• If you receive an email containing wire transfer instructions, immediately call your escrow officer to ensure the validity of the instructions.
WIRE FRAUD ADVISORY
The undersigned acknowledges receipt of this Wire Fraud Advisory.
TRUST YOUR SOURCE OF INFORMATION
Immediately notify your banking institution and Settlement/Title Company if you are a victim of wire fraud.
• It is imperative that this call be made to a number obtained in person from the individual or through other reliable means, not from a number provided in the email or the wiring instructions
PROTECT YOURSELF
Client Date Client Date
There are many online sources that can provide useful information regarding similar topics including, but not limited to, the following sites:
DO NOT TRUST EMAILS CONTAINING WIRE INSTRUCTIONS
The National White Collar Crime Center @ http://www.nw3c.org/research On Guard Online @ www.onguardonline.gov
Criminals are targeting social media and email to steal information. This is particularly common in real estate transactions because sensitive data, including social security numbers, bank account numbers, and wire instructions are often sent by electronic means. We do not want you to be the next victim of wire fraud. Money wired to a fraudulent account is stolen money that typically cannot be recovered. Additionally, there is generally no insurance for this loss. You may never get the money back.
ONLINE RESOURCES:
• If you receive an email requesting personal/financial information or asking you to download, click on a link, send, and/or do anything that may seem unusual to you, call your escrow officer immediately prior to acting on the suspicious email to verify the validity of the email.
The Federal Bureau of Investigation @ https://www.fbi.gov/scams and safety
The Internet Crime Complaint Center @ www.ic3.gov
VERIFY AND NOTIFY
DO NOT TRUST EMAILS SEEKING PERSONAL/FINANCIAL INFORMATION
Before you wire funds to any party (including your lawyer, title agent, mortgage broker, or real estate agent) personally meet them or call a verified telephone number (not the telephone number in the email) to confirm before you act!
• Never direct, accept or allow anyone in the transaction to consent to receiving transfer instructions without a direct personal telephone call to the individual allegedly providing the instructions.
LIMITATION OF LIABILITY FOR INFORMATIONAL REPORTS
This report is not an insured product or service or a representation of the condition of title to real property. It is not an abst ract, legal opinion, opinion of title, title insurance commitment or preliminary report, or any form of Title Insurance or Guaranty. This report is issued exclusively for the benefit of the Applicant therefor and may not be used or relied upon by any other person. This report may not be reproduced in any manner without First American or Title Security's prior written consent. First American or Title Security does not represent or warrant that the information herein is complete or free from error, and the information herein is provided without any warranties of any kind, as-is, and with all faults. As a material part of the consideration given in exchange for the issuance of this report, recipient agrees that First American or Title Security's sole liability for any loss or damage caused by an error or omission due to inaccurate information or negligence in preparing this report shall be limited to the fee charged for the report. Recipient accepts this report with this limitation and agrees that First American or Title Security would not have issued this report but for the limitation of liability described above. First American or Title Security makes no representation or warranty as to the legality or propriety of recipient's use of the information herein.
IMPORTANT -- PLEASE READ CAREFULLY:
Subject Property 11526 S Morningside Dr APN:AZGoodyear85338400-52-747 Data Provided By: First American Title Ins Co © 2022 CoreLogic. All rights reserved
This REiSource report is provided "as is" without warranty of any kind, either express or implied, including without limitations any warrantees of merchantability or fitness for a particular purpose. There is no representation of warranty that this information is complete or free from error, and the provider does not assume, and expressly disclaims, any liability to any person or entity for loss or damage caused by errors or omissions in this REiSource report without a title insurance policy.
Disclaimer
© 2022 CoreLogic. All rights reserved
The information contained in the REiSource report is delivered from your Title Company, who reminds you that you have the right as a consumer to compare fees and serviced levels for Title, Escrow, and all other services associated with property ownership, and to select providers accordingly. Your home is the largest investment you will make in your lifetime and you should demand the very best.
Data Provided By: American Title Ins Co
First
Lender : Chase Manhattan Mtg
Deed Type : Quit Claim Deed
Prior Rec/Sale Date : 06/20/1994 / 06/00/1994
Prior Sale Information
Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022
Title Company : First American Title
Owner Name : Nancy John / Nancy Kramer
Owner Transfer Information
Map Reference : 32542
Census Tract / Block : 7233.09 / 1
Last Market Sale Information
County : Maricopa, Az
Vesting Codes : / / Trust
Recording/Sale Date : 04/20/1999 / 01/00/1999
Document # : 374887
Subdivision : Estrella Prcl 55
1st Mtg Int. Rate/Type : / Fixed Rate Loan
Seller Name : Presley Southwest Inc
APN : 400-52-747
Neighbor Code : 29-005
Prior Doc Number : 481808
Mailing Address : 11526 S Morningside Dr, Goodyear AZ 85338-9547 R002
1st Mtg Term : 30
Owner Information
1st Mtg Amount/Type : $85,000 / Cnv
Prior Deed Type : Sheriff's Deed
Recording/Sale Date : 05/11/2020 / 04/27/2020
School District : Liberty 25
Sale Price : $138,668
Location Information
Price Per SqFt : $74.11
Legal Description : Lot 160 Estrella Parcel 55 Mcr 325-42
Legal Lot : 160
Subject Property : 11526 S Morningside Dr Goodyear AZ 85338
Deed Type : Deed (reg)
Customer Name : Kariann Keomaka
Document # : 401774
Township-Range- Sect : 01S-02W-14
1st Mtg Document # : 374888
Prior Sale Price : $27,372,076
© 2022 CoreLogic. All rights reserved
Owner OccupiedIndicator : O
Munic/Township : Goodyear
# of Stories : 1
Customer Name : Kariann Keomaka
Roof Material : Concrete Tile Air Cond : Refrigeration
Market Value : $234,800
© 2022 CoreLogic. All rights reserved
Tax Information
Land Value : $46,900
Total Rooms : 6
Patio Type : Covered Patio Pool Size : 305
Lot Size : 6,105
Land Use : Sfr
ImprovementValue : $187,900
Improve % : 80%
Tax Year : 2021 Current YearValue :Total $33,670
Year Built / Eff : 1999
Tax Rate Area : 250800 Current YearValue :Land $6,730
Current AssessedYear : 2023
Living Area : 1,871
Property Information
Exterior wall : Frame Wood Bath Fixtures : 8
Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022
Water Type : Type Unknown State Use : Single Fam Resrural Subd ( 3 )
Total Value : $234,800
Assessed Year : 2021
Property Characteristics
Capacity :Garage 2 Pool : Pool
Sewer Type : Public Service
Cooling Type : Forced Air Condition : Average
Zoning : PLANNED DEVELOPMENTAREA
Heat Type : Forced Air Quality : Average
Parking Type : Garage
Property Tax : $2,026.86 Current ImprovementYearValue : $26,940
Total TaxableValue : $18,264
Lot Acres : 0.14
Gross Area : 1,871
DEVELOPMENTAREAPLANNED 6 17502 WanderingW Creek Rd 486,000 217,700
3
Built
1999 DEVELOPMENTAREAPLANNED 1 17654 W Hubbard Dr 493,200 237,300
Sales Analysis Criteria Subject Property Low High Average
DEVELOPMENTAREAPLANNED 3 11355 S Hopi St 486,000 244,300
Lot Size 6,105
BathroomsBedrooms 3 3 4 3 Stories 1
0.63 0.46 Summary of Comparables # Address Sale Price TotalValueAssessed Sale Date Bed Bath Living Area Lot Size YearBuilt (Miles)Dist Zoning S 11526 MorningsideS Dr 138,668 234,800 04/20/1999 3
Bldg/Living Area 1871
3
