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HOME CLOSING 101
Buying a house is an exciting time. Learn what it takes to get the keys to your home and why you should purchase an owner’s title insurance policy to protect your property rights.CLOSING OPTIONS
Mail Away/Mobile Notary. The settlement provider sends the closing documents to the buyer and seller. A notary will then meet the parties at an agreed location to witness the signing and collect the documents. The buyers and sellers can also obtain their own notary and mail the documents back to the settlement provider after signing. PARTS OF A TITLE POLICY 3. Schedule A. Schedule A sets forth the specific information on the title and policy, such as the date of policy, the amount of insurance, the insured, the legal description of the land insured by the policy and the estate insured, such as fee simple or leasehold. Schedule A must be attached to the policy in order for the policy to be valid. 4. CLOSING COSTS EXPLAINED Closing Costs Explained. There are costs associated with purchasing a home. Check out a sample Closing Disclosure, which outlines terms and costs of your transaction.Here’s a review of many of the common fees. Origination: The fee the lender and any mortgage broker charges the borrower for making the mortgage loan. Origination services include taking and processing your loan application THE AMERICAN LAND TITLE ASSOCIATION The American Land Title Association. The American Land Title Association, founded in 1907, is the national trade association representing title insurance companies, title and settlement agents, independent abstracters, title searchers, and real estate attorneys.With offices throughout the United States, members conduct title searches, examinations, closings, and issue title insurance thatCLOSING DISCLOSURE
Closing Disclosure. At least three days before your closing, you should receive a Closing Disclosure, which is a five-page document that gives you more details about your loan, its key terms, and how much you are paying in fees and other costs to get your mortgage andbuy your home.
THE FAQS OF TITLE INSURANCE FOR HOMEOWNERS There are two different types of title insurance: an owner’s policy and a lender’s policy. An owner’s policy is the best way to protect your property rights. Either the buyer or seller may pay for this policy. Ask your title professional how it’s handled in your area. A lender’s policy is usually required by the lender and only REAL ESTATE GLOSSARY The Home Closing 101 Real Estate Glossary provides simple definitions for some of the most common terms you can expect to hear during the closing process. This glossary is not exhaustive and may not be 100 percent accurate in all jurisdictions. These definitions are for general purposes only and should not be used for legal purposes. REAL-LIFE TITLE PROBLEMS Fraud and forgery are examples of hidden title hazards that can remain undetected until after a closing despite the most careful precautions. Although emphasizing risk elimination, an owner’s policy protects you financially through negotiation by the insurer with third-parties, payment for defending against an attack on the title as insured, and payment of valid claims. WHY 20% OF HOMEOWNERS MAY NOT SLEEP TONIGHTHOME CLOSING 101
Buying a house is an exciting time. Learn what it takes to get the keys to your home and why you should purchase an owner’s title insurance policy to protect your property rights.CLOSING OPTIONS
Mail Away/Mobile Notary. The settlement provider sends the closing documents to the buyer and seller. A notary will then meet the parties at an agreed location to witness the signing and collect the documents. The buyers and sellers can also obtain their own notary and mail the documents back to the settlement provider after signing. PARTS OF A TITLE POLICY 3. Schedule A. Schedule A sets forth the specific information on the title and policy, such as the date of policy, the amount of insurance, the insured, the legal description of the land insured by the policy and the estate insured, such as fee simple or leasehold. Schedule A must be attached to the policy in order for the policy to be valid. 4. CLOSING COSTS EXPLAINED Closing Costs Explained. There are costs associated with purchasing a home. Check out a sample Closing Disclosure, which outlines terms and costs of your transaction.Here’s a review of many of the common fees. Origination: The fee the lender and any mortgage broker charges the borrower for making the mortgage loan. Origination services include taking and processing your loan application THE AMERICAN LAND TITLE ASSOCIATION The American Land Title Association. The American Land Title Association, founded in 1907, is the national trade association representing title insurance companies, title and settlement agents, independent abstracters, title searchers, and real estate attorneys.With offices throughout the United States, members conduct title searches, examinations, closings, and issue title insurance thatCLOSING DISCLOSURE
Closing Disclosure. At least three days before your closing, you should receive a Closing Disclosure, which is a five-page document that gives you more details about your loan, its key terms, and how much you are paying in fees and other costs to get your mortgage andbuy your home.
