11526 S. Morningside Drive

11526 S. Morningside Drive

Goodyear, AZ 85338

WIRE FRAUD ADVISORY 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.

PROTECT YOURSELF

DO NOT TRUST EMAILS CONTAINING WIRE INSTRUCTIONS • If you receive an email containing wire transfer instructions, immediately call your escrow officer to ensure the validity of the instructions.

DO NOT TRUST EMAILS SEEKING PERSONAL/FINANCIAL INFORMATION • 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.

TRUST YOUR SOURCE OF INFORMATION • 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.

• 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.

ONLINE RESOURCES: There are many online sources that can provide useful information regarding similar topics including, but not limited to, the following sites: The Federal Bureau of Investigation @ https://www.fbi.gov/scams-and-safety The Internet Crime Complaint Center @ www.ic3.gov The National White Collar Crime Center @ http://www.nw3c.org/research On Guard Online @ www.onguardonline.gov

VERIFY AND NOTIFY

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!

Immediately notify your banking institution and Settlement/Title Company if you are a victim of wire fraud.

The undersigned acknowledges receipt of this Wire Fraud Advisory.

Client

Date

Client

Date

LIMITATION OF LIABILITY FOR INFORMATIONAL REPORTS

IMPORTANT -- PLEASE READ CAREFULLY:

This report is not an insured product or service or a representation of the condition of title to real property. It is not an abstract, 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.

Subject Property 11526 S Morningside Dr Goodyear AZ 85338 APN: 400-52-747

Data Provided By: First American Title Ins Co

© 2022 CoreLogic. All rights reserved

Data Provided By: First American Title Ins Co

Disclaimer 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.

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.

© 2022 CoreLogic. All rights reserved

Subject Property : 11526 S Morningside Dr Goodyear AZ 85338 Owner Information Owner Name : Nancy John / Nancy Kramer Mailing Address : 11526 S Morningside Dr, Goodyear AZ 85338-9547 R002 Vesting Codes : / / Trust Owner Occupied O Indicator : Location Information Legal Description : Lot 160 Estrella Parcel 55 Mcr 325-42 County : Maricopa, Az Census Tract / Block : 7233.09 / 1 Township-Range- Sect : 01S-02W-14 Legal Lot : 160 APN : 400-52-747

Subdivision : Estrella Prcl 55 Map Reference : 32542 School District : Liberty 25 Munic/Township : Goodyear Neighbor Code : 29-005

Owner Transfer Information Recording/Sale Date : 05/11/2020 / 04/27/2020

Deed Type : Quit Claim Deed

Document # : 401774 Last Market Sale Information Recording/Sale Date : 04/20/1999 / 01/00/1999 Sale Price : $138,668 Document # : 374887 Deed Type : Deed (reg)

1st Mtg Int. Rate/Type : / Fixed Rate Loan 1st Mtg Document # : 374888 1st Mtg Term : 30 Price Per SqFt : $74.11

1st Mtg Amount/Type : $85,000 / Cnv Title Company : First American Title Lender : Chase Manhattan Mtg Seller Name : Presley Southwest Inc Prior Sale Information Prior Rec/Sale Date : 06/20/1994 / 06/00/1994 Prior Sale Price : $27,372,076

Prior Doc Number : 481808 Prior Deed Type : Sheriff's Deed

Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 © 2022 CoreLogic. All rights reserved

Property Characteristics Gross Area : 1,871 Living Area : 1,871 Total Rooms : 6 Year Built / Eff : 1999 # of Stories : 1 Parking Type : Garage

Garage 2 Capacity :

Pool : Pool

Roof Material : Concrete Tile

Air Cond : Refrigeration

Heat Type : Forced Air

Quality : Average

Cooling Type : Forced Air

Condition : Average

Exterior wall : Frame Wood Patio Type : Covered Patio

Bath Fixtures : 8 Pool Size : 305

Property Information Land Use : Sfr Zoning : PLANNED AREA DEVELOPMENT

Lot Size : 6,105

Sewer Type : Public Service

Water Type : Type Unknown

State Use : Single Fam Resrural Subd ( 3 )

Lot Acres : 0.14 Tax Information Total Value : $234,800

Improve % : 80%

Current Assessed 2023 Year :

Land Value : $46,900

Tax Year : 2021

Improvement $187,900 Value :

Property Tax : $2,026.86

Total Taxable $18,264 Value : Assessed Year : 2021

Current Year Total $33,670 Value :

Tax Rate Area : 250800

Current Year $26,940 Improvement Value : Current Year Land $6,730 Value :

Market Value : $234,800

Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 © 2022 CoreLogic. All rights reserved

Sales Analysis Criteria

Subject Property

Sale Price

Low

High

Average

$138,668

$475,000

$550,000

$500,237

1871

1610

2128

1860

$74.11

$223

$323

$270.61

Year Built

1999

1998

2019

2008

Lot Size

6,105

5,000

10,698

7,059

Bathrooms

3

3

4

3

Stories

1

1

2

1

$234,800

$216,100

$286,500

$240,589

0

0.17

0.63

0.46

Bldg/Living Area Price Per Square Foot

Bedrooms

Total Assessed Value Distance From Subject Summary of Comparables #

S

1

2

3

4

5

6

Address

Sale Price

Total Assessed Value

Sale Date

11526 S Morningside Dr

138,668

234,800

04/20/1999

17654 W Hubbard Dr

493,200

237,300

11353 S Hopi Dr

475,000

11355 S Hopi St

Bed Bath

Living Area

Lot Size

Year Built

Dist (Miles)

Zoning

3

1,871

6,105

1999

06/21/2022

3

1,869

5,000

2019

0.17

PLANNED AREA DEVELOPMENT

241,000

08/31/2022

3

1,843

8,532

1998

0.28

PLANNED AREA DEVELOPMENT

486,000

244,300

10/27/2021

3

1,869

7,260

1999

0.34

PLANNED AREA DEVELOPMENT

11182 S Hopi Dr

525,000

238,700

05/03/2022

3

1,843

7,260

1999

0.35

PLANNED AREA DEVELOPMENT

10979 S Indian Wells Dr

540,000

286,500

08/10/2022

3

2,093

10,698

1998

0.37

PLANNED AREA DEVELOPMENT

17502 W Wandering Creek Rd

486,000

217,700

05/31/2022

3

1,782

7,116

2001

0.38

PLANNED AREA DEVELOPMENT

PLANNED AREA DEVELOPMENT

Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 © 2022 CoreLogic. All rights reserved

