Home Finding Guide with Sam Ratner by BHHS PenFed Realty

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Finding Guide WITH PENFED REALTY, IT'S POSSIBLE

A home is one of the most important assets that most people will ever buy. Homes are also where memories are made and you want to

Inc work with someone you can trust.

– Warren Buffett,

Chairman and CEO, Berkshire Hathaway

About Me

Sam Ratner

SALES REPRESENTATIVE

sam.ratner@penfedrealty.com 302-249-8799(c) 302-227-6554(o)

37230RehobothAvenueExt RehobothBeach,DE19971 samratner penfedrealty com

With a passion for real estate and a commitment to excellence, I bring a wealth of knowledge and expertise to every client interaction As a licensed real estate professional, I am deeply invested in helping you navigate the complexities of the market with ease and confidence Whether you're buying, selling, or investing, I prioritize your goals and tailor my approach to meet your unique needs With a focus on clear communication and unwavering integrity, I strive to be your trusted advisor every step of the way As a Lewes and Rehoboth native, I am very in tune with everything happening in the beach area Born and raised in Lewes, I enjoy every aspect of the beach including surfing, local eateries and music, and enjoying time with my family and friends Together, let's make your real estate dreams a reality I'm here for you in all things home

What is a Forever Agent℠?

A Forever Agent℠ is a Berkshire Hathaway HomeServices network real estate professional who believes that real estate is not just about a transaction Network Forever Agents℠ develop a forever relationship with clients, and it’s why we’ll forever support you We’re here to guide you throughout your homeownership journey, wherever it may lead, and deliver a highly customized home buying experience that doesn’t start (or end) when we find your perfect home Real estate is even more than the joy and happiness of “welcome home ” Real estate is a relationship, and that lasts forever

Client Testimonials

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About Berkshire Hathaway HomeServices

Berkshire Hathaway HomeServices is a global real estate brokerage franchise that is boldly focused on building a personally connected future through relationship-driven business, with best-in-class leadership, mentorships, business tools and a worldwide network that is committed to making a lasting impact through lifelong relationships

With approximately 50,000 real estate professionals and more than 1,500 offices across 4 continents and 13 countries and territories including the U S , Canada, Mexico, Europe, the Middle East, the Caribbean and India, the network completed more than $126.9 billion in real estate sales last year. Among the organizations entrusted to use the world-renowned Berkshire Hathaway name, the network brings to the real estate market a definitive mark of trust, integrity, stability and longevity.

BERKSHIRE HATHAWAY WORLD'S MOST ADMIRED COMPANIES

Sam

Ratner

302-227-6554

About PenFed Realty

Berkshire Hathaway HomeServices PenFed Realty is a wholly-owned subsidiary of PenFed Credit Union - one of the country’s strongest and most stable financial institutions Established in 1935, PenFed Credit Union is America’s second-largest federal credit union, serving 2 9 million members worldwide with $35 billion in assets PenFed Credit Union has members in all 50 states and the District of Columbia, plus military bases in U S territories

PenFed Realty was established in 2006 and has since steadily increased its presence and expanded its market share across multiple states We have over 70 offices and over 2,000 sales professionals in Maryland, Virginia, Washington, D C , West Virginia, Delaware, Pennsylvania, Florida, Kansas, Tennessee, and Texas offering services for residential and commercial properties and have earned the Berkshire Elite designation, reserved for only the top companies in the nationwide network

Who We Are

TRUST is more than just a catchword It’s at the very core of the relationships we build with buyers and sellers every day And it’s why thousands of clients have found their perfect home by placing their trust in us

Our Vision

To be the premier provider of real estate services in the markets we serve

Our Mission

To provide a gateway to an enhanced quality of life and better financial opportunities for our real estate clients, sales professionals, and employees

Our Core Values INTEGRITY

INNOVATION IMPROVEMENT

Better Together

Our partners create a streamlined experience for you Together we have a vested interest in expediting your home buying and selling process Our unified efforts assure a positive closing

Buying a property is a step by step process. Let’s walk through it together:

Completing the Transaction Welcome Home Know Your Buying Power 1 2 3 5 7 8 4 6

Choosing a Brokerage & REALTOR®

Finding Your Home

Making an Offer

Inspection & Appraisal

Client for Life

The Value of Working With a Buyer Agent

A Buyer Agent is not just a Home Finder

Trusted Advisor

A client’s advocate and representative

A relationship with someone who understands a client’s wants & needs and works to promote their best interests.

