HomeMy WebLinkAboutSDP 2018-0011; GOMEZ RENOVATION; Site Development Plan (SDP){city of
Carlsbad
-
LAND USE REVIEW
APPLICATION
P-1
Development Services
Planning Division
1635 Faraday Avenue
(760) 602-4610
www.carlsbadca.gov
APPLICATIONS APPLIED FOR: (CHECK BOXES)
Development Permits
D Coastal Development Permit
D Conditional Use Permit
D Minor D Extension
D Day Care (Large)
OMinor
D Environmental Impact Assessment
D Habitat Management Permit D Minor
D Hillside Development Permit D Minor
D Nonconforming Construction Permit
D Planned Development Permit O Minor
D Residential D Non-Residential
D Planning Commission Determination
D Reasonable Accommodation
J;2S Site Development Plan D Minor
D Special Use Permit
D Tentative Parcel Map (Minor Subdivision)
D Tentative Tract Map (Major Subdivision)
~ Variance ~ Minor
(FOR DEPT. USE ONLY) Legislative Permits
stPJo'!." 0 \\ _
IV u, II>-oool
D General Plan Amendment
D Local Coastal Program Amendment
D Master Plan D Amendment
D Specific Plan
D Zone Change
•Amendment
D Zone Code Amendment
South Carlsbad Coastal Review Area
Permits
D Review Permit
D Administrative D Minor D Major
Village Review Area Permits
D Review Permit
D Administrative D Minor D Major
(FOR DEPT. USE ONLY)
NOTE: A PROPOSED PROJECT REQUIRING APPLICATION SUBMITTAL MUST BE SUBMITTED BY APPOINTMENT". PLEASE CONTACT THE APPOINTMENT SPECIALIST
AT (760) 602~2723 TO SCHEDULE AN APPOINTMENT.
ASSESSOR PARCEL NO(S):
LOCATION OF PR3'lgf B
NAME OF PROJECT:
BRIEF DESCRIPTION OF
PROJECT:
PROJECT VALUE
(SITE IMPROVEMENTS)
FOR CITY USE ONLY
Development No. p€ V 2o I B -0 I O ~
P-1
*SAME DAY APPOINTMENTS ARE NOT AVAILABLE
(STREET ADDRESS)
Ped,_9vA-rl ot,._
ESTIMATED COMPLETION DATE
Lead Case No.
Page 1 of6
12.-1-11r
Revised 03/17
..
OWNER NAME
INDIVIDUAL NAME
(if applicable):
COMPANY NAME
(if applicable):
-
(PLEASE PRINT)
/1 JCI/A1t? q-12tne-2
MAILING ADDRESS: ~---~"''F__,f,_,/3"', '----='{,lf,ff)'--"-'={-"'Ga=-=-M..--"---
CITY, STATE, ZIP: Clf145A1'0 fUDS?
TELEPHONE: fl,0 "'rO'o '12 12.
EMAILADDREss: ,Stllt&!JK tfil e (;t«,tt,
APPLICANT NAME (PLEASE PRINT)
INDIVIDUAL NAME
(if applicable): D~ µ;Jt:/jt/t:)}c.v
COMPANY NAME T
(if applicable): i),l,{,t: /.IV C--
MAILING ADDRESS-~: _,3~.,5$Q~?°it' :._1t!l,,....e5,~-~,~DILJ.~~±!D!L_~~
CITY, STATE, ZIP: ~t~B-fV ot q,,4:;1
TELEPHONE: &,{.-:Jy' $f? 2 4' Z-31/
EMAIL ADDRESS:
I CERTIFY THAT I AM THE LEGAL OWNER AND THAT ALL THE ABOVE I CERTIFY THAT I AM THE LEGAL REPRESENTATIVE OF THE OWNER
INFORMATION IS TRUE AND CORRECT TO THE BEST OF MY AND THAT ALL THE ABOVE INFORMATION IS TRUE AND CORRECT TO
KNOWLEDGE. I CERTIFY AS LEGAL OWNER THAT THE APPLICANT AS THE BEST OF MY KNOWLEDGE.
SET FORTH R N IS MY AUTHORIZED REPRESENTATIVE FOR
PUR ES O T S APPLICATION.
DATE
APPLICANTS REPRESENTATIVE (Print):
MAILING ADDRESS:
CITY, STATE, ZIP:
TELEPHONE:
EMAIL ADDRESS:
E REPRESENTATIVE OF THE APPLICANT FOR
APPLICATION AND THAT ALL THE ABOVE
UE AND CORRECT TO THE BEST OF MY
s
IN THE PROCESS OF REVIEWING THIS APPLICATION IT MAY BE NECESSARY FOR MEMBERS OF CITY STAFF, PLANNING
COMMISSIONERS OR CITY COUNCIL MEMBERS TO INSPECT AND ENTER THE PROPERTY THAT IS THE SUBJECT OF THIS
APPLICATION. I/WE CONSENT TO ENTRY FOR THIS PURPOSE.
NOTICE OF RESTRICTION: PROPERTY OWNER ACKNOWLEDGES AND CONSENTS TO A NOTICE OF RESTRICTION BEING
RECORDED ON THE TITLE TO HIS PROPERTY IF CONDITIONED FOR THE APPLICANT NOTICE OF RESTRICTIONS RUN WITH
THE LAND AND BIND ANY SUCCESSORS IN INTEREST
PROPERTY OWNER SIGNATURE
FOR CITY USE ONLY
P-1 Page 2 of6
RECEIV[D
MAY 3 0 2018
CITY OF CAF~L.:0.f,/\D
DA tE%~·¼JsM_1elA Vl~cE1vED
RECEIVED BY:
Revised 03/17
{city of
Carlsbad
DISCLOSURE STATEMENT
P-1(A)
Development Services
Planning Division
1635 Faraday Avenue
(760) 602-4610
www.carlsbadca.gov
Applicant's statement or disclosure of certain ownership interests on all applications which will
require discretionary action on the part of the City Council or any appointed Board, Commission
or Committee.