11304 S Palomino Ln

501,000

237,800

04/20/2022

3

1,843

8,345

1999

0.42

PLANNED AREA DEVELOPMENT

11134 S 175th Ln

490,000

234,600

04/11/2022

3

1,907

6,110

2016

0.43

PLANNED AREA DEVELOPMENT

17444 W Wandering Creek Rd

475,000

216,100

09/02/2022

3

1,782

6,600

2000

0.44

PLANNED AREA DEVELOPMENT

17436 W Rock Wren Ct

475,000

238,200

01/21/2022

4

2,128

6,522

2000

0.49

PLANNED AREA DEVELOPMENT

17516 W Polaris Dr

520,000

244,300

05/06/2022

3

1,610

6,072

2017

0.5

PLANNED AREA DEVELOPMENT

17519 W Copper Ridge Dr

487,500

254,100

03/08/2022

3

1,907

7,072

2016

0.51

PLANNED AREA DEVELOPMENT

17492 W Polaris Dr

489,900

237,600

08/10/2022

3

1,715

6,603

2016

0.53

PLANNED AREA DEVELOPMENT

17493 W Polaris Dr

500,000

243,100

06/22/2022

3

1,715

8,498

2016

0.54

PLANNED AREA DEVELOPMENT

15

17522 W Desert Sage Dr

550,000

237,600

03/14/2022

3

1,873

7,318

2002

0.56

PLANNED AREA DEVELOPMENT

16

17395 W Coyote Trail Dr

478,900

228,500

06/27/2022

4

2,128

6,572

2004

0.56

PLANNED AREA DEVELOPMENT

10828 S 175th Dr

531,000

250,500

04/28/2022

3

1,907

6,364

2017

0.57

PLANNED AREA DEVELOPMENT

17568 W Summit Dr

506,000

246,700

05/16/2022

3

1,907

6,237

2018

0.6

PLANNED AREA DEVELOPMENT

17415 W Eagle Ct

495,000

236,600

04/22/2022

3

1,610

5,950

2018

0.63

PLANNED AREA DEVELOPMENT

7

8

9

10

11

12

13

14

17

18

19

Distressed Sales =

Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 © 2022 CoreLogic. All rights reserved

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

Arizona Schools For detailed information and statistics on Arizona schools please go to https://azreportcards.azed.gov/

First American Title Insurance Company, and the operating divisions thereof, make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions.

First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates. ©2021 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF | 05117910421

Public Schools :

Elementary Schools

Estrella Mountain Elementary School

Distance 1.02 Miles

10301 S San Miguel Ave Goodyear AZ 85338 Telephone : (623) 327-2820 Lowest Grade : Pre-K Kindergarten : Yes Enrollment : 564

School District : Liberty Elementary District (4266) Highest Grade : 8th School Enrollment : Total Expenditure/Student : 68

Westar Elementary School

Distance 1.15 Miles

17777 W Westar Dr Goodyear AZ 85338 Telephone : (623) 237-2840 Lowest Grade : Pre-K Kindergarten : Yes Enrollment : 738

School District : Liberty Elementary District (4266) Highest Grade : 8th School Enrollment : Total Expenditure/Student : 68

High Schools

Estrella Foothills High School

Distance 1.1 Miles

13033 S Estrella Pkwy Goodyear AZ 85338 Telephone : (623) 327-2400 Lowest Grade : 9th School Enrollment : Total Expenditure/Student : 174

School District : Buckeye Union High School District (4284) Highest Grade : 12th Enrollment : 1132 Advanced Placement : No

Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 © 2022 CoreLogic. All rights reserved

West-mec - Estrella Foothills High School

Distance 1.12 Miles

13033 S Estrella Pkwy Goodyear AZ 85338 Telephone : (623) 327-2400

Lowest Grade : 9th School Enrollment : Total Expenditure/Student :

School District : West-mec - Western Maricopa Education Center (80923) Highest Grade : 12th Enrollment : 0 Advanced Placement : No

Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 © 2022 CoreLogic. All rights reserved

Local Business Attractions / Recreation Name

Address

Telephone

Distance (Miles)

Emr Golf Club, Llc

11800 S Golf Club Dr Goodyear Az

(623) 386-2600

0.08

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

Tga Tennis

17579 W Acacia Ct Goodyear Az

(480) 662-6711

0.41

Banks / Financial Name

1st Heritage Home Mortgage Inc.

Address

Telephone

12801 S 176th Ln Goodyear Az

(602) 206-1850

Distance (Miles)

0.8

Eating / Drinking Name

Address

Telephone

Distance (Miles)

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

Tropical Smoothie Az 2 In

10736 S Indian Wells Dr Goodyear Az

(623) 302-0269

0.53

Azsoccerevents

18108 W Desert Sage Dr Goodyear Az

(623) 695-3025

0.66

Health Care Services Name

Address

Telephone

Distance (Miles)

Ana Luisa Bustamante Ph.d.

17550 W Desert Sage Dr Goodyear Az

(602) 418-2049

0.52

Estrella Anesthesia, Llc

12556 S 177th Ln Goodyear Az

(623) 374-4413

0.64

Team Cpr, Llc

18158 W Desert Sage Dr Goodyear Az

(602) 418-4604

0.66

Dd Build Llc

12826 S 177th Ln Goodyear Az

(623) 322-1807

0.79

Organizations / Associations Name

Estrella Mountain Church

Address

Telephone

10485 S Estrella Pkwy Goodyear Az

(623) 476-5578

Distance (Miles)

0.75

Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 © 2022 CoreLogic. All rights reserved

Personal Services Name

Address

Telephone

Distance (Miles)

Better Body Outlook Llc

12487 S 176th Ave Goodyear Az

(623) 261-3875

0.65

Fitness Estrella, Llc

12721 S 176th Ln Goodyear Az

(623) 386-5857

0.76

Deja Vu Med Spa Llc

12810 S 177th Ave Goodyear Az

(623) 242-8464

0.8

Fireground Fitness, Llc

18116 W East Wind Ave Goodyear Az (623) 536-3486

0.98

Shopping Name

Address

Telephone

Distance (Miles)

Matco Tools

11825 S 174th Ave Goodyear Az

(951) 961-1292

0.48

Herbal Quest

11889 S 174th Ave Goodyear Az

(623) 975-1578

0.5

Estrella Sunchase Inc

17750 W Elliot Rd Ste A Goodyear Az

(623) 386-2111

0.98

Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 © 2022 CoreLogic. All rights reserved

11522 S MORNINGSIDE DR Owner Name : Baumgardner Adam Sale Date : 02/16/2016 Total Value : $250,300 Bed / Bath : / 3 Land Use : Sfr Stories : 1 Yr Blt / Eff Yr Blt : 1999 /

Distance 0.01 Miles Subdivision : Estrella Prcl 55 Recording Date : 02/18/2016 Sale Price : $185,000 Property Tax : $2,217.52 Lot Acres : 0.15 Living Area : 2,256 APN : 400-52-748