DEVELOPMENTAREAPLANNED 2 11353 S Hopi Dr 475,000 241,000
3
DEVELOPMENTAREAPLANNED 4 11182 S Hopi Dr 525,000 238,700
3
Distance From Subject 0
Sale $550,000 $500,237 1610 2128 $223 $323 $270.61
DEVELOPMENTAREAPLANNED 5
S Indian Wells Dr 540,000 286,500
3
DEVELOPMENTAREAPLANNED Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 © 2022 CoreLogic. All rights reserved
2 1 Total Assessed Value $234,800
Year 1999 1998 2019 2008 5,000 10,698 7,059 1 $216,100 $286,500 $240,589 0.17 1,871 6,105 06/21/2022 1,869 5,000 2019 0.17 08/31/2022 1,843 8,532 1998 0.28 10/27/2021 1,869 7,260 1999 0.34 05/03/2022 1,843 7,260 1999 0.35 10979 08/10/2022 2,093 10,698 1998 0.37 05/31/2022 1,782 7,116 2001 0.38
1860 Price Per Square Foot $74.11
3
Price $138,668 $475,000
DEVELOPMENTAREAPLANNED
10 17436 W Rock Wren Ct 475,000 238,200 01/21/2022 4 2,128 6,522 2000 0.49
DEVELOPMENTAREAPLANNED
DEVELOPMENTAREAPLANNED
19 17415 W Eagle Ct 495,000 236,600 04/22/2022 3 1,610 5,950 2018 0.63
DEVELOPMENTAREAPLANNED
DEVELOPMENTAREAPLANNED
13 17492 W Polaris Dr 489,900 237,600 08/10/2022 3 1,715 6,603 2016 0.53
16 17395 W Coyote Trail Dr 478,900 228,500 06/27/2022 4 2,128 6,572 2004 0.56
17 10828 S 175th Dr 531,000 250,500 04/28/2022 3 1,907 6,364 2017 0.57
DEVELOPMENTAREAPLANNED
DEVELOPMENTAREAPLANNED
DEVELOPMENTAREAPLANNED
© 2022 CoreLogic. All rights reserved
9 17444 WanderingW Creek Rd 475,000 216,100 09/02/2022 3 1,782 6,600 2000 0.44
14 17493 W Polaris Dr 500,000 243,100 06/22/2022 3 1,715 8,498 2016 0.54
DEVELOPMENTAREAPLANNED
11 17516 W Polaris Dr 520,000 244,300 05/06/2022 3 1,610 6,072 2017 0.5
18 17568 W Summit Dr 506,000 246,700 05/16/2022 3 1,907 6,237 2018 0.6
DEVELOPMENTAREAPLANNED
DEVELOPMENTAREAPLANNED
Customer Kariann Keomaka First American 09/20/2022
DEVELOPMENTAREAPLANNED
15 17522 W Desert Sage Dr 550,000 237,600 03/14/2022 3 1,873 7,318 2002 0.56
DEVELOPMENTAREAPLANNED
8 11134 S 175th Ln 490,000 234,600 04/11/2022 3 1,907 6,110 2016 0.43
Name :
Distressed Sales =
Customer Company Name :
7 11304 S Palomino Ln 501,000 237,800 04/20/2022 3 1,843 8,345 1999 0.42
12 17519 W Copper Ridge Dr 487,500 254,100 03/08/2022 3 1,907 7,072 2016 0.51
Title Insurance Company Prepared On :
Map Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 © 2022 CoreLogic. All rights reserved
Subject Property : 11526 S Morningside Dr Goodyear AZ 85338 Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 © 2022 CoreLogic. All rights reserved
Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 © 2022 CoreLogic. All rights reserved
SchoolsArizona For detailed information and statistics on Arizona schools please go ©2021FirstFirsthttps://azreportcards.azed.gov/toAmericanTitleInsuranceCompany,andtheoperatingdivisionsthereof,makenoexpressorimpliedwarrantyrespectingtheinformationpresentedandassumenoresponsibilityforerrorsoromissions.American,theeaglelogo,FirstAmericanTitle,andfirstam.comareregisteredtrademarksortrademarksofFirstAmericanFinancialCorporationand/oritsaffiliates.FirstAmericanFinancialCorporationand/oritsaffiliates.Allrightsreserved.NYSE:FAF05117910421
Keomaka
Lowest Grade : Pre-K Highest Grade : 8th Kindergarten : Yes School Enrollment : Enrollment : 738
Westar Elementary School Distance 1.15 Miles
Estrella Foothills High School Distance 1.1 Miles 13033 S Estrella Pkwy Goodyear AZ 85338
Estrella Mountain Elementary School Distance 1.02 Miles
Total Expenditure/Student : 68
Telephone : (623) 327-2820
:
Total Expenditure/Student : 68
17777 W Westar Dr Goodyear AZ 85338
Public Schools :
Elementary Schools
10301 S San Miguel Ave Goodyear AZ 85338
Lowest Grade : Pre-K Highest Grade : 8th Kindergarten : Yes School Enrollment : Enrollment : 564
Lowest Grade : 9th Highest Grade : 12th School Enrollment : Enrollment : 1132
Customer Name Kariann
Total Expenditure/Student : 174 Advanced Placement : No
Customer Company Name : First On 09/20/2022
School District : Buckeye Union High School District (4284)
Telephone : (623) 327-2400
School District : Liberty Elementary District (4266)
:
School District : Liberty Elementary District (4266)
© 2022 CoreLogic. All rights reserved
Telephone : (623) 237-2840
High Schools
American Title Insurance Company Prepared
Distance 1.12 Miles 13033 S Estrella Pkwy Goodyear AZ 85338
: Kariann Keomaka
Customer Name
Lowest Grade : 9th Highest Grade : 12th School Enrollment : Enrollment : 0
Telephone : (623) 327-2400
West-mec - Estrella Foothills High School
© 2022 CoreLogic. All rights reserved
Customer Prepared On : 09/20/2022
Company Name : First American Title Insurance Company
School District : West-mec - Western Maricopa Education Center (80923)
Total Expenditure/Student : Advanced Placement : No
Name Address Telephone Distance (Miles)
Vharp, Llc 11325 S Oakwood Dr Goodyear Az (480) 241-7249 0.15
Nancy Schmidt 11222 S Hopi Dr Goodyear Az (623) 386-5556 0.31
Team Cpr, Llc 18158 W Desert Sage Dr Goodyear Az (602) 418-4604 0.66
AttractionsBusiness/Recreation
Ana Luisa Bustamante Ph.d. 17550 W Desert Sage Dr Goodyear Az (602) 418-2049 0.52
1st Heritage Home Mortgage Inc. 12801 S 176th Ln Goodyear Az (602) 206-1850 0.8
Health Care Services
Estrella Anesthesia, Llc 12556 S 177th Ln Goodyear Az (623) 374-4413 0.64
Player's Grill Patio 11800 S Golf Club Dr Goodyear Az (623) 925-3148 0.08
295 Group Llc 17613 W Eagle Dr Goodyear Az (707) 972-1585 0.45
Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 CoreLogic.
18108 W Desert Sage Dr Goodyear Az (623) 695-3025 0.66
11800 S Golf Club Dr Goodyear Az (623) 386-2600 0.08
Customer Name : Kariann Keomaka
Tga Tennis 17579 W Acacia Ct Goodyear Az (480) 662-6711 0.41
Tropical Smoothie Az 2 In 10736 S Indian Wells Dr Goodyear Az (623) 302-0269 0.53
Eating / Drinking
Emr Golf Club, Llc
Estrella Mountain Church 10485 S Estrella Pkwy Goodyear Az (623) 476-5578 0.75
Name Address Telephone Distance (Miles)
Name Address Telephone Distance (Miles)
Dd Build Llc 12826 S 177th Ln Goodyear Az (623) 322-1807 0.79
Name Address Telephone Distance (Miles)
© 2022
All rights reserved
Local
Name Address Telephone Distance (Miles)
Organizations / Associations
Azsoccerevents
Banks / Financial
Better Body Outlook Llc 12487 S 176th Ave Goodyear Az (623) 261-3875 0.65
Name Address Telephone Distance (Miles)
Fitness Estrella, Llc 12721 S 176th Ln Goodyear Az (623) 386-5857 0.76
Customer Name : Kariann Keomaka
Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022
© 2022 CoreLogic. All rights reserved
Deja Vu Med Spa Llc 12810 S 177th Ave Goodyear Az (623) 242-8464 0.8
Name Address Telephone Distance (Miles)
Herbal Quest 11889 S 174th Ave Goodyear Az (623) 975-1578 0.5
Matco Tools 11825 S 174th Ave Goodyear Az (951) 961-1292 0.48
Estrella Sunchase Inc 17750 W Elliot Rd Ste A Goodyear Az (623) 386-2111 0.98
Shopping
Fireground Fitness, Llc 18116 W East Wind Ave Goodyear Az (623) 536-3486 0.98
Personal Services
Sale Date : 04/27/2015
Sale Price : $225,000
Subdivision : Estrella Prcl 55
Recording Date : 02/18/2016
Total Value : $228,600 Sale Price : $145,000
Subdivision : Estrella Prcl 55
Property Tax : $2,555.16
Bed / Bath : / 3 Property Tax : $2,347.72
Stories : 1 Living Area : 1,871
Sale Price : $185,000
Recording Date : 06/19/2002
Sale Date : 07/05/2000
Total Value : $250,300
Sale Date : 02/16/2016
Stories : 1 Living Area : 2,256
Owner Name : Weber Michael J
Lot Acres : 0.15
Owner Name : Wayne Gregory
Total Value : $253,800
Customer Name : Kariann Keomaka
Subdivision : Estrella Prcl 55
Land Use : Sfr
Land Use : Sfr Lot Acres : 0.15
Total Value : $235,500
Owner Name : Rottell B Joann
Sale Price : $165,500
Yr Blt / Eff Yr Blt : 1999 / APN : 400-52-744
11522 S MORNINGSIDE DR Distance 0.01 Miles
Stories : 1 Living Area : 1,871
17767 W CORPUS CHRISTI CT Distance 0.05 Miles
Owner Name : Baumgardner Adam
Recording Date : 05/15/2015
Bed / Bath : / 3
All rights reserved
Land Use : Sfr
Sale Date : 06/19/2002
Land Use : Sfr Lot Acres : 0.17
Yr Blt / Eff Yr Blt : 1999 / APN : 400-52-731
Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 CoreLogic.