The following information MUST be disclosed at the time of application submittal. Your project
cannot be reviewed until this information is completed. Please print.
Note:
Person is defined as "Any individual, firm, co-partnership, joint venture, association, social club, fraternal
organization, corporation, estate, trust, receiver, syndicate, in this and any other county, city and county,
city municipality, district or other political subdivision or any other group or combination acting as a unit."
Agents may sign this document; however, the legal name and entity of the applicant and property owner
must be provided below.
1. APPLICANT (Not the applicant's agent)
Provide the COMPLETE, LEGAL names and addresses of ALL persons having a
financial interest in the application. If the applicant includes a corporation or partnership,
include the names, titles, addresses of all individuals owning more than 10% of the
shares. IF NO INDIVIDUALS OWN MORE THAN 10% OF THE SHARES, PLEASE
INDICATE NON-APPLICABLE (N/A) IN THE SPACE BELOW. If a publicly-owned
corporation, include the names, titles, and addresses of the corporate officers. (A
separate e may be attache if n c ssary.)
Person · t:>--~ . /IC_,), Corp/Part. ___________ _
Title ~ Title. ____________ _
Address :?~ ~)2.,frfi) Jv'..IJ/ Address. __________ _
e,A"!Z&iki) v'f-f ZcK
2. OWNER (Not the owner's agent)
P-1(A)
Provide the COMPLETE, LEGAL names and addresses of ALL persons having any
ownership interest in the property involved. Also, provide the nature of the legal
ownership (i.e., partnership, tenants in common, non-profit, corporation, etc.). If the
ownership includes a corporation or partnership. include the names, titles, addresses of
all individuals owning more than 10% of the shares. IF NO INDIVIDUALS OWN MORE
THAN 10% OF THE SHARES, PLEASE INDICATE NON-APPLICABLE (N/A) IN THE
SPACE BELOW. If a publicly-owned corporation, include the names, titles, and
addresses of the corporate officers. (A separate page may be attached if necessary.)
Person ;1({ /¥tl-t; t:J "4 t;---Z.
Title 1A<'0'C--
Address '3/PlB ,el17.)/So,,,__,
/.A12t5JH1) cA:--
Corp/Part. ___________ _
Title, _____________ _
Address. ____________ _
Page 1 of 2 Revised 07 /1 o
... . ,_,,'
3. NON-PROFIT ORGANIZATION OR TRUST
If any person identified pursuant to (1) or (2) above is a nonprofit organization or a trust,
list the names and addresses of ANY person serving as an officer or director of the non-
profit. organization or as trustee or beneficiary of the.
Non Profitrrrust________ Non Profitrrrust _________ _
Title Title --------------------------
Address Address ------------------------
4. Have you had more than $500 worth of business transacted with any member of City
staff, Boards, Commissions, Committees and/or Council within the past twelve (12)
months?
0 Ye:faNo If yes, please indicate person(s): ___________ _
NOTE: Attach additional sheets if necessary.
e above information is true and correct to the best
Print or type name of owner
Signature of owner/applicant's agent if applicable/date
Print or type name of owner/applicant's agent
P-1 (A) Page 2 of 2 Revised 07/10
(city of
Carlsbad
PROJECT DESCRIPTION
P-1(8)
Development Services
Planning Division
1635 Faraday Avenue
(760) 602-4610
www.carlsbadca.gov
APPLICANT NAME: j);rr2f2.l2µ ~ ~ftt,(,.S~
Please describe fully the proposed pro·ect b r . adequately explain the scope and/or ~peratio~Pi/~:!'on type. lnclu_de any details neces_sary to
any background information and supportin st t proposed proJect. You may also include
appropriateness of, the application Use an ad~enda emhentst _fregarding the reasons for, or · um s ee I necessary.
Description/Explanation:
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P-1(8) Page 1 of 1 Revised 0711 O
{city of
Carlsbad
HAZARDOUS WASTE
AND SUBSTANCES
STATEMENT
P-1(C)
Development Services
Planning Division
1635 Faraday Avenue
(760) 602-4610
www.carlsbadca.gov
Consultation of Lists of Sites Related to Hazardous Wastes
(Certification of Compliance with Government Code Section 65962.5)
Pursuant to State of California Government Code Section 65962.5, I have consulted the
Hazardous Waste and Substances Sites List compiled by the California Environmental
Protection Agency and hereby certify that (check one):
JZl The development project and any alternatives proposed in this application are not contained on the
lists compiled pursuant to Section 65962.5 of the Stale Government Code.
D The development project and any alternatives proposed in this application ~ contained on the lists
compiled pursuant to Section 65962.5 of the State Government Code.
APPLICANT
Name: P.,lt) Jl.,~ tfMr.f/1,(t>., Ky
Address: 3JiV k: (:.u:<, /A-vO 7
C![/21,k krO :0: tf z,_,._..,£
Phone Number: kO f l/~2 f/ Z.3'/
PROPERTY OWNER
Name: fi'/ Jt.e-{to fl/E?/--Z.
Address: R!hy' B µlrpUon....
