29754 N 121st Dr

29754 N. 121st Dr. Peoria, AZ 85383-3497

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

Prepared For: Nancy Walker

29754 N 121st Dr Peoria AZ 85383 APN: 510-01-289

Data Provided By: First American Title Ins Co

© 2021 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.

© 2021 CoreLogic. All rights reserved

Subject Property : 29754 N 121st Dr Peoria AZ 85383 Owner Information Owner Name : Heitkam Aaron R / Heitkam Lindsey K Mailing Address : 29754 N 121st Dr, Peoria AZ 85383-3497 R044 Owner Occupied O Indicator : Location Information Legal Description : Lot 77 Vistancia Village A Parcel A14 Mcr 661-25 County : Maricopa, Az

Subdivision : Vistancia Village A Prcl A14

Census Tract / Block : 405.20 / 2

Map Reference : 66125

Township-Range- Sect : 05N-01W-25

School District : Peoria 11

Legal Lot : 77

Munic/Township : Peoria

APN : 510-01-289

Neighbor Code : 11-009

Last Market Sale Information Recording/Sale Date : 06/09/2017 / 05/17/2017

1st Mtg Amount/Type : $259,000 / Cnv

Sale Price : $299,000

1st Mtg Document # : 422052

Document # : 422051

1st Mtg Term : 30

Deed Type : Warranty Deed

Price Per SqFt : $127.56

Title Company : Lawyers Title Lender : Fairway Independent Mtg Corp Seller Name : Ubert Ralph Prior Sale Information Prior Rec/Sale Date : 03/26/2009 / 03/09/2009 Prior Sale Price : $173,000

Prior Doc Number : 269559 Prior Deed Type : Special Warranty Deed

Property Characteristics Gross Area : 2,344 Living Area : 2,344 Total Rooms : 8 Year Built / Eff : 2005 # of Stories : 2

Garage 2 Capacity :

Patio Type : Covered Patio

Roof Material : Concrete Tile Heat Type : Forced Air Cooling Type : Forced Air Exterior wall : Frame Wood

Air Cond : Refrigeration Quality : Good Condition : Average Bath Fixtures : 11

Parking Type : Garage Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved

Property Information Land Use : Sfr

Lot Size : 5,863

Water Type : Type Unknown

Zoning : PCD

Site Influence : Green Belt

Sewer Type : Public Service

Lot Acres : 0.13

Water Influence : Greenbelt

State Use : Single Fam Resurban Subd ( 4 )

Tax Information Total Value : $239,800

Improve % : 80%

Current Assessed 2022 Year :

Land Value : $47,900

Tax Year : 2020

Improvement $191,900 Value :

Property Tax : $2,524.56

Total Taxable $20,136 Value : Assessed Year : 2020

Current Year Total $27,650 Value :

Tax Rate Area : 111239

Current Year $22,120 Improvement Value : Current Year Land $5,530 Value :

Market Value : $239,800

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved

Sales Analysis Criteria

Subject Property

Sale Price

Low

High

Average

$299,000

$335,000

$555,000

$425,467

2344

1997

2622

2286

$127.56

$145

$242

$185.92

Year Built

2005

2004

2019

2011

Lot Size

5,863

2,250

8,788

5,595

Bathrooms

4

3

5

4

Stories

2

1

2

2

$239,800

$219,500

$342,100

$255,340

0

0.1

0.34

0.25

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

Bed Bath

Living Area

Lot Size

Year Built

Dist (Miles)