© 2022
Yr Blt / Eff Yr Blt : 1999 / APN : 400-52-729
11536 S MORNINGSIDE DR Distance 0.03 Miles
Bed / Bath : / 3 Property Tax : $2,217.52
Recording Date : 07/14/2000
Lot Acres : 0.19
Subdivision : Estrella Prcl 55
Stories : 1 Living Area : 2,068
Yr Blt / Eff Yr Blt : 1999 / APN : 400-52-748
11525 S MORNINGSIDE DR Distance 0.03 Miles
Bed / Bath : / 3 Property Tax : $1,954.74
Stories : 1 Living Area : 2,256
Bed / Bath : / 3 Property Tax : $2,260.46
Total Value : $263,500
Land Use : Sfr
Bed / Bath : / 3
Owner Name : Clark Cheryl M
Recording Date : 02/25/1998
Owner Name : Welter Martin J
Recording Date : 03/19/1999
Yr Blt / Eff Yr Blt : 1999 / APN : 400-52-728
11540 S MORNINGSIDE DR
Owner Name : Woerner David
Sale Date : 09/00/1997
Yr Blt / Eff Yr Blt : 1999 / APN : 400-52-730
Yr Blt / Eff Yr Blt : 1998 / APN : 400-52-741
Sale Price : $152,350
Sale Price : $144,900
Stories : 1 Living Area : 2,256
Bed / Bath : / 3 Property Tax : $2,028.64
Sale Date : 08/00/1999
17761 W CORPUS CHRISTI CT Distance 0.06 Miles
Subdivision : Estrella Prcl 55
Recording Date : 10/06/1999
Property Tax : $2,354.98
Sale Date : 04/28/2011
Total Value : $235,700
Land Use : Sfr
Distance 0.05 Miles
Stories : 1 Living Area : 1,871
Sale Price : $162,642
Subdivision : Estrella Prcl 55
Subdivision : Estrella Prcl 55
17769 W CORPUS CHRISTI CT
Subdivision : Estrella Prcl 55
Distance 0.05 Miles
Sale Date : 10/00/1998
Lot Acres : 0.22
Lot Acres : 0.21
Recording Date : 05/19/2011
Bed / Bath : / 3
Owner Name : Jkn Trust
Total Value : $266,800
Lot Acres : 0.24
Customer Name : Kariann Keomaka
Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022
Property Tax : $2,389.34
© 2022 CoreLogic. All rights reserved
Total Value : $255,700
Land Use : Sfr
Sale Price : $160,498
Stories : 1 Living Area : 2,256
Land Use : Sfr Lot Acres : 0.18
Yr Blt / Eff Yr Blt : 1999 / APN : 400-52-732
11485 S MORNINGSIDE DR Distance 0.06 Miles
Bed / Bath : / 3 Property Tax : $1,959.94
Yr Blt / Eff Yr Blt : 1996 / APN : 400-52-726
Sale Date : 04/28/2015
Lot Acres : 0.21
Recording Date : 01/28/2009
Total Value : $248,000
Total Value : $235,000
Customer Name : Kariann Keomaka
Owner Name : Kathyleen Michael
Owner Name : Robbins Izabella
Subdivision : Estrella Prcl 55
Bed / Bath : / 3 Property Tax : $2,105.92
Customer Company Name : First American Title Insurance Prepared On : 09/20/2022
Stories : 1 Living Area : 1,871
Sale Date : 12/30/2008
Company
Sale Price : $244,000
Sale Price : $200,000
Land Use : Sfr
11539 S MORNINGSIDE DR Distance 0.06 Miles
Yr Blt / Eff Yr Blt : 1996 / APN : 400-52-725
Recording Date : 05/15/2015
Subdivision : Estrella Prcl 55
Land Use : Sfr Lot Acres : 0.22
Stories : 1 Living Area : 2,068
© 2022 CoreLogic. All rights reserved
11543 S MORNINGSIDE DR Distance 0.07 Miles
No demographics data for selected property. Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 © 2022 CoreLogic. All rights reserved
2022 TAX AMT TAX DUE INTEREST DATE PAID
SITUS: 11526 S MORNINGSIDE DR GOODYEAR
EXEMPT RATE AREA
+ FIRST AMERICAN TITLE, FC0, KWAL MARICOPA, AZ 09/20/2022 12:36PM TCI1 INVESTIGATIVE SEARCH RESULTS PAGE 1 OF 1
RESIDENTIAL IMPROVEMENTS BLDG SQFT 1,871 COOLING REFRIGERATION YEAR BUILT 1999 EXTERIOR WALLS FRAME WOOD NUMBER OF STORIES 1.0 ROOF OTHER NUMBER OF ROOMS CONSTRUCTION CLASS R3 NUMBER OF BATH FIXTURES 8 PHYSICAL CONDITION OTHER PATIO (TYPE AND NUMBER) COVERED 1 LAND USE 01 33 GARAGE (TYPE AND NUMBER) GARAGE 2 LOT SIZE 6,105 SQ FT POOL SQ FT 305 SCHOOL DISTRICT 250800 HEATING LAND FULL CASH VALUE 49,600 IMPR FULL CASH VALUE 198,700 SALES SALE DATE SALE AMOUNT INSTRUMENT TYPE SELLER NAME VALIDITY 04/20/1999 138,668 1999 374887 D PRESLEY SOUTHWEST INC 09/30/1998 161,000 1998 879375 SD SUNCHASE ESTRELLA L P M 06/20/1994 27,372,076 1994 481808 SD RESOLUTION TRUST CORPORAT/ M ADDITIONAL PROPERTY INFORMATION STANDARD LAND USE: SFR END SEARCH
PARCEL: 400-52-747
OWNER: JOHN & NANCY KRAMER TRUST 2020 401774 05/11/2020
SEARCH PARAMETERS
PLAT: 325 - 42 LOT 160
SECONDARY 4,960 19,870 4.3303 1,912.28
INSTRUMENT REC DATE
0
LAND
TOTAL DUE FIRST HALF 956.14 956.14 0.00 956.14 SECOND HALF 956.14 956.14 0.00 956.14
LEGAL: ESTRELLA PARCEL 55 MCR 325-42
TOTAL CURRENT TAXES DUE 09/22 1,912.28 10/22 1,912.28 (ESTIMATED)
CURRENT TAXES
2022 TOTAL TAX BILLED
MAIL: 11526 S MORNINGSIDE DR GOODYEAR, AZ 85338
PARCEL: 400-52-747 6
PRIMARY 19,177 0 7.3547 250800 30002
INFORMATION THROUGH 08/26/2022 IMPR SPECIAL DISTRICTS
0
ConditionsCovenants,&Restrictions
Restrictions indicating a preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status, or national origin are hereby deleted to the extent such restrictions violate 42 USC 3604(c).
This information is furnished without fee and without benefit of a complete title search. No liability is assumed by First American Title or Title Security. If it is desired that liability be assumed, you may apply for a policy of title insurance with First American Title Insurance Company.
Thank you for the opportunity to be of service.
to the Title & Escrow Process in Arizona Home Seller’s Guide
Southwest Gas www.swgas.com1.877.860.6020 Cox www.cox.com602.277.1000 Direct TV www.directv.com1.888.777.2454 Dish Network www.dishnetwork.com1.800.823.4929 CenturyLink www.centurylink.com800.366.8201 AT&T www.att.com1.800.222.0300 Verizon www.connecttoverizon.com1.877.300.4498 Salt River Project www.srpnet.com602.236.8888 APS www.aps.com602.371.7171 Your Escrow Number Your New City/State/ZipAddress Real Estate Agent Name Email Assistant Email Company Phone Address Fax Insurance CompanyPrevious Phone Previous Agent No.Policy New Company Phone New Agent No.Policy Home CompanyWarranty No.Policy First American Title Escrow Officer Email Escrow Assistant Email Address Phone City/State/Zip Fax 02 Quick Reference 03 Welcome 04 Benefits of Using a REALTOR ® 05 Key Professionals 06 Preparing Your Home for Sale 07 Staging Your Home for Show 09 Terms You Should Know 10 The Life of an Escrow 11 Closing Costs: Who Pays What 12 The Escrow Process 14 Understanding Title Insurance 16 Consider This 17 Closing Your Escrow 18 Planning Your Move Q uick Reference Table of Contents Utilities and Services
Welcome to the home-selling process. Throughout this process, you can count on First American Title to guide you smoothly through your transaction and provide expert answers to your questions. We are happy to serve you.