THE FAQS OF TITLE INSURANCE FOR HOMEOWNERS There are two different types of title insurance: an owner’s policy and a lender’s policy. An owner’s policy is the best way to protect your property rights. Either the buyer or seller may pay for this policy. Ask your title professional how it’s handled in your area. A lender’s policy is usually required by the lender and only REAL ESTATE GLOSSARY The Home Closing 101 Real Estate Glossary provides simple definitions for some of the most common terms you can expect to hear during the closing process. This glossary is not exhaustive and may not be 100 percent accurate in all jurisdictions. These definitions are for general purposes only and should not be used for legal purposes. REAL-LIFE TITLE PROBLEMS Fraud and forgery are examples of hidden title hazards that can remain undetected until after a closing despite the most careful precautions. Although emphasizing risk elimination, an owner’s policy protects you financially through negotiation by the insurer with third-parties, payment for defending against an attack on the title as insured, and payment of valid claims. WHY 20% OF HOMEOWNERS MAY NOT SLEEP TONIGHT LIST | HOME CLOSING 101 An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843CLOSING OPTIONS
Mail Away/Mobile Notary. The settlement provider sends the closing documents to the buyer and seller. A notary will then meet the parties at an agreed location to witness the signing and collect the documents. The buyers and sellers can also obtain their own notary and mail the documents back to the settlement provider after signing.THE CLOSING PROCESS
An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843 PROTECT YOUR PROPERTY RIGHTS You should have a policy to protect your investment as well. For a one-time fee paid at closing, an owner’s policy can protect your property rights for as long as you or your heirs own the property. There are two types of title insurance policies. As mentioned, the owner’s policy protects the homebuyer. A loan policy protects thelender.
REAL ESTATE GLOSSARY The Home Closing 101 Real Estate Glossary provides simple definitions for some of the most common terms you can expect to hear during the closing process. This glossary is not exhaustive and may not be 100 percent accurate in all jurisdictions. These definitions are for general purposes only and should not be used for legal purposes. WHY 20% OF HOMEOWNERS MAY NOT SLEEP TONIGHT Why 20% of Homebuyers May Not Sleep Tonight. Each year, approximately 20% of homebuyers fail to protect themselves by not getting owner’s title insurance. Unfortunately, this leaves them exposed to serious financial risk—causing endless worry and regret. If you’re thinking of buying a home, here’s what you need to know to protectHOW TO FILE A CLAIM
How to File a Claim. An owner’s policy of title insurance provides the homeowner peace of mind about their legal rights to real property. If you have a question or concern about your rights, promptly notify the title insurance company whose name appears on the title policy. The title policy includes instructions for contacting the titleinsurer.
PROTECT YOUR MONEY
Protect Your Money. Buying and selling a home is an exciting time, but there can be pitfalls for unsuspecting consumers. You should be aware that criminals use wire fraud schemes to steal money meant for home purchases or the proceeds from the sale of the property. 7 REASONS WHY EVERY HOMEBUYER NEEDS OWNER’S TITLE An unknown heir of a previous owner who is claiming ownership of the property. 3. You Can’t Beat the Value. Owner’s title insurance is a one-time fee that’s very low relative to the value it provides. It typically costs around 0.5% of a home’s purchase price. 4.DEED OF TRUST
MARYLAND--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3021 1/01 (page 2 of 16 pages) (I) “Applicable Law” means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that ha ve the effect of law) as well as all applicable final, non-appealable judicialopinions.
HOME CLOSING 101
Buying a house is an exciting time. Learn what it takes to get the keys to your home and why you should purchase an owner’s title insurance policy to protect your property rights. PARTS OF A TITLE POLICY 3. Schedule A. Schedule A sets forth the specific information on the title and policy, such as the date of policy, the amount of insurance, the insured, the legal description of the land insured by the policy and the estate insured, such as fee simple or leasehold. Schedule A must be attached to the policy in order for the policy to be valid. 4. CLOSING COSTS EXPLAINED Closing Costs Explained. There are costs associated with purchasing a home. Check out a sample Closing Disclosure, which outlines terms and costs of your transaction.Here’s a review of many of the common fees. Origination: The fee the lender and any mortgage broker charges the borrower for making the mortgage loan. Origination services include taking and processing your loan applicationCLOSING DISCLOSURE
Closing Disclosure. At least three days before your closing, you should receive a Closing Disclosure, which is a five-page document that gives you more details about your loan, its key terms, and how much you are paying in fees and other costs to get your mortgage andbuy your home.
THE AMERICAN LAND TITLE ASSOCIATION The American Land Title Association. The American Land Title Association, founded in 1907, is the national trade association representing title insurance companies, title and settlement agents, independent abstracters, title searchers, and real estate attorneys.With offices throughout the United States, members conduct title searches, examinations, closings, and issue title insurance that THE FAQS OF TITLE INSURANCE FOR HOMEOWNERS There are two different types of title insurance: an owner’s policy and a lender’s policy. An owner’s policy is the best way to protect your property rights. Either the buyer or seller may pay for this policy. Ask your title professional how it’s handled in your area. A lender’s policy is usually required by the lender and only REAL ESTATE GLOSSARY The Home Closing 101 Real Estate Glossary provides simple definitions for some of the most common terms you can expect to hear during the closing process. This glossary is not exhaustive and may not be 100 percent accurate in all jurisdictions. These definitions are for general purposes only and should not be used for legal purposes. REAL-LIFE TITLE PROBLEMS Fraud and forgery are examples of hidden title hazards that can remain undetected until after a closing despite the most careful precautions. Although emphasizing risk elimination, an owner’s policy protects you financially through negotiation by the insurer with third-parties, payment for defending against an attack on the title as insured, and payment of valid claims. WHY 20% OF HOMEOWNERS MAY NOT SLEEP TONIGHTDEED OF TRUST
MARYLAND--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3021 1/01 (page 2 of 16 pages) (I) “Applicable Law” means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that ha ve the effect of law) as well as all applicable final, non-appealable judicialopinions.
