Your Trusted Title & Closing Partner

Purchasing real estate is likely one of the largest purchases you will make in your life. It is important for buyers to trust a reputable and experienced title services partner. Your title partner will guide you through the transaction and closing process. They will also make sure that your investment is protected long after settlement.

For over twenty years, On Time Settlements has provided full-service title, settlement and escrow services for residential and commercial real estate clients nationwide. We have experience representing Fortune 500 companies, national lenders, local builders and developers, as well as thousands of residential consumers. Most notably, On Time Settlements has represented the Department of Housing and Urban Development (HUD) and Fannie Mae, as their Preferred Settlement Agent for the Baltimore-Washington region.

On Time Settlements is proud to have grown over the last 20 years with many of the same staff members. Our clients are comforted by our extensive experience, knowledge, and innovation. We work diligently with our lending and real estate partners to move our clients from contract to closing in the most affordable, efficient, and effective manner possible. It is this trusted process, paired with an unwavering commitment to our clients, that has attributed to much of our success throughout the years.

Why Choose On Time Settlements?

Locally owned and operated since 1992
Extensive experience handling residential, commercial and REO transactions nationwide
Best Practice Certified for national lenders
A dedicated team of some of the industry’s top attorneys, settlement officers and support staff
Directly licensed and/or able to operate through work-share agreements in almost all 50 states
Accurate quotes available 24/7 via our online calculator. Prelim CDs turned around within 1 hour.
Close anytime, anywhere that is convenient to you. Yes, we travel for closings!
Bilingual closings available upon request
Competitive Fee Guarantee – We will match competitive quotes *
Special buyer incentives often available – Ask your Settlement Officer for current promotions

* On Time Settlements will match competitive quotes at the discretion of the owner

Meet Our Senior Managament Team

On Time Settlements has become one of the regions most respected title companies. A point highlighted by our team of top real estate attorneys, settlement officers, and processors. The quality of our product is backed by over two decades of service to our customers. In today’s challenging real estate environment, it is more important than ever to align yourself with a knowledgeable, experienced and reputable title company.

David L. ThurstonPresident, Attorney at Law

David L. Thurston is a graduate of the University Of Baltimore School Of Business and the University of Baltimore School of Law. Mr. Thurston is President and sole shareholder of On Time Settlements Corporation,

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which was founded in 1992, and the Law Offices of David L. Thurston, where his practice emphasizes commercial acquisition & development, taxation, elder law and estate planning, contract matters and title insurance, multi-state commercial & residential settlements, loan document production, and negotiation and preparation of real estate contracts.

On Time Settlements and the Law Offices of David L. Thurston have represented Fortune 500 companies, national lenders, local builders, major developers and thousands of residential clients for over 18 years. Mr. Thurston’s professional experience includes Clients such as Real Estate Investment Trust, the State of Maryland, the Department of Housing and Urban Development and Fannie Mae.

Mr. Thurston is a member of the following professional organizations:
• American Land Title Association
• Greater Baltimore Board of Realtors
• Maryland Association of Certified Public Accountants
• American Institute of Certified Public Accountants
• American Bar Association
• Maryland State Bar Association
• Maryland Land Title Association

P: 410-719-0200 x105
F: 443-514-0220

Carol LismanAttorney at Law

Carol Lisman earned a Bachelor of Science degree in Business Management from the University of Maryland, College Park in 1978. Carol then went on to study law at the University of Baltimore School of Law, where she graduated Magna Cum Laude

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and was ranked 4th in her class. While at the University of Baltimore, Carol was a member of the Law Review and the Heuisler Honor Society. She also received the American Jurisprudence Awards in several subject areas.

Carol’s professional experience includes work for a variety of law firms and title companies, where she has represented landlords, developers, condominium associations and commercial lenders in real estate and commercial financing transactions. Carol has been with On Time Settlements since 1996 and is responsible for reviewing and approving commitments for title insurance, resolving defective title issues, preparing settlement statements and conducting settlements for her clients.

P: 410-719-0200 x116
F: 443-514-0223

Pat DanielloOperations Manager

Pat Daniello began her career with On Time Settlements in 1993 and serves as the company’s Operations Manager. Pat oversees the staff, human resources and daily operations, and is also responsible for On Time Settlements’s information-technology

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and security management. In addition, Pat oversees the company’s local banking relationships and escrow accounting.

