Digital home Book 18100 S Eagle Nest Trail

HOME BOOK PREPARED FOR:

18100 S. Eagle Nest Trail

Vail, AZ 85641

PRECAUTIONS YO U SHO U LD B E

AWA R E OF

IN THE REAL ESTATE CLOSING PROCESS

DO NOT TRUST EMAILED INSTRUCTIONS Fraudsters often use email to send falsified wire instructions to unsuspecting victims.

Please warn your buyers and sellers to only follow wire instructions they receive personally from First American Title.

Additionally, we will not accept disbursement instructions for seller or buyer funds via email OR from any third party (attorney, real estate agent, etc).

W I RE F R A U D A LE RT T H I N K D I F F E R E N T LY

ALTERNATIVE INSTRUCTIONS?

Email-based, real estate fraud schemes are on the rise. One common scenario is altering wiring instructions with the intention of rerouting funds.

If your buyer or seller receives alternative wiring instructions that appear to be from First American Title, make sure they contact their escrow officer at a trusted phone number for confirmation.

Keeping this in mind, First American Title is changing the way we receive payment information. It is imperative that we are familiar with the people in our transactions.

RELYING ON EMAIL ALONE IS NO LONGER AN OPTION.

Know that our wiring instructions do not change so any communication is suspect.

Our banking institution is First American Trust.

IN SHO RT – wire instructions will not

be accepted by email. New wire instructions must be hand-carried or uploaded to the First American Secure Portal.

Thank you for joining First American Title in fostering a secure real estate transaction process.

Have questions or concerns? Please contact our office or your escrow officer.

For more information please contact your First American representative.

w w w.fi rs tam . c o m 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.

01100180621

©2023 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

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 18100 S Eagle Nest Trl Vail AZ 85641 APN: 305-39-023C

Data Provided By: First American Title Ins Co

© 2023 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.

© 2023 CoreLogic. All rights reserved

Subject Property : 18100 S Eagle Nest Trl Vail AZ 85641 Owner Information Owner Name : Romero Victor / Romero Kara Mailing Address : 18100 S Eagle Nest Trl, Vail AZ 85641-2228 R013 Vesting Codes : Husband/wife / / Owner Occupied O Indicator : Location Information Legal Description : Ne4 Ne4 Sw4 10.12 Ac Sec 30-17-16 County : Pima, Az Census Tract / Block : 41.27 / 1

APN : 305-39-023C Map Reference : 30-17S-16E

Township-Range- Sect : 17S-16E-30

School District : Vail

Market Area : 610

Munic/Township : Vail

Last Market Sale Information Recording/Sale Date : 02/03/2023 / 02/03/2023 Sale Price : $650,000 Document # : 340369 Deed Type : Warranty Deed

1st Mtg Amount/Type : $585,000 / Cnv 1st Mtg Document # : 340370 1st Mtg Term : 30 Price Per SqFt : $214.03

Title Company : Title Sec Agcy Llc Lender : Nova Fin'l & Inv Corp Seller Name : Love John D Prior Sale Information Prior Rec/Sale Date : 07/05/2011 / 06/30/2011 Prior Sale Price : $330,000 Prior Doc Number : 1860239

Prior Deed Type : Warranty Deed Prior Lender : Nova Fin'l & Inv Corp Prior 1st Mtg Amt/Type : $337,095 / Va

Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/26/2023 © 2023 CoreLogic. All rights reserved

Property Characteristics Gross Area : 3,037

Garage 2 Capacity :

Patio Type : Covered Patio

Living Area : 3,037

Roof Material : Tile

Air Cond : Refrigeration

Total Rooms : 9

Heat Type : Forced Air

Year Built / Eff : 1999

Cooling Type : Forced Air

# of Stories : 1

Exterior wall : Stucco

Quality : Good Condition : Excellent Bath Fixtures : 10

Parking Type : Garage Property Information Land Use : Sfr County Use : Sfr Imp-on 5+ Acres/rural

Lot Acres : 10.12

State Use : Sfr Imp-on 5+ Acres/rural

Lot Size : 440,827

Tax Information Total Value : $420,310 Total Taxable $39,736 Value : Assessed Year : 2022 Tax Year : 2022

Property Tax : $5,274.80 Tax Rate Area : 2000

Market Value : $420,310

Current Year Total $61,542 Value : Current Year $52,480 Improvement Value : Current Year Land $9,045 Value :