Zoning

S

29754 N 121st Dr

299,000

239,800

06/09/2017

4

2,344

5,863

2005

PCD

1

12147 W Lone Tree Trl

470,000

219,500

09/03/2021

4

2,344

6,148

2004

0.1

PCD

2

12237 W Ashby Dr

539,000

304,200

12/14/2020

4

2,476

8,788

2004

0.12

PCD

3

12110 W Lone Tree Trl

370,000

259,000

12/02/2020

4

2,544

5,944

2004

0.14

PCD

4

12094 W Lone Tree Trl

380,000

258,600

12/15/2020

4

2,344

6,079

2007

0.16

PCD

5

12096 W Eagle Ridge Ln

350,000

229,600

02/26/2021

4

2,160

5,982

2004

0.19

PCD

6

12092 W Eagle Ridge Ln

350,000

226,200

12/22/2020

4

2,160

5,856

2004

0.19

PCD

7

12022 W Lone Tree Trl

365,000

248,700

01/13/2021

4

2,188

8,314

2006

0.22

PCD

8

29769 N 119th Ln

460,000

260,200

04/23/2021

4

2,160

6,618

2008

0.23

PCD

9

30149 N 120th Ln

540,000

234,800

08/26/2021

4

2,537

6,450

2004

0.23

PCD

10

29351 N 122nd Gln

360,500

236,800

03/25/2021

3

2,119

3,149

2019

0.27

PCD

11

29331 N 122nd Gln

435,000

289,300

06/07/2021

4

2,622

4,653

2019

0.27

PCD

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved

12

12004 W Eagle Ridge Ln

533,334

248,100

09/22/2021

4

2,204

7,515

2007

0.28

PCD

13

29380 N 122nd Gln

335,000

244,300

11/18/2020

3

2,119

3,728

2019

0.28

PCD

14

12403 W Morning Vista Ln

555,000

257,600

08/09/2021

4

2,344

6,820

2004

0.29

PCD

15

12293 W Domino Dr

472,600

303,800

09/02/2021

4

2,622

6,079

2019

0.29

PCD

16

29291 N 122nd Ln

362,000

247,800

12/04/2020

3

2,120

4,015

2018

0.31

PCD

17

29283 N 122nd Ln

362,000

236,000

12/23/2020

3

2,120

3,071

2017

0.32

PCD

18

29382 N 123rd Ave

360,000

225,000

04/27/2021

5

1,997

2,250

2017

0.33

PCD

19

29251 N 122nd Ln

429,900

235,200

08/31/2021

3

2,120

3,015

2017

0.34

PCD

20

29345 N 119th Ln

480,000

342,100

02/19/2021

4

2,422

7,420

2017

0.34

PCD

Distressed Sales =

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved

Map

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved

Sales History Rec. Date :

06/09/2017

03/26/2009

01/07/2009

02/23/2006

Sale Date :

05/17/2017

03/09/2009

12/30/2008

01/26/2006

Sale Price :

$299,000

$173,000

$205,000

$367,509

422051

269559

14078

245887

WARRANTY DEED

SPECIAL WARRANTY DEED

TRUSTEE'S DEED (FORECLOSURE)

SPECIAL WARRANTY DEED

Buyer :

Heitkam Aaron R & Lindsey K

Ubert Ralph & Kimberlee

Federal Home Loan Mtg Corp

Tabon Walter W & Mi J J

Seller :

Ubert Ralph

Federal Home Loan Mtg Corp

Bosco Michael A Jr

Ashton Woods Arizona Llc

Lawyers Title

First American Title Insurance

Great American Title

First American Title

Rec.Doc.No : Doc. Type :

Sale Price Type :

Title Company : Other Doc No :

------------------------------------------------------------------------------------------------------------------------------------------- Rec. Date :

12/05/2003

Sale Date :

12/00/2003

Sale Price :

$3,250,600

Rec.Doc.No : Doc. Type :

1661650 SPECIAL WARRANTY DEED

Sale Price Type : Buyer :

Ashton Woods Arizona Llc

Seller :

Vistancia Llc

Title Company :

First American Title

Other Doc No : -------------------------------------------------------------------------------------------------------------------------------------------

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved Note: Refer to the property reports recorded documents

Mortgage History 1st Mortgage Details 08/18/2020

06/09/2017

06/10/2016

02/23/2006

$251,348

$259,000

$100,000

$294,007

759131

422052

402227

245888

Doc. Type :

DEED OF TRUST

DEED OF TRUST

DEED OF TRUST

DEED OF TRUST

Loan Type :

CONVENTIONAL

CONVENTIONAL

CONVENTIONAL

CONVENTIONAL

Mtg. Date : Mtg. Amt : Mtg. Doc. No :

ADJUSTABLE INT RATE LOAN

Mtg. Rate Type : Mtg. Term :

30 Years

30 Years

30 Years

30 Years 5.88

Mtg. Rate : Quicken Lns

Fairway Independent Mtg Corp

Jp Morgan Chase Bk Na

Ashton Woods Mtg Llc

Borrower 1 :

Heitkam Aaron R

Heitkam Aaron R

Ubert Ralph

Tabon Walter W

Borrower 2 :

