Jaelyn Anderson and the grandson of Dave and Dyann Crayne (their 4th grandchild!) and Mike and Dina Buchanan.

Noah was born with a Congenital Diaphragmatic Hernia. Dyann says, "We have witnessed so many miracles in little Noah's life so far. Our prayer now is to have him home for Christmas."


Keep little Noah in your prayers for a holiday home with his family!

MBA Statistics
Rates and Trends
The Mortgage Bankers Association application statistics can be an interesting picture of what's going on in the real estate market.  Click here to view some of the most recent graphs.

Cowlitz Title Is Now On Facebook
Join Us Today!

Parade of Homes
Join us as a "friend" on Facebook and stay up-to-date on what's happening at CCT!

New Years Resolutions
How Do You Measure Up?

New Year's Eve has always been a time for looking back to the past, and more importantly, forward to the coming year. It's a time to reflect on the changes we want (or need) to make and resolve and to follow through on those changes. Did your New Year resolutions make our top ten list? Check out this list and see where you measure up.  

Kelso Longview Chamber Events

The "Holiday After Hours" is coming up on December 14th. Come early and stay late at the most popular networking event of the year!  Join us for an elegant evening of delicious food, great gift baskets, and plenty of opportunities to talk about your business.  Spend time promoting your business to a room filled with prospective clients.  Make your reservations today by contacting the Chamber at 423-8400.
lcc after hours
Take a minute to peruse the Chamber website and find out about upcoming events that could help you and your business!

Cowlitz Economic Development Commission
Cowlitz BizNet Begins!

Attention Cowlitz County Entrepreneurs,  Investors and Service Providers...  Are you interested in starting your own business?   If so, this event is for you.  Come join the first ever Cowlitz BizNet on December 7th, 2010.  Click here for more information.

Happy Birthday To You!

Dec. 2:  Tami Cheatley - Windermere

Dec. 2:  Peggy Dent - John L. Scott

Dec. 4:  Paul Thielen - Hometown Bank

Dec. 4:  Alan Engstrom

Dec. 7:  Lynn Frost - Windermere

Dec. 10:  Amanda Nipper - Prudential NW Prop.

Dec. 13:  Carissa Hooper - RE/MAX Premier

Dec. 15:  Angela Tover - C-21 R.E. Lund

Dec. 16:  Shelly Rinard - RE/MAX Premier

Dec. 16:  Anna Toteff - Treasurer's Office

Dec. 17:  Theresa Schmidt - Windermere

Dec. 21:  Kaye Sanders - Hometown Bank

Dec. 21:  Jason Meunier - Twin City Bank

Dec. 26:  Julia Davis - Coldwell Banker FR

Dec. 28:  Cheryl VanCleef - C-21 R.E. Lund

Dec. 28:  Cindy Parker - Twin City Bank

Dec. 28:  Sam Ellis - Rodman Realty

Dec. 30:  Debbie Peterson - RE/MAX Premier

Dec. 30:  Steve Larsen - Rodman Realty

Have we missed your birthday?  Please contact the office of Cowlitz title at 423-5330 to get you added to our birthday list.

"It is Christmas in the heart that puts Christmas in the air."

~W.T. Ellis

October Stats

Do you have questions?  Or is there something you'd like to see in the Title TidBits?  Just email [email protected]!