CA-f2tS/tt1J f;n,~
Phone Number: __________ _
Address of Site: BJff B Mlc-01~/J,'V
Local Agency (City and County): L../112.C.£ 1?YtO ,$ ,f-,</ J>/ J'ffzt> --======-'-'"'-.,,., __ ...,.,...:L:........--!!!CL-"-',<=-=------
Assessor's book, page, and parcel number:_~Zf)~_o/,__-~v~<p'j~· -1----~Q~'ii~O~Q~----
Specify list(s): _____________________________ _
Regulatory Identification Number: _______________________ _
Date of List: ______________________________ _
Property Owner Signature/Date
The Hazardous Waste and Substances Sites List (Cortese List) is used by the State, local
agencies and developers to comply with the California Environmental Quality Act requirements
in providing information about the location of hazardous materials release sites.
P-1 (C) Page1of2 Revised 02/13
JUSTIFICATION FOR VARIANCE
By law a Variance may be approved only if certain facts are found to exist. Please read these requirements
carefully and explain how the proposed project meets each of these facts. Use additional sheets if necessary.
1. Explain what special circumstances are applicable to the subject property, including size, shape, topography,
location or surroundings, whereby the strict application of the zoning ordinance deprives such property of
privileges enjoyed by other property in the vicinity and under identical zoning classification:
[ltl! 9-,a.-a.,. I.. pa,,-,: l, I t,v I ,!_, ft, l'!J. Tft1s .,h·u1-IS
l.fl:r2. f? ,:,,r TfM,V -zs-' rtm p.,d12cc '-I> ';!!, I , . l_"1 Co r ~2" ,-~,_}-, :~ ' 7 ' , \ J "5.. I (..e,. H,,. ..... t. t A-1(..,,...c, ck12-?~"= lLl7 V l f) /3.e-lo/2-PS~lb~
2. Explain why the granting of the variance does not constitute a grant of special privileges inconsistent with the
limitations upon other properties in the vicinity and zone in which the subject property is located and is subject
to any conditions necessary to assure compliance with this finding:
Jltt~ {A,Qv L-0 R,e. .A-W1 ,,,, r J /AJ2:I ,f-YI C C. QfP;f'/2/?Jr , •nfc:,,
t;' S,<. OM'!-I-< -·,V t • ? *' .,,f-r/(J ,_.._, I "1 f
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r Bt/4 tv-<_ ~ an,;. Fo ""i,,<--!, e >L,e v, .o,._.s du~ I.) ?et7l..f/fflc c5 I '
3. Explain why the granting of the variance does not authorize a use or activity which is not otherwise expressly
authorized by the zone regulation governing the subject property:
IS ,2. 30 7 2.
77 /'l::21,L ' / 5
__ ,,V~~0 __ __,..1,?~1 ·.c,>',-,12~CJ~rt-~. _i __ _,,t ... -~~~"'--+f'._:.<..~--~fv~--A-~ __ -z-_~,p_,_~ ___ O~r_c._-~> ~--,,
Q ,1 1/ 7nw-c 1 /Jc_ )~2p ~e.-[1)5(.;{cs.
4. Explain why the granting of the variance is consistent with the general purpose and intent of the General Plan
and any applicable specific or Master Plans:
o+-
5. If located within the coastal zone, explain why the variance is consistent with and implements the
requirements of the certified local coastal program and that the variance does not reduce or in any manner
adversely affect the protection of coastal resources.
P-4 Page 4 of 4 Revised 04/15
' ...
'
Title Contact lnfonnation:
WFG National Title Company of California
9665 Granite Ridge Drive Suite 430
San Diego, CA 92123
Phone: (858) 805-0988
E-mail: teamjerry@wfgtitleco.com
Title Officer: Jerry Digdigan / Matthew Dishman
Order No.: 18-176824
Property Address:
3159 Madison Street
Cartsbad, CA 92008
APN: 204-084-05-00
In response to the above referenced application for a policy of title insurance, WFG National Title Insurance Company hereby
reports that it is prepared to issue, or cause to be issued, as of the date hereof, a Policy or Policies of Title Insurance of
describing the land and the estate or interest therein hereinafter set forth, insuring against loss which may be sustained by
reason of any defect, lien, or encumbrance not shown or referred to as an Exception below or not excluded from coverage
pursuant to the printed Schedules, Conditions and Stipulations of said Policy forms.
The printed Exceptions and Exclusions from the coverage and Limitations on Covered Risks of said policy or policies are set
forth in Exhibit One attached. The policy to be issued may contain an arbitration clause. When the Amount of Insurance is
less than that set forth in the arbitration clause, all arbitrable matters shall be arbitrated at the option of either the Company or
the Insured as the exclusive remedy of the parties. Limitations on Covered Risks applicable to the CL TA and ALTA
Homeowners Policies of Title Insurance which establish a Deductible Amount and a Maximum Dollar Limit of Liability for
certain coverages are also set forth in Exhibit One. Copies of the policy forms should be read. They are available from the
office which issued this report.
Please read the exceptions shown or referred to below and the exceptions and exclusions set forth in Exhibit One of
this report carefully. The exceptions and exclusions are meant to provide you with notice of matters which are not
covered under the tenns of the title insurance policy and should be carefully considered.
It is important to note that this preliminary report is not a written representation as to the condition of title and may not list all
liens, defects, and encumbrances affecting title to the land. This report (and any supplements or amendments hereto) is
issued solely for the purpose of facilitating the issuance of a policy of title insurance and no liability is assumed hereby. If it is
desired that liability be assumed prior to the issuance of a policy of title insurance, a Binder or Commitment should be
requested.