11525 S MORNINGSIDE DR Owner Name : Rottell B Joann Sale Date : 06/19/2002 Total Value : $235,500 Bed / Bath : / 3 Land Use : Sfr Stories : 1 Yr Blt / Eff Yr Blt : 1999 /

Distance 0.03 Miles Subdivision : Estrella Prcl 55 Recording Date : 06/19/2002 Sale Price : $165,500 Property Tax : $2,347.72 Lot Acres : 0.15 Living Area : 2,068 APN : 400-52-744

11536 S MORNINGSIDE DR Owner Name : Weber Michael J Sale Date : 07/05/2000 Total Value : $228,600 Bed / Bath : / 3 Land Use : Sfr Stories : 1 Yr Blt / Eff Yr Blt : 1999 /

Distance 0.03 Miles Subdivision : Estrella Prcl 55 Recording Date : 07/14/2000 Sale Price : $145,000 Property Tax : $1,954.74 Lot Acres : 0.17 Living Area : 1,871 APN : 400-52-729

17767 W CORPUS CHRISTI CT Owner Name : Wayne Gregory Sale Date : 04/27/2015 Total Value : $253,800 Bed / Bath : / 3 Land Use : Sfr Stories : 1 Yr Blt / Eff Yr Blt : 1999 /

Distance 0.05 Miles Subdivision : Estrella Prcl 55 Recording Date : 05/15/2015 Sale Price : $225,000 Property Tax : $2,555.16 Lot Acres : 0.19 Living Area : 1,871 APN : 400-52-731 Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 © 2022 CoreLogic. All rights reserved

11540 S MORNINGSIDE DR Owner Name : Welter Martin J Sale Date : 08/00/1999 Total Value : $263,500 Bed / Bath : / 3 Land Use : Sfr Stories : 1 Yr Blt / Eff Yr Blt : 1999 /

Distance 0.05 Miles Subdivision : Estrella Prcl 55 Recording Date : 10/06/1999 Sale Price : $162,642 Property Tax : $2,354.98 Lot Acres : 0.22 Living Area : 2,256 APN : 400-52-728

17769 W CORPUS CHRISTI CT Owner Name : Woerner David Sale Date : 04/28/2011 Total Value : $235,700 Bed / Bath : / 3 Land Use : Sfr Stories : 1 Yr Blt / Eff Yr Blt : 1999 /

Distance 0.05 Miles Subdivision : Estrella Prcl 55 Recording Date : 05/19/2011 Sale Price : $152,350 Property Tax : $2,028.64 Lot Acres : 0.21 Living Area : 1,871 APN : 400-52-732

11485 S MORNINGSIDE DR Owner Name : Clark Cheryl M Sale Date : 09/00/1997 Total Value : $255,700 Bed / Bath : / 3 Land Use : Sfr Stories : 1 Yr Blt / Eff Yr Blt : 1998 /

Distance 0.06 Miles Subdivision : Estrella Prcl 55 Recording Date : 02/25/1998 Sale Price : $144,900 Property Tax : $2,260.46 Lot Acres : 0.18 Living Area : 2,256 APN : 400-52-741

17761 W CORPUS CHRISTI CT Owner Name : Jkn Trust Sale Date : 10/00/1998 Total Value : $266,800 Bed / Bath : / 3 Land Use : Sfr Stories : 1 Yr Blt / Eff Yr Blt : 1999 /

Distance 0.06 Miles Subdivision : Estrella Prcl 55 Recording Date : 03/19/1999 Sale Price : $160,498 Property Tax : $2,389.34 Lot Acres : 0.24 Living Area : 2,256 APN : 400-52-730 Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 © 2022 CoreLogic. All rights reserved

11539 S MORNINGSIDE DR Owner Name : Kathyleen Michael Sale Date : 04/28/2015 Total Value : $235,000 Bed / Bath : / 3 Land Use : Sfr Stories : 1 Yr Blt / Eff Yr Blt : 1996 /

Distance 0.06 Miles Subdivision : Estrella Prcl 55 Recording Date : 05/15/2015 Sale Price : $244,000 Property Tax : $1,959.94 Lot Acres : 0.21 Living Area : 1,871 APN : 400-52-725

11543 S MORNINGSIDE DR Owner Name : Robbins Izabella Sale Date : 12/30/2008 Total Value : $248,000 Bed / Bath : / 3 Land Use : Sfr Stories : 1 Yr Blt / Eff Yr Blt : 1996 /

Distance 0.07 Miles Subdivision : Estrella Prcl 55 Recording Date : 01/28/2009 Sale Price : $200,000 Property Tax : $2,105.92 Lot Acres : 0.22 Living Area : 2,068 APN : 400-52-726

Customer Name : Kariann Keomaka Customer Company Name : First American Title Insurance Company Prepared On : 09/20/2022 © 2022 CoreLogic. All rights reserved

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

+ FIRST AMERICAN TITLE, FC0, KWAL 09/20/2022 12:36PM TCI1

MARICOPA, AZ

INVESTIGATIVE SEARCH RESULTS

PAGE 1 OF 1

SEARCH PARAMETERS PARCEL: PARCEL:

400-52-747 400-52-747

6

OWNER:

JOHN & NANCY KRAMER TRUST

SITUS:

11526 S MORNINGSIDE DR GOODYEAR

MAIL:

11526 S MORNINGSIDE DR

INSTRUMENT

REC DATE

2020 401774

05/11/2020

GOODYEAR, AZ 85338 PLAT:

325 - 42

LOT

160

LEGAL:

ESTRELLA PARCEL 55 MCR 325-42

CURRENT TAXES

INFORMATION THROUGH 08/26/2022

LAND

IMPR

EXEMPT

RATE

AREA

SPECIAL DISTRICTS

PRIMARY

19,177

0

0

7.3547

250800

30002

SECONDARY

4,960

19,870

0

4.3303

2022 TOTAL TAX BILLED

1,912.28

2022

TAX AMT

TAX DUE

INTEREST

FIRST HALF

956.14

956.14

0.00

956.14

SECOND HALF

956.14

956.14

0.00

956.14

TOTAL CURRENT TAXES DUE 09/22

1,912.28

10/22

1,912.28

DATE PAID

TOTAL DUE

(ESTIMATED)

RESIDENTIAL IMPROVEMENTS BLDG SQFT

1,871

COOLING

YEAR BUILT

1999

EXTERIOR WALLS

NUMBER OF STORIES

1.0

NUMBER OF ROOMS

REFRIGERATION

ROOF

OTHER

CONSTRUCTION CLASS

NUMBER OF BATH FIXTURES

8

PATIO (TYPE AND NUMBER)

COVERED 1

GARAGE (TYPE AND NUMBER)

GARAGE 2

POOL SQ FT

305

HEATING

FRAME WOOD

PHYSICAL CONDITION LAND USE

R3 OTHER 01 33

LOT SIZE

6,105 SQ FT

SCHOOL DISTRICT

250800

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

Covenants, Conditions & Restrictions Thank you for the opportunity to be of service.