HOME CLOSING 101
Buying a house is an exciting time. Learn what it takes to get the keys to your home and why you should purchase an owner’s title insurance policy to protect your property rights. PARTS OF A TITLE POLICY 3. Schedule A. Schedule A sets forth the specific information on the title and policy, such as the date of policy, the amount of insurance, the insured, the legal description of the land insured by the policy and the estate insured, such as fee simple or leasehold. Schedule A must be attached to the policy in order for the policy to be valid. 4. CLOSING COSTS EXPLAINED Closing Costs Explained. There are costs associated with purchasing a home. Check out a sample Closing Disclosure, which outlines terms and costs of your transaction.Here’s a review of many of the common fees. Origination: The fee the lender and any mortgage broker charges the borrower for making the mortgage loan. Origination services include taking and processing your loan applicationCLOSING DISCLOSURE
Closing Disclosure. At least three days before your closing, you should receive a Closing Disclosure, which is a five-page document that gives you more details about your loan, its key terms, and how much you are paying in fees and other costs to get your mortgage andbuy your home.
THE AMERICAN LAND TITLE ASSOCIATION The American Land Title Association. The American Land Title Association, founded in 1907, is the national trade association representing title insurance companies, title and settlement agents, independent abstracters, title searchers, and real estate attorneys.With offices throughout the United States, members conduct title searches, examinations, closings, and issue title insurance that THE FAQS OF TITLE INSURANCE FOR HOMEOWNERS There are two different types of title insurance: an owner’s policy and a lender’s policy. An owner’s policy is the best way to protect your property rights. Either the buyer or seller may pay for this policy. Ask your title professional how it’s handled in your area. A lender’s policy is usually required by the lender and only REAL ESTATE GLOSSARY The Home Closing 101 Real Estate Glossary provides simple definitions for some of the most common terms you can expect to hear during the closing process. This glossary is not exhaustive and may not be 100 percent accurate in all jurisdictions. These definitions are for general purposes only and should not be used for legal purposes. REAL-LIFE TITLE PROBLEMS Fraud and forgery are examples of hidden title hazards that can remain undetected until after a closing despite the most careful precautions. Although emphasizing risk elimination, an owner’s policy protects you financially through negotiation by the insurer with third-parties, payment for defending against an attack on the title as insured, and payment of valid claims. WHY 20% OF HOMEOWNERS MAY NOT SLEEP TONIGHTDEED OF TRUST
MARYLAND--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3021 1/01 (page 2 of 16 pages) (I) “Applicable Law” means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that ha ve the effect of law) as well as all applicable final, non-appealable judicialopinions.
LIST | HOME CLOSING 101 An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843CLOSING OPTIONS
Mail Away/Mobile Notary. The settlement provider sends the closing documents to the buyer and seller. A notary will then meet the parties at an agreed location to witness the signing and collect the documents. The buyers and sellers can also obtain their own notary and mail the documents back to the settlement provider after signing.THE CLOSING PROCESS
An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843 PROTECT YOUR PROPERTY RIGHTS You should have a policy to protect your investment as well. For a one-time fee paid at closing, an owner’s policy can protect your property rights for as long as you or your heirs own the property. There are two types of title insurance policies. As mentioned, the owner’s policy protects the homebuyer. A loan policy protects thelender.
REAL ESTATE GLOSSARY The Home Closing 101 Real Estate Glossary provides simple definitions for some of the most common terms you can expect to hear during the closing process. This glossary is not exhaustive and may not be 100 percent accurate in all jurisdictions. These definitions are for general purposes only and should not be used for legal purposes. FIND A COMPANY TO HELP YOU Find a Company to Help You. Closing your loan can vary from state to state, and even within the same county or city. Closings or settlements can be conducted by title companies, escrow companies, lenders, real estate brokers or attorneys. Be sure to ask how your closing/settlement will be handled.HOW TO FILE A CLAIM
How to File a Claim. An owner’s policy of title insurance provides the homeowner peace of mind about their legal rights to real property. If you have a question or concern about your rights, promptly notify the title insurance company whose name appears on the title policy. The title policy includes instructions for contacting the titleinsurer.