Market Expert

Someone who knows the inventory and product including details about the neighborhoods, state and local ordinances, local economics, the mortgage process, and industry trends

Negotiator

A professional who provides a buffer and removes emotion from negotiations Buyers want the experience and knowledge that REALTORS® provide in negotiating a sale.

Contract-to-Close

Someone with experience in managing and monitoring the contract-to-close process with inspectors, appraisers, contractors, lenders, insurance companies, warranty and settlement companies

Before we can get started touring homes or assisting with any real estate needs, we need to complete a written agreement to become your official Buyer Agent

How I Work For You

Enlist the expertise of a trusted advisor to act as your representative and champion.

The best decision you can make when buying a new home is to choose an expert, trustworthy professional committed to representing you through the process As your representative:

I will work for you

You will have the advantage of my service, counsel, expertise and total commitment to achieving your home-buying goals.

I will provide you with specifics. This includes information about each home’s location, property values, offering price, negotiations, counter-offers, contingencies and financing

I will prepare you for the process

The process could become complex and arduous My job is to make it as stress-free as possible

I will protect you and your interests

For my clients, my job is to protect your best interests and safeguard your financial and personal information with the highest level of confidentiality

2 Know Your Buying Power

Finding and buying the right home begins with determining how much you can afford. Realistically assessing your finances upfront will streamline the home-finding process For a majority of Americans today, purchasing a home means obtaining a home loan or mortgage, which means selecting a lender and getting pre-approved for a loan

Pre-Approval

A pre-approval is the foundation needed to start your property search Being pre-approved at the outset strengthens your offer when competing with other buyers and helps you understand what you can afford Most of all, it gives you peace of mind that once you find a property you love, you can qualify for the financing needed to purchase it

In addition, being pre-approved allows you to focus in on the properties within your budget, and saves valuable time At any given moment, there are hundreds of properties available for sale Without a tight focus, you may miss out on something special!

COMMON FINANCING TERMS

ADJUSTABLE RATE MORTGAGE

A type of home loan with an interest rate that can change periodically For an ARM, the interest rate is typically lower than a fixed-rate mortgage initially, but it can increase or decrease over time

APPRAISAL

An analysis performed by a qualified individual to determine the estimated value of a home

INTEREST RATE

The cost of borrowing a lender's money Interest takes into account the risk and cost to the lender for a loan On a fixed rate mortgage, the rate depends on the going market rate and how many discount points you pay up-front

LOAN ORIGINATION

The process by which a mortgage lender creates a mortgage secured by real property

PRINCIPAL

The actual balance, excluding interest, of a mortgage loan Also refers to the amount of the monthly mortgage payment that will be applied to the actual balance

PRIVATE MORTGAGE INSURANCE

Often referred to as PMI, this is to protect the mortgage lender against losses that might be incurred if a loan defaults The cost of the insurance is usually paid by the borrower and is most often required if the loan amount is more than 80% of the home's value

PROPERTY TAXES

Taxes are based on the assessed value of the home, paid by the homeowner for community services such as schools, public works, and other costs of local government

These are sometimes paid as a part of the monthly mortgage payment

RATE LOCK

A written agreement in which a lender guarantees a specific interest rate if a loan closes within a set period of time

The lock-in may also specify the number of discount points to be paid at closing

Choosing a Mortgage Lender

Who you partner with matters. It is important to select a mortgage lender that specializes in quality customer service and loan options Their knowledge of the market, attention to detail, and focus on customer service are vital for a smooth transaction They will also educate you and help you feel comfortable about the mortgage process every step of the way.

The Loan Process

Expect the lender to ask for standard information regarding your income, expenses and obligations Your lender will walk you through the pre-approval process and provide all the necessary forms, which may include:

Bank Statements

Tax Documents

W-2 forms

Credit Report

Your lender will also review the various financing options available to you, including:

Fixed-rate mortgage

Adjustable-rate mortgage (ARM)

Government-assisted (FHA or VA) financing

Seller-assisted financing

3 Finding Your Home

Let’s make your dreams a reality

There are a lot of moving parts when it comes to your next move As your Forever Agent℠ , I’m with you every step of the way, from the first meeting to your move-in day and beyond. Every home search experience is unique to your needs, so we need to understand your needs and what you're looking for to find your perfect home This includes your budget determined from the pre-approval process, preferred location, and any specific features you may want

Defining

your lifestyle

What style home do you love?