The form of policy or policies of title insurance contemplated by this report is/are:
AL TA® HomeOWner's Policy (12-02-13)
Issued by WFG National Title Insurance Company
Dated as of: May 4, 2018 at 7:30 am
The estate or interest in the land hereinafter described or referred to covered by this Report is:
A Fee
Title to said estate or interest at the date hereof is vested in:
Michael T. Gomez, a single man
The land referred to in this report is situated in the State of California, County of San Diego, and is described as follows:
SEE ATTACHED EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF
WFG Fom, No. 3151600 Cl TA Preliminary Report Form (06-05-14)
Page1of11
EXHIBIT "A"
LEGAL DESCRIPTION
Order No.: 18-176824
THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE COUNTY OF SAN DIEGO, STATE OF
CALIFORNIA AND IS DESCRIBED AS FOLLOWS:
LOT 25 IN BLOCK 40 OF THE TOWN OF CARLSBAD AMENDED, IN THE CITY OF CARLSBAD, COUNTY OF
SAN DIEGO, STATE OF CALIFORNIA, ACCORDING TO MAP THEREOF NO. 775, FILED IN THE OFFICE OF
THE COUNTY RECORDER OF SAN DIEGO COUNTY.
APN: 204-084-05-00
WFG Form No. 3151600 Cl TA Preliminary Report Form (06-05-14)
Page2of11
Order No.: 18-176824
At the date hereof exception to coverage In addition to the printed Exceptions and Exclusions In said policy form
would be as follows:
1 a. General and special taxes and assessments for the fiscal year 2018-2019, a lien not yet due or payable.
1 b. General and Special City and/or County taxes, including any personal property taxes and any
assessments collected with taxes, for the fiscal year 2017-2018:
1st Installment:
2nd Installment:
APN.:
Code Area:
$3,416.84, Paid
$3,416.84, Paid
204-084-05-00
09000
1c. The lien of supplemental taxes, if any, assessed pursuant to Chapter 3.5 commencing with Section 75 of
the California Revenue and Taxation Code.
1d. Assessments, for community facility districts, if any, affecting said land which may exist by virtue of
assessment maps or notices filed by said districts.
2. Water rights, claims or title to water, whether or not shown by the public records.
3. Any and all offers of dedication, conditions, restrictions, easements, fenceline/boundary discrepancies,
notes and/or provisions shown or disclosed by the filed or recorded map referred to in the legal
description.
4. A deed of trust to secure an indebtedness in the amount shown below, and any other obligations secured
thereby:
Amount:
Dated:
Truster:
Trustee:
Beneficiary:
Lender:
Recorded:
Instrument No.:
$618,750.00
December 14, 2017
Michael T. Gomez, a single man
Allan B. Polunsky
Mortgage Electronic Registration Systems, Inc.
PrimeLending, a PlainsCapital Company., a Corporation
December 19, 2017
2017-0594193, of Official Records.
5. Any defects, liens, encumbrances or other matters which name parties with the same or similar names
as:
Michael T. Gomez
The name search necessary to ascertain the existence of such matters has not been completed. In
order to complete this preliminary report or commitment, we will require a statement of information.
END OF EXCEPTIONS
WFG Form No. 3151600 CLTA Preliminary Report Form (06-05-14)
Page3of11
Req. No. 1.
Req. No. 2.
Order No.: 18-176824
REQUIREMENTS
Statements of information from all parties to the transaction.
A deed from the spouse of Michael T. Gomez, if any, or any married vestee herein be recorded
in the public records, or the joinder of the spouse of any married vestee named herein on any
conveyance, encumbrance or lease to be executed by the vestee.
The deed should contain the following statement:
II is the express intent of the granter, being the spouse of the grantee, to convey all right, title
and interest of the granter, community or otherwise, in and to the herein described property to
the grantee as his/her sole and separate property.
WFG Fonn No. 3151600 Cl TA Preliminary Report Form (06-05-14)
Page 4 of 11
Order No.: 18-176824
NOTES
This report does not reflect requests for notice of default, requests for notice of delinquency, subsequent
transfers of easements, and similar matters not germane to the issuance of the policy of title insurance
anticipated hereunder.
Note 1: If this company is requested to disburse funds in connection with this transaction, Chapter 598 of
1989 Mandates of the California Insurance Code requires hold periods for checks deposited to
escrow or sub-escrow accounts. Such periods vary depending upon the type of check and anticipated
methods of deposit should be discussed with the escrow officer.
Note 2: No endorsement issued in connection with the policy and relating to covenants, conditions or
restrictions provides coverage for environmental protection.
Note 3: Special recordings: Due to a severe budget shortfall, many county recorders have announced that
severe limitations will be placed on the acceptance of "special recordings."
Note 4: Homeowners association: if the property herein described is subject to membership in a homeowners
association, it will become necessary that we be furnished a written statement from the said
homeowners association of which said property is a member, which provides that all liens, charges
and/or assessments levied on said land have been paid. Said statement should provide clearance up
to and including the time of closing. In order to avoid unnecessary delays at the time of closing, we
ask that you obtain and forward said statement at your earliest convenience.
Note 5: Demands: This Company requires that all beneficiary demands be current at the time of closing. If the
demand has expired and a current demand cannot be obtained it may be necessary to hold money
whether payoff is made based on verbal figures or an expired demand.
Note 6: Line of credit payoffs: If any deed of trust herein secures a line of credit, we will require that the
account be frozen and closed and no additional advances be made to the borrower. If the beneficiary
is unwilling to freeze the account, we will require you submit to us all unused checks, debit vouchers,
and/or credit cards associated with the loan along with a letter (affidavit) signed by the truster stating
that no additional advances will be made under the credit line. If neither of the above is possible, it will
be necessary to hold any difference between the demand balance and the maximum available credit.
Note 7: Maps: The map attached hereto may or may not be a survey of the land depicted thereon. You should
not rely upon it for any purpose other than orientation to the general location of the parcel or parcels
depicted. WFG National Title Company of California expressly disclaims any liability for alleged loss
or damages which may result from reliance upon this map.
