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MISCELLANEOUS

What is Escrow? The term “escrow” means any agreement between two or more parties (principals) wherein the delivery of instruments, monies, items of value, or evidence of title to real or personal property are deposited with a ‘NEUTRAL’ third party, (the escrow agent). This agreement contains specific written instructions executed by all parties to the transaction. Other parties may be brought into the escrow by virtue of the instructions and requirements of the buyer and seller, i.e., the lender, lien holders, real estate agents, contract vendors, etc. In order for the seller and buyer to complete the transaction it may be necessary to receive money and documents from these other parties. Said parties will deposit their items of value along with their written instructions which confines the items to the escrow until their conditions have been met. THE ESCROW AGENT REMAINS A DISINTERESTED THIRD PARTY. First American Title provides professional escrow settlement services unsurpassed in our industry.

PLACING YOUR ESCROW WITH FIRST AMERICAN TITLE PROVIDES: A financially responsible and licensed custodian to safeguard funds and documents

Expertise in handling complicated transactions, especially in today’s challenging environment

A “clearing house” for the payment of all liens and other encumbrances

A single point of contact for coordinating the flow of documents and funds

An impartial third party to assume responsibility for the many tasks involved in closing

CRYSTAL MARKS BUSINESS DEVELOPMENT REPRESENTATIVE OFFICE 503.538.7361 | MOBILE 503.550.2750 cmarks@firstam.com www.firstam.com

CMA-05/11

503.538.7361 | www.firstam.com

Real Estate Sale and Purchase How does this work? A Step-by-Step Approach BUYER: Chooses a real estate broker (selling broker) and looks at properties

SELLER: The seller chooses a real estate broker and lists their property

Chooses loan officer for loan pre-approval

Makes an offer and it is accepted

Escrow is set up, usually by the seller’s Realtor

The offer comes in and is accepted Escrow is set up, usually by the seller’s Realtor (also called the listing broker)

Earnest money is deposited into escrow

Review preliminary title report

Review preliminary title report and exceptions

Review the inspection reports, negotiate repairs

Sends any final documentation to loan officer for final loan approval

Orders inspections as recommended by their Realtor

Reviews the inspection reports, negotiates repairs

Any contingencies between buyer and seller are released

Responds to any requests for information from the escrow officer

Any contingencies between buyer and seller are released

Responds to any requests for information from the escrow officer

Final documentation arrives at escrow

Signing appointment is scheduled

The buyer’s lender reviews the signed documents

Final documentation arrives at escrow

Clearance is given by the buyer’s lender to record the documents and funds are sent to escrow

Signing appointment is scheduled

After recording the funds are disbursed and usually possession is given to the buyer

Obtain a cashier’s check or make arrangements for a wire transfer for the balance of funds to close

After signing, the loan documents are reviewed by the lender

Clearance is given by the lender; they instruct escrow to record, and send the loan funds to escrow

Usually after recording the Buyer receives possession

503.538.7361 | www.firstam.com

CMA-06/2011

CUSTOMARILY WHO PAYS FOR WHAT IN OREGON

Real Estate Commission

Appraisal Fee

1/2 Transfer Tax (WA County)

Loan Origination Fee/Discount

Reconveyance/Release Fee

Credit Report

Prepayment Penalty (if applicable)

Recording Fee

Owner's Title Insurance Escrow Fee

Cash VA

Estimated Buyerâ&#x20AC;&#x2122;s Cost

FHA . Conv

Cash

FHA . Conv

Estimated Sellerâ&#x20AC;&#x2122;s Cost

Tax Proration Reserve Set-up (if applicable) Mortgage Insurance (if applicable)

Tax Proration Lien Search (if applicable)

Escrow Fee Lender's Title Insurance

Mortgages & Encumbrances

Fire Insurance 1 Year

Any Property Tax Due

Flood Insurance (if applicable)

Buyer's Lender Fees (varies by lender)

Flood & Tax Certifications

Other

1/2 Transfer Tax (WA County)

TOTAL

Prepaid Interest

Seller pays full escrow fee. NOTE: Utilities handled outside closing.

HOA Fees (if applicable) VA Funding Fee TOTAL Seller pays full escrow fee. NOTE: Owner's title insurance will show on GFE but is credited back at closing.

$3:45"- ."3,4 #64*/&44 %&7&-01.&/5 3&13&4&/5"5*7& 0''*$& ] .0#*-& DNBSLT!GJSTUBN DPN XXX GJSTUBN DPN

OR-01/2014

] XXX GJSTUBN DPN

Guest Register BUYING TIMEFRAME:

NAME: _____________________________________________

ADDRESS: __________________________________________ CITY / STATE / ZIP:___________________________________ PHONE: ____________________________________________

ARE YOU PRE-APPROVED FOR A LOAN? Â&#x2030; Yes | Â&#x2030; No | Lender: _________________________________________

EMAIL: _____________________________________________

BUYING TIMEFRAME:

NAME: _____________________________________________

ADDRESS: __________________________________________ CITY / STATE / ZIP:___________________________________ PHONE: ____________________________________________

ARE YOU PRE-APPROVED FOR A LOAN? Â&#x2030; Yes | Â&#x2030; No | Lender: _________________________________________

EMAIL: _____________________________________________

BUYING TIMEFRAME:

NAME: _____________________________________________

ADDRESS: __________________________________________ CITY / STATE / ZIP:___________________________________ PHONE: ____________________________________________

ARE YOU PRE-APPROVED FOR A LOAN? Â&#x2030; Yes | Â&#x2030; No | Lender: _________________________________________

EMAIL: _____________________________________________

BUYING TIMEFRAME:

NAME: _____________________________________________

ADDRESS: __________________________________________ CITY / STATE / ZIP:___________________________________ PHONE: ____________________________________________

ARE YOU PRE-APPROVED FOR A LOAN? Â&#x2030; Yes | Â&#x2030; No | Lender: _________________________________________

EMAIL: _____________________________________________

] XXX GJSTUBN DPN

OR - 05/2014

Mover’s Checklist Before you move, you may want to: TT Take TT Get

the opportunity to streamline your possessions. Possibly plan a garage sale!

estimates from several transportation options.

TT Update

your contact information with your bank, credit cards and other financial institutions.

TT Re-imagine

your furniture in its new space. Prepare updated floor plans. This will help avoid confusion for you and your movers.

TT Pay

existing bills and close out local accounts. Request and obtain medical, dental and children’s school records.

TT Record

your house-hunting and moving expenses. Keep documentation for possible tax savings if your move is work related.

You’ll want to remember to: TT Change

your address with friends, family, business contacts, and the various companies for which you have an account. Do not forget your past employer so that you will receive your W-2 form in a timely manner.

TT Cancel

or transfer your various utility services. You will find a list of those contacts in this packet.

TT Check

on personal items that might be in storage, lent out, held in safety deposit boxes or otherwise outside your home.

TT Transfer

your insurance policies or arrange for new ones.

TT Take

valuables, jewelry, important papers (birth certificates, deeds, and other documents) with you personally.

TT Pack TT Look

a kit of necessities in case you arrive before the mover.

into purchasing moving insurance. Your mover’s liability for lost or damaged goods will not equal their replacement cost.

CMA-6/2011