What does your dream community look like?

How large of a home do you want?

Will your favorite restaurants or activities be nearby?

Are you a DIY-er or do you want it move-in ready?

How long do you think you will stay in your new home?

Defining your community

What kind do you want? Rural? Suburban? Urban? Small town? Downtown?

What natural features are important? Hills? Lakes? Woods? Trees?

Where will you work? Is it important that you live nearby?

If not, how would you commute and how long would it take?

How I can help guide you in your home search:

ARE HOMES SELLING QUICKLY IN YOUR DESIRED AREAS?

This will help you decide how aggressive you need to be with an offer and how fast you need to make a decision.

WHAT ARE THE AVERAGE PRICES FOR THE HOMES YOU ARE INTERESTED IN?

This could help you determine what your monthly mortgage payment could be.

DO MARKET TRENDS INDICATE A FUTURE INCREASE IN VALUE?

Although we don't possess a crystal ball to predict the future, analyzing current market trends allows me to assess conditions and provide you with informed guidance on your decisions

Search Alerts

My website is easy to use and offers several powerful search options to customize your search I can send personalized property emails to notify you of new property listings that match your criteria; this will allow you to save homes that you’d like to tour.

New Construction

When considering a New Construction home, it's important to research the quality of the builder by exploring reviews or visiting their past communities Builders often offer various loan programs with incentives for buyers, and most new communities include a Homeowners Association (HOA) There may also be spec homes available for purchase – a new house that a builder constructs with the intention of selling, rather than building it for a specific buyer Since they are already completed or near completion, buyers can move in quickly after purchase, without waiting for the full construction process to finish

First Time Homebuyers

Before buying your first home, ensure you're prepared for the responsibilities of homeownership, including maintenance, potential renovations, property taxes and other costs. Start by checking your credit score early and working to pay off debts to improve your debt-to-income (DTI) ratio

Save for the down payment and closing costs, and research first-time homebuyer and down payment assistance programs to help with these expenses

4 Making The Offer

Once we ’ ve identified the property that works best for you, it’s time to submit an offer.

To make an offer on a home, I must submit a written proposal on your behalf Together we’ll:

Determine the price to offer

Decide other issues important to you including; items of personal property you’d like included, home warranty service plan, inspections, repairs, lien search, etc

Decide on a settlement and possession date

Some common questions I receive include:

How much should I offer on a house?

The amount you should offer on a house depends on several factors such as local market conditions, recent sales in the area, the home's condition, and the Seller's motivation I can provide a comparative market analysis (CMA) to help determine a competitive offer

Can I offer less than the asking price?

Yes, you can offer less than the asking price. However, be prepared for the seller to counteroffer, and have a strategy in place for negotiations

What is an earnest money deposit?

An earnest money deposit is a ‘good faith’ deposit that accompanies your offer to show the seller you are serious about purchasing their home The amount varies, but is typically 1-3% of the purchase price This deposit is usually held in an escrow account and is applied to your down payment or closing costs at settlement

What are contingencies?

Contingencies are conditions written into your offer that must be met before the transaction can go through. Common contingencies include a successful home inspection, appraisal, obtaining financing, and the sale of your current home

How long does a seller have to respond to my offer?

The response time can vary, but it's typically within 24-48 hours The offer can specify a deadline for acceptance and I can follow up with the Seller's Agent to ensure a timely response

What happens if the seller rejects my offer?

If the seller rejects your offer, they may do so outright or with a counteroffer to continue negotiations If it's an outright rejection, you can choose to submit a new offer or look for another property If it's a counteroffer, you can accept it, decline it, or make another counteroffer

Can I withdraw my offer?

Yes, you can withdraw your offer at any point until it is formally accepted and all parties have signed the contract Once the contract is signed by both the buyer and the seller, it becomes legally binding

What happens when my offer is accepted?

When your offer is accepted, you will move into the escrow process This is the period of time to fulfill any contingencies, finalize your mortgage, and prepare for settlement I will help you navigate this process

The questions above are just a sample of the most commonly asked questions about offers. For more detailed information, consult with me your Forever Agent℠ .