WHY 20% OF HOMEOWNERS MAY NOT SLEEP TONIGHT Why 20% of Homebuyers May Not Sleep Tonight. Each year, approximately 20% of homebuyers fail to protect themselves by not getting owner’s title insurance. Unfortunately, this leaves them exposed to serious financial risk—causing endless worry and regret. If you’re thinking of buying a home, here’s what you need to know to protectPROTECT YOUR MONEY
Protect Your Money. Buying and selling a home is an exciting time, but there can be pitfalls for unsuspecting consumers. You should be aware that criminals use wire fraud schemes to steal money meant for home purchases or the proceeds from the sale of the property. 7 REASONS WHY EVERY HOMEBUYER NEEDS OWNER’S TITLE An unknown heir of a previous owner who is claiming ownership of the property. 3. You Can’t Beat the Value. Owner’s title insurance is a one-time fee that’s very low relative to the value it provides. It typically costs around 0.5% of a home’s purchase price. 4. HOME CLOSING 101HOME MORTGAGE 101MORTGAGE CLOSING INC Buying a house is an exciting time. Learn what it takes to get the keys to your home and why you should purchase an owner’s title insurance policy to protect your property rights. LIST | HOME CLOSING 101 An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843CLOSING OPTIONS
Mail Away/Mobile Notary. The settlement provider sends the closing documents to the buyer and seller. A notary will then meet the parties at an agreed location to witness the signing and collect the documents. The buyers and sellers can also obtain their own notary and mail the documents back to the settlement provider after signing. CLOSING COSTS EXPLAINED Closing Costs Explained. There are costs associated with purchasing a home. Check out a sample Closing Disclosure, which outlines terms and costs of your transaction.Here’s a review of many of the common fees. Origination: The fee the lender and any mortgage broker charges the borrower for making the mortgage loan. Origination services include taking and processing your loan applicationTHE CLOSING PROCESS
An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843CLOSING DISCLOSURE
Closing Disclosure. At least three days before your closing, you should receive a Closing Disclosure, which is a five-page document that gives you more details about your loan, its key terms, and how much you are paying in fees and other costs to get your mortgage andbuy your home.
THE AMERICAN LAND TITLE ASSOCIATION The American Land Title Association. The American Land Title Association, founded in 1907, is the national trade association representing title insurance companies, title and settlement agents, independent abstracters, title searchers, and real estate attorneys.With offices throughout the United States, members conduct title searches, examinations, closings, and issue title insurance that REAL ESTATE GLOSSARY The Home Closing 101 Real Estate Glossary provides simple definitions for some of the most common terms you can expect to hear during the closing process. This glossary is not exhaustive and may not be 100 percent accurate in all jurisdictions. These definitions are for general purposes only and should not be used for legal purposes. REAL-LIFE TITLE PROBLEMS Fraud and forgery are examples of hidden title hazards that can remain undetected until after a closing despite the most careful precautions. Although emphasizing risk elimination, an owner’s policy protects you financially through negotiation by the insurer with third-parties, payment for defending against an attack on the title as insured, and payment of valid claims.DEED OF TRUST
MARYLAND--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3021 1/01 (page 2 of 16 pages) (I) “Applicable Law” means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that ha ve the effect of law) as well as all applicable final, non-appealable judicialopinions.
HOME CLOSING 101HOME MORTGAGE 101MORTGAGE CLOSING INC Buying a house is an exciting time. Learn what it takes to get the keys to your home and why you should purchase an owner’s title insurance policy to protect your property rights. LIST | HOME CLOSING 101 An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843CLOSING OPTIONS
Mail Away/Mobile Notary. The settlement provider sends the closing documents to the buyer and seller. A notary will then meet the parties at an agreed location to witness the signing and collect the documents. The buyers and sellers can also obtain their own notary and mail the documents back to the settlement provider after signing. CLOSING COSTS EXPLAINED Closing Costs Explained. There are costs associated with purchasing a home. Check out a sample Closing Disclosure, which outlines terms and costs of your transaction.Here’s a review of many of the common fees. Origination: The fee the lender and any mortgage broker charges the borrower for making the mortgage loan. Origination services include taking and processing your loan applicationTHE CLOSING PROCESS
An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843CLOSING DISCLOSURE
Closing Disclosure. At least three days before your closing, you should receive a Closing Disclosure, which is a five-page document that gives you more details about your loan, its key terms, and how much you are paying in fees and other costs to get your mortgage andbuy your home.