Count on First American Title
First American Title has a direct office or agent near you, offering convenient locations throughout Arizona. We also have an extensive network of offices and agents throughout the United States, and internationally.
Count On Us For Stability
First American Title is the principal subsidiary of First American Financial Corporation, and one of the largest suppliers of title insurance services in the nation. With roots dating back to 1889, we’ve served families for generations.
Count On Us To Meet Your Needs
Count On Us For Convenience
First American Title’s professionals are proud to provide the title insurance that assures people’s home ownership. Backed by First American Title Insurance Company, your transaction will be expertly completed in accordance with state-specific underwriting standards and state and federal regulatory requirements.
First American Financial Corporation offers more than title insurance and escrow services through its subsidiaries. Our subsidiaries also provide property data, title plant records and images, home warranties, property and casualty insurance, and banking, trust and advisory services.
Count On Us For Service
AZ Sellers Guide | 3
Are you...
› Will listen to your needs, respect your opinions and allow you to make your own decisions.
› Can remain objective when presenting offers and counter-offers on your behalf.
› Understands market conditions and has access to information not available to the average homeowner.
› Can advertise effectively for the best results.
› Can help protect your rights, particularly important with the increasingly complicated real estate laws and regulations.
Benefits4
› Is experienced with resolving problems to facilitate a successful closing on your home.
Many people believe they can save a considerable amount of money by selling their homes themselves. It may seem like a good idea at the time, but while you may be willing to take on the task, are you qualified? The following are some questions to help you realistically assess what’s involved.
- have the knowledge, patience, and sales skills needed to sell your home?
- aware that prospective buyers and bargain hunters will expect you to lower your cost because there’s no REALTOR® involved?
- have arrangements with an escrow and title company, home warranty company, pest-control service and lender to assist you with the transaction?
› Knows how to screen potential buyers and eliminate those who can’t qualify or are looking for bargain-basement prices.
› Maintains errors-and-omissions insurance.
Before you make the decision to try to sell your home alone, consider the benefits a REALTOR ® can provide that you may not be aware of.
- aware that every time you leave your home, you are taking it off the market until you return?
- aware of conditions in the marketplace today that affect value and length of time to sell?
AZ Sellers Guide |
- need to hire a real estate attorney? If so, do you know what the cost will be and how much liability they will assume in the transaction?
A REALTOR ® :
- know how to determine whether or not a buyer can qualify for a loan?
Only you can determine whether you should attempt to sell your home—probably your largest investment—all alone. Talk with a REALTOR® before you decide. You may find working with a professional is a lot less expensive and much more beneficial than you ever imagined!
- understand the steps of an escrow and what’s required of you and the buyer?
- concerned about having strangers walking through your home?
› Is always “on-call,” answering the phone at all hours, and showing homes evenings and weekends.
Do you...
› Knows how to go toe-to-toe in negotiations.
FOR SALE BY OWNER
- know how to advertise effectively and what the costs will be?
- understand the various types of loans buyers may choose and the advantages and disadvantages for the seller?
of using a Professional REALTOR ®
› Is experienced in creating demand for homes and how to show them to advantage.
- know how to determine your home’s current market value?
- prepared to give up your evenings and weekends to show your home to potential buyers and “just-looking” time wasters?
- familiar enough with real estate regulations to prepare a binding sales contract? Counter-offers?
› Knows how to price your home realistically, to give you the highest price possible within your time frame.
A key role of the buyer’s agent or broker is to work with the buyer to locate a suitable property and negotiate a successful home purchase.
LISTING AGENT
MULTIPLE LISTING SERVICE (MLS)
ESCROW OFFICER
REALTOR ®
An escrow officer leads the facilitation of your escrow, including escrow instructions preparation, document preparation, funds disbursement, and more.
AZ Sellers Guide | 5
A REALTOR ® is a licensed real estate agent and a member of the National Association of REALTORS,® a real estate trade association. REALTORS ® also belong to their state and local Association of REALTORS.®
REAL ESTATE AGENT
A real estate agent is licensed by the state to represent parties in the transfer of property. Every REALTOR ® is a real estate agent, but not every real estate agent has the professional designation of a REALTOR.®
BUYER'S AGENT
The MLS is a database of properties listed for sale by REALTORS ® who are members of the local Association of REALTORS.® Information on an MLS property is available to thousands of REALTORS ®
TITLE COMPANY
Key Professionals Involved in Your Transaction
These are the people who carry out the title search and examination, work with you to eliminate the title exceptions you are not willing to take subject to, and provide the policy of title insurance regarding title to the real property.
A key role of the listing agent or broker is to form a legal relationship with the homeowner to sell the property and place the property in the Multiple Listing Service.
Clean and organize the garage, and ensure the door is in good working order.
Make sure the front steps are clear and hazard-free. Make sure the doorbell works properly and has a pleasant sound.
Ensure that all exterior lights are working.
Rearrange furniture to make rooms appear larger. If possible, remove and/or store excess furniture, and avoid extension cords in plain view.
YOURFORPREPARINGSALEHOME
Repair or replace loud ventilating fans. Replace worn shower curtains.
Make your entry inviting: Paint your front door and buy a new front door mat.
Repair leaky faucets and caulking in bathtubs and showers.
Make sure toilet seats look new and are firmly attached.
Remove clutter throughout the house. Organize and clean out closets. Clean household appliances and make sure they work properly.
Repair or replace worn shutters and other exterior trim.
Air conditioners/heaters, evaporative coolers, hot water heater should be clean, working and inspected if necessary. Replace filters.
Check stucco walls for cracks and discoloration.
Shampoo carpeting or replace if worn. Clean tile floors, particularly the caulking.
Repair or replace loose knobs on doors and cabinets. If doors stick or squeak, fix them.
Check the pool and/or spa equipment and pumps. Make sure all are working properly and that the pool and/or spa are kept clean. Inspect fences, gates and latches. Repair or replace as needed.
First impressions have a major impact on potential buyers. Try to imagine what potential buyers will see when they approach your house for the first time and walk through each room. Ask your REALTOR ® for advice; they know the marketplace and what helps a home sell. Here are some tips to present your home in a positive manner:
If screens or windows are damaged, replace or repair them.
Mow and edge the lawn regularly, and trim the shrubs.
AZ Sellers Guide | 6
Paint or replace the mailbox, if needed.
Brighten the appearance inside by painting walls, cleaning windows and window coverings, and removing sunscreens.
Remove any oil and rust stains from the driveway and garage.
Close the windows to eliminate street noise.
Clear all clutter from counter tops.
Cleanshown.trash
Get rid of odors such as tobacco, pets, cooking, etc., but don’t overdo air fresheners or potpourri. Fresh baked bread and cinnamon can make a positive impact. Send pets away or secure them away from the house, and be sure to clean up after them.
cans and put them out of sight.
If possible you, your pets, and your children should be gone while your home is being
If you must be present while your home is shown, keep noise down. Turn off the TV and radio. Soft, instrumental music is fine, but avoid vocals.
Keep the garage door closed and the driveway clear. Park autos and campers away from your home during showings
Hang clean attractive guest towels in the bathrooms. Check that sink and tub are scrubbed and unstained. Make beds with attractive spreads. Stash or throw out newspapers, magazines, junk mail.
AZ Sellers Guide | 7
Keep everything clean. A messy or dirty home will cause prospective buyers to notice every flaw.
Let the light in. Raise shades, open blinds, pull back the curtains and turn on the lights.
Staging your home for Show
To make the best impression, keep your home clean, neat, uncluttered and in good repair. Please review this list prior to each showing:
AZ Sellers Guide | 8
Disbursement Date
As to a title insurance policy, a rider or attachment forming a part of the insurance policy expanding or limiting coverage.
Recording
Limitations in the deed to a parcel of real property that dictate certain uses that may or may not be made of the real property.
Down payment made by a purchaser of real property as evidence of good faith; a deposit or partial payment.