Current Assessed 2024 Year :

Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/26/2023 © 2023 CoreLogic. All rights reserved

Sales Analysis Criteria

Subject Property

Sale Price

Low

High

Average

$650,000

$375,000

$655,000

$464,192

3037

2760

3404

2996

$214.03

$122

$233

$155.44

Year Built

1999

1995

2020

2010

Lot Size

440,827

5,786

220,414

28,199

Bathrooms

4

2

5

4

Stories

1

1

2

2

$420,310

$223,686

$327,758

$272,051

0

0.17

1.77

1.28

Bldg/Living Area Price Per Square Foot

Bedrooms

Total Assessed Value Distance From Subject Summary of Comparables #

Address

Sale Price

Total Assessed Value

Sale Date

S

18100 S Eagle Nest Trl

650,000

420,310

02/03/2023

1

11390 E Camino Aurelia

650,000

250,896

2

17413 S Ridgerunner Dr

405,000

3

17359 S Ridgerunner Dr

4

Bed Bath

Living Area

Lot Size

Year Built

Dist (Miles)

Zoning

4

3,037

440,827

1999

03/31/2023

2

2,792

220,414

1995

0.17

CR-1

283,558

05/22/2023

4

2,903

5,786

2020

1.08

425,000

283,011

06/06/2023

4

2,903

5,798

2020

1.16

17353 S Ridgerunner Dr

435,000

312,328

08/16/2023

5

3,116

5,972

2020

1.17

5

17341 S Ridgerunner Dr

435,000

282,866

01/10/2023

4

2,903

6,982

2020

1.19

6

17237 S Painted Vistas Way

415,000

268,916

02/09/2023

4

3,404

7,020

2007

1.27

7

10806 Franklin Falls Way

404,000

268,637

02/22/2023

4

2,903

6,598

2018

1.3

8

17141 S Painted Vistas Way

472,000

266,512

11/17/2022

4

2,901

7,240

2007

1.41

SP

9

17088 S Pima Vista Dr

485,000

281,316

06/01/2023

4

3,404

5,850

2007

1.45

SP

SP

Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/26/2023 © 2023 CoreLogic. All rights reserved

10

17100 S Painted Vistas Way

415,000

231,762

09/08/2023

4

2,901

7,428

2006

1.46

SP

11

11019 E Pima Creek Dr

375,000

223,686

03/10/2023

4

2,760

5,916

2006

1.55

SP

12

684 E Sterling Canyon Dr

463,500

255,423

05/05/2023

3

2,886

8,988

2004

1.73

SP

13

697 S Melpomene Way

655,000

327,758

06/16/2023

4

3,168

72,596

2006

1.77

SP

Distressed Sales = Map

Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/26/2023 © 2023 CoreLogic. All rights reserved

Subject Property : 18100 S Eagle Nest Trl Vail AZ 85641

Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/26/2023 © 2023 CoreLogic. All rights reserved

M171630

11200 E CAMINO AURELIA Owner Name : Penny Steve M Sale Date : 09/17/2021 Total Value : $229,069

Distance 0.12 Miles Recording Date : 09/24/2021 Sale Price : $460,000 Property Tax : $2,674.78

Bed / Bath : / 2

Lot Acres : 10.00

Land Use : Sfr

Living Area : 2,616

Stories : 1

APN : 305-39-0240

Yr Blt / Eff Yr Blt : 1991 / 11500 E ELF OWL TRL Owner Name : West Family Total Value : $294,113

Distance 0.12 Miles Yr Blt / Eff Yr Blt : 1992 / Property Tax : $3,434.29

Bed / Bath : / 3

Lot Acres : 9.84

Land Use : Sfr

Living Area : 2,834

Stories : 1.5

APN : 305-39-025P

11350 E CAMINO AURELIA Owner Name : Beeck Hermann J Total Value : $256,022

Distance 0.13 Miles Recording Date : 10/25/1976 Property Tax : $2,989.52

Bed / Bath : / 3

Lot Acres : 5.00

Land Use : Sfr

Living Area : 3,785

Stories : 1

APN : 305-39-0220

Yr Blt / Eff Yr Blt : 1977 / 11400 E CAMINO AURELIA Owner Name : Watson Jason P Sale Date : 08/04/2016 Total Value : $398,812