5 Inspection, Appraisal & Protecting Your Interests

When you’re my client, your success is my success Your goals are my goals Your interests are my interests Here are just a few ways to help the home buying process remain stress- and trouble-free:

A written property disclosure statement from the seller that will reveal any problems with the house and/or surrounding area

Professional inspections that could reveal structural, roof, termite and other problems that we can negotiate with the seller to fix

A home warranty service plan to give you peace of mind by providing repair-or-replace coverage of major home operating systems and appliances

A preliminary title report that may identify any problems with the property’s title

A title insurance policy to protect your rights to the property

A walk-through before closing that will allow you to make sure all required work has been taken care of and that the property is ready to officially become yours

Inspection

What should Inspectors check?

Among other things, Inspectors should look at the physical structure and systems of the home and its surrounding property. This includes the roof, gutters, chimney, electrical, plumbing, heating/cooling systems, septic tanks, ventilation, fire protection systems, windows, flooring, foundation, insulation, major and built-in appliances, doors, siding, and more Some Inspectors can also determine if there’s any mold or dry rot damage to the home, as well as pest infestations or other potential hazards

Appraisal

Your lender will arrange for an independent appraiser to provide an estimate of the house you are purchasing. The appraiser decides if the agreed upon cost is a fair price for the property. When purchasing a home, it’s required by most lenders to have an appraisal done to ensure the value of the property is consistent with what you are paying for it Once approved, expect to receive a letter confirming your loan terms and final rate selection

How is a Home Appraisal Conducted?

1 The appraiser will research recent sales of similar properties in the area to compare prices. These properties, known as comparables or "comps," should be similar in size, location, and condition to the property being appraised

The appraiser visits the property to assess its condition, size, and features They will look at the exterior and interior, including the number of bedrooms and bathrooms, the layout, and the overall quality of construction and materials

2. The appraiser considers current market trends and the overall economic environment This includes the supply and demand for homes in the area, interest rates, and any other factors that might influence property values

3 The appraiser compiles all the gathered information into a detailed report indicating an appraised value.

Factors That Influence a Home's Appraised Value

Size and Layout: Larger homes with more bedrooms and bathrooms typically have higher values

Condition: Well-maintained homes are usually valued higher than those in poor condition.

Age of the Property: Newer homes might appraise higher due to modern construction

Upgrades and Improvements: Recent renovations or upgrades can increase a home's value

Market Trends: Current real estate market conditions can cause values to rise or fall

Location: Proximity to schools, parks, shopping centers, and other amenities.

6 Completing the Transaction

Theclosingprocess(sometimesreferredtoassettlement)will typicallytakeanywherefrom15daysto90days,dependingon thecomplexityofthetransactionandstepsinvolvedinthe particularhomesale.I’llworkwitheverypartyinvolvedinthe transactiontoensureitisasstreamlined,smooth,and straightforwardaspossible.Iwillprovide:

Adetailedexplanationofallthestepsthatoccurand comprehensiveanswerstoanyquestionsyoumayhave throughoutthehomebuyingprocess

Effectivecollaborationwiththeseller’sbrokeranddiligent oversighttoworktoensurethattheyfulfilltheir responsibilitiesunderthecontract

Constantcommunicationwiththesettlementofficer,title officer,lenderandotherstohelpcoordinateallactivitiesand keepthetransactionmovingforward

Updatesabouttheprogressofthetransactiononaregular basissoyoucanstayinformedandasworry-freeaspossible

Closing will likely be held at the office of the title company, attorney, or the lender Your settlement officer will provide you with a list of adjustments which include money you owe and what credits are due There will be closing costs due to the lender, and you will receive the disclosure prior to settlement day The deed will be recorded in the time required for your state/jurisdiction You will sign the mortgage and promissory note (along with lots of other paperwork!) Then you will receive the keys to your new home!

Confirm the date, time, and place I’ll provide a checklist of items to bring

Make sure all necessary inspections are complete

Make sure all required repairs are complete.

Perform final walk-through

Ensure your home insurance policy is in effect on closing day

Obtain closing cost amount from closing sales professional

Confirm wiring instructions or what type of certified funds you are using

Obtain receipts for all items you paid for.