Provides a complete breakdown of costs involved in a real estate transaction.
TRID
TILA-RESPA Integrated Disclosures
An estimate of value of property resulting from analysis of facts about the property; an opinion of value.
Terms You Should Know
Deed of Trust
Occurs when the borrower becomes contractually obligated to the creditor on the loan, not, for example, when the borrower becomes contractually obligated to a seller on a real estate transaction. The point in time when a borrower becomes contractually obligated to the creditor on the loan depends on applicable State law. Consummation is not the same as close of escrow or settlement.
Loan Estimate (LE)
Real estate insurance protecting against fire, some natural causes, vandalism, etc., depending upon the policy. Buyer often adds liability insurance and extended coverage for personal property.
A form of encumbrance that usually makes a specific parcel of real property the security for the payment of a debt or discharge of an obligation. For example, judgments, taxes, mortgages, deeds of trust.
Annual Percentage Rate (APR)
Form designed to provide disclosures that will be helpful to borrowers in understanding the key features, costs and risks of the mortgage loan for which they are applying. Initial disclosure to be given to the borrower three (3) business days after application.
The instrument by which real property is pledged as security for repayment of a loan.
Comparable Sales
Generally the date the buyer becomes the legal owner and title insurance becomes effective.
An instrument used in many states in place of a mortgage.
Easement
Impounds
A payment that includes Principal, Interest, Taxes, and Insurance.
Legal Description
Closing Disclosure (CD)
AZ Sellers Guide | 9
Lien
The recipient of benefits, often from a deed of trust; usually the lender.
A written instrument whereby a principal gives authority to an agent. The agent acting under such a grant is sometimes called an “Attorney-in-Fact.”
Filing documents affecting real property with the appropriate government agency as a matter of public record.
Sales that have similar characteristics as the subject real property, used for analysis in the appraisal. Commonly called “comps.”
Deed Restrictions
Settlement statement
The date the amounts are to be disbursed to a buyer and seller in a purchase transaction or the date funds are to be paid to the borrower or a third party in a transaction that is not a purchase transaction.
A trust type of account established by lenders for the accumulation of borrower’s funds to meet periodic payments of taxes, mortgage insurance premiums and/or future insurance policy premiums, required to protect their security.
Appraisal
A right, privilege or interest limited to a specific purpose that one party has in the land of another.
Hazard Insurance
Mortgage
Close of Escrow
Endorsement
The borrower’s costs of the loan term expressed as a rate. This is not their interest rate.
Beneficiary
Earnest Money Deposit
Closing Disclosure form designed to provide disclosures that will be helpful to borrowers in understanding all of the costs of the transaction. This form will be given to the consumer three (3) business days before closing.
Power of Attorney
A description of land recognized by law, based on government surveys, spelling out the exact boundaries of the entire parcel of land. It should so thoroughly identify a parcel of land that it cannot be confused with any other.
PITI
Consummation
Reviews all documents, demands, and instructions and prepares settlement statements and any other required documents.
Chooses a Real Estate Agent
THE ESCROW OFFICER
THE BUYER
Prepares recording instructions and submits docs for recording.
Reviews title commitment / preliminary report. Upon receipt of opening packages, orders demands for payoffs. Contacts buyer or seller when additional information is required for the title preliminarycommitment/report.
Chooses a Real Estate Agent
Completes and returns opening package from First American Title.
Collects information such as title commitment / preliminary report, appraisal, credit report, employment and funds verification. Reviews and requests additional information for final loan
Schedules signing appointment and informs buyer of funds due at settlement.
Schedules inspections and evaluates findings. Reviews title BuyerpriorlenderpaperworkProvidespreliminarycommitment/report.allrequestedtoLender(bankstatements,taxreturns,etc.)Allinvoicesandfinalapprovalsshouldbetothenolaterthan10daystoloanconsummation.Lender(orEscrowOfficer)preparesCDanddeliverstoatleast3dayspriortoloanconsummation.Escrowofficerorrealestateagentcontactsthebuyertoschedulesigningappointment.Buyerconsummatesloan,executessettlementdocuments,&depositsfundsviawiretransfer.Documentsarerecordedandthekeysaredelivered!
Orders and reviews title commitment / preliminary report, property appraisal, credit report, employment and funds verification.
The Life Of An Escrow
AZ Sellers Guide | 10
Once loan is consummated, sends funding package to lender for review.
Gets pre-approval letter from Lender and provides to Real Estate Agent.
Requests necessary information from buyers and sellers via opening packages.
Documents are recorded and funds are disbursed. Issues final settlement statement.
Underwritingapproval.reviews loan package for approval.
Coordinates with Escrow Officer on the preparation of the Closing Disclosure, which is delivered to Buyer at least 3 days prior to loan documents,UponDeliversconsummation.loandocumentstoescrow.reviewofsignedloanauthorizesloanfunding.
Makes offer to purchase. Upon acceptance, opens escrow and deposits earnest money.
Upon receipt of order and earnest money deposit, orders title examination.
Coordinatesconsummation.withlender on the preparation of the CD.
All demands, invoices, and fees must be collected and sent to lender at least 10 days prior to loan
Accepts Buyer’s offer to openingCompletespurchase.andreturnspackagefromFirstAmericanTitle,includinginformationsuchasforwardingaddress,payofflendercontactinformationandloannumbers.Ordersanyworkforinspectionsand/orrepairstobedoneasrequiredbythepurchaseagreement.Escrowofficerorrealestateagentcontactsthesellertoschedulesigningappointment.Documentsarerecordedandallproceedsfromsalearereceived.
THE LENDER
Accepts Buyer’s application and begins the qualification process. Provides Buyer with Loan Estimate.
THE SELLER
Finalizes loan application with Lender. Receives a Loan Estimate from Lender.
AZ Sellers Guide | 11 CASH FHA VA CONV 1. Downpayment BUYER BUYER BUYER BUYER 2. Termite (Wood Infestation) Inspection (negotiable except on VA) SELLER 3. Property Inspection (if requested by buyer) BUYER BUYER BUYER BUYER 4. Property Repairs, if any (negotiable) SELLER SELLER SELLER SELLER 5. New Loan Origination Fee (negotiable) BUYER BUYER BUYER 6. Discount Points (negotiable) BUYER BUYER BUYER 7. Credit Report BUYER BUYER BUYER 8. Appraisal or Extension Fee (negotiable) BUYER BUYER BUYER 9. Existing Loan Payoff SELLER SELLER SELLER SELLER 10. Existing Loan Payoff Demand SELLER SELLER SELLER SELLER 11. Loan Prepayment Penalty (if any) SELLER SELLER SELLER SELLER 12. Next Month’s PITI Payment BUYER BUYER BUYER 13. Prepaid Interest (approx. 30 days) BUYER BUYER BUYER 14. Reserve Account Balance (Credit seller / Charge buyer) PRORATE PRORATE PRORATE 15. FHA MIP, VA Funding Fee, PMI Premium BUYER BUYER BUYER 16. Assessments payoff or proration (sewer, paving, etc.) SELLER 17. Taxes PRORATE PRORATE PRORATE PRORATE 18. Tax Impounds BUYER BUYER BUYER 19. Tax Service Contract SELLER SELLER BUYER 20. Fire/Hazard Insurance BUYER BUYER BUYER BUYER 21 Flood Insurance BUYER BUYER BUYER 22. Homeowners Association (HOA) Transfer Fee BUYER or SELLER BUYER or SELLER BUYER or SELLER BUYER or SELLER 23. HOA/Disclosure Fee SELLER SELLER SELLER SELLER 24 Current HOA Payment PRORATE PRORATE PRORATE PRORATE 25. Next Month’s HOA Payment BUYER BUYER BUYER BUYER 26. Home Warranty Premium (negotiable) BUYER or SELLER BUYER or SELLER BUYER or SELLER BUYER or SELLER 27. REALTORS®’ Commissions SELLER SELLER SELLER SELLER 28. EAGLE Homeowners Title Policy SELLER SELLER SELLER SELLER 29. Lenders Title Policy and Endorsements BUYER BUYER BUYER 30. Escrow Fee (NOTE: Charge seller on VA Loan) SPLIT SPLIT SELLER SPLIT 31. Recording Fees (Flat rate) SPLIT SPLIT SPLIT SPLIT 32. Reconveyance/Satisfaction Fee SELLER SELLER SELLER SPLIT 33. Courier/Express Mail Fees SPLIT SPLIT SELLER SPLIT THIS CHART INDICATES WHO CUSTOMARILY PAYS WHAT COSTS Note: Prorated items will appear on Closing Statement as charges for one and credits for the other.