Distance 0.14 Miles Recording Date : 08/04/2016 Sale Price : $387,000 Property Tax : $3,455.40

Bed / Bath : / 3

Lot Acres : 6.97

Land Use : Sfr

Living Area : 2,820

Stories : 1

APN : 305-39-018H

Yr Blt / Eff Yr Blt : 1989 /

Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/26/2023 © 2023 CoreLogic. All rights reserved

1010 E CAMINO AURELIA Owner Name : Hartley Sale Date : 02/14/2011 Total Value : $122,343 Bed / Bath : / 1 Land Use : Sfr Stories : 1.5

Distance 0.15 Miles Recording Date : 03/02/2011 Sale Price : $137,500 Property Tax : $1,638.60 Lot Acres : 15.00 Living Area : 896 APN : 305-39-028A

Yr Blt / Eff Yr Blt : 1981 / 11390 E CAMINO AURELIA Owner Name : Bouchard Alexander Sale Date : 03/17/2023 Total Value : $250,896

Distance 0.17 Miles Recording Date : 03/31/2023 Sale Price : $650,000 Property Tax : $3,359.64

Bed / Bath : / 2

Lot Acres : 5.06

Land Use : Sfr

Living Area : 2,792

Stories : 1.5

APN : 305-39-018E

Yr Blt / Eff Yr Blt : 1995 / 11500 E CAMINO AURELIA Owner Name : Jordan Willie E Sale Date : 07/12/1991 Total Value : $190,216

Distance 0.17 Miles Recording Date : 07/12/1991 Sale Price : $142,500 Property Tax : $2,221.19

Bed / Bath : / 3

Lot Acres : 7.87

Land Use : Sfr

Living Area : 1,871

Stories : 1

APN : 305-39-020J

Yr Blt / Eff Yr Blt : 1977 / 11540 E CAMINO AURELIA Owner Name : Schwenn Edmund D Sale Date : 01/22/1992 Total Value : $204,893

Distance 0.17 Miles Recording Date : 01/22/1992 Sale Price : $32,000 Property Tax : $2,392.45

Bed / Bath : / 3

Lot Acres : 10.00

Land Use : Sfr

Living Area : 1,622

Stories : 1

APN : 305-39-025C

Yr Blt / Eff Yr Blt : 1997 / Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/26/2023 © 2023 CoreLogic. All rights reserved

Census Tract / block: 41.27 / 1

Year: 2020

Household Population

Population by Age

Count:

6,193

0 - 11

Estimate Current Year:

6,193

12 - 17

Estimate in 5 Years:

6,193

18 - 24

4.83%

Growth Last 5 Years:

25 - 64

51.91%

Growth Last 10 Years:

65 - 74

9.96%

75+ Household Size

Household Income

Current Year:

2,061

0 - $25,000

7.71%

Average Current Year:

3

$25,000 - $35,000

5.82%

Estimate in 5 Years:

2,061

$35,000 - $50,000

4.22%

Growth Last 5 Years:

$50,000 - $75,000

10.87%

Growth Last 10 Years:

$75,000 - $100,000

13.2%

Above $100,000

58.18%

Male Population:

52.2%

Female Population:

47.8%

Married People:

69.79%

Unmarried People:

30.21%

Average Household Income:

$113,954

Housing Median Mortgage Payments

Home Values

Under $300:

0.72%

Below $100,000:

10.17%

$300 - $799:

28.57%

$100,000 - $150,000:

3.49%

$800 - $1,999:

50.92%

$150,000 - $200,000:

14.7%

Over $2,000:

19.78%

$200,000 - $300,000:

30.83%

Median Home Value:

$274,800

$300,000 - $500,000:

37.36%

Unit Occupied Owner:

94.42%

Above $500,000:

3.44%

Median Mortgage:

$1,130

Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/26/2023 © 2023 CoreLogic. All rights reserved

Rent Payments

Year Built

Unit Occupied Renter:

5.58%

1999 - 2000

Median Gross Rent:

$1,063

1995 - 1998

Less Than $499

5.94%

1990 - 1994

$500 - $749

0%

1980 - 1989

7.23%

$750 - $999

34.65%

1970 - 1979

0.72%

$1000 and Over

59.41%

1900 - 1969

1.76%

Public Pre-Primary School:

0.28%

Not Enrolled in School:

74.24%

Private Pre-Primary School:

0.26%

Not A High School Graduate:

4.43%

Public School:

21.4%

Graduate Of High School:

18.93%

Private School:

4.36%

Attended Some College:

23.39%

Public College:

2.52%

College Graduate:

37.32%

Private College:

0.69%

Graduate Degree:

15.93%

54.23%

Private Worker:

60.4%

Government Worker:

23.77%

Self Employed Worker:

4.57%

Unpaid Family Worker:

2.77%

Education Enrollment

Workforce Occupation:

Manager/Prof: Technical: Sales:

20.8%

Administrative: Private House Hold: Service:

Farming: 16.23%

Protective Services:

5.2%

Skilled: Blue-Collar:

8.73%

Commute Time

Less Than 15 Min:

3.98%

15 min - 28 min:

21.89%

30 min - 57 min:

71.54%

Over 60 min:

2.58%

Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/26/2023 © 2023 CoreLogic. All rights reserved

Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/26/2023 © 2023 CoreLogic. All rights reserved

Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/26/2023 © 2023 CoreLogic. All rights reserved

Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 10/26/2023 © 2023 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

E v a lyn Rd

Lo

ing S pr

S Pecan Rd

PIMA COUNTY d

Ow l

77

08

RD

E GRANT RD 01

Tucson

n

S NOGALES HW

I-19

80

S

S H WY

S LA CANADA DR

Green Valley

Sahuarita

S OLD

Rd S Mcge e R a

Vail

S KOLB RD

E SAHUARITA RD Corona de Tucson

N OGALE

W HELMET PEAK RD

Rd W Ruby Star Dr uttes W Twi n B W An am a x Mine Rd cg ch Rd W M e e R an

Rd

SCHOOL DISTRICTS

Y

RD

SM ISS ION

39

10

20

Sa nta

Rita Rd

Ro ad

424

Ranc h

30

Littletown

Summit

W Pima Mine Rd

ch

S Garvey Rd

S Shaw Rd

r it t e n

TUCSON INT'L AIRPORT

N Calle Rinconado

WB

E VALENCIA RD

19

S Sierrita Mountain Rd

286

W VALENCIA RD

W Hermans Rd

51

W Bush Rd

Air Force

12

E 22ND ST S HOUGHTON RD S HOUGHTON RD

W VALENCIA RD

W Guy St W Bayard Rd

Tanque Verde

S H OUGHTON RD

W Park Rd

HWY AJO W IRVINGTO N RD 95

W

E 22ND ST

S Wilmot Rd

Three Points

86

NN EY RD

S Sandario Rd

Y

HW

W

S SANDARIO RD

S Marstellar Rd

h Rd W Gar c ia Ranc

JO WA

nJ oa qu in Bopp R d Rd W Snyder Hill Rd

S Swan Rd

KI

S

W Hermans Rd

13RD E SNYDER

E Fairmount St

Sa

86

E R RD

E S01 PEEDWAY BLVD

W SPEEDWAY BLVD S

15

E RIV

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

RD

W MILE WIDE RD

16 ISE DR E SUNR

E PRINCE RD

LL

IN N EY R D

K

N Trico Rd

S

N

W Fort L o ell Rd w

o W El Camino Del C err

Casas Adobes 10

BE ER ILV

W Rudasill Rd

N

N Bea r Canyon Rd

W INA RD

O C K S RD

W MANVILLE RD

C LE

N Luckett Rd

Picture Rocks

W PICTURE R

H wy

Willow Canyon

Cortaro 11

W Emigh Rd

N SANDARIO RD

N Anway Rd

N Trico Rd

W TWIN PEAKS RD

on

A OR

N 1ST AVE

N ANWAY RD

N Pump Station Rd

N TRICO RD

ntain Rd

aterm an

NW

Oro Valley

Summerhaven

m

Fro nta

Le m

N

Rillito

W Tucker Rd

W Manville Rd

77

a in Bl

W MOORE RD W TANGERI NE RD W NARANJA DR

Marana

N Trico Rd

Valley Rd

N Dove Mount

This map is provided for general location only.

