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Over the years, Carnanco Land Transfer has striven to make effective use of technology to not only improve our customer services, but also reduce our impact on the environment. We would like to expand our eco-friendly efforts and help our clients, contractors, colleagues and friends Go Green too. Below we share information, resources and trends to help you streamline your business and reduce your impact on the environment.
Online Presence and Ordering
We feel the most logical way to walk all of our clients, contractors, colleagues and associates through the technology available is to start at the beginning of transaction and carry it through to the end. Where better to start then with first contact? A web presence today is often a point of first contact with a customer or potential customer. A website can provide instant information about you, your company and your services in a low pressure, anonymous situation. As a green initiative, it can reduce or place your use of brochures. Simply hand out small business cards and direct potential customers to your website for more information. It can also provide a means of placing paperless orders.
To place an online order with CLT click here or browse this website for more information about us and our industry.
CLT’s sister company Carnanco, offers web and blog design services and much more.
Online Transaction Management System(OTMS)
Give your customers 24/7 access to closing documents, closing related events, closing party communications, and closing party contact information. Best of all, when you place a title order with Carnanco Land Transfer, you get access to their OTMS, ClosingSite, and all of its features, for free.
Real Estate Agents, Mortgage Companies, Insurance Agencies, Appraisers, Inspectors, and all other contributors to the closing process can utilize CLT’s ClosingSite to coordinate the closing of a property.
Get a consolidated view of the property information, closing parties, events, communications and documents in a simple and easy to use website. Closing parties can communicate through the site via email, fax, and message posts. Documents can be shared between parties. They can even be printed, signed, and resubmitted to the system via fax.
Often our clients make good use of ClosingSite to obtain title documents, but fail to realize it’s full potential for improving their own business efficiency, customer service and eco-friendly efforts. Contact us for FREE detailed help making full use of the features in ClosingSite to reduce your paper and courier use and improve your customer service.
Visit CLT’s OTMS
Remote Computer Access
What if you could solve some business problems and help the environment? Would you like to be able to access your work files, documents and software programs from any internet enabled computer with full security? With GoToMyPC you could work from home when it snows or when the kids are sick, handle emergencies while on vacation, and obtain a forgotten document at the closing table. Save the environment and gas money, use GoToMyPC to work from home one or two days a week.
Paperless and Cross Communication
Communication has come a long way from the days of correspondence by hand written letter. Standard phone, fax and email are common knowledge these days, but now the lines are being blurred. Faxes and voicemails can be delivered as emails, emails can be delivered to fax machines, phone calls can be made from computers and cable lines, video conferencing takes place with a web cam not a video phone, scanning a document can be achieved by faxing it, instant messaging can be done with a microphone, and so much more. Explore the wonders of cross communication to improve efficiency, customer service and paperless business. Below are just some of the companies offering cross-communication functions.
Vonage
Vonage started out as a VoIP or Voice over Internet Provider service. They still are and much more. Get unlimited phone calls, tons of phone features, fax lines, contact management, computer phone, voicemail to email, and more.
eFax
Since 1995, eFax® has offered leading-edge faxing solutions that save money, increase uptime, and maximize productivity. The best part is- It’s FREE! With your eFax Free account, you will get a non-local eFax number to receive faxes in your email.
After you see what eFax Free can do, upgrade to eFax Plus and get all the benefits of a local eFax number, plus the ability to send faxes. With an eFax Plus account, send a fax in three different ways: email it, use the eFax Messenger software to send it for you, or follow the step-by-step directions on the website to send it from anywhere you have an Internet connection.
Google Talk
Google Talk, currently in beta testing (as of May 2008), offers instant messaging, file transfers, email, and PC-to-PC calling.
Docuharbor
Docuharbor was built with the Real Estate Industry in mind. They have specifically addressed agent security concerns and have even created an interface template for Calyx. They offer a 30 day free trial, flat monthly fees for service, and free Toll Free numbers. Their Online Filing Cabinet allows you to receive and store all the documents for a transaction in a private and secure way. Everyone in the transaction has access to see only their documents 24 hours a day, 7 days a week.
Skype
Skype offers computer calling, video conferencing, and instant messaging - free and cheap.
Faxxis
Faxxis offers incoming & outgoing faxing solutions, email & online document management, local & toll free numbers just as the providers above. What sets Faxxis apart is their voicemail capabilities. With Faxxis you can retrieve your voicemail via email. It will be emailed to you as a wave file. Click on it to listen to your message and even save it your computer for future reference. But don’t worry, you can still retrieve the voicemails via phone too.