Closing Costs: Who Pays What
The escrow is the process of having a neutral party manage the exchange of money for real property. The escrow holder is known as an escrow or settlement officer or agent. The buyer deposits funds and the seller deposits a deed with the escrow holder along with all of the other documents required to remove all "contingencies" (conditions and approvals) in the purchase agreement prior to closing.
Once a purchase agreement is signed by all necessary parties, the agent representing the party who will pay the fee selects an escrow holder and the buyer's earnest money deposit and contract are submitted to the escrow holder.
WHAT IS AN ESCROW?
AZ Sellers Guide | 12
The Escrow Process
From this point, the escrow holder will follow the mutual written instructions of the buyer and seller, maintaining a neutral stance to ensure that neither party has an unfair advantage over the other. The escrow holder also follows the instructions of the Buyer's new lender, the seller's existing lender, and both parties' agents. The escrow holder ensures the transparency of the transaction, while carefully maintaining the privacy of the consumers.
HOW IS AN ESCROW OPENED?
commitment and begin the process of working with you and the title officer to eliminate the title exceptions the buyer and the buyer’s new lender are not willing to take subject to. This includes ordering a payoff demand from your existing lender.
When all funds are deposited and conditions met, record documents with the County Recorder to transfer the real property to the buyer
Review documents and ensure all conditions are fulfilled and certain legal requirements are met
After recording is confirmed, close escrow and disburse funds, including proceeds, loan payoffs, tax payments, and more
Your Escrow Professional May:
AZ Sellers Guide | 13
Open escrow and deposit good faith funds into an escrow account
Coordinate with the buyer’s lender on the preparation of the Closing Disclosure (CD)
Conduct a title search to determine the ownership and title status of the real Reviewpropertythetitle
Prorate fees, such as real property taxes, per the contract and prepare the settlement statement
Set separate appointments allowing the buyer and seller to sign documents and deposit funds
Request funds from buyer and buyer’s new lender
Prepare and send final documents to all parties
WHY IS TITLE INSURANCE NEEDED?
Title Insurance
You pay for your owner’s title insurance policy only once, at the close of escrow. Who pays for the owner’s policy and loan policy varies depending on local customs.
The Title Industry & Title Insurance in Brief
WHAT IS TITLE INSURANCE?
WHEN IS THE PREMIUM DUE?
AZ Sellers Guide | 14
Prior to the development of the title industry in the late 1800s, a home-buyer received a grantor’s warranty, attorney’s title opinion, or abstractor’s certificate as assurance of home ownership. The buyer relied on the financial integrity of the grantor, attorney, or abstractor for protection. Today, home-buyers look primarily to title insurance to provide this protection. Title insurance companies are regulated by state statute. They are required to post financial guarantees to ensure that any claims will be paid in a timely fashion. They also must maintain their own “title plants” which house duplicates of recorded deeds, mortgages, plats, and other pertinent county property Understandingrecords.
Title insurance insures buyers against the risk that they did not acquire marketable title from the seller. It is primarily designed to reduce risk or loss caused by defects in title from the past. A loan policy of title insurance protects the interest of the mortgage lender, while an owner’s policy protects the equity of you, the buyer, for as long as you or your heirs (in certain policies) own the real property.
Title insurance provides coverage for certain losses due to defects in the title that, for the most part, occurred prior to your ownership. Title insurance protects against defects such as prior fraud or forgery that might go undetected until after closing and possibly jeopardize your ownership and investment.
1 Someone else owns an interest in your title
20 Post-policy adverse possession
30 Added ownership coverage leads to enhanced marketability
Protection from:
28 Compliance with Subdivision Map Act
9 Forced removal of a structure because it:
12
31 Insurance coverage for a lifetime
AZ Sellers Guide | 15
32 Post-policy inflation coverage with automatic increase in value up to 150% over five years
c) violates an existing zoning law*
29 Coverage for boundary wall or fence encroachment*
18 Lack of vehicular and pedestrian access Map not consistent with legal description
b) a judgement, tax, or special assessment
15
10 Cannot use the land for a Single-Family Residence because the use violates a restriction in Schedule B or a zoning ordinance
4 Defective recording of any document
7 Title is unmarketable
21 Post-policy prescriptive easement
27 Plain language statements of policy coverage and restrictions
24 Discriminatory covenants Other benefits:
6 There is a lien on your title because there is:
23 Violation of building setback regulations
25 Pays rent for substitute land or facilities Rights under unrecorded leases
33 Post-policy Living Trust coverage
3 Forgery, fraud, duress in the chain of title
As with any insurance contract, the insuring provisions express the coverage afforded by the title insurance policy and there are exceptions, exclusions and conditions to coverage that limit or narrow the coverage afforded by the policy. Also, some cov erage may not be available in a particular area or transaction due to legal, regulatory, or underwriting considerations. Please contact a First American representative for further information. The services described above are typical basic services. The services provided to you may be different due to the specifics of your transaction or the location of the real property involved.
17
22 Covenant violation resulting in your title reverting to a previous owner
19
* Deductible and maximum limits apply. Not available to investors on 1- to 4-unit residential properties. Coverage may vary based on an individual policy.
13
Compare First American’s Eagle Policy® for Owners EAGLE StandardALTAorCLTA
8 Mechanics lien
14 Restrictive covenant violations Post-policy forgery
5 There are restrictive covenants
11 Unrecorded lien by a homeowners association Unrecorded easements Building permit violations*
c) a charge by a homeowner’s association
26
b) violates a restriction in Schedule B
2 A document is not properly signed
16 Post-policy encroachment Post-policy damage from extraction of minerals or water
a) a deed of trust
Compare First American’s Eagle Policy® for Owners EAGLE StandardALTAorCLTA
a) extends on another property and/or easement
When you consider the number of people involved, you can imagine the opportunities for delays and mishaps. Your experienced escrow team can’t prevent unforeseen problems from arising; however, they can help smooth out the process.
AZ Sellers Guide | 16
One escrow transaction could involve more than 20 individuals, including real estate agents, buyers, sellers, attorneys, escrow officer, escrow technician, title officer, loan officer, loan processor, loan underwriter, home inspector, termite inspector, insurance agent, home warranty representative, contractor, roofer, plumber, pool service, and so on. And often, one transaction depends on another.
Consider This
The escrow holder is obligated by law to have the designated amount of money before releasing any funds. If you have questions or foresee a problem, let your escrow holder know immediately.
THE CLOSING OR SIGNING APPOINTMENT
If the loan documents are satisfactory, the lender will send funds directly to the escrow holder. When the loan funds are received, the escrow holder will verify that all necessary funds are in. Escrow funds will be disbursed to the seller and other appropriate payees. Then, the REALTOR® will present the keys to the property to the buyer.
Closing Your Escrow
You will need valid identification with your photo I.D. on it when you sign documents that need to be notarized (such as a deed). A driver's license is preferred. You will also be asked to provide your social security number for tax reporting purposes, and a forwarding address.
THE CLOSING DISCLOSURE
Once the loan is approved and all invoices and paperwork have been provided, the lender and escrow officer will collaborate on the preparation of the Closing Disclosure (CD). In order to close on time, all paperwork and invoices should be submitted at least 10 days prior to the expected close of escrow date. The borrower must receive the CD at least three days* prior to consummation of the loan (typically the signing date). The escrow officer will also prepare an estimated settlement statement and inform the buyer of the balance of the down payment and closing costs needed to close escrow.
AZ Sellers Guide | 17
The escrow holder will contact you or your agent to schedule a closing or signing appointment. In some states, this is the "close of escrow." In some others, the close of escrow is either the day the documents record or that funds are disbursed. Ask your escrow holder if you would like clarification about your state's laws.
*For purposes of the Closing Disclosure“business day” is defined as every day except Sundays and Federal legal holidays.
You will have a chance to review the settlement statement and supporting documentation. This is your opportunity to ask questions and clarify terms. You should review the settlement statement carefully and report discrepancies to the escrow officer. This includes any payments that may have been missed. You are responsible for all charges incurred even if overlooked by the escrow holder, so it's better to bring these to their attention before closing.
DON'T FORGET YOUR IDENTIFICATION
WHAT HAPPENS NEXT?
If the buyer is obtaining a new loan, the buyer’s signed loan documents will be returned to the lender for review. The escrow holder will ensure that all contract conditions have been met and will ask the lender to "fund the loan."
MOVING
. Once the house is empty, check the entire house (closets, the attic, basement, etc) to ensure no items are left or no home issues exist.
Borrowed and rented items. Return items which you may have borrowed or rented. Collect items borrowed to others.
ONE WEEK BEFORE:
Travel items. Set aside items you’ll need while traveling and those needed until your new home is established. Make sure these are not packed in the moving truck!