Please contact school districts for actual street boundaries

Rd ge

Continental

lv

d ia R

He 111 N. Well Road, Ajo, AZS 85321

520.387.5618

10105 S. Sasabe Road, Tucson, AZ 85736

520.822.1484

AMPHITHEATER UNIFIED

701 W. Wetmore, Tucson, AZ 85705

520.696.5000

16

CATALINA FOOTHILS UNIFIED

2101 E. River Road, Tucson, AZ 85718

520.209.7500

39

CONTINENTAL ELEMENTARY

1991 E. Whitehouse Canyon, Green Valley, AZ 85614

520.625.4581

08

FLOWING WELLS UNIFIED

1556 W. Prince Road, Tucson, AZ 85705

520.696.8800

06

MARANA UNIFIED

11279 W. Grier Road, Marana, AZ 85653

520.682.3243

11

PIMA COUNTY JTED

2855 W. Master Pieces Dr, Tucson, AZ 85741

520.352.5833

30

SAHUARITA UNIFIED

350 W. Sahuarita Road, Sahuarita, AZ 85629

520.625.3502

12

SUNNYSIDE UNIFIED

2238 E. Ginter Road, Tucson, AZ 85706

520.545.2000

13

TANQUE VERDE UNIFIED

2300 N. Tanque Verde Loop, Tucson, AZ 85749

520.749.5751

01

TUCSON UNIFIED

1010 E. 10th Street, Tucson, AZ 85717

520.225.6000

20

VAIL UNIFIED

10701 E. Mary Ann Cleveland Way, Tucson, AZ 85747

520.879.2000

15

AJO UNIFIED

51

ALTAR VALLEY ELEMENTARY

10

et

W Avra

Catalina

06

10

8

N Mt

W El Tiro Rd

M ou

d

ed To p Rd agg

E Edwin Rd

E Grand Valley Dr

vd

WS ilver bell R

s

Ga

Oracle

Oracle Junction Saddlebrooke

He

N

I-10

irre Rd

N Agu

Rd

e Lin

S

d co R Sas

N Wentz R d

E

al Ave

S Estancia Dr

School District Information

Dr

77

ove rt D ese R uil d G S

N SWAN RD

lock E Hem

a d Ranch R d

Red Rock

ED

N F- 3

S Cattle Tank Rd

E No na Rd

d

d sR

K DR K LIN PAR

E BAUMGARTNER RD

WR

Chief Bu tte R

w Willo

S PICACHO HWY

10

S Kolb Rd

d

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.

05249570321

©2021 First American Financial Corporation and/or its affiliates. All rights reserved. | NYSE: FAF

+ FIRST AMERICAN TITLE, FC0, JSTI 10/26/2023 03:09PM R9C8

PIMA, AZ

INVESTIGATIVE SEARCH RESULTS

PAGE 1 OF 1

SEARCH PARAMETERS PARCEL: PARCEL:

305-39-023C 305-39-023C

OWNER:

ROMERO VICTOR & KARA

AFFIDAVIT

SITUS:

18100 S EAGLE NEST TR PC

MAIL:

18100 S EAGLE NEST TRL

LEGAL:

NE4 NE4 SW4 10.12 AC SEC 30-17-16

CURRENT TAXES

INSTRUMENT

REC DATE

2023 369

02/03/2023

INFORMATION THROUGH 08/28/2023

LAND

IMPR

EXEMPT

RATE

AREA

PRIMARY

41,723

0

0

9.0724

2000

SECONDARY

9,090

40,969

0

4.3518

2023 TOTAL TAX BILLED

SPECIAL DISTRICTS

5,551.42

2023

TAX AMT

TAX DUE

INTEREST

FIRST HALF

2,775.71

2,775.71

0.00

2,775.71

SECOND HALF

2,775.71

2,775.71

0.00

2,775.71

TOTAL CURRENT TAXES DUE 10/23

5,551.42

11/23

5,588.43

DATE PAID

TOTAL DUE

(ESTIMATED)

IMPROVEMENTS BYPASS BLDG SQFT

3,367

FULL CASH VALUE

YEAR BUILT

1999

LAND USE

87 14

1.0

LOT SIZE

10.120 ACRES

NUMBER OF STORIES STORIES HEIGHT

0

EXTERIOR WALLS

STUCCO

GRADE MATERIALS

SCHOOL DISTRICT

499,689

2000

LAND FULL CASH VALUE

90,000

IMPR FULL CASH VALUE

409,689

SALES SALE DATE

SALE AMOUNT

INSTRUMENT TYPE

02/03/2023

650,000

2023 369 WD

ADDITIONAL PROPERTY INFORMATION STANDARD LAND USE:

SFR

END SEARCH

SELLER NAME LOVE JOHN D & DENISE D

VALIDITY M

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We are providing the requested information without CC&Rs. Unfortunately, we are unable to confirm CC&Rs at this time, possibly because:  The property is too complex to obtain CC&Rs without a complete title examination  The property is sectional, whereas there are no “standard” subdivision‐type restrictions  A recorded plat may not exist  The recorded plat may be older, with limited information available, or  Recorded CC&Rs may not exist.