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.

Home Seller’s Guide

to the Title & Escrow Process in Arizona

Quick Reference

Table of

Contents

Your Escrow Number Your New Address City/State/Zip Real Estate Agent Name

Email

Assistant

Email

Company

Phone

03 Welcome

Address

Fax

04 Benefits of Using a REALTOR®

First American Title

02 Quick Reference

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

Escrow Officer

Email

Escrow Assistant

Email

Address

Phone

City/State/Zip

Fax

Insurance Previous Company

Phone

Previous Agent

Policy No.

New Company

Phone

New Agent

Policy No.

Home Warranty Company

Policy No.

14 Understanding Title Insurance

Utilities and Services

16 Consider This

Southwest Gas 1.877.860.6020 www.swgas.com

Dish Network 1.800.823.4929 www.dishnetwork.com

Verizon 1.877.300.4498 www.connecttoverizon.com

Cox 602.277.1000 www.cox.com

CenturyLink 800.366.8201 www.centurylink.com

Salt River Project 602.236.8888 www.srpnet.com

Direct TV 1.888.777.2454 www.directv.com

AT&T 1.800.222.0300 www.att.com

APS 602.371.7171 www.aps.com

17 Closing Your Escrow 18 Planning Your Move

Count on First American Title 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 Us For Service 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.

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 For Convenience 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 To Meet Your Needs 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.

AZ Sellers Guide | 3

Benefits of using a Professional REALTOR

®

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.

A REALTOR®:

FOR SALE BY OWNER 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.

Do you...

› U nderstands market conditions and has access to information not available to the average homeowner.

- have the knowledge, patience, and sales skills needed to sell your home?

› C an advertise effectively for the best results.

- k now how to determine your home’s current market value?

› K nows how to price your home realistically, to give you the highest price possible within your time frame. › I s experienced in creating demand for homes and how to show them to advantage. › K nows how to screen potential buyers and eliminate those who can’t qualify or are looking for bargain-basement prices.

- know how to determine whether or not a buyer can qualify for a loan?

- understand the steps of an escrow and what’s required of you and the buyer?

- 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?

- know how to advertise effectively and what the costs will be?

› K nows how to go toe-to-toe in negotiations.

- understand the various types of loans buyers may choose and the advantages and disadvantages for the seller?

› I s always “on-call,” answering the phone at all hours, and showing homes evenings and weekends.

- have arrangements with an escrow and title company, home warranty company, pest-control service and lender to assist you with the transaction?

› C an remain objective when presenting offers and counter-offers on your behalf. › Maintains errors-and-omissions insurance.

Are you...

› W ill listen to your needs, respect your opinions and allow you to make your own decisions.

- aware of conditions in the marketplace today that affect value and length of time to sell?

› C an help protect your rights, particularly important with the increasingly complicated real estate laws and regulations.

- concerned about having strangers walking through your home?

› I s experienced with resolving problems to facilitate a successful closing on your home.

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!

- familiar enough with real estate regulations to prepare a binding sales contract? Counter-offers?

- aware that every time you leave your home, you are taking it off the market until you return?

- aware that prospective buyers and bargain hunters will expect you to lower your cost because there’s no REALTOR® involved?

- prepared to give up your evenings and weekends to show your home to potential buyers and “just-looking” time wasters?

AZ Sellers Guide | 4

Key Professionals Involved in Your Transaction REALTOR

®

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.®

LISTING AGENT 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.

BUYER'S AGENT 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.

MULTIPLE LISTING SERVICE (MLS) 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 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.

ESCROW OFFICER An escrow officer leads the facilitation of your escrow, including escrow instructions preparation, document preparation, funds disbursement, and more.

AZ Sellers Guide | 5

Mow and edge the lawn regularly, and trim the shrubs.

Make your entry inviting: Paint your front door and buy a new front door mat.

Paint or replace the mailbox, if needed.

If screens or windows are damaged, replace or repair them.

Repair or replace worn shutters and other exterior trim. ake sure the front steps are clear and hazard-free. Make sure the doorbell works M properly and has a pleasant sound.

PREPARING YOUR HOME FOR SALE

Ensure that all exterior lights are working.

Check stucco walls for cracks and discoloration.

Remove any oil and rust stains from the driveway and garage.

Clean and organize the garage, and ensure the door is in good working order.

Shampoo carpeting or replace if worn. Clean tile floors, particularly the caulking.

B righten the appearance inside by painting walls, cleaning windows and window coverings, and removing sunscreens.

Repair leaky faucets and caulking in bathtubs and showers.

R epair or replace loose knobs on doors and cabinets. If doors stick or squeak, fix them.

First impressions have a major impact on potential buyers. Try to imagine what potential buyers will see

Make sure toilet seats look new and are firmly attached.

Repair or replace loud ventilating fans.

when they approach your house for the first time

Replace worn shower curtains.

and walk through each room. Ask your REALTOR® for advice; they know the marketplace and what helps a

R earrange furniture to make rooms appear larger. If possible, remove and/or store excess furniture, and avoid extension cords in plain view.

home sell. Here are some tips to present your home

Remove clutter throughout the house. Organize and clean out closets.

in a positive manner:

Clean household appliances and make sure they work properly.

A ir conditioners/heaters, evaporative coolers, hot water heater should be clean, working and inspected if necessary. Replace filters.

C heck 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.

AZ Sellers Guide | 6

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:

K eep everything clean. A messy or dirty home will cause prospective buyers to notice every flaw.

C lear all clutter from counter tops.

L et the light in. Raise shades, open blinds, pull back the curtains and turn on the lights. et rid of odors such as tobacco, pets, cooking, etc., but don’t overdo air fresheners G or potpourri. Fresh baked bread and cinnamon can make a positive impact.

S end pets away or secure them away from the house, and be sure to clean up after them.

Close the windows to eliminate street noise.

I f possible you, your pets, and your children should be gone while your home is being shown.

C lean trash cans and put them out of sight.

I f 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.

K eep 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.

C heck that sink and tub are scrubbed and unstained.

M ake beds with attractive spreads.

Stash or throw out newspapers, magazines, junk mail.

AZ Sellers Guide | 7

AZ Sellers Guide | 8

Terms You Should Know Appraisal An estimate of value of property resulting from analysis of facts about the property; an opinion of value.

Annual Percentage Rate (APR) The borrower’s costs of the loan term expressed as a rate. This is not their interest rate.

Beneficiary The recipient of benefits, often from a deed of trust; usually the lender.

Closing Disclosure (CD) 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.

Close of Escrow Generally the date the buyer becomes the legal owner and title insurance becomes effective.

Comparable Sales Sales that have similar characteristics as the subject real property, used for analysis in the appraisal. Commonly called “comps.”