Note 8: In the event of cancellation or if the transaction has not closed within 90 days from the date hereof,
the rate imposed and collectable shall be a minimum of $360.00, pursuant to Section 12404 of the
Insurance code, unless other provisions are made.
Note 9: A Preliminary Change of Ownership Report (PCOR) must be filed with each conveyance in the
County Recorder's office for the county where the property is located. If a document evidencing a
change in ownership is presented to the Recorder for recordation without the concurrent filing of a
PCOR, the Recorder may charge an additional recording fee of twenty dollars ($20). State law also
provides for a penalty of be levied if the Change of Ownership Report is not returned to the Assessor
within a timely filing period. The penalty for failure to file a Change in Ownership Statement is $100 or
10% of the new tax bill, whichever is greater, but not to exceed $2,500.
Note 1 0: As to any and all covenants and restrictions set forth herein, the following is added: "but omitting any
covenant, condition or restriction indicating a preference, limitation or discrimination based on race,
color, religion, sex, sexual orientation, familial status, disability, handicap, national origin, genetic
information, gender, gender identity, gender expression, marital status, source of income (as defined
in subdivision (p) of Section 12955), or ancestry, that restriction violates state and federal fair housing
laws and is void, and may be removed pursuant to Section 12956.2 of the Government Code, to the
extent such covenants, conditions or restrictions violate Title 42, Section 3604(c), of the United States
Codes or Section 12955 of the California Government Code. Lawful restrictions under state and
federal law on the age of occupants in senior housing or housing for older persons shall not be
construed as restrictions based on familial status."
1/1/FG Form No. 3151600 CLTA Preliminary Report Form (06-05-14)
Page5of11
Order No.: 18-176824
Note 11: This report is preparatory to the issuance of an AL TA Loan Policy. We have no knowledge of any fact
which would preclude the issuance of the policy with CLTA Endorsement forms 100, 116 or 116.01
and if applicable, 115 and 116.02 attached.
When issued, the CLTA endorsement form 116, 116.01 or 116.02, if applicable will reference
Multi Family Residence
known as
3159 Madison Street, City of Carlsbad, County of San Diego, California
Note 12: The only conveyances affecting said land which recorded within twenty-four (24) months of the date
of this report are:
Grant Deed
Grantor(s):
Grantee(s):
Dated:
Recorded Date:
Recording No:
Comments:
WFG Form No. 3151600
Michael Gomez, a single man, as to an undivided 50.00% interest
and Gerardo Gomez and Abigail Gomez, husband and wife as joint
tenants, as to an undivided 50.00% interest, all as tenants in
common
Michael T. Gomez, a single man
December 7, 2017
December 19, 2017
(instrument) 2017-0594192, of Official Records
View Image
Cl TA Preliminary Report Form (06-05-14)
Page6of11
-,., .....
Exhibit One (Rev. 06-15-14)
CLTA STANDARD COVERAGE POLICY-1990 (4-8-14)
EXCLUSIONS FROM COVERAGE
Order No.: 18-176824
The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys'
fees or expenses which arise by reason of:
1. (a)
(b)
Any law, ordinance or governmental regulation (including but not limited to building or zoning laws, ordinances, or
regulations) restricting, regulating, prohibiting or relating (i) the occupancy, use, or enjoyment of the land; (ii) the
character, dimensions or location of any improvement now or hereafter erected on the land; (iii) a separation in
ownership or a change in the dimensions or area of the land or any parcel of which the land is or was a part; or (iv)
environmental protection, or the effect of any violation of these laws, ordinances or governmental regulations, except to
the extent that a notice of the enforcement thereof or a notice of a defect, lien, or encumbrance resulting from a violation
or alleged violation affecting the land has been recorded in the public records at Date of Policy.
Any governmental police power not excluded by (a) above, except to the extent that a notice of the exercise thereof or
notice of a defect, lien or encumbrance resulting from a violation or alleged violation affecting the land has been recorded
in the public records at Date of Policy.
2. Rights of eminent domain unless notice of the exercise thereof has been recorded in the public records at Date of Policy, but not
excluding from coverage any taking which has occurred prior to Date of Policy which would be binding on the rights of a purchaser
for value without knowledge.
3. Defects, liens, encumbrances, adverse claims or other matters:
(a) whether or not recorded in the public records at Date of Policy, but created, suffered, assumed or agreed to by the
insured claimant;
(b) not known to the Company, not recorded in the public records at Date of Policy, but known to the insured claimant and
not disclosed in writing to the Company by the insured claimant prior to the date the insured claimant became an insured
under this policy;
(c) resulting in no loss or damage to the insured claimant:
(d) attaching or created subsequent to Date of Policy; or
(e) resulting in loss or damage which would not have been sustained if the insured claimant had paid value for the insured
mortgage or for the estate or interest insured by this policy.
4. Unenforceability of the lien of the insured mortgage because of the inability or failure of the insured at Date of Policy, or the inability
or failure of any subsequent owner of the indebtedness, to comply with the applicable doing business laws of the state in which the
land is situated.
5. Invalidity or unenforceability of the lien of the insured mortgage, or claim thereof, which arises out of the transaction evidenced by
the insured mortgage and is based upon usury or any consumer credit protection or truth in lending law.
6. Any claim, which arises out of the transaction vesting in the insured the estate of interest insured by this policy or the transaction
creating the interest of the insured lender, by reason of the operation of federal bankruptcy, state insolvency or similar creditors'
rights laws.
EXCEPTIONS FROM COVERAGE-SCHEDULE B, PART I
This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise by reason
of:
1. Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or
assessments on real property or by the public records.
Proceedings by a public agency which may result in taxes or assessments, or notices of such proceedings, whether or not shown
by the records of such agency or by the public records.