Once escrow is opened, the property will be thoroughly examined. CC&Rs and other matters that may “run with the land” will be disclosed in Schedule B of the Commitment for Title Insurance.

If you have questions, or need additional information at this time, please contact your First American or Title Security Account Manager or Escrow Officer.

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. › C an remain objective when presenting offers and counter-offers on your behalf.

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

› 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

Deed Restrictions

Lien

An estimate of value of property resulting from analysis of facts about the property; an opinion of value.

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.

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)

Disbursement Date

The borrower’s costs of the loan term expressed as a rate. This is not their interest rate.

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.

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

Closing Disclosure (CD)

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

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.

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

Close of Escrow

Endorsement

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

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

Comparable Sales

Hazard Insurance

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

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.

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.

Easement

Impounds

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.

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.

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

Legal Description

TRID

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.

TILA-RESPA Integrated Disclosures

Settlement statement

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.)

SELLER

17.

Taxes

PRORATE

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.

33.

SELLER

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

Reconveyance/Satisfaction Fee

SELLER

SELLER

SELLER

SPLIT

Courier/Express Mail Fees

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 The Title Industry & Title Insurance in Brief 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

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

3

1

5

Central Arizona

2 7

4

First American Title Branch Locator

10

OL

DW

GOLDFIELD

CRISMON

11

SIGNAL BUTTE

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1 SUN CITY WEST

623.299.3644 13940 W. Meeker Blvd, #119 Sun City West, AZ 85375 N of Meeker Blvd W of R.H. Johnson

2 T HE LEGENDS

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

3 A NTHEM

623.551.3265 39508 N. Daisy Mountain Dr, #128 Anthem, AZ 85086 NE corner Daisy Mtn Dr/Gavilan Peak Pkwy

4 TATUM RIDGE

480.515.4369 11211 N Tatum Blvd, #A150 Phoenix, AZ 85028 N of Shea, E side of Tatum

AZ Sellers Guide | 22

9

5 C AREFREE

9 G ILBERT SAN TAN

6 SCOTTSDALE FORUM

10 M ESA

7 D C CROSSING

11 R ED MOUNTAIN

8 C HANDLER PORTICO

12 G OLD CANYON

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

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

480.777.0051 2121 W. Chandler Blvd., #215 Chandler, AZ 85224 SW Corner Chandler Blvd./Dobson Rd.

S

480.777.0614 1528 E. Williams Field Rd. #101 Gilbert, AZ 85295 NW corner of Williams Field Rd./Val Vista Rd.