MaxEmail
MaxEmail offers internet fax and voicemail to email services.
eVoice Receptionist
eVoice Receptionist is a virtual phone system that gives your small business a professional big business sound without the expense and maintenance of a dedicated hardware system. Get a toll free number, multiple extensions and advanced call forwarding that routes your calls to any phone, mobile or land-line. Voicemails are sent to email and more. Get the professional sound today!
Fuze
Fuze, coming in Summer 2008, brings it all together. Get more done with FUZE - an easy-to-use, personalized communication service that lets you communicate and collaborate in any way, from anywhere, from your computer or mobile phone. Save time and money because its fast, there's no learning curve, no software to download or special equipment required. Plus, FUZE introduces powerful new ways to conference and collaborate with such features as Auto-Fetch and browser-based HD Video Collaboration. Features include: high-definition documents & powerpoint sharing, video conferencing, voicemail to text, address book sync, audio conferencing, instant messaging, and more.
eNotarization
The Electronic Notarization Initiative was established on January 30, 2006, to enhance economic development in Pennsylvania, and was the first of its kind in the nation. e-Notarization allows qualified Pennsylvania notaries public to perform notarizations electronically, in compliance with provisions of the amended Notary Public Law and the Uniform Electronic Transactions Act. In January 2008, the Pennsylvania Department of State eliminated the $40 registration fee. If you are a notary public, there is no reason not be registered as an eNotary. More Information and Registration.
Paperless Closings
The industry is moving, slowly, toward 100% paperless closings. Right now most lenders doing eClosings are using a hybrid system. Documents that need to be notarized are still being printed and signed in ink because some states are not yet on board with eNotarization. The rest of the documents are being digitally signed using a computer with internet access. The “signature” is done by means of passwords and clicking “I accept” buttons much like you do on websites now.
Professionals such as real estate agents and mortgage officers who hold closings in their office will need to consider putting computers with printers and internet access in their closing rooms.
For remote closings, the borrower may have a home computer with internet access which can be used to facilitate these closings. Otherwise, it will be up to the closing agent to provide the necessary equipment. Below we’ll discuss various types of technology and how they can be used in a remote paperless closing.
Laptop
Since laptops are a common piece of technology I will not go into too much detail here. If you are looking to buy one, you’ll want to make sure it has wireless networking. Another thing to consider is a tablet computer. Tablets are identical to laptops accept they have a touch sensitive screen that can be written on, much like a Blackberry. The benefit of this technology in a closing situation is two fold. First of all the screen rotates which could make viewing the documents for multiple people easier. Second of all, it may allow for signing documents directly on the screen. This second benefit would depend on the software for the documents and whether or not the functions are compatible.
Internet Access
Internet access options for mobile notaries include wireless networking capability in your laptop so you can access private wireless internet networks and public Wi-Fi hotspots or a cell phone card. This article from PC World will provide more information about accessing the internet via cell networks.
We may see a trend of conducting closings in public locations that offer Wi-Fi hotspots when borrowers are unable provide internet access. In these cases, it may be up to the notary closer to suggest local locations that would be suitable. Look up Hotspots here.
Having a dialup connection will most likely be too slow.
More information about Wireless Internet Access
Signing Pads
Some lenders and title companies will require digital signatures be obtained via the use of a signature pad.
Enjoa is recommended by the National Notary Association.
Encomia ePad Store
We do not recommend our notary closers purchase a signing pad - yet. We are currently researching the options and what my be required by the lenders we will do business with. This section will be updated when we have more information.
Training
Free eSign Webinar Training
Additional Information and education
eRecording
Recorder's Offices around the country are beginning the implementation of electronic recording. With these systems, documents are received, signed, notarized and sent to the Recorder’s office electronically. All recording requirements would have to be present, including the document image, a digital signature and a digital notary. Once a digital document is properly signed and notarized, payment is calculated and the document is sent via the internet. At the recorder’s the document goes through the same process as a paper document. It is checked for compliance, the payment is checked for accuracy and accepted, the recorder’s endorsement is added, along with the document identification number, and a receipt is generated. Next the document is indexed, the image is stored and the original is returned to the sender. The whole process which typically required many people and many days or weeks, now requires minimal human intervention and can be completed in less than a day.
The cost and time saving benefits to eRecording effect all parties from the Recorder and its taxpayers to the title companies and lenders. Other benefits include reduced document errors, reduced payment errors, and reduced overnight costs.
Companies facilitating eRecording:
Simplifile
Landata
Consulting
Carnanco Land Transfer and it’s sister company, Carnanco, would be happy to talk with you and help devise eco-friendly business solutions for your company, for free and/or affordable rates. Contact us for specific information.
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