Heitkam Lindsey K

Heitkam Lindsey K

Ubert Kimberlee

Tabon Mi J J

Lender :

Borrower 3 : Borrower 4 : ------------------------------------------------------------------------------------------------------------------------------------------- Mtg. Date :

12/05/2003

Mtg. Amt : Mtg. Doc. No :

1661651

Doc. Type :

DEED OF TRUST

Loan Type :

PRIVATE PARTY LENDER

Mtg. Rate Type :

FIXED RATE LOAN

Mtg. Term : Mtg. Rate : Lender : Borrower 1 :

Private Individual Ashton Woods Arizona Llc

Borrower 2 : Borrower 3 : Borrower 4 : ------------------------------------------------------------------------------------------------------------------------------------------- Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved Note: Refer to the property reports recorded documents

Foreclosure History Doc Type : Recording Date :

NOTICE OF TRUSTEE'S SALE 09/29/2008

Fore. Doc. No :

840408

Orig Mtg Amt :

$294,007

Orig Doc Date : Lender Name :

02/23/2006 Wells Fargo Bk Na

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved Note: Refer to the property reports recorded documents

Public Schools :

Elementary Schools

Vistancia Elementary School

Distance 0.61 Miles

30009 N Sunrise Pt Peoria AZ 85383 Telephone : (623) 773-6500 Lowest Grade : Pre-K Kindergarten : Yes Enrollment : 1272

School District : Peoria Unified School District (4237) Highest Grade : 8th School Enrollment : Total Expenditure/Student : 146

Lake Pleasant Elementary

Distance 1.71 Miles

31501 N Westland Rd Peoria AZ 85383 Telephone : (623) 773-6575 Lowest Grade : Pre-K Kindergarten : Yes Enrollment : 962

School District : Peoria Unified School District (4237) Highest Grade : 8th School Enrollment : Total Expenditure/Student : 146

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved

Local Business Attractions / Recreation Name

Address

Telephone

Distance (Miles)

Az Bounce Pro Llc

29459 N 122nd Dr Peoria Az

(480) 510-7719

0.18

1 Pilgrim Studio, Llc

29348 N 122nd Dr Peoria Az

(623) 249-7151

0.25

Kindness Entertainment, Llc

11980 W Shifting Sands Dr Peoria Az

(602) 618-1004

0.27

Sarah Curley Art Llc

30172 N 123rd Dr Peoria Az

(602) 653-9498

0.34

Banks / Financial Name

Jpmorgan Chase Bank, National Association

Address

Telephone

28523 N El Mirage Rd Peoria Az

(623) 455-4015

Distance (Miles)

0.79

Eating / Drinking Name

Address

Telephone

Distance (Miles)

Pong Fighting Championship L.l.c.

29776 N 121st Ave Peoria Az

(623) 570-2088

0.08

Radish

12057 W Ashby Dr Peoria Az

(717) 319-2858

0.17

Pro Dough The Protein Donut Llc

11722 W Dove Wing Way Peoria Az

(858) 334-9345

0.36

Sonrise Coffee

29411 N 123rd Dr Peoria Az

(907) 242-2021

0.4

Health Care Services Name

Address

Telephone

Distance (Miles)

Wendi Mcdowell

29752 N 121st Ave Peoria Az

(520) 954-5254

0.08

Wayland Dental Care

29776 N 121st Ave Peoria Az

(585) 208-6632

0.08

Firebird Assisted Living

12236 W Morning Vista Dr Peoria Az

(623) 606-5847

0.18

Gin My Health Nation Llc

12230 W Eagle Ridge Ln Peoria Az

(623) 748-3589

0.21

Organizations / Associations Name

Address

Telephone

Distance (Miles)

Spirit Song United Methodist Church

12562 W Miner Trl Peoria Az

(623) 824-1357

0.56

Discovery Church Guarantors, L

29650 N 127th Ln Peoria Az

(623) 203-5547

0.72

Commercial Assembly Servic

28774 N 127th Ave Peoria Az

(623) 455-9655

0.84

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved

Personal Services Name

Address

Telephone

Distance (Miles)

Release Fitness, Llc

12118 W Dove Wing Way Peoria Az

(623) 866-3306

0.24

Her Personal Training, Llc

12309 W Dove Wing Way Peoria Az

(623) 297-9654

0.28

Desert Sun Fitness, Llc

11984 W Skinner Dr Peoria Az

(701) 340-8075

0.39

Shopping Name

The Home Source Llc

Address

Telephone

12738 W Desert Mirage Dr Peoria Az

(602) 441-3675

Distance (Miles)