Consummation 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.

Deed of Trust An instrument used in many states in place of a mortgage.

Deed Restrictions 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.

Disbursement Date 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.

Earnest Money Deposit Down payment made by a purchaser of real property as evidence of good faith; a deposit or partial payment.

Easement A right, privilege or interest limited to a specific purpose that one party has in the land of another.

Endorsement As to a title insurance policy, a rider or attachment forming a part of the insurance policy expanding or limiting coverage.

Hazard Insurance 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.

Impounds 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.

Legal Description 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.

Lien 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.

Loan Estimate (LE) 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.

Mortgage The instrument by which real property is pledged as security for repayment of a loan.

PITI A payment that includes Principal, Interest, Taxes, and Insurance.

Power of Attorney 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.”

Recording Filing documents affecting real property with the appropriate government agency as a matter of public record.

Settlement statement Provides a complete breakdown of costs involved in a real estate transaction.

TRID TILA-RESPA Integrated Disclosures

AZ Sellers Guide | 9

The Life Of An Escrow THE BUYER

THE SELLER

THE ESCROW OFFICER

THE LENDER

Chooses a Real Estate Agent

Chooses a Real Estate Agent

Upon receipt of order and earnest money deposit, orders title examination.

Gets pre-approval letter from Lender and provides to Real Estate Agent.

Accepts Buyer’s offer to purchase.

Accepts Buyer’s application and begins the qualification process. Provides Buyer with Loan Estimate.

Makes offer to purchase. Upon acceptance, opens escrow and deposits earnest money.

Finalizes loan application with Lender. Receives a Loan Estimate from Lender.

Completes and returns opening package from First American Title.

Orders any work for inspections and/or repairs to be done as required by the purchase agreement.

Schedules inspections and evaluates findings.

Reviews title commitment/ preliminary report.

Escrow officer or real estate agent contacts the seller to schedule signing appointment.

Provides all requested paperwork to Lender (bank statements, tax returns, etc.) All invoices and final approvals should be to the lender no later than 10 days prior to loan consummation.

Documents are recorded and all proceeds from sale are received.

Lender (or Escrow Officer) prepares CD and delivers to Buyer at least 3 days prior to loan consummation.

Escrow officer or real estate agent contacts the buyer to schedule signing appointment.

Buyer consummates loan, executes settlement documents, & deposits funds via wire transfer.

Documents are recorded and the keys are delivered!

AZ Sellers Guide | 10

Completes and returns opening package from First American Title, including information such as forwarding address, payoff lender contact information and loan numbers.

Requests necessary information from buyers and sellers via opening packages.

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 commitment/ preliminary report.

All demands, invoices, and fees must be collected and sent to lender at least 10 days prior to loan consummation.

Coordinates with lender on the preparation of the CD. Reviews all documents, demands, and instructions and prepares settlement statements and any other required documents.

Schedules signing appointment and informs buyer of funds due at settlement.

Once loan is consummated, sends funding package to lender for review.

Prepares recording instructions and submits docs for recording.

Documents are recorded and funds are disbursed. Issues final settlement statement.

Orders and reviews title commitment / preliminary report, property appraisal, credit report, employment and funds verification.

Collects information such as title commitment / preliminary report, appraisal, credit report, employment and funds verification. Reviews and requests additional information for final loan approval.

Underwriting 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 consummation.

Delivers loan documents to escrow.

Upon review of signed loan documents, authorizes loan funding.

Closing Costs: Who Pays What THIS CHART INDICATES WHO CUSTOMARILY PAYS WHAT COSTS

CASH

FHA

VA

CONV

BUYER

BUYER

BUYER

BUYER

1.

Downpayment

2.

Termite (Wood Infestation) Inspection (negotiable except on VA)

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.)

17.

Taxes

PRORATE

PRORATE

PRORATE

18.

Tax Impounds

BUYER

BUYER

BUYER

19.

Tax Service Contract

SELLER

SELLER

BUYER

20.

Fire/Hazard Insurance

21.

Flood Insurance

22.

Homeowners Association (HOA) Transfer Fee

23.

HOA/Disclosure Fee

24.

Current HOA Payment

25.

Next Month’s HOA Payment

26.

Home Warranty Premium (negotiable)

27.

REALTORS®’ Commissions

28.

EAGLE Homeowners Title Policy

29.

Lenders Title Policy and Endorsements

30.

Escrow Fee (NOTE: Charge seller on VA Loan)

31.

Recording Fees (Flat rate)

32.

Reconveyance/Satisfaction Fee

33.

Courier/Express Mail Fees

SELLER

SELLER PRORATE

BUYER

BUYER

BUYER

BUYER

BUYER

BUYER

BUYER

BUYER or SELLER

BUYER or SELLER

BUYER or SELLER

BUYER or SELLER

SELLER

SELLER

SELLER

SELLER

PRORATE

PRORATE

PRORATE

PRORATE

BUYER

BUYER

BUYER

BUYER

BUYER or SELLER

BUYER or SELLER

BUYER or SELLER

BUYER or SELLER

SELLER

SELLER

SELLER

SELLER

SELLER

SELLER

SELLER

SELLER

BUYER

BUYER

BUYER

SPLIT

SPLIT

SELLER

SPLIT

SPLIT

SPLIT

SPLIT

SPLIT

SELLER

SELLER

SELLER

SPLIT

SPLIT

SPLIT

SELLER

SPLIT

Note: Prorated items will appear on Closing Statement as charges for one and credits for the other.

AZ Sellers Guide | 11

The Escrow Process WHAT IS AN ESCROW? 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.

HOW IS AN ESCROW OPENED? 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.

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.

AZ Sellers Guide | 12

Your Escrow Professional May: O pen escrow and deposit good faith funds into an escrow account onduct a title search to determine the ownership and title status of the C real property eview the title commitment and begin the process of working with you R 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. oordinate with the buyer’s lender on the preparation of the Closing C Disclosure (CD) rorate fees, such as real property taxes, per the contract and prepare the P settlement statement et separate appointments allowing the buyer and seller to sign documents S and deposit funds eview documents and ensure all conditions are fulfilled and certain legal R requirements are met Request funds from buyer and buyer’s new lender hen all funds are deposited and conditions met, record documents with W the County Recorder to transfer the real property to the buyer fter recording is confirmed, close escrow and disburse funds, including A proceeds, loan payoffs, tax payments, and more Prepare and send final documents to all parties AZ Sellers Guide | 13

Understanding Title Insurance 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 records.

AZ Sellers Guide | 14

The Title Industry & Title Insurance in Brief

WHAT IS TITLE INSUR ANCE? 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.

WHY IS TITLE INSUR ANCE NEEDED? 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.

WHEN IS THE PREMIUM DUE? 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.