P: 410-719-0200 x112
F: 443-514-0222

Rachel SonntagPost Closing/Compliance Manager

Rachel Sonntag has been with On Time Settlements since 1999 and has been a Licensed Settlement Officer and Notary since 2005. Rachel earned a Bachelors of Science degree in Business Administration

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from University of Maryland University College in 2012. Rachel manages On Time Settlements’s post-closing department and is responsible for the company’s licensing, compliance, underwriting and vendor management. Rachel was instrumental in On Time Settlements’s Best Practices Certification in 2015 and currently handles all lender vetting and onboarding.

P: 410-719-0200 x104
F: 443-514-1046

Jennifer Canosa Director of Marketing

Jennifer Canosa, a Towson University graduate, holds a Bachelor of Science Degree in Mass Communications with a concentration in Advertising and Public Relations. Jennifer also holds an additional certification in Marketing from

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Towson University’s School of Business. Jennifer graduated from Towson University Magna Cume Laude and was inducted into the National Society for Collegiate Scholars (NSCS), which recognizes scholars within the top 20 percent of their class. Jennifer became a Licensed Settlement Officer in 2015.

Jennifer’s professional experience includes work in advertising, marketing, public relations, business development and sales. Jennifer is currently the Director of Marketing for On Time Settlements, overseeing the company’s marketing and growth initiatives.

Direct: 410-812-0995
efax: 443-514-1104

Shannon Kocur Business Development/Settlement Officer

Shannon Kocur has wasted no time in the last 18 years of her career. Thirsty for knowledge and a challenge, she has a comprehensive understanding of what it takes to close a real estate transaction thanks, in part, to her experience as a loan officer and

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real estate agent. Today Shannon is a valuable member of the On Time Settlements business development team as well as the local Maryland real estate community as Shannon serves as an Advisory Board Committee member of the Baltimore Real Producers Magazine. Shannon graduated from Towson University in 1997. She currently resides in Maryland with her three kids, enjoys staying active and taking to the slopes for skiing.

P: 443-850-5727
F: 866-318-6869

Cathie Pagan Team Lead, Settlement Officer

Cathie Pagan brings almost 40 years of real estate title experience to her clients and is one of On Time Settlements’s Team Leads and Senior Settlement Officers. Cathie is responsible for overseeing much of On Time Settlements’s traditional purchase business,

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refinance business, and handles many of our commercial transactions. Cathie is a Licensed Settlement Officer, Paralegal and Maryland Notary Public, with a Bachelor of Science Degree in Paralegal Studies from UMUC.

P: 410-719-0200 x166
F: 443-514-1045

Sharon Hayes REO Manager

Sharon Hayes, a true veteran of the title industry, has almost 40 years of experience in title and settlement services. Sharon began her tenure with On Time Settlements in 2001 and serves as one of On Time Settlements’s REO Managers.

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Sharon has overseen several large REO contracts from On Time Settlements, including The Department of Housing Urban Development (HUD) contract and the Fannie Mae contract, each for several contract terms. Sharon holds an Associate degree in Paralegal Studies from Villa Julie College and a Bachelor of Arts degree in Political Science from Loyal College. Sharon is also a Licensed Settlement Officer and Maryland Notary Public.

P: 410-719-0200 x309
F: 443-514-1040

Sherry Sandler REO Manager

Sherry Sandler is a Licensed Settlement Officer with over 20 years of experience in the title industry. From 2007 to 2012 Sherry worked for a large Foreclosure Attorney and worked in conjunction with On Time Settlements as part of an REO/Foreclosure

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team handling a large REO contract. In September of 2012, Sherry joined On Time Settlements full-time to serve as one of our REO Managers. Sherry holds an Associate of Arts degree in Paralegal Studies from Villa Julie College and a Bachelor of Arts degree in Jurisprudence from University of Baltimore.

P: 410-719-0200 x115
F: 443-514-1036

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About Us

Your Trusted Title & Closing Partner

Why Choose On Time Settlements?

Meet Our Senior Managament Team

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