THE AMERICAN LAND TITLE ASSOCIATION The American Land Title Association. The American Land Title Association, founded in 1907, is the national trade association representing title insurance companies, title and settlement agents, independent abstracters, title searchers, and real estate attorneys.With offices throughout the United States, members conduct title searches, examinations, closings, and issue title insurance that REAL ESTATE GLOSSARY The Home Closing 101 Real Estate Glossary provides simple definitions for some of the most common terms you can expect to hear during the closing process. This glossary is not exhaustive and may not be 100 percent accurate in all jurisdictions. These definitions are for general purposes only and should not be used for legal purposes. REAL-LIFE TITLE PROBLEMS Fraud and forgery are examples of hidden title hazards that can remain undetected until after a closing despite the most careful precautions. Although emphasizing risk elimination, an owner’s policy protects you financially through negotiation by the insurer with third-parties, payment for defending against an attack on the title as insured, and payment of valid claims.DEED OF TRUST
MARYLAND--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3021 1/01 (page 2 of 16 pages) (I) “Applicable Law” means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that ha ve the effect of law) as well as all applicable final, non-appealable judicialopinions.
LIST | HOME CLOSING 101 An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843 COMPANIES | HOME CLOSING 101 Please find, below, a list of ALTA Member Title Companies that have offices in , or serve the whole state. You can start a new city search in or start a new state search . First American Title Insurance Company. Santa Ana, CA. Stewart Title Guaranty Company. Houston, TX. Please Note: The information included is provided for the purpose ofCLOSING OPTIONS
Mail Away/Mobile Notary. The settlement provider sends the closing documents to the buyer and seller. A notary will then meet the parties at an agreed location to witness the signing and collect the documents. The buyers and sellers can also obtain their own notary and mail the documents back to the settlement provider after signing. FIND A COMPANY TO HELP YOU Find a Company to Help You. Closing your loan can vary from state to state, and even within the same county or city. Closings or settlements can be conducted by title companies, escrow companies, lenders, real estate brokers or attorneys. Be sure to ask how your closing/settlement will be handled. REAL ESTATE GLOSSARY The Home Closing 101 Real Estate Glossary provides simple definitions for some of the most common terms you can expect to hear during the closing process. This glossary is not exhaustive and may not be 100 percent accurate in all jurisdictions. These definitions are for general purposes only and should not be used for legal purposes. PROTECT YOUR PROPERTY RIGHTS You should have a policy to protect your investment as well. For a one-time fee paid at closing, an owner’s policy can protect your property rights for as long as you or your heirs own the property. There are two types of title insurance policies. As mentioned, the owner’s policy protects the homebuyer. A loan policy protects thelender.
HOW TO FILE A CLAIM
How to File a Claim. An owner’s policy of title insurance provides the homeowner peace of mind about their legal rights to real property. If you have a question or concern about your rights, promptly notify the title insurance company whose name appears on the title policy. The title policy includes instructions for contacting the titleinsurer.
PROTECT YOUR MONEY
Protect Your Money. Buying and selling a home is an exciting time, but there can be pitfalls for unsuspecting consumers. You should be aware that criminals use wire fraud schemes to steal money meant for home purchases or the proceeds from the sale of the property. 7 REASONS WHY EVERY HOMEBUYER NEEDS OWNER’S TITLE An unknown heir of a previous owner who is claiming ownership of the property. 3. You Can’t Beat the Value. Owner’s title insurance is a one-time fee that’s very low relative to the value it provides. It typically costs around 0.5% of a home’s purchase price. 4.DEED OF TRUST
MARYLAND--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3021 1/01 (page 2 of 16 pages) (I) “Applicable Law” means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that ha ve the effect of law) as well as all applicable final, non-appealable judicialopinions.
HOME CLOSING 101HOME MORTGAGE 101MORTGAGE CLOSING INC Buying a house is an exciting time. Learn what it takes to get the keys to your home and why you should purchase an owner’s title insurance policy to protect your property rights. LIST | HOME CLOSING 101 An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843CLOSING OPTIONS
Mail Away/Mobile Notary. The settlement provider sends the closing documents to the buyer and seller. A notary will then meet the parties at an agreed location to witness the signing and collect the documents. The buyers and sellers can also obtain their own notary and mail the documents back to the settlement provider after signing. CLOSING COSTS EXPLAINED Closing Costs Explained. There are costs associated with purchasing a home. Check out a sample Closing Disclosure, which outlines terms and costs of your transaction.Here’s a review of many of the common fees. Origination: The fee the lender and any mortgage broker charges the borrower for making the mortgage loan. Origination services include taking and processing your loan applicationTHE CLOSING PROCESS
An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843CLOSING DISCLOSURE
Closing Disclosure. At least three days before your closing, you should receive a Closing Disclosure, which is a five-page document that gives you more details about your loan, its key terms, and how much you are paying in fees and other costs to get your mortgage andbuy your home.