Compare First American’s Eagle Policy® for Owners Protection from: 1

Someone else owns an interest in your title

2

A document is not properly signed

3

Forgery, fraud, duress in the chain of title

4

Defective recording of any document

5

There are restrictive covenants

6

There is a lien on your title because there is:

EAGLE

Compare First American’s Eagle Policy® for Owners

ALTA Standard or CLTA 21

Post-policy prescriptive easement

22

Covenant violation resulting in your title reverting to a previous owner

23

Violation of building setback regulations

24

Discriminatory covenants Other benefits:

25

Pays rent for substitute land or facilities

26

Rights under unrecorded leases

27

Plain language statements of policy coverage and restrictions

c) a charge by a homeowner’s association

28

Compliance with Subdivision Map Act

7

Title is unmarketable

29

Coverage for boundary wall or fence encroachment*

8

Mechanics lien

30

9

Forced removal of a structure because it:

Added ownership coverage leads to enhanced marketability

31

Insurance coverage for a lifetime

32

Post-policy inflation coverage with automatic increase in value up to 150% over five years

33

Post-policy Living Trust coverage

a) a deed of trust b) a judgement, tax, or special assessment

a) extends on another property and/or easement b) violates a restriction in Schedule B c) violates an existing zoning law* 10

Cannot use the land for a Single-Family Residence because the use violates a restriction in Schedule B or a zoning ordinance

11

Unrecorded lien by a homeowners association

12

Unrecorded easements

13

Building permit violations*

14

Restrictive covenant violations

15

Post-policy forgery

16

Post-policy encroachment

17

Post-policy damage from extraction of minerals or water

18

Lack of vehicular and pedestrian access

19

Map not consistent with legal description

20

Post-policy adverse possession

ALTA Standard or CLTA

EAGLE

* Deductible and maximum limits apply. Not available to investors on 1- to 4-unit residential properties.

Coverage may vary based on an individual policy.

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 coverage 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.

AZ Sellers Guide | 15

Consider This 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.

AZ Sellers Guide | 16

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.

Closing Your Escrow 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. *For purposes of the Closing Disclosure“business day” is defined as every day except Sundays and Federal legal holidays.

THE CLOSING OR SIGNING APPOINTMENT 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.

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.

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.

DON'T FORGET YOUR IDENTIFICATION 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.

WHAT HAPPENS NEX T? 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."

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.

AZ Sellers Guide | 17

Planning your move SIX WEEKS BEFORE: Create an inventory sheet of items to 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.

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.

ONE WEEK BEFORE: 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.

Change of address. Visit USPS for change of address form.

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.

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.

Packing materials. Gather moving boxes and packing materials for your move.

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.

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.

Changing Schools. If changing schools, contact new school for registration process.

FOUR WEEKS BEFORE: Contact utility companies. Set utility turnoff date, seek refunds and deposits and notify them of your new address.

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.

Note food inventory levels. Check your cupboards, refrigerator and freezer to use up as much of your perishable food as possible.

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.

Protect jewelry and valuables. Transfer jewelry and valuables to safety deposit box so they can not be lost or stolen during your move.

Borrowed and rented items. Return items which you may have borrowed or rented. Collect items borrowed to others.

AZ Sellers Guide | 18

Start packing. Begin packing for your new location.

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!

Scan your furniture. Check furniture for scratches and dents before so you can compare notes with your mover on moving day.

Prepare Floor Plan. Prepare floor plan for your new home. This will help avoid confusion for you and your movers.

MOVING DAY: Review the house. 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.

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.

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.

Vacate your home. Make sure utilities are off, doors and windows are locked and notify your real estate agent you’ve left the property.

Your Notes:

AZ Sellers Guide | 19

Your Notes:

AZ Sellers Guide | 20

Your Notes:

AZ Sellers Guide | 21

5

1

8

Central Arizona

7

4

11 3 9

First American Title Branch Locator 10

6

15

OL

DW

GOLDFIELD

CRISMON

16

SIGNAL BUTTE

2

ES

TH

WY

17

12

13

S

G KIN

SR

AN

CH

14

1 SUN CITY WEST

5 A NTHEM

9 K IERLAND COMMONS

13 C HANDLER PORTICO

2 G OODYEAR

6 B ILTMORE

10 SCOTTSDALE FORUM

14 G ILBERT SAN TAN

3 A RROWHEAD

7 TATUM RIDGE

11 D C CROSSING

623.299.3644 13940 W. Meeker Blvd., #119 Sun City West, AZ 85375 N of Meeker Blvd W of R.H. Johnson 623.936.8001 1626 N. Litchfield Rd. Ste. #170 Goodyear, AZ 85395 NW corner of McDowell & Litchfield

623.487.0404 16165 N. 83rd Ave., #100 Peoria, AZ 85382 S of Bell/E side of 83rd Ave

4 T HE LEGENDS

623.537.1608 20241 N. 67th Ave., #A-2 Glendale, AZ 85308 E side 67th Ave/N of 101

AZ Sellers Guide | 22

623.551.3265 39508 N. Daisy Mountain Dr., #128 Anthem, AZ 85086 NE corner Daisy Mtn Dr/ Gavilan Peak Pkwy 602.954.3644 3200 E Camelback Rd., #123 Phoenix, AZ 85018 NE Corner of Camelback/32nd Street 480.515.4369 11211 N Tatum Blvd, #A150 Phoenix, AZ 85028 N of Shea, E side of Tatum

8 C AREFREE

480.575.6609 7202 E. Carefree Dr., Bldg. 1, #1 Carefree, AZ 85377 NE corner of Tom Darlington/ Carefree Dr.

480.948.6488 14648 N Scottsdale Rd., Ste. #100 Scottsdale, AZ 85254 W of Scottsdale Road, S side of Greenway 480.551.0480 6263 N. Scottsdale Rd., #110 Scottsdale, AZ 85250 E Side Scottsdale/S of Lincoln 480.563.9034 18291 N. Pima Rd., #145 Scottsdale, AZ 85255 SE corner of Pima/Legacy

12 A HWATUKEE

480.753.4424 4435 E. Chandler Blvd., #100 Phoenix, AZ 85048 SW corner Chandler/45th St.

480.777.0051 2121 W. Chandler Blvd., #215 Chandler, AZ 85224 SW Corner Chandler Blvd./ Dobson Rd. 480.777.0614 1528 E. Williams Field Rd., #101 Gilbert, AZ 85295 NW corner of Williams Field Rd./ Val Vista Rd.

15 M ESA

480.401.3738 1630 S. Stapley Dr., #123 Mesa, AZ 85204 N of Baseline / W of Stapley

16 R ED MOUNTAIN

480.534.3599 1135 N. Recker Rd., #103 Mesa, AZ 85205 SE corner of Recker & Brown

17 G OLD CANYON

480.288.0883 6877 South Kings Ranch Rd., #5 Gold Canyon, AZ 85118 E of 60/ South Side Kings Ranch Rd.

