:

: 1 Closing
/!

?
15 90

Escrow Account)
3%

() 3

(: $1500 - $2000)
(: $300 - $500)

*
()

(: $500 - $1000)

 -
3-7 (: $500 - $800)

1
Closing/
!

. (House Type) Single Family House

(Tome House)(Condo)

(Fee Simple)
(Condo Fee) (Home
Owner Association Fee)$200 $400$900

Exclusive Buyer Agency

Agreement

(For Sale by Owner)

( )

(Listing Agreement)

.
1999 90% 10%

(Financial Information Sheet)

(Gross Annual Income)
Liabilities

(Assets)(Down Payment)

(Loan Pre-approval Letter)

$500,000 6%$2,500

(Buyer Name)
(Social Security Number)
(Sales Price)
(Loan Amount)
(Program) 30
(Deposit)
(Settlement Date)
(Buyer Address)
(Buyer Phone)
(Income)

28%(Principal)
(Interest)(Real Estate Tax)(Home Owner Insurance)
(Car Loan) (College Tuition Loan)
(Credit Card Debt) 36%
12% 24% 8%
36%
(HUD) 45%
(Adjustable Rate
Mortgage, ARM)(Fixed Rate Mortgage)
(Index)
9%
15 30 15 30 8%
(Conventional)(FHA)
(VA)
(Jumbo Loan)$417,000
2008 3 $562,000
30

(Deposit)

$5,000

(Settlement Date) 30 45

 30 30

(Program)Down Payment(Loan
Amount)Interest Rate
(Credit History)(Financial Information)(Employment History)
(Ratified Contract)(Appraisal)

1
2
3

20

24x13 x
26

(Address)
(Listing Price)
(Tax Assessment)
(# Bedrooms)
(# Bathrooms)
(# Garage)
(Living Area)
(Lot Size)

 (Built Year)
(Living Room)
(Family Room)
(Dining Room)
(Kitchen)
(Library)
(Master Bedroom)
(Other Bedrooms)
(Closet)
(Storage)
(Basement)
(Deck)
(Drive Way, Side Walk)
(Backyard)
(Condition)
(School Quality)
(Commute Time)
(Shopping)
(Overall Opinion)
.
:
(Comparative Market Analysis, CMA) Market
Statistics(Tax Assessment)

(Location)
6

2008 2 20850
93.58% 6%

(Deposit):

$5,000
2% 3%


(Home Inspection)(Radon Inspection)(Termite Inspection)
7 15

(Appraisal)(Financial)
15

20
,
(Air Conditioning System)(Swimming Pool)
5 31

(Escalation Clause)

30 45

(final walk through)

50

MRIS#
Property Address
Listing Price
(Date)
Buyers Names
Offer Price
Closing Date
Loan Amount
Deposit on Sale$10,000
Home Inspection 7
Radon Inspection 7
Termite Inspection 7
Appraisal Contingency 15
Financial Contingency 20
Transfer Taxes 50%
Buyers Income
Buyer Agent

1
(Ratified)

.
(Home Inspection)(Contingency)
(Contract Ratified)
Home Inspector$200 $600

(Structure)
(Foundation)(Roof)(Floor)(Wall)(Doors and Windows)
(Basement)(Electrical Systems)(Plumbing)(Heating and Air
Conditioning Systems)(Smoke Detector)

(Home Inspection Addendum)

(AS IS)

0.4
(pCi/L)Environmental Protection Agency, EPA
4.0
(Radon Inspection)
100
130
(radon Inspection Addendum) (Radon
Mitigation System)$800 $2000

(Termite Inspection)

20 -30
30

(Termite Inspection Addendum)

(Air Conditioning System)(Swimming Pool)

5 31


1978

1978 1979
1979 Lead-based
paint inspection
50 -450
30 70 X

1979

(Time Is Of The Essence),

900

(Loan Origination Fee): 1%

(Discount Point) 1% 0.25%
(Appraisal Fee): $250-$500
(Credit Report): $20-60$
(Processing Fee)$200-$500
Tax Service Fee: $50-$100
(Flood Certificate): $10-$20
(Underwriting Fee): $200-$500
(Document Preparation) $200-$500

(Uniform Residential Loan Application)

(Type of Mortgage and Terms of Loan)

(Property Information and Purpose of Loan)

(Borrower Information)
(Employment Information)
(Monthly Income and Housing Expense Information)
(Assets and Liabilities)
(Details of Transaction)
30 W2, W-2,
(Good Faith Estimate, GFE)
30

(Interest Rate)(Annual Percentage Rate, APR)

(Appraisal)
(Appraisal Contingency)(Financial Contingency)
15
20

(Buyer Appraisal Notice)

9
(Financial
Notices)
9:00

(Rate Lock-In) 30 45 60
30

(Credit Score) 620 (Conventional

Loan)(FHA)(VA) 600
740
?
(Past Payment Performance) 35%
(Credit Utilization) 30%
(Credit History) 15%
(Types of Credit in Use) 10%
(Inquiries) 10%

.
(Home Owner
Insurance or Hazard Insurance)
(Fire Insurance)

: HO (Home Owner)
HO-1 (Basic)

HO-2 (Broad)

HO-3 (All Risk)

HO-4 (Renters)
HO-5 (Comprehensive)
HO-6 (Condominium Coverage)

HO-7 (Mobile Home)

HO-8 (Older Home)

(Dwelling Fire)

.
(Title Search)
40 60

(Lien)(Real Estate Tax Lien)(Mortgage Lien)(Mechanics Lien)

(Department of Land Record)

(Title Insurance Lenders Coverage)
(Owners Coverage)
(Lock)
(HUD-1)

(Repair
Invoice) 90
(Final Walk Through)

(Casher Check)

2% 4%


Items Payable in Connection with Loan: .
Items Required by Lender to be Paid in Advance

1.5% 20%
$1,000 $1.0 $2.0
Reserves Deposited with Lender

Title Charge
Settlement Fee$200-$350
Title Search$100-$200
(Title Insurance Lenders Coverage) $1,000 $2.4
(Owners Coverage) $1,000 $1.8

Government Recording and Transfer Charges

Recording Fee 80
//City/County Tax/Stamps 1%
State Tax/Stamps 0.5% 0.25%
State Recordation Tax$1,000 $6.90
40 1.1%40 1.45%
$1,000 $3.34
Survey

House Location
Drawing$150 $300
Boundary Survey$450 $2,000
POC Paid Outside of Closing

Settlement Statement

4 5