THE AMERICAN LAND TITLE ASSOCIATION The American Land Title Association. The American Land Title Association, founded in 1907, is the national trade association representing title insurance companies, title and settlement agents, independent abstracters, title searchers, and real estate attorneys.With offices throughout the United States, members conduct title searches, examinations, closings, and issue title insurance that REAL ESTATE GLOSSARY The Home Closing 101 Real Estate Glossary provides simple definitions for some of the most common terms you can expect to hear during the closing process. This glossary is not exhaustive and may not be 100 percent accurate in all jurisdictions. These definitions are for general purposes only and should not be used for legal purposes. REAL-LIFE TITLE PROBLEMS Fraud and forgery are examples of hidden title hazards that can remain undetected until after a closing despite the most careful precautions. Although emphasizing risk elimination, an owner’s policy protects you financially through negotiation by the insurer with third-parties, payment for defending against an attack on the title as insured, and payment of valid claims.DEED OF TRUST
MARYLAND--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3021 1/01 (page 2 of 16 pages) (I) “Applicable Law” means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that ha ve the effect of law) as well as all applicable final, non-appealable judicialopinions.
HOME CLOSING 101HOME MORTGAGE 101MORTGAGE CLOSING INC Buying a house is an exciting time. Learn what it takes to get the keys to your home and why you should purchase an owner’s title insurance policy to protect your property rights. LIST | HOME CLOSING 101 An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843CLOSING OPTIONS
Mail Away/Mobile Notary. The settlement provider sends the closing documents to the buyer and seller. A notary will then meet the parties at an agreed location to witness the signing and collect the documents. The buyers and sellers can also obtain their own notary and mail the documents back to the settlement provider after signing. CLOSING COSTS EXPLAINED Closing Costs Explained. There are costs associated with purchasing a home. Check out a sample Closing Disclosure, which outlines terms and costs of your transaction.Here’s a review of many of the common fees. Origination: The fee the lender and any mortgage broker charges the borrower for making the mortgage loan. Origination services include taking and processing your loan applicationTHE CLOSING PROCESS
An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843CLOSING DISCLOSURE
Closing Disclosure. At least three days before your closing, you should receive a Closing Disclosure, which is a five-page document that gives you more details about your loan, its key terms, and how much you are paying in fees and other costs to get your mortgage andbuy your home.
THE AMERICAN LAND TITLE ASSOCIATION The American Land Title Association. The American Land Title Association, founded in 1907, is the national trade association representing title insurance companies, title and settlement agents, independent abstracters, title searchers, and real estate attorneys.With offices throughout the United States, members conduct title searches, examinations, closings, and issue title insurance that REAL ESTATE GLOSSARY The Home Closing 101 Real Estate Glossary provides simple definitions for some of the most common terms you can expect to hear during the closing process. This glossary is not exhaustive and may not be 100 percent accurate in all jurisdictions. These definitions are for general purposes only and should not be used for legal purposes. REAL-LIFE TITLE PROBLEMS Fraud and forgery are examples of hidden title hazards that can remain undetected until after a closing despite the most careful precautions. Although emphasizing risk elimination, an owner’s policy protects you financially through negotiation by the insurer with third-parties, payment for defending against an attack on the title as insured, and payment of valid claims.DEED OF TRUST
MARYLAND--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3021 1/01 (page 2 of 16 pages) (I) “Applicable Law” means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that ha ve the effect of law) as well as all applicable final, non-appealable judicialopinions.
LIST | HOME CLOSING 101 An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843 COMPANIES | HOME CLOSING 101 Please find, below, a list of ALTA Member Title Companies that have offices in , or serve the whole state. You can start a new city search in or start a new state search . First American Title Insurance Company. Santa Ana, CA. Stewart Title Guaranty Company. Houston, TX. Please Note: The information included is provided for the purpose ofCLOSING OPTIONS
Mail Away/Mobile Notary. The settlement provider sends the closing documents to the buyer and seller. A notary will then meet the parties at an agreed location to witness the signing and collect the documents. The buyers and sellers can also obtain their own notary and mail the documents back to the settlement provider after signing. FIND A COMPANY TO HELP YOU Find a Company to Help You. Closing your loan can vary from state to state, and even within the same county or city. Closings or settlements can be conducted by title companies, escrow companies, lenders, real estate brokers or attorneys. Be sure to ask how your closing/settlement will be handled. REAL ESTATE GLOSSARY The Home Closing 101 Real Estate Glossary provides simple definitions for some of the most common terms you can expect to hear during the closing process. This glossary is not exhaustive and may not be 100 percent accurate in all jurisdictions. These definitions are for general purposes only and should not be used for legal purposes. PROTECT YOUR PROPERTY RIGHTS You should have a policy to protect your investment as well. For a one-time fee paid at closing, an owner’s policy can protect your property rights for as long as you or your heirs own the property. There are two types of title insurance policies. As mentioned, the owner’s policy protects the homebuyer. A loan policy protects thelender.