RD

N Bea r Canyon Rd

N SWAN RD

t t Rd

S HOUGHTON RD a S HOUGHTON RD

Lo ve

S

S H OUGHTON RD

S Wilmot Rd

a d Ranch R d

et

WY

Ro

RD

S Kolb Rd

C LE

Y S NOGALES HW

I-19

80

OLD N O GALES H

N

95 S Cattle Tank Rd

S Kolb Rd

S Estancia Dr

N Luckett Rd

N Wentz R d

N Trico Rd

N TRICO RD

S KOLB RD

S H OUGHTON RD

S Wilmot Rd

SM ISS ION RD N Anway Rd

N ANWAY RD

d

S Swan Rd

S Pecan Rd

Y

S NOGALES HW

RD S HOUGHTON RD S HOUGHTON RD

an c

hR d

S KOLB RD

Hearth Rd

95

N OGALE

S OLD

C LE

N

N Bea r Canyon Rd

N SWAN RD

ell R

S Brady Pump R

I-19 80

S H WY

N Pump Station Rd

S LA CANADA DR

A OR

H wy

Willow Canyon

N Bea r Canyon Rd

N SWAN RD

13 TANQUE VERDE

E SPEEDWAY BLVD

Tucson KI 520.618.7790 | Fax 520.901.1720 NN E 22ND ST EY nJ 10222 RD East Rita Rd., Ste. 190 oa q uin Bopp R d Rd Tucson, Y AZ 85747 O HW Air Force W Snyder Hill Rd Sa

520.202.2626 | Fax 520.495.6151 E 22ND ST 7479 E. Tanque Verde Tucson, AZ 85715

W

AJ

W IRVINGTO N RD

E SAHUARITA RD

Sahuarita

S Wilmot Rd

S H OUGHTON RD

80

S NOGALES HW

I-19

Y

RD

W HELMET PEAK RD

A DR

S Garvey Rd

S Shaw Rd

W Pima Mine Rd

10

Summit

10

Corona de Tucson

Vail

N Calle Rinconado

W Bush Rd

19 SM ISS ION

86 Points 520.877.9200 | Fax Three 520.202.6348 W Guy St Ste. 143 11165 N. La Canada Dr., ard Rd Valley, AZ 85737 W BayOro

lb Rd

W 8 O RO VALLEY/LA CANADA

S Swan Rd

S Sandario Rd

95

11 R IVER 520.625.1095 | Fax 520.958.9663 W Park Rd W VALENCIA RD Littletown | Fax 520.615.2945 E VALENCIA RD 190 W. Continental Rd., Ste. 226 CIA RD W VALEN520.529.1944 86 1650 E. River Rd., Ste. 105 Green Valley, AZ 85622 TUCSON d s R n a m Her W W Hermans Rd Y INT'L HW Tucson, AZ 85718 AIRPORT AJO

S HOUGHTON RD S HOUGHTON RD

2

E Fairmount St

PEEDWAY BLVD 10 R ITAW SROAD

S KOLB RD

S Marstellar Rd

W

h Rd W Gar c ia Ranc

7 G REEN VALLEY

et

N SANDARIOSRD

W MILE WIDE RD

520.299.4606 | Fax 520.577.6993 6262 N Swan Road, Suite 205 Tucson, AZ 85718

N SOLDIER TRL S FREEMAN RD L S OLD SPA NISH T R

6 FOOTHILLS

N Trico Rd

ch

12 6 Green Valley Picture Rocks Casas W PICTURE R W INA RD Tucker Rd d Adobes RD O Continental O C K S9 5 C ASASW ADOBES RON VALLEY/ORACLE 12 SKYLINE ia R lv S 3 77 E SUNRISE DR520.529.0506 | Fax 520.529.8998 S He W Rudasill Rd 520.575.1900 | Fax 520.432.0168 520.229.9194 | 520.297.2576 11 E SNYDER RD 5 RD Manville Rd erro W El CamFax ino Del C520.229.9210 6760 N. WOracle Rd.,W MANVILLE Ste. 100B | 520.742.5866 2890 13 E. Skyline Dr., Ste. 200 E RIV E R R1D E PRINCE RD Tucson, AZ 85704 W Fort L ll Rd 8500 N. Oracle Rd., Ste 100 Tucson, AZ 85718 Tanque o we IN N Verde Oro Valley, AZ 85704 E GRANT RD EY R D n

S SANDARIO RD

N SANDARIO RD

S La Palma Rd

h Rd W Gar c ia Ranc S SUNSHINE BLVD Rd

S LA CANADA DR

ntain Rd M ou

S Sandario Rd S Curry Rd

S SUNLAND GIN RD S Sunland Gin Rd

ch

Ow l

N

C LE

N La Palma Rd

N Tweedy Rd

W

N Trico Rd

S SANDARIO RD

S Marstellar Rd

h Rd W Gar c ia Ranc

S Henness Rd

S Shaw Rd

S Garvey Rd

S Swan Rd

ad

Ow l

S

S Estancia

N Luckett Rd

N TRICO RD

N SANDARIO RD N Anway Rd

N Pump Station Rd

N Overfield Rd

N ANWAY RD

N Pump Statio

N Wentz R d

N Luckett Rd

N Trico Rd

d

S Shaw Rd

S Garvey Rd

ntain Rd

M ou aterm an

NW

n R N PINAL AVE NW aterm N Anway Rd an RD N ANWAY M ou ntain Rd N TRICO RD N Trico Rd

S Lamb Rd

S Marstellar Rd S PICACHO HWY S MS S ISSANDARIO RD ION S Sandario Rd RD W

aterm an

NW

on

m

Rd

Le m

9

Summerhaven

N Mt

BIA-3 5

N F- 3

S Night Sky St

d sR

N Calle Rinconado

Cortaro

Valley

ing S pr

W TWIN PEAKS RD

Ro Oro ad

N 1ST AVE

86

Rita Rd

8

Catalina 77

W MOORE RD 8 W TANGERI NE RD W NARANJA DR

W Emigh Rd

S Sierrita Mountain R

Haivana Nakya

Rillito

7

a in B

l Corona de Tucson

RD

520.426.4600 | Fax 520.426.4699 421 E. Cottonwood Ln. Casa Grande, AZ 85122 BIA-30

Sahuarita S N Fr S anon tata

Vail

LL

4 C ASA GRANDE

N Dove Mount

Oracle

Oracle Junction Saddlebrooke

E Edwin Rd

d ia R

BE ER ILV

520.577.8707 | Fax 520.529.5034 1840 E. River Rd., Ste. 200 Schuchk Tucson, AZ 85718

lv

77

S

4 -3

3 C AMBRIC

S He

10

S

520.747.1644 | Fax 520.747.1403 3777 E. Broadway Blvd., Ste. 220 Tucson, AZ 85716 BIA

