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MISCELLANEOUS
First American Title Insurance Company, and the operating divisions thereof, make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates. Š2018 First American Financial Corporation and/or its affiliates. All rights reserved. | NYSE: FAF | 39211701018
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
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Expertise in handling complicated transactions, especially in today’s challenging environment
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A “clearing house” for the payment of all liens and other encumbrances
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A single point of contact for coordinating the flow of documents and funds
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An impartial third party to assume responsibility for the many tasks involved in closing
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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
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SELLER: The seller chooses a real estate broker and lists their property
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Chooses loan officer for loan pre-approval
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Makes an offer and it is accepted
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TT
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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)
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Earnest money is deposited into escrow
Review preliminary title report
TT
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Review preliminary title report and exceptions
Review the inspection reports, negotiate repairs
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Sends any final documentation to loan officer for final loan approval
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Orders inspections as recommended by their Realtor
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Reviews the inspection reports, negotiates repairs
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Any contingencies between buyer and seller are released
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Responds to any requests for information from the escrow officer
Any contingencies between buyer and seller are released
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Responds to any requests for information from the escrow officer
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Final documentation arrives at escrow
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Signing appointment is scheduled
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The buyer’s lender reviews the signed documents
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Final documentation arrives at escrow
Clearance is given by the buyer’s lender to record the documents and funds are sent to escrow
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Signing appointment is scheduled
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After recording the funds are disbursed and usually possession is given to the buyer
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Obtain a cashier’s check or make arrangements for a wire transfer for the balance of funds to close
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After signing, the loan documents are reviewed by the lender
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Clearance is given by the lender; they instruct escrow to record, and send the loan funds to escrow
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Usually after recording the Buyer receives possession
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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
VA
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: _____________________________________________
Â&#x2030; Now | Â&#x2030; 1-3 Months | Â&#x2030; 3-6 months DO YOU CURRENTLY: | Â&#x2030; Own | Â&#x2030; Rent ARE YOU WORKING WITH A REAL ESTATE BROKER? Â&#x2030; Yes | Â&#x2030; No Agent: ___________________________________________
ADDRESS: __________________________________________ CITY / STATE / ZIP:___________________________________ PHONE: ____________________________________________
ARE YOU PRE-APPROVED FOR A LOAN? Â&#x2030; Yes | Â&#x2030; No | Lender: _________________________________________
EMAIL: _____________________________________________
BUYING TIMEFRAME:
NAME: _____________________________________________
Â&#x2030; Now | Â&#x2030; 1-3 Months | Â&#x2030; 3-6 months DO YOU CURRENTLY: | Â&#x2030; Own | Â&#x2030; Rent ARE YOU WORKING WITH A REAL ESTATE BROKER? Â&#x2030; Yes | Â&#x2030; No Agent: ___________________________________________
ADDRESS: __________________________________________ CITY / STATE / ZIP:___________________________________ PHONE: ____________________________________________
ARE YOU PRE-APPROVED FOR A LOAN? Â&#x2030; Yes | Â&#x2030; No | Lender: _________________________________________
EMAIL: _____________________________________________
BUYING TIMEFRAME:
NAME: _____________________________________________
Â&#x2030; Now | Â&#x2030; 1-3 Months | Â&#x2030; 3-6 months DO YOU CURRENTLY: | Â&#x2030; Own | Â&#x2030; Rent ARE YOU WORKING WITH A REAL ESTATE BROKER? Â&#x2030; Yes | Â&#x2030; No Agent: ___________________________________________
ADDRESS: __________________________________________ CITY / STATE / ZIP:___________________________________ PHONE: ____________________________________________
ARE YOU PRE-APPROVED FOR A LOAN? Â&#x2030; Yes | Â&#x2030; No | Lender: _________________________________________
EMAIL: _____________________________________________
BUYING TIMEFRAME:
NAME: _____________________________________________
Â&#x2030; Now | Â&#x2030; 1-3 Months | Â&#x2030; 3-6 months DO YOU CURRENTLY: | Â&#x2030; Own | Â&#x2030; Rent ARE YOU WORKING WITH A REAL ESTATE BROKER? Â&#x2030; Yes | Â&#x2030; No Agent: ___________________________________________
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