2. Any facts, rights, interests, or claims which are not shown by the public records but which could be ascertained by an inspection of
the land which may be asserted by persons in possession thereof.
3. Easements, liens or encumbrances, or claims thereof, which are not shown by the public records.
4. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct survey would
disclose, and which are not shown by the public records.
5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water
rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are shown by the public records.
6. Any lien or right to a lien for services, labor or material not shown by the public records.
WFG Form No. 3151600 Cl TA Preliminary Report Form (06-05-14)
Page7of11
,,..
'
CL TA/ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE (12-02-13)
EXCLUSIONS
Order No.: 18-176824
In addition to the Exceptions in Schedule B, You are not insured against loss, costs, attorneys' fees, and expenses resulting from:
1. Governmental police power, and the existence or violation of those portions of any law or government regulation concerning:
(a) building:
(b) zoning;
(c) land use;
(d) improvements on the Land;
(e) land division; and
(f) environmental protection.
This Exclusion does not limit the coverage described in Covered Risk 8.a., 14, 15, 16, 18, 19, 20, 23 or 27.
2. The failure of Your existing structures, or any part of them, to be constructed in accordance with applicable building codes. This
Exclusion does not limit the coverage described in Covered Risk 14 or 15.
3. The right to take the Land by condemning it. This Exclusion does not limit the coverage described in Covered Risk 17.
4. Risks:
(a) that are created, allowed, or agreed to by You, whether or not they are recorded in the Public Records;
(b) that are Known to You at the Policy Date, but not to Us, unless they are recorded in the Public Records at the Policy Date;
{c) that result in no loss to You; or
(d) that first occur after the Policy Date• this does not limit the coverage described in Covered Risk 7, 8.e., 25, 26, 27 or 28.
5. Failure to pay value for Your Title.
6. Lack of a right: (a) to any land outside the area specifically described and referred to in paragraph 3 of Schedule A; and (b) in streets,
alleys, or waterways that touch the Land. This Exclusion does not limit the coverage described in Covered Risk 11 or 21.
7. The transfer of the Title to You is invalid as a preferential transfer or as a fraudulent transfer or conveyance under federal bankruptcy,
state insolvency, or similar creditors' rights laws.
8. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake or subsidence.
9. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances.
LIMITATIONS ON COVERED RISKS
Your insurance for the following Covered Risks is limited on the Owner's Coverage Statement as follows:
• For Covered Risk 16, 18, 19, and 21 Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A.
The deductible amounts and maximum dollar limits shown on Schedule A are as follows:
Covered Risk 16:
Covered Risk 18:
Covered Risk 19:
Covered Risk 21:
Your Deductible Amount
1% of Policy Amount Shown in Schedule A or $2,500
(whichever is less)
1 % of Policy Amount Shown in Schedule A or $5,000
(whichever is less)
1 % of Policy Amount Shown in Schedule A or $5,000
(whichever is less)
1% of Policy Amount Shown in Schedule A of $2,500
(whichever is less)
Our Maximum
Dollarlimit of Liability
$10.000.00
$25.000.00
$25.000.00
$ 5.000.00
2006 ALTA LOAN POLICY (06/17/06))
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys'
fees or expenses which arise by reason of:
1. (a) Any law, ordinance or governmental regulation (including those relating to building and zoning) restricting, regulating,
prohibiting or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions or location of any improvement erected on the Land;
(iii) the subdivision of land; or
(iv) environmental protection,
or the effect of any violation of these laws, ordinances or governmental regulations. This Exclusion 1 (a) does not modify
or limit the coverage provided under Covered Risk 5.
WFG Form No. 3151600 CLTA Preliminary Report Form (06·05-14)
Page8of11
Order No.: 18-176824
(b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk
6.
2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8.
3. Defects, liens, encumbrances, adverse claims or other matters:
(a) created, suffered, assumed or agreed to by the Insured Claimant
(b) not Known to the Company, not recorded in the public records at Date of Policy, but Known to the Insured Claimant and
not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an
insured under this policy:
(c) resulting in no loss or damage to the Insured Claimant;
(d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under
Covered Risk 11,13, or 14); or
(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured
Mortgage.
4. Unenforceability of the lien of the Insured Mortgage because of the inability or failure of the Insured to comply with applicable
doing-business laws of the state in which the land is situated.
5. Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by
the Insured Mortgage and is based upon usury or any consumer credit protection or truth in lending law.
6. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction
creating the lien of the Insured Mortgage, is
(a) a fraudulent conveyance or fraudulent transfer, or
(b) a preferential transfer for any reason not stated in covered Risk 13(b) of this policy ..
7. Any lien on the Tille for real estate taxes or assessments imposed by governmental authority and created or attaching between
Date of Policy and the date of recording of the Insured Mortgage in the Public Records. This Exclusion does not modify or limit the
coverage provided under covered Risk 11(b).
The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from
Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage:
EXCEPTIONS FROM COVERAGE
Except as provided in Schedule B -Part II, this policy does not insure against loss or damage (and the Company
will not pay costs, attorneys' fees or expenses) which arise by reason of:
1. (a)
PART1
Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or
assessments on real property or by the Public Records;
(b) Proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not
shown by the records of such agency or by the Public Records.
2. Any facts, rights, interests or claims that are not shown by the Public Records but that could be ascertained by an inspection of the
Land or that may be asserted by persons in possession of the Land.
3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records.
4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an
accurate and complete land survey of the Land and not shown by the Public Records.