Sign the bill of lading. Once your satisfied with the mover’s packing your items into the truck, sign the bill of lading. If possible, accompany your mover while the moving truck is being weighed.
Contact utility companies Set utility turnoff date, seek refunds and deposits and notify them of your new address.
FOUR WEEKS BEFORE:
Service small engines for your move by extracting gas and oil from the machines. This will reduce the chance to catch fire during your move.
Research moving options You’ll need to decide if yours is a do-it-yourself move or if you’ll be using a moving company.
Scan your furniture. Check furniture for scratches and dents before so you can compare notes with your mover on moving day.
Note food inventory levels Check your cupboards, refrigerator and freezer to use up as much of your perishable food as possible.
Discard unnecessary items Moving is a great time for ridding yourself of unnecessary items. Have a yard sale or donate unnecessary items to charity.
Service automobiles If automobiles will be driven long distances, you’ll want to have them serviced for a trouble-free drive.
Planning your move
AZ Sellers Guide | 18
Prepare Floor Plan. Prepare floor plan for your new home. This will help avoid confusion for you and your movers.
Changing Schools. If changing schools, contact new school for registration process.
Protect jewelry and valuables. Transfer jewelry and valuables to safety deposit box so they can not be lost or stolen during your move.
Start packing. Begin packing for your new location.
Change of address. Visit USPS for change of address form.
Cancel services. Notify any remaining service providers (newspapers, lawn services, etc) of your move.
Contact insurance companies. (Life, Health, Fire, Auto) You’ll need to contact your insurance agent to cancel/transfer your insurance policy. Do not cancel your insurance policy until you have and closed escrow on the sale.
Obtain your medical records. Contact your doctors, physicians, dentists and other medical specialists who may currently be retaining any of your family’s medical records. obtain these records or make plans for them to be delivered to your new medical facilities.
Packing materials. Gather moving boxes and packing materials for your move.
Vacate your home. Make sure utilities are off, doors and windows are locked and notify your real estate agent you’ve left the property.
Double check with your mover. Make sure your mover has the new address and your contact information should they have any questions during your move.
Request moving quotes Solicit moving quotes from as many moving companies and movers as possible. There can be a large difference between rates and services within moving companies.
Plan your itinerary. Make plans to spend the entire day at the house or at least until the movers are on their way. Someone will need to be around to make decisions. Make plans for kids and pets to be at the sitters for the day.
Bank accounts Notify bank of address change. Make sure to have a money order for paying the moving company if you are transferring or closing accounts.
ReviewDAY:thehouse
Create an inventory sheet of items to move.
SIX WEEKS BEFORE:
Seek employer benefits. If your move is work-related, your employer may provide funding for moving expenses. Your human resources rep should have information on this policy.
AZ Sellers Guide | 19
Your Notes:
AZ Sellers Guide | 20
Your Notes:
AZ Sellers Guide | 21
Your Notes:
11 DC CROSSING 18291480.563.9034N.Pima Rd , #145 Scottsdale, AZ 85255
E side 67th Ave/N of 101
1 SUN CITY WES T 13940623.299.3644W.Meeker Blvd., #119 Sun City West, AZ 85375
2 GOODYEAR 1626623.936.8001N.Litchfield Rd. Ste. #170 Goodyear, AZ 85395
9 KIERLAND COMMONS 14648480.948.6488NScottsdale Rd., Ste. #100 Scottsdale, AZ 85254
NE corner Daisy Mtn Dr/ Gavilan Peak Pkwy
S of Bell/E side of 83rd Ave
N of Shea, E side of Tatum
NW corner of Williams Field Rd./ Val Vista Rd.
NE Corner of Camelback/32nd Street
W of R.H. Johnson
SW corner Chandler/45th St.
15 MESA 1630480.401.3738S.Stapley Dr., #123 Mesa, AZ 85204
N of Baseline / W of Stapley
AZ Sellers Guide | 22
7 TATUM RIDGE 480.515 4369 11211 N Tatum Blvd, #A150 Phoenix, AZ 85028
17 GOLD CANYON 6877480.288.0883SouthKings Ranch Rd., #5 Gold Canyon, AZ 85118 E of South60/Side Kings Ranch Rd.
12 AHWATUKEE 4435480.753.4424E.Chandler Blvd , #100 Phoenix, AZ 85048
14 GILBERT SAN TAN 1528480.777.0614E.Williams Field Rd., #101 Gilbert, AZ 85295
5 ANTHEM 39508623.551.3265N.Daisy Mountain Dr., #128 Anthem, AZ 85086
SE corner of Recker & Brown
3 ARROWHEAD 16165623.487.0404N.83rd Ave , #100 Peoria, AZ 85382
8 CAREFREE 7202480.575.6609E.Carefree Dr , Bldg 1, #1 Carefree, AZ 85377
NW corner of McDowell & Litchfield
W of Scottsdale Road, S side of Greenway
SE corner of Pima/Legacy
E Side Scottsdale/S of Lincoln
SW Corner Chandler Blvd./ Dobson Rd.
N of Meeker Blvd
16 RED MOUNTAIN 1135480.534.3599N.Recker Rd., #103 Mesa, AZ 85205
10 SCOTTSDALE FORUM 6263480.551.0480N.Scottsdale Rd., #110 Scottsdale, AZ 85250
6 BILTMORE 3200602.954.3644ECamelback Rd., #123 Phoenix, AZ 85018
First American Title Branch Locator
NE corner of Tom Darlington/ Carefree Dr.
1 4 3 2 6 12 10 5 8 7 11 9 CRISMON BUTTESIGNAL GOLDFIELD OLDWESTHWY SKINGSRANCH 14 17 15 13 16 ArizonaCentral
4 THE LEGENDS 20241623.537.1608N.67th Ave , #A-2 Glendale, AZ 85308
13 CHANDLER PORTICO 2121480.777.0051W.Chandler Blvd., #215 Chandler, AZ 85224
8 ORO VALLEY/LA CANADA 520.877.9200 | Fax 520.202.6348 11165 N. La Canada Dr., Ste. 143 Oro Valley, AZ 85737
9 ORO VALLEY/ORACLE 520.229.9194 | 520.297.2576 Fax 520.229.9210 | 520.742.5866 8500 N. Oracle Rd., Ste 100 Oro Valley, AZ 85704
6 FOOTHILLS 520.299.4606 | Fax 520.577.6993 6262 N Swan Road, Suite 205 Tucson, AZ 85718
10 RITA ROAD 520.618.7790 | Fax 520.901.1720 10222 East Rita Rd., Ste. 190 Tucson, AZ 85747
2 BROADWAY 520.747.1644 | Fax 520.747.1403 3777 E. Broadway Blvd., Ste. 220 Tucson, AZ 85716
4 CASA GRANDE 520.426.4600 | Fax 520.426.4699 421 E. Cottonwood Ln. Casa Grande, AZ 85122
11 RIVER 520.529.1944 | Fax 520.615.2945 1650 E. River Rd., Ste. 105 Tucson, AZ 85718
1 MAIN OFFICE 520.885.1600 | Fax 520.885.2309 6390 E. Tanque Verde Rd. Tucson, AZ 85715