HOW TO FILE A CLAIM
How to File a Claim. An owner’s policy of title insurance provides the homeowner peace of mind about their legal rights to real property. If you have a question or concern about your rights, promptly notify the title insurance company whose name appears on the title policy. The title policy includes instructions for contacting the titleinsurer.
PROTECT YOUR MONEY
Protect Your Money. Buying and selling a home is an exciting time, but there can be pitfalls for unsuspecting consumers. You should be aware that criminals use wire fraud schemes to steal money meant for home purchases or the proceeds from the sale of the property. 7 REASONS WHY EVERY HOMEBUYER NEEDS OWNER’S TITLE An unknown heir of a previous owner who is claiming ownership of the property. 3. You Can’t Beat the Value. Owner’s title insurance is a one-time fee that’s very low relative to the value it provides. It typically costs around 0.5% of a home’s purchase price. 4.DEED OF TRUST
MARYLAND--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3021 1/01 (page 2 of 16 pages) (I) “Applicable Law” means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that ha ve the effect of law) as well as all applicable final, non-appealable judicialopinions.
HOME CLOSING 101HOME MORTGAGE 101MORTGAGE CLOSING INC Buying a house is an exciting time. Learn what it takes to get the keys to your home and why you should purchase an owner’s title insurance policy to protect your property rights. LIST | HOME CLOSING 101 An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843CLOSING OPTIONS
Mail Away/Mobile Notary. The settlement provider sends the closing documents to the buyer and seller. A notary will then meet the parties at an agreed location to witness the signing and collect the documents. The buyers and sellers can also obtain their own notary and mail the documents back to the settlement provider after signing. CLOSING COSTS EXPLAINED Closing Costs Explained. There are costs associated with purchasing a home. Check out a sample Closing Disclosure, which outlines terms and costs of your transaction.Here’s a review of many of the common fees. Origination: The fee the lender and any mortgage broker charges the borrower for making the mortgage loan. Origination services include taking and processing your loan applicationTHE CLOSING PROCESS
An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843CLOSING DISCLOSURE
Closing Disclosure. At least three days before your closing, you should receive a Closing Disclosure, which is a five-page document that gives you more details about your loan, its key terms, and how much you are paying in fees and other costs to get your mortgage andbuy your home.
THE AMERICAN LAND TITLE ASSOCIATION The American Land Title Association. The American Land Title Association, founded in 1907, is the national trade association representing title insurance companies, title and settlement agents, independent abstracters, title searchers, and real estate attorneys.With offices throughout the United States, members conduct title searches, examinations, closings, and issue title insurance that REAL ESTATE GLOSSARY The Home Closing 101 Real Estate Glossary provides simple definitions for some of the most common terms you can expect to hear during the closing process. This glossary is not exhaustive and may not be 100 percent accurate in all jurisdictions. These definitions are for general purposes only and should not be used for legal purposes. REAL-LIFE TITLE PROBLEMS Fraud and forgery are examples of hidden title hazards that can remain undetected until after a closing despite the most careful precautions. Although emphasizing risk elimination, an owner’s policy protects you financially through negotiation by the insurer with third-parties, payment for defending against an attack on the title as insured, and payment of valid claims.DEED OF TRUST
MARYLAND--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3021 1/01 (page 2 of 16 pages) (I) “Applicable Law” means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that ha ve the effect of law) as well as all applicable final, non-appealable judicialopinions.
HOME CLOSING 101HOME MORTGAGE 101MORTGAGE CLOSING INC Buying a house is an exciting time. Learn what it takes to get the keys to your home and why you should purchase an owner’s title insurance policy to protect your property rights. LIST | HOME CLOSING 101 An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843CLOSING OPTIONS
Mail Away/Mobile Notary. The settlement provider sends the closing documents to the buyer and seller. A notary will then meet the parties at an agreed location to witness the signing and collect the documents. The buyers and sellers can also obtain their own notary and mail the documents back to the settlement provider after signing. CLOSING COSTS EXPLAINED Closing Costs Explained. There are costs associated with purchasing a home. Check out a sample Closing Disclosure, which outlines terms and costs of your transaction.Here’s a review of many of the common fees. Origination: The fee the lender and any mortgage broker charges the borrower for making the mortgage loan. Origination services include taking and processing your loan applicationTHE CLOSING PROCESS
An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843CLOSING DISCLOSURE
Closing Disclosure. At least three days before your closing, you should receive a Closing Disclosure, which is a five-page document that gives you more details about your loan, its key terms, and how much you are paying in fees and other costs to get your mortgage andbuy your home.