5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water
rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are shown by the Public Records
6. Any lien or right to a lien for services, labor or material not shown by the Public Records.
PART II
In addition to the matters set forth in Part I of this Schedule, the Title is subject to the following matters, and the Company insures against
loss or damage sustained in the event that they are not subordinate to the lien of the Insured Mortgage:]
2006 ALTA OWNER'S POLICY (06/17/06)
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys'
fees or expenses which arise by reason of:
1. (a) Any law, ordinance or governmental regulation (including those relating to building and zoning) restricting, regulating,
prohibiting or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions or location of any improvement erected on the Land;
(iii) the subdivision of land; or
(iv) environmental protection;
or the effect of any violation of these laws, ordinances or governmental regulations. This Exclusion 1 (a) does not modify
or limit the coverage provided under Covered Risk 5.
(b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk
6.
2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8.
3. Defects, liens, encumbrances, adverse claims or other matters:
(a) created, suffered, assumed or agreed to by the Insured Claimant;
WFG Form No. 3151600 CLTA Preliminary Report Form (06-05-14)
Page9of11
-' -Order No.: 18-176824
b) not Known to the Company, not recorded in the public records at Date of Policy, but Known to the Insured Claimant and
not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an
insured under this policy;
c) resulting in no loss or damage to the Insured Claimant;
(d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under
Covered Risk 9 and 10); or
(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Tille.
4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction
vesting the Title as shown in Schedule A, is
(a) a fraudulent conveyance or fraudulent transfer, or
(b) a preferential transfer for any reason not stated in covered Risk 9 of this policy ..
5. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between
Date of Policy and the date of recording of the deed or other instrument of transfer in the Public Records that vests Title as shown
in Schedule A.
The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from
Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage:
EXCEPTIONS FROM COVERAGE
This policy does not insure against loss or damage and the Company will not pay costs, attorneys' fees or expenses which arise by reason of:
1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or
assessments on real property or by the Public Records;
(b) Proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not
shown by the records of such agency or by the Public Records.
2. Any facts, rights, interests or claims that are not shown by the Public Records but that could be ascertained by an inspection of the
Land or that may be asserted by persons in possession of the Land.
3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records.
4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an
accurate and complete land survey of the Land and not shown by the Public Records.
5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water
rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are shown by the Public Records.
6. Any lien or right to a lien for services, labor or material not shown by the Public Records.
7. Variable exceptions such as taxes, easements, CC&R's, etc. shown here.
WFG Form No. 3151600 Cl TA Preliminary Report Form (06~05-14)
Page10of11
Order No.: 18-176824
ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY (12-02-13)
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys'
fees or expenses which arise by reason of:
1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting,
regulating, prohibiting, or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions, or location of any improvement erected on the Land;
(iii) the subdivision of land; or
(iv) environmental protection;
or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1 (a) does not modify or limit
the coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14 or 16.
(b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk
5, 6, 13(c), 13(d), 14 or 16.
2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8.
3. Defects, liens, encumbrances, adverse claims, or other matters
(a) created, suffered, assumed, or agreed to by the Insured Claimant;
(b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and
not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an
Insured under this policy;
( c) resulting in no loss or damage to the Insured Claimant;
(d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under
Covered Risk 11, 16, 17, 18, 19, 20, 21, 22, 23, 24, 27 or 28): or
(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured
Mortgage.
4. Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing-
business laws of the state where the Land is situated.
5. Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by
the Insured Mortgage and is based upon usury, or any consumer credit protection or truth-in-lending law. This Exclusion does not
modify or limit the coverage provided in Covered Risk 26.
6. Any claim of invalidity, unenforceability or lack of priority of the lien of the Insured Mortgage as to Advances or modifications made
after the Insured has Knowledge that the vestee shown in Schedule A is no longer the owner of the estate or interest covered by
this policy. This Exclusion does not modify or limit the coverage provided in Covered Risk 11.
7. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching subsequent
to Date of Policy. This Exclusion does not modify or limit the coverage provided in Covered Risk 11 (b) or 25.
8. The failure of the residential structure, or any portion of it, to have been constructed before, on or after Date of Policy in accordance
with applicable building codes. This Exclusion does not modify or limit the coverage provided in Covered Risk 5 or 6.
9. My claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction
creating the lien of the Insured Mortgage, is
(a) a fraudulent conveyance or fraudulent transfer, or
(b) a preferential transfer for any reason not stated in Covered Risk 27(b) of this policy.
10. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence.
11. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances.
WFG Form No. 3151600 Cl TA Preliminary Report Form (06-05-14)
Page11 of11
C
Disclosure to Consumer of Available Discounts
Pursuant to California Code of Regulations Section 2355.3
In compliance with Section 2355.3 of the California Code of Regulations, if the current transaction involves an
improved, one-to-four family, residential dwelling, the proposed insured may be entitled to certain cost
reductions and/or discounts in their title insurance premiums and/or settlement service charges, pursuant to the
programs listed below, and as further described in the Company"s current Schedule of Rates and Rules for the
State of California, currently on file with the California Department of Insurance. The reductions and/or discounts
available are:
Electronic Commerce
Group Title Discount Program
First Time Buyer(s)
Senior Citizen Rate
U.S. Military Rate
Consumer Direct Rates
Disaster Loans
Expedited/Electronic Refinance Rates
Lender Special Rates 1, 2, 3
Limited Escrow Rates
Home Equity Escrow Rate
REO Escrow Rate
Group Rate Escrow Discount
Application of the Reductions and/or Discounts listed above shall be governed by the rules and requirements set
forth in the Schedule of Rates and Rules on file in the office of the California Insurance Commissioner. Multiple
programs may or may not be applied. Pursuant to the above referenced California Code of Regulations Section,
neither provision nor acceptance of this form shall constitute a waiver of the consumer's right to be charged the
filed rate.