Locate Government-issued photo IDs

What to Bring on Settlement Day

Government-issued photo ID

A certified or cashier’s check in the amount of closing costs

due or proof of a wire transfer

Checkbook to cover any cost differences

Your Closing Disclosure

Proof of your homeowners’ insurance

Never trust wiring instructions sent via email Cyber criminals are hacking email accounts and sending emails with fake wiring instructions These emails are convincing and sophisticated Always independently confirm wiring instructions in person or via a telephone call to a trusted and verified phone number Never wire money without double-checking that the wiring instructions are correct

7 Home

You did it! The keys are yours! Here are some things to consider after you’ve made the move to your new home If you need recommendations during this time, I can suggest local professionals for many new homeowner services!

Change locks/door codes

Change garage door codes

Review home security requirements and systems

Make your new home yours with new home furnishings, appliances, and interior decorating

Consider plans for landscaping design, installation, and maintenance

Build new memories!

8 Client for Life

Forever guiding you

The relationship between Agent and Client doesn’t end at the closing table – I’m here for you in all things home Whether it’s a handyman recommendation or a question about paint colors, feel free to reach out with any questions or guidance you may need.

Choosing a dedicated agent to assist you in buying a home can make all the difference in ensuring a smooth and successful process From expert guidance and negotiation skills to ongoing support beyond the closing table, I will be your trusted partner every step of the way. Don't miss out on the invaluable benefits and peace of mind that come with having a skilled professional by your side – make the smart choice and let me help find your dream home!

A Berkshire Hathaway HomeServices Forever Agent℠ is forever by your side.

A Culture of Giving

The Sunshine Kids is a non-profit organization dedicated to children with cancer Established in 1982, they are committed to providing positive group activities and emotional support for young cancer patients The Sunshine Kids provides a variety of programs and events, free of charge, for Kids who are receiving cancer treatments in hospitals across North America To date, our network has contributed more than $40 million through various fundraising activities

The PenFed Foundation for Military Heroes is a 501(c)3 nonprofit with a mission to empower military service members, veterans and their communities with the skills and resources to realize financial stability and opportunity Since 2001, the PenFed Foundation has provided more than $38 5 million in financial support to more than 140,000 military families Thanks to the generosity of the PenFed Credit Union which pays the majority of Foundation overhead, more than 95% of each donation goes directly to support our programs

Glossary/List of Terms

AMORTIZATION

The process of paying off a loan over time in equal installments that include both principal and interest

ANNUAL PERCENTAGE RATE (APR)

Your interest percentage plus loan fees divided by your loan amount

APPRAISAL

A professional analysis used to determine the actual value of the home

BUYER'S AGENT

Assists the interests of the person buying the home They will provide assistance to the buyer during the home purchase process

CLOSING

This means you finally made it! When you sign all the documents the home is now officially yours!

CLOSING DISCLOSURE

A document from your lender as an estimate prior to closing of all the costs associated with the purchase of the property

CLOSING STATEMENT

It provides the sales price and down payment, as well as the total settlement costs required from the buyer and seller

CONDOMINIUM (CONDO)

A type of housing where owners own individual units but common areas are maintained by a condo association representing all owners

CREDIT LINE

A line of credit is any credit source extended to a person This includes a car loan, personal loan, credit cards or any situation where you have borrowed money for the purchase of an item

CREDIT

REPORT

This lets the bank know your loan payment history and helps determine what interest rate you qualify for.

DOWN PAYMENT

Cash you need at closing to buy your home.

EARNEST MONEY DEPOSIT

A deposit to show that you're committed to buying the home The deposit usually will not be refunded to you after the seller accepts your offer, unless one of the sales contract contingencies is not fulfilled

EQUITY

The value in your home above what you owe on it! If you owe $100,000 on your house but it is worth $130,000, you have $30,000 of equity.