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

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

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

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N SWAN RD

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19

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S Night Sky St

2

1

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2

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86

5

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

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Arizona City

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S Trekell Rd

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Tanque Verde Road 6760 N. Oracle Road, Suite 100B Fax 520.229.9210 | 520.742.5866 10 AH U AR D I TA S R R D K A E P L M E T HE W d E R To p W W MOORE RD anque 6760Tucson, N. Oracle | 520.742.5866 N Dove Mount gged Silv Fax 520.229.9210 on, AZ Verde 85715 Road AZRoad, 85704Suite 100B 8500 N. Oracle Rd., Suite 100 Summerhaven a ORE RD 8 Marana d TRoap Rd W MO 77 erbe W El520.297.2576 Tiro Rd e520.432.0168 0.885.1600 | Fax 520.885.2309 Tucson, AZ 520.575.1900 | Fax 520.219.6451 d / 100 AZ 85715 85704 8500 N. Oracle Rd., Suite R in Bl agg W Summerhaven Marana Valley, 85704 tteTs R W RullbRyWSEltOro WR r DrRd aTiro ARITANRWDTANGWETRAI NNEGERDI NE RD8 SAHS U10 K RD| 520.742.5866 A E P L M E HE W uAZ E d B R n i s 90 E. Tanque Verde Road 6760 N. Oracle Road, Suite 100B Fax 520.229.9210 w T W tte 85704 W Ruby pSRtOro OADWAY Fro adr Dr Valley,BuAZ 286 6 FOOTHILLS W NARANJA DR Rillito S D N o T on R W MOORE W Twi nW8500 nta S 100 antFr ed DWAY Anam N. iOracle W NARANJA DR H wy cson, AZ| 85715 Tucson, AZ 85704 Rd., Suite agg Rillito S an ne RdROAD a oRnt on 47.1644 Fax 286 520.747.1403 6 FOOTHILLS 10WHOUGHTON 520.299.4606 | eFax 9 A W Ela Tiro x dMRd WR ll Rd 520.577.6993 H wy iata ta R d W TANGERI NE RD W B520.299.4606 | eFax 520.577.6993 R ineValley, A OR 644 | Fax 520.747.1403 10 HOUGHTON ROAD d uAbnyam s R M 9 e a R R t R x Oro AZ 85704 h t W R r S D r t a c c g l u 520.901.1720 E. Broadway Blvd., Suite 130 ita ritten 6262 N Swan Ro l Rd Road, Suite 205W M ee Rdan d Oro Valley WB O B 520.618.7790 | Fax N Willow Canyon n i w T W R S W R h a ancSwan Road, Suite 205 McgAv c roadway Blvd., Suite 130 ritten 6262 N RoFro d Oro Valley W NARANJA DR d | Fax 520.901.1720 Willow Canyon h R d AZ 85718 Wra eeraRVanlley Rd 520.618.7790 on on, AZ 85716 W Av Ranc Tucson, ad nta W W TWIN PEAKS RSDanta 8280 S.Houghton #130 A m Valley Rd H wy h R AZ A AZ 85716 0.747.1644 | Fax 520.747.1403 Tucson, 85718 520.299.4606 | eFax a x Mine RdW TWIN PEAKS RD S.Houghtonna#130 Rita Cortaro ll Rd 520.577.6993 8280 Tucson, WB d OR W Emigh Rd AZ 520.432.0168 85747 d| Fax R R Cortaro h 520.885.1600 | Fax 520.885.2309 520.575.1900 520.297.2576 / 520.219.6451 520.202.2626 | Fax 520.495.6151 c c g 77 E. Broadway Blvd., Suite 130 r R ee R an AZ M Tucson, d Swan Road, Suite 205 itten 6262 NVALLEY MBRIC W|Emigh 85747 7 GREEN 520.618.7790 FaxRd520.901.1720 oa W W R a Av nVALLEY RIC ra Valley R d 7 GREEN cRoad n h R d AZ 11 d SKYLINE cson, AZ| 85716 6390 E. Tanque Verde Road, Suite 100B | 520.742.5866 7479 E. Tanque Verde Tucson, 85718 77.8707 Fax 520.529.5034 Casas 520.625.1095 | Fax 520.958.9663 KS RD TWINFax 8280 S.Houghton #130PictureWRocks R a 6760 N. 11Oracle PEA520.229.9210