With the receipt of the Preliminary Report to which this Disclosure Form is attached, the proposed insured
acknowledges that they have been notified that they may be entitled to certain cost reductions and/or discounts,
as listed above and as more particularly described in the Company"s Schedule of Rates and Rules, currently on
file in the office of the Insurance Commissioner of the State of California.
r.
li:::;;G National Title Insurance Company ~ a WiUi•onFm,noi~ Group"°"""""
ABOUT YOUR PRIVACY
At WFG, we believe it is important to protect the privacy and confidences of our customers. This notice is intended to
explain how we collect, use, and protect any information that we may collect. II will explain the choices you may make
about the use of that information.
What Information Do We Collect About You?
We collect certain types of information about you. This may consist of:
• Your name, address, and telephone number.
• Your email address.
• Your social security or government ID numbers.
• Your financial information.
We collect this information from:
• The application or other forms you fill out with us.
• The correspondence you and others direct to us.
• Our transactions with you.
• Others involved in your transaction, including the real estate agent or lender.
In some cases, we collect information from third parties. For instance, we may receive real estate information from local
assessor's offices.
How Do We Use This Information?
We use the information we collect to respond to your requests. WE DO NOT SHARE your information with other
companies.
How Can You "Opt Out?"
We do not share your information so there is no need to opt out.
The information We Collect About You On Our Website
When you enter our website, we automatically collect and store certain information. This consists of:
• Your IP Address
• (Internet Protocol Address) and domain name.
• The type of browser and operating system you use.
• The time of your visit.
• The pages of our site you visit.
If you register with us or fill out an on online survey, we will collect additional personal information, such as your name,
telephone number, email address and mailing address.
Cookie Usage
In order to provide you with customized service, we make use of "cookies." Cookies are essentially files that help us
identify your computer and respond to it. You may disable cookies on your own computer, but you may not be able to
download online documents unless cookies are enabled.
How We Use Information
,-...
\. ..
The information we collect concerning:
• Your browser
• The time and date of your visit
• The web pages or services you accessed
is used for administrative and technical purposes. For instance, we may use it to count the number of visitors to our site
and determine the most popular pages. We may also use ii to review types of technology you are using, determine which
link brought you here, assess how our advertisements on other sites are working, and to help with maintenance.
We use information contained in your emails only for the purpose of responding to those emails. If we ask you to fill out
any forms or surveys, we will use the information we receive only for the specific purposes indicated in those forms or
surveys.
Your Right to See and Correct Information
If you wish to see the information collected about you, please contact your settlement agent.
Children's Policy
We do not knowingly collect information from children under the age of 18. We delete any information that we discover
has been provided by children.
Security
-Generally
We make every effort to protect the integrity of your information. Any personal information you enter into online forms or
surveys will be encrypted to ensure it remains private. We limit the right of access to your information to employees that
need to use the information to respond to or process your request or transaction. We also take industry standard (IPSEC)
measures to protect our sites from malicious intrusions or hacking.
-Phishing and Pretexting
As you know, consumers are increasingly targeted by unscrupulous persons attempting to acquire sensitive personal or
financial information, by impersonating legitimate businesses. We will never send you an unsolicited email or other
communication requesting your private information. If you receive a communication directing you to enter your personal
information, please disregard the instruction and contact us immediately at Compliance@wfgnationallitle.com.
Oregon Residents
We may not disclose personal or privileged information about you unless we provide you with a disclosure authorization
form that is executed by you or your representative and otherwise complies with certain statutory requirements. Any such
authorization is not valid for more than 24 months and may be revoked by you at any time, subject to the rights of anyone
who relied on the authorization prior to your notice of revocation.
In addition, if your personal or privileged information was collected or received by us in connection with a title insurance
transaction, we cannot disclose such information if the disclosure authorization form that you executed is more than one
year old or if the requested disclosure is for a purpose other than a purpose expressly permitted by statute.
You have the right at any time to request in writing access to recorded personal information about you that is reasonably
described by you and reasonably available to us. Within 30 days of the dale of our receipt of any such written request
from you, we will inform you of the nature and substance of any such information, permit you to see and copy that
information or obtain a copy by mail, disclose the identity, if recorded, of the persons to whom we have disclosed such
information during the previous two years, and provide you with a summary of the procedures by which you may request
that such information be corrected, amended or deleted.
Do Not Track
Because there is not an industry-standard process or defined criteria to permit a user to opt out of tracking their internet
access (Do Not Track or DNT), we do not currently respond to the various DNT signals.
How to Contact Us
If you have any questions about our privacy policy, please contact WFG:
• By email: Compliance@wfgnationaltitle.com
• By telephone: 800-385-1590
• By fax: 503-97 4-9596
• By mail: 12909 SW 68th Pkwy, Suite 350, Portland, OR 97223
• In person: 12909 SW 68th Pkwy, Suite 350, Portland, OR 97223
WFGFAMILY
WILLISTON FINANCIAL GROUP LLC
WFG NATIONAL TITLE INSURANCE COMPANY
WFG LENDER SERVICES, LLC
WFGLS TITLE AGENCY OF UTAH, LLC
WFG NATIONAL TITLE COMPANY OF WASHINGTON, LLC
WFG NATIONAL TITLE COMPANY OF CALIFORNIA
WFG NATIONAL TITLE COMPANY OF TEXAS, LLC D/B/A WFG NATIONAL TITLE COMPANY
UNIVERSAL TITLE PARTNERS, LLC
VALUTRUST SOLUTIONS, LLC
WILLISTON ENTERPRISE SOLUTIONS & TECHNOLOGY, LLC
WFG NATIONAL TITLE COMPANY OF CLARK COUNTY, WA, LLC D/B/A WFG NATIONAL TITLE
~ston Financial Group