THE AMERICAN LAND TITLE ASSOCIATION The American Land Title Association. The American Land Title Association, founded in 1907, is the national trade association representing title insurance companies, title and settlement agents, independent abstracters, title searchers, and real estate attorneys.With offices throughout the United States, members conduct title searches, examinations, closings, and issue title insurance that REAL ESTATE GLOSSARY The Home Closing 101 Real Estate Glossary provides simple definitions for some of the most common terms you can expect to hear during the closing process. This glossary is not exhaustive and may not be 100 percent accurate in all jurisdictions. These definitions are for general purposes only and should not be used for legal purposes. REAL-LIFE TITLE PROBLEMS Fraud and forgery are examples of hidden title hazards that can remain undetected until after a closing despite the most careful precautions. Although emphasizing risk elimination, an owner’s policy protects you financially through negotiation by the insurer with third-parties, payment for defending against an attack on the title as insured, and payment of valid claims.DEED OF TRUST
MARYLAND--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3021 1/01 (page 2 of 16 pages) (I) “Applicable Law” means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that ha ve the effect of law) as well as all applicable final, non-appealable judicialopinions.
LIST | HOME CLOSING 101 An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843 COMPANIES | HOME CLOSING 101 Please find, below, a list of ALTA Member Title Companies that have offices in , or serve the whole state. You can start a new city search in or start a new state search . First American Title Insurance Company. Santa Ana, CA. Stewart Title Guaranty Company. Houston, TX. Please Note: The information included is provided for the purpose ofCLOSING OPTIONS
Mail Away/Mobile Notary. The settlement provider sends the closing documents to the buyer and seller. A notary will then meet the parties at an agreed location to witness the signing and collect the documents. The buyers and sellers can also obtain their own notary and mail the documents back to the settlement provider after signing. FIND A COMPANY TO HELP YOU Find a Company to Help You. Closing your loan can vary from state to state, and even within the same county or city. Closings or settlements can be conducted by title companies, escrow companies, lenders, real estate brokers or attorneys. Be sure to ask how your closing/settlement will be handled. REAL ESTATE GLOSSARY The Home Closing 101 Real Estate Glossary provides simple definitions for some of the most common terms you can expect to hear during the closing process. This glossary is not exhaustive and may not be 100 percent accurate in all jurisdictions. These definitions are for general purposes only and should not be used for legal purposes. PROTECT YOUR PROPERTY RIGHTS You should have a policy to protect your investment as well. For a one-time fee paid at closing, an owner’s policy can protect your property rights for as long as you or your heirs own the property. There are two types of title insurance policies. As mentioned, the owner’s policy protects the homebuyer. A loan policy protects thelender.
HOW TO FILE A CLAIM
How to File a Claim. An owner’s policy of title insurance provides the homeowner peace of mind about their legal rights to real property. If you have a question or concern about your rights, promptly notify the title insurance company whose name appears on the title policy. The title policy includes instructions for contacting the titleinsurer.
PROTECT YOUR MONEY
Protect Your Money. Buying and selling a home is an exciting time, but there can be pitfalls for unsuspecting consumers. You should be aware that criminals use wire fraud schemes to steal money meant for home purchases or the proceeds from the sale of the property. 7 REASONS WHY EVERY HOMEBUYER NEEDS OWNER’S TITLE An unknown heir of a previous owner who is claiming ownership of the property. 3. You Can’t Beat the Value. Owner’s title insurance is a one-time fee that’s very low relative to the value it provides. It typically costs around 0.5% of a home’s purchase price. 4.DEED OF TRUST
MARYLAND--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3021 1/01 (page 2 of 16 pages) (I) “Applicable Law” means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that ha ve the effect of law) as well as all applicable final, non-appealable judicialopinions.
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Buying a house is an exciting time. Learn what it takes to get the keys to your home and why you should purchase an owner’s title insurance policy to protect your property rights.THE CLOSING PROCESS
Find out what to expect during the closing process and how to prepare so you can get the keys to your home. PROTECT YOUR PROPERTY RIGHTS An owner’s title insurance policy protects a homeowner’s financial investment in a property. Make the smart decision and for a one-time fee get protection for as long as you own your home. FINDING A COMPANY TO HELP YOU There are many factors to consider when selecting a title insurance company, such as local expertise, service standards, market conduct and commitment to the community. Select from a list of American Land Title Association member companies that serve your area.NEWS AND ADVICE
Check out our blog for additional information on why purchasing an owner’s title insurance policy is a smart decision to protect the financial investment you have in your home. FIND A TITLE COMPANY Find a list of American Land Title Association member companies that can conduct your closing and issue you an owner's policy to protect your property rights.Search Now
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* Honest Abe Lost His Home—Twice * Closing Time: 6 Steps Every Homebuyer Should Expect * The Cost of Title Insurance is Worth the Investment An Educational Initiative of the American Land Title Association 1800 M Street, NW, Suite 300S • Washington, D.C. 20036-5828 • P. 202.296.3671 • F. 202.223.5843 • www.alta.org • service@alta.orgDetails
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