ESCROW

Account set up to hold money until conditions are met For example, the deposit by a borrower with the lender to pay taxes and insurance premiums when they become due

FIXED-RATE MORTGAGE

A mortgage with an interest rate that does not change during the entire term of the loan

FORECLOSURE

A legal action that ends all ownership rights in a home when the homebuyer fails to make the mortgage payments or is otherwise in default under the terms of the mortgage Usually sold "as-is"

HOMEOWNERS ASSOCIATION FEES

HOA fees are fees associated with living in a housing development or condo These fees cover the cost of maintenance and other amenities

HOME INSPECTION

A professional inspection to determine the condition of the property The inspection should include an evaluation of the plumbing, heating and cooling systems, roof, wiring, and foundation

HOMEOWNERS INSURANCE

This protects your property against loss caused by fire, some natural causes, vandalism, etc , depending on the terms of the policy. The lender will expect the borrower to have a home insurance policy in effect by closing

LISTING AGENT/LISTING BROKER

A listing agent represents the interest of the person selling their home They will share information about the property with potential buyers and provide assistance to the seller during the process of selling their home

PRIVATE MORTGAGE INSURANCE (PMl)

Protects the lender in case you stop paying your mortgage PMl typically is required if your down payment is less than 20 percent of the purchase price

SHORT SALE

A situation where the lender agrees to let a homeowner sell their house for less than the amount owed on the mortgage

TITLE INSURANCE

This protects the lender or owner against loss in the event of a property dispute Lenders often require title insurance In fact, most title insurance only covers the lender, while paid for by the borrower The borrower must purchase a separate policy

Optimal results. Unmatched experience. First-rate customer service.

WITH PENFED REALTY, IT'S POSSIBLE.

AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE STATEMENT

PENFED REALTY, LLC

This is to give you notice that PenFed Realty, LLC, d/b/a Berkshire Hathaway HomeServices PenFed Realty, d/b/a Berkshire Hathaway HomeServices PenFed Realty Texas (“PenFed Realty”) has business relationships with the Pentagon Federal Credit Union (“PenFed”), which provides mortgage financing, and the following companies, all of which provide title insurance and/or closing/settlement services: PenFed Title, LLC (“PenFed Title”); Prestige Title & Escrow, LLC (“Prestige”); Members Title LLC, a Texas LLC (“MTTX”); Members Title Company of California, Inc (“MTCA”); Members Title LLC, a Maryland LLC d/b/a/ Broadview Title (“MTMD”); Capitol Title Group (“CTG”); Closeline Acquisitions, LLC (“Closeline”); Champion Title & Settlements, Inc (“Champion Title”); Priority Holdings, LLC (“Priority”); Kase & Associates, P C (“Kase”); MBH Settlement Group, LC (“MBH”); New Champion Holdings, LLC (“NCH”); Tempo Title, LLC (“Tempo”); Expert Title, LLC (“Expert”); Lien Release Specialists(“LRS”);JML Abstracts, LLC (“JML”) and Affiliated Services, LLC

Specifically: PenFed owns 100% of PenFed Realty and PenFed Title PenFed Title owns 100% of MTTX, PenFed Title owns 60% of MTCA, and Priority owns the remaining 40% of MTCA Closeline owns 100% of Affiliated Services, LLC and CTG PenFed Title and Affiliated Services, LLC each has a 50% ownership interest in MTMD PenFed Title has a 50% ownership interest in Prestige, and NCH has a 50% ownership interest in Prestige Champion Title, NCH, MBH and Expert are wholly owned by Tempo JML is wholly owned by MBH None of the listed entities have an ownership interest in Closeline, Priority, Tempo or Kase Because of these relationships, this referral may provide any of the entities, or any of their principals and affiliates, a financial or other benefit

Set forth, below is the estimated charge or range of charges for the settlement services listed You are NOT required to use the listed provider(s) as a condition for the refinancing or settlement of your loan on the subject property THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES

Provider/Settlement Service Charge/Range of Charges PenFed

0% - 6% of loan amount $350 - $750

75 - $16 50

50 - $65

PenFed Title/Prestige/MTTX/MTCA/MTMD/ CTG/Closeline/Champion Title/ Priority/MBH

Lender's Coverage

Owner's Coverage Settlement

Title Examination

Document Preparation

Recording Services

Photocopies, miscellaneous

Commitment Fee

Closing Protection letter (CPL)

Kase Deed/Document Preparation

Expert/JML/LRS

Title Abstract Lien tracking and Release

$0 32 to $5 70 per thousand of loan amount

$2 40 to $6 84 per thousand of sales price

$200 - $825

$75 - $550

$100 - $375

$50 - $200

$35 - $200

$50 - $150

$100 - $600 $450 - $895