12 SKYLINE 520.529.0506 | Fax 520.529.8998 2890 E. Skyline Dr., Ste. 200 Tucson, AZ 85718
AIRPORTINT'LTUCSON Air Force WSilverbellRd SSantaRitaRd NMtLemmon Hwy ESascoRd W Avra Valley Rd E G and Va ey DrNAguirreRd dRkLNucet dRWNentzNWatermanMountainRd RdAnwayN W El Tiro Rd NTricoRd W Tucke Rd W Rudasi Rd W Manv l e Rd SSanJoaquinRdWBopp Rd W Snyder H RddRSMarstear W Park Rd W Hermans RdW He mans Rd W Guy St W Bush Rd SGarveyRd eaCNlRinconado SWimotRd SShawRd SSierritaMountainRd SKobRdW Tw nButtes Rd W Mcgee Ranch Rd ESstanca BNearCanyonRdW E Cam no De Cerro E Fairmount St SSwanRd NFrontageRd W Emigh Rd W Fort Lowe Rd dSPNumptationR Cont nental Ave NTricoRd SOwlHeadGasLineRd NTricoRd W Bayard Rd dRSSandaro N Dove Mountain Blvd SHelvetiaRd WAnamax Mine Rd dRhRiGWarcaanc Road424 WRagged Top Rd W Ruby S a Dr WBritten RanchRd W Pima Mine Rd ellRdS S Mcgee RanchRd E Edw n Rd 80 NKINNEYRDSNANDARIORDNANWAYRD W VALENCIA RD W MOORE RD W INA RD ESN1TAV E SUNRISE DR E SNYDER RDNSILVERBELLRD TRSNOLDIERLE RIVER RDE PRINCE RD E SPEEDWAY BLVD SFREEMANRDE 22ND ST E 22ND ST W IRVINGTON RD SNOGALESHWY W VALENCIA RDSMISSIONRDWSPEEDWAY BLVD SOLDSPANISHTRL W NARANJA DR W TWIN PEAKS RD W PICTURE ROCKS RD W MANVILLE RD SKINNEYRD W MILE WIDE RD E SAHUARITA RD NTRICORD OSSANDARIRD SOLDNOGALESHWY GUOSHHTONRD ADCSLAANADRW HELMET PEAK RD WAJOHWY RNASNWD RDKOLBS SHOUGHTONRD W TANGERINE RD E GRANT RD SHOUGHTONRD 95 WAJOHWY E VALENCIA RD NORACLERD I-10 I-19 77 77 86 86 286 19 10 10 Corona de Tucson AdobesCasas Catalina Green Valley Picture Rocks Three Points VailSummit TanqueVerde SahuaritaTucson Saddlebrooke Marana Oro Valley Rillito SummerhavenWillow Canyon Oracle Junction Cortaro Continental Littletown 2 3758 9 10 11 13 12 6 1 SouthernArizona First American Title Branch Locator AIRPORTINT'LTUCSON Air Force FreemanRd WSilverbellRd NMtLemmon Hwy ESascoRd NF38 W Avra Val ey Rd WSCuryRdHanna Rd E Grand Va ey D W Houser Rd W Ph ps Rd E Co nman Rd NAguirreRd dRkLNucet dRWNentzNWatermanMountainRd RdAnwayN W El Tiro Rd NTricoRd W Tucke Rd W Rudas Rd W Manv e Rd SSanJoaquinRdWBopp Rd W Snyde H RddRlSMarsear W Pa k Rd W He mans RdW Hermans Rd W Guy St W Bush Rd SGaveyRd eaCNllRinconado SWimotRd SShawRd SSierritaMountainRd boRdRd W Woodru Rd ONveriedRd W Rando ph Rd W BartlettNRdLaPamaRdNTweedyRd E Randolph Rd W Kleck Rd E K eck Rd W Se ma Hwy STrekellRd SHennessRd E Selma Hwy W Co nman Rd W Pretzer Rd SLambRd SLaPalmaRd E M gan Rd E M gan Rd W A es Dr E Curtis Rd ESsancaDr EDesertDove HearthRd E Hemlock Dr BNearCanyonRdW E Cam no De Cerro E Fairmount St SSwanRd NFrontageRd W Emigh Rd GoffRanchRd NBarkervilleRd W Fort Lowe Rd dSPNumpationR E Nona Rd Ch efButteRd LovettaRd E Hanna Rd TecoloteRanchRd FlorenceRdRomeroRd Con nenta Ave BIA 30 NTricoRd SSunandGnRd SCattleTankRd E E s Rd E Hotts Rd E Nutt Rd Evalyn Rd SOwlHeadRanchRdGasLineRd PSecanRd I on Va ey RdEDeepWellRanchRd SNighSkySt SBadyPumpRdE Houser Rd E Ar ca Rd W Ea ey Rd NTrcoRd W Baya d Rd dRSSandario WillowSpringsRd EHelmwheel Ranch Rd N Dove Mounta n Blvd BIA-35 dRhRiGWarcaanc E Dese H s Rd WRagged Top Rd W Pima Mine Rd WSilverbellRdS E Edw n Rd BIA34 SGuildRd 80 NKINNEYRD SPICACHOHWYE GREENE RESERVOIR RD SSUNLANDGINRD W BATTAGLIA DR AZ-84 E BAUMGARTNER RD SSUNSHINEBLVD SNANDARIORDNANWAYRD E HARMON RD W VALENCIA RD E RODEO RD W MOORE RD W INA RD ESN1TAV E SUNRISE DR E SNYDER RDNSILVERBELLRD TRSNOLDIERLE RIVER RDE PRINCE RD E SPEEDWAY BLVD SFREEMANRDE 22ND ST E 22ND ST W IRV NGTON RD SNOGALESHWY W VALENC A RDSMISSIONRDWSPEEDWAY BLVD SOLDSPANISHTRL W NARANJA DR W TW N PEAKS RD W P CTURE ROCKS RD W MANVILLE RD SKINNEYRD W MILE WIDE RD E SAHUAR TA RD W HARMON RD W MCCARTNEY RD NTRICORD OSSANDARRD PARK LINK DR GUOSHHTONRD ADDR E MART N RD STHORNTONRD W HELMET PEAK RD SCHUICHURD WAJOHWY RNASNWD RDKOLBS SHOUGHTONRD W TANGER NE RD E GRANT RD SHOUGHTONRD NPINALAVE 95 WAJOHWY E VALENCIA RD NORACLERD I10 I-19 I8 77 77 79 77 77 87 86 86 387 287 86 10 19 8 10 10 10 La Palma Chuichu Arizona City Corona de Tucson AdobesCasas Catalina OracleDudleyvilleGrandeCasa Picture Rocks Three Points VailSummit TanqueVerde Eloy SahuaritaTucson Cactus Forest Picacho Red Rock Saddlebrooke Marana Oro Valley HaivanaNakya Rillito SummerhavenWillow Canyon Randolph Toltec Oracle Junction Cortaro Schuchk Littletown 2 4 385 9 10 11 13 12 6 1 AIRPORTINT'LTUCSON Air Force WSilverbellRd SSantaRitaRd NMtLemmon Hwy W Avra Valley Rd guirreRd dRkLNucet dRWNenzNWatermanMountainRd RdAnwayN W El Tiro Rd NTricoRd W Tucke Rd W Rudas Rd W Manv e Rd SSanJoaquinRdWBopp Rd W Snyder H RddRlSMarsear W Park Rd W Hermans RdW He mans Rd W Guy St W Bush Rd SGarveyRd eaCNlRnconado SWmoRd SShawRd SSierritaMountainRd SKobRdW TwinButtes Rd W Mcgee Ranch Rd BNearCanyonRdW E Cam no De Cerro E Fairmount St SSwanRd NFrontageRd W Emigh Rd W Fort Lowel Rd dSPNumptationR NNTricoRdTcoRd W Baya d Rd dRSSandaro N Dove Mountain Blvd SHelvetiaRd WAnamax M ne Rd dRhRiGWacaanc Road424 ed Top Rd W Ruby S ar D WBritten RanchRd W Pima Mine Rd S Mcgee RanchRd 80 NKINNEYRDSNANDARIORDNANWAYRD W VALENC A RD W MOORE RD W INA RD ESN1TAV E SUNR SE DR E SNYDER RDNSILVERBELLRD TRSNOLDIERLE RIVER RDE PRINCE RD E SPEEDWAY BLVD SFREEMANRDE 22ND ST E 22ND ST W IRV NGTON RD SNOGALESHWY W VALENCIA RDSMISSIONRDWSPEEDWAY BLVD SOLDSPANISHTRL W NARANJA DR W TW N PEAKS RD W P CTURE ROCKS RD W MANVILLE RD SKINNEYRD W MILE WIDE RD E SAHUARITA RD NTRICORD OSSANDARIRD SOLDNOGALESHWY GUOSHHTONRD ADCSLAANADRW HELMET PEAK RD WAJOHWY RNASNWD RDKOLBS SHOUGHTONRD W TANGERINE RD E GRANT RD SHOUGHTONRD 95 WAJOHWY E VALENCIA RD NORACLERD I-19 77 77 86 86 286 19 10 10 Corona de Tucson AdobesCasas Catalina Green Valley Picture Rocks Three Points VailSummit TanqueVerde SahuaritaTucson Marana Oro Valley Rillito SummerhavenWillow Canyon Cortaro Continental Littletown 2 3758 9 10 11 13 12 6 1 AZ Sellers Guide | 23
5 CASAS ADOBES 520.575.1900 | Fax 520.432.0168 6760 N. Oracle Rd., Ste. 100B Tucson, AZ 85704
13 TANQUE VERDE 520.202.2626 | Fax 520.495.6151 7479 E. Tanque Verde Tucson, AZ 85715
7 GREEN VALLEY 520.625.1095 | Fax 520.958.9663 190 W. Continental Rd., Ste. 226 Green Valley, AZ 85622
3 CAMBRIC 520.577.8707 | Fax 520.529.5034 1840 E. River Rd., Ste. 200 Tucson, AZ 85718
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