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9 12 TANQUE VERDE Oro Valley Willow Canyon Green Valley Picture Rocks S Mcagne e 6 11 Green Valley 707 | Fax 520.529.5034 Casas 520.625.1095 | Fax 520.958.9663 R 11 SKYLINE e g Mc C S W P I e T W INA RD Cortaro 6 U d R r e k c u T W R d E. River Road, Suite 200 D E Adobes 190 W. Continental Rd., Suite 226 R Rd R O C AZ 85747 Tucson, AZ 85715 8500 Rd., Suite 100 Tucson, AZ 85715 | Fax 520.529.8998 K S R N. Oracle W PICContinental TUW r RdTucson, cke85704 Tu520.529.0506 WAZ REEmigh d ia iver Road, Suite 200 190 W. Rd., Suite 226 Tucson, AMBRIC R O C K S RD W INA RD Continental NAdobes 520.529.0506 | Fax 520.529.8998 7 Continental GREEN VALLEY ia RHel v3 on, AZ 85718 Green Valley, AZ 85622 N AZ S85704 2890 E. Skyline Drive, Suite 200 W Picture E SUNRISE DR Valley, AZ 85718 l v3S77 AZ 85622| Fax 520.958.9663 RdOro S Rocks an 2890 E. Green Valley 0.577.8707 | Fax 520.529.5034 Green Valley, Skyline Drive, Suite 200 W Rudasill RRudasill 77 NRISE DR 6 520.625.1095 E SU11 HeCasas R 11 SKYLINE e g Mc S e S d Tucson, AZ 85718 2 B ROADWAY 6 FOOTHILLS E SNYDER RD 5 W PICTUREW El Camino RDD RD rro INA RD 5 Adobes leWRdTucker RdW MANVILLE vil85718 an520.529.0506 d SA GRANDE 40 E. River Road, Suite 200 8 ORO el C eW W MAZ 190VALLEY/LA W. ContinentalCANADA Rd., Suite 226Tucson, E SNYDER RD RO C S Continental | Fax MANVILLE RD 520.529.8998 ia R E R GRANDE erro 8 ORO VALLEY/LA CANADA 12 W Manville Rd | FaxW520.577.6993 W El Cam ino DeCl K 520.747.1644 | Fax 520.747.1403 10 H OUGHTON ROAD N 520.299.4606 IVE R 12 26.4600 Fax 520.426.4699 cson, AZ| 85718 520.877.9200 | FaxAZ 520.202.6348 Green| Fax Valley, 85622 S 1 ERD 12 TANQUE VERDE el v3 2890 E. Skyline Drive, Suite 200 R R D 77 SE I R N U S E H R D E PRINCE I 600 | Fax 520.426.4699 V 520.877.9200 520.202.6348 S E R R1D W Rudasill Rd 12 N TANQUE VERDE E PRINCE RD W 205 520.618.7790 | Fax 520.901.1720 3777 Blvd., 130 Dr., Suite 143 Tanque 6262 Swan Road, Suite F520.495.6151 W. Kortsen Rd. Suite 101 E. Broadway ort L owell Rd 11165 N. Suite La Canada 520.202.2626 | oFax Tucson, 85718 WAZ Tanque E SNYDER RD ortsen Rd. Suite 101 11165 La Canada Dr., Suite 143 5 RdMANVILLE RDI N 520.202.2626 d rt L owellW ville RF520.495.6151 M|anFax ASA GRANDE erro#130 8 N.ORO VALLEY/LA CANADA e l W D C o Verde n W El Cam i N Grande, AZ 85122Tucson, AZ 85716Oro E D R I T N Valley, AZ 85737 A E R G 8280 S. Houghton Y Tucson, AZ 85718 N NEY 7479 E. Tanque Verde RD Verde 12 nde, AZ 85122 D R T N Oro Valley, AZ 85737 A E R G E 7479 E. Tanque Verde R IVE R 1 0.426.4600 | Fax 520.426.4699 520.877.9200 | Fax 520.202.6348 E2 Fairmount St 12 TANQUE VERDE W MILE WIDE RD RD R D Tucson, AZ 85715 E PRINCE RD Tucson, AZ 85747 E2 Fairmount St RD AZ 85715 W MILE WIDE Tanque 2 W. Kortsen3 Rd. C Suite 101 ort L owell Rd 11165 N. La Canada Dr., Suite 143Tucson, E SPEEDWAY BLVD W SPEEDWAY 520.202.2626 | FaxW F520.495.6151 AMBRIC 7 G REEN VALLEY E SPEEDWAY BLVD W SPEEDWAY BLVD BLVD IN N Verde asa Grande, AZ 85122 EY R Oro Valley, AZ 85737 E GRANT RD 7479 E. Tanque Verde 520.577.8707 | Fax 520.529.5034 11 S

KYLINE TucsonE Fairmount St E 22ND ST DK 520.625.1095 | Fax 520.958.9663 Tucson INN 2 E 22ND ST W MILE WIDE RDS K IN Tucson, AZ 85715 E 22ND ST EY an 520.529.0506 | FaxW 520.529.8998 1840 E. River Road, Suite 200 N 190 W. Continental Rd., Suite 226 Sa SPEEDWAY BLVD E 22ND STE SPEEDWAY BLVD Jo EY BIA nJ RD aq BIA o uin E.RDSkyline Drive, Suite 200 Tucson, AZ 85718 Green Valley, AZ 85622 BoppaRqud2890 in Rd Bopp R d Y Tucson W E 22ND ST K R Y H W JO85718 r Hdill Rd yddeTucson, Air Force HAZ INN r HSilnl R Air Force W SnydeW E 22ND ST SAJO W A

Vail Vail

AZ Sellers Guide | 23

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