He

K

2 B ROADWAY

Rd

N

520.885.1600 | Fax 520.885.2309 6390 E. Tanque Verde Rd. Tucson, AZ 85715

e Lin

10

d

ove tD ser R uil d G S

E v a lyn Rd

424

Valley Rd

s

Marana

Rd uttes W Twi n B W An am a x Mine Rd

Littletown

e ED

First American Title Branch Locator

w Willo

cg ch Rd W M e e R an

S Mcge e R a

1 M AIN OFFICE

W El Tiro Rd

W Ruby Star Dr

G

Air Force Chief Bu tte R

Dr Summit

lock E Hem

10 E SAHUARITA RD

W HELMET PEAK RD

N Trico Rd

Rd

W Avra

Vail

Ed 22ND ST

hR nc Ra off

vd

e ll R d S

Ranc h

E 22ND ST

Rd ge

er b

r it t e n

Tucson

Southern Arizona

Tanque Verde

2

INT'L AIRPORT

Ga

E R R1D

77

Rd an em Fre

E SNYDER RD

E Fairmount St

INK RK L PATUCSON

Ro ad

13

E SPEEDWAY BLVD

N Agu W Pima Mine RdE Grand Valley Dr Continental irre Rd

W

Rd ged To p Ra g

d

W Silv

WB

WS ilver bell R

Rita Rd

19

424

Green Valley

n

S Sierrita Mountain Rd

286

E

Continental Ave

d co R Sas

I-10

S Mcge e R a

W Bush Rd

Rd

S Sa Red Rock nta

RD

E RIV

E VALENCIA DRRD

Corona de Tucson

E No na Rd

Dudleyville

N SOLDIER TRL S FREEMAN RD L S OLD SPA NISH T R

W Guy WStMcgee R anch

Rd

uttes W Twi n B W An am a x Mine Rd 7

Sahuarita

m

W Ruby Star Dr

Three Points

86

E BAUMGARTNRE d R RD

h nc

W Hermans Rd W HELMET PEAK RD E SAHUARITA RD

Le m

WY

H E Curtis JO Rd

WA

W VALENCIA RD

N Mt

E GREENE anEsSREdRVOIR RD W HermR

10

NE 10 YR D Summit HWY AJO W W IRVINGTO N RD

W VALENCIA RD

86

E PRINCE RD

Littletown

d d ro R me nce R re Flo

Rd

E SUNRISE DR

11

Iron Valley R Ed GRANT

le R d

6

N Calle Rinconado

W Pima Mine Rd

E Ellis Rd

RD

Ranc h

S Sierrita Mountain Rd

W Aries Dr r it t e n

W Park Rd

E Hotts Rd

W Pretzer Rd

5

Ra olote Te c

LL

W Bush Rd

Sa

nJ oa19 qu in Bopp R d Rd Snyder Hill Rd W10

E Nutt Rd

TUCSON K I INT'L N AIRPORT

er

BE ER ILV

Picacho

77 3 E 22ND ST

W SPEEDWAY BLVD

Eloy

E Milligan Rd

De

E VALENCIA RD

W Hermans Rd

E Milligan Rd

E HARMON RD W HARMON RD

W Bayard Rd

E

S

W Guy St

W Bayard Rd

S

H wy

Willow Canyon

ar k

N

Tucson

S

City

W Phillips Rd

K

YArizona

HW

Three Points

86

WB

Casas

v il

Tanque Verde 12

E Fairmount St

W Rudasill Rd

N

JO

WA

13

N 1ST AVE

S

S

S CHUICHU RD

S Trekell Rd

W Hermans Rd

Toltec

W Park Rd

E

79 WLa PICPalma TURE R W INA RD 2 OAYCBKLSVDRD E SPEEDWAYAdobes BLVD W SPEEDW

E Selma Hwy K

on

NB

E GRANT RD

NEY R VALENCIADRD W Rd E Houser W Houser Rd AZ RD -8 W MILE WIDE RD W BATTAGLIA DR 86 4W VALENCIA

286

W NARANJA DR

E Desert Hills Rd E RI VE R R1D E PRINCECortaro RD

Picture Rocks

Summerhaven

9 OR A d anch R Oro Valley wheel R HelmE SNYDER RD

Cactus Forest E SUNRISE DR

INN Sa RdMANVILLE o E 22ND ST RDEEYCRornman Rd nJ W Manville RdW CornmanW W El Camino Del C err oa D qu E Hanna Rd in Bopp R d Rd Y d W W Hanna Rd er Hill Rd Air Force W SnydW JO H Fo dA W 87 E Aricart RLdowell RW W IRI V ep NINGTO N RD

I-8

Chuichu

6

11

H wy

N SOLDIER TRL S FREEMAN RD L S OLD SPA NISH T R

E Kleck Rd

287

W Earley Rd

W Selma Hwy

8

D

P

W EmighRandolph Rd

IN N EY R D

K

W MILE WIDE RD W Tucker Rd

l C erro W El Camino DeE WRandolph TWIN Rd EAKS R

m

N

S THORNTON RD

10

Casa Grande

5

RD

W Fort L o ell Rd W Kleck Rd w

77 3

LL

E4RODEO RD

W Randolph Rd

N Trico Rd

nvailleeyRdRd W MaV

R O C K S RD W INA RD N E MARTSIN RD

W Rudasill RdW Bartlett Rd

W MCCARTNEY RD W MANVILLE RD

12

N 1STRA d VE ge

W Woodruff Rd

BE ER ILV

S

W Avra

387

on

77 Willow Canyon

W MOORE RD 8 W TANGERI NE RD

Casas N F Rillito Adobes ronta

Catalina

Le m

W PICTURE

W Tucker Rd

Oro Valley

10

Marana Cortaro

Picture Rocks

E Edwin Rd

Summerhaven

W NARANJA DR N Dove 9 MOoRunAta in B l

Fro nta

W TWIN PEAKS RD Emigh W ElWTiro RdRd

77

vd

ed To p Rd agg

Oracle Junction Saddlebrooke N Mt

Rillito

N

a in Bl

Catalina

He

E Grand Valley Dr W MOORE RD 8 W TANGERI NE RD

Rd ge

e ll R d

irre Rd

WR

N Trico Rd

Valley Rd

WS ilver bell R

d

W Avra

10

N Agu

Marana

W El Tiro Rd

N Dove Mount

d

eR

Lin

s Ga

vd

d

Rd ged To p

E Gr d Valley Dr

I-10

W SContinental Av e ilver bell R

N Wentz R d

irre Rd

Rd sco E Sa

N Trico Rd

0

N Agu

AZ Sellers Guide | 23

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