0.81

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved

29742 N 121ST DR

Distance 0.01 Miles

Owner Name : Plett Sale Date : 01/12/2006 Total Value : $235,800 Bed / Bath : / 3 Land Use : Sfr Stories : 1 Yr Blt / Eff Yr Blt : 2005 /

Subdivision : Vistancia Village A Prcl A14 Recording Date : 02/22/2006 Sale Price : $358,456 Property Tax : $2,374.84 Lot Acres : 0.13 Living Area : 1,851 APN : 510-01-288

29766 N 121ST DR

Distance 0.01 Miles

Owner Name : Fellens John Sale Date : 11/06/2014 Total Value : $261,100 Bed / Bath : / 4 Land Use : Sfr Stories : 2 Yr Blt / Eff Yr Blt : 2005 /

Subdivision : Vistancia Village A Prcl A14 Recording Date : 11/07/2014 Sale Price : $237,000 Property Tax : $2,774.06 Lot Acres : 0.13 Living Area : 2,751 APN : 510-01-290

29774 N 121ST DR

Distance 0.02 Miles

Owner Name : Bunag Miguel A Sale Date : 03/07/2006 Total Value : $266,000 Bed / Bath : / 4 Land Use : Sfr Stories : 2 Yr Blt / Eff Yr Blt : 2005 /

Subdivision : Vistancia Village A Prcl A14 Recording Date : 04/18/2006 Sale Price : $376,893 Property Tax : $2,763.02 Lot Acres : 0.17 Living Area : 2,344 APN : 510-01-291

29751 N 121ST DR

Distance 0.03 Miles

Owner Name : Progress Phoenix Llc Sale Date : 04/29/2021 Total Value : $210,100 Bed / Bath : / 3 Land Use : Sfr Stories : 1 Yr Blt / Eff Yr Blt : 2005 /

Subdivision : Vistancia Village A Prcl A14 Recording Date : 05/03/2021 Sale Price : $395,000 Property Tax : $2,442.26 Lot Acres : 0.16 Living Area : 1,851 APN : 510-01-279 Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved

29763 N 121ST DR

Distance 0.03 Miles

Owner Name : Woodland David Sale Date : 04/29/2013 Total Value : $215,600 Bed / Bath : / 3 Land Use : Sfr Stories : 1 Yr Blt / Eff Yr Blt : 2005 /

Subdivision : Vistancia Village A Prcl A14 Recording Date : 05/17/2013 Sale Price : $195,000 Property Tax : $2,501.48 Lot Acres : 0.18 Living Area : 1,851 APN : 510-01-280

12127 W ASHBY DR

Distance 0.04 Miles

Owner Name : Proell Judith A Sale Date : 05/10/2016 Total Value : $229,500 Bed / Bath : / 3 Land Use : Sfr Stories : 1 Yr Blt / Eff Yr Blt : 2005 /

Subdivision : Vistancia Village A Prcl A14 Recording Date : 05/24/2016 Sale Price : $253,000 Property Tax : $2,334.24 Lot Acres : 0.18 Living Area : 1,851 APN : 510-01-265

29715 N 121ST DR

Distance 0.04 Miles

Owner Name : Anne Myers Sale Date : 01/18/2017 Total Value : $208,000 Bed / Bath : / 3 Land Use : Sfr Stories : 1 Yr Blt / Eff Yr Blt : 2005 /

Subdivision : Vistancia Village A Prcl A14 Recording Date : 01/30/2017 Sale Price : $238,500 Property Tax : $2,125.36 Lot Acres : 0.15 Living Area : 1,851 APN : 510-01-276

29790 N 121ST DR

Distance 0.04 Miles

Owner Name : Kutz Christy R Sale Date : 03/13/2014 Total Value : $272,200 Bed / Bath : / 4 Land Use : Sfr Stories : 2 Yr Blt / Eff Yr Blt : 2005 /

Subdivision : Vistancia Village A Prcl A14 Recording Date : 03/14/2014 Sale Price : $325,000 Property Tax : $2,910.82 Lot Acres : 0.19 Living Area : 2,751 APN : 510-01-293 Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved

12117 W ASHBY DR

Distance 0.05 Miles

Owner Name : Hahn Jonathan J Sale Date : 08/22/2005 Total Value : $242,100 Bed / Bath : / 4 Land Use : Sfr Stories : 2 Yr Blt / Eff Yr Blt : 2005 /

Subdivision : Vistancia Village A Prcl A14 Recording Date : 08/26/2005 Sale Price : $316,611 Property Tax : $2,954.88 Lot Acres : 0.15 Living Area : 2,544 APN : 510-01-267

12111 W ASHBY DR

Distance 0.06 Miles

Owner Name : Rodman Harvey E Sale Date : 02/24/2009 Total Value : $205,200 Bed / Bath : / 3 Land Use : Sfr Stories : 1 Yr Blt / Eff Yr Blt : 2004 /

Subdivision : Vistancia Village A Prcl A14 Recording Date : 03/11/2009 Sale Price : $150,000 Property Tax : $2,373.46 Lot Acres : 0.14 Living Area : 1,851 APN : 510-01-268

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved

Census Tract / block: 405.20 / 2 Year: 2018 Household Population

Population by Age

Count:

5,670

0 - 11

Estimate Current Year:

6,245

12 - 17

Estimate in 5 Years:

9,190

18 - 24

4.25%

Growth Last 5 Years:

27.9%

25 - 64

51.89%

Growth Last 10 Years:

-115.38%

65 - 74

5.57%

75+ Household Size

Household Income

Current Year:

1,755

0 - $25,000

4.27%

Average Current Year:

3.23

$25,000 - $35,000

4.16%

Estimate in 5 Years:

2,304

$35,000 - $50,000

4.1%

Growth Last 5 Years:

25.47%

$50,000 - $75,000

20.63%

Growth Last 10 Years:

33.33%

$75,000 - $100,000

10.14%

Male Population:

45.87%

Above $100,000

56.7%

Female Population:

54.13%

Married People:

68.85%

Unmarried People:

31.15%

Average Household Income:

$114,293

Housing Median Mortgage Payments

Home Values

Under $300:

0%

Below $100,000:

0%

$300 - $799:

13.79%

$100,000 - $150,000:

0%

$800 - $1,999:

42.46%

$150,000 - $200,000:

0.48%

Over $2,000:

43.75%

$200,000 - $300,000:

29.55%

Median Home Value:

$352,200

$300,000 - $500,000:

48.57%

Unit Occupied Owner:

83.87%

Above $500,000:

21.4%

Median Mortgage:

$1,335

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved

Rent Payments

Year Built

Unit Occupied Renter:

16.13%

1999 - 2000

Median Gross Rent:

$1,784

1995 - 1998

Less Than $499

0%

1990 - 1994

$500 - $749

4.15%

1980 - 1989

0.41%

$750 - $999

0%

1970 - 1979

0%

$1000 and Over

95.85%

1900 - 1969

0%

Public Pre-Primary School:

0.95%

Not Enrolled in School:

60.7%

Private Pre-Primary School:

1.41%

Not A High School Graduate:

2.99%

Public School:

33.26%

Graduate Of High School:

13.29%

Private School:

6.04%

Attended Some College:

21.77%

Public College:

4.38%

College Graduate:

38.98%

Private College:

2.72%

Graduate Degree:

22.97%

58.3%

Private Worker:

68.18%

Government Worker:

14.09%

Self Employed Worker:

6.82%

Unpaid Family Worker:

5.38%

Education Enrollment

Workforce Occupation:

Manager/Prof: Technical: Sales:

23.11%

Administrative: Private House Hold: Service:

Farming: 11.52%

Protective Services:

3.26%

Skilled: Blue-Collar:

7.08%

Commute Time

Less Than 15 Min:

11.37%

15 min - 28 min:

34.29%

30 min - 57 min:

38.63%

Over 60 min:

15.71%

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 10/29/2021 © 2021 CoreLogic. All rights reserved

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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.

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+ FIRST AMERICAN TITLE, FC0, JMCD 10/29/2021 11:20AM F952

MARICOPA, AZ

INVESTIGATIVE SEARCH RESULTS

PAGE 1 OF 1

SEARCH PARAMETERS PARCEL: PARCEL:

510-01-289 510-01-289

9

OWNER:

HEITKAM AARON R & LINDSAY K

SITUS:

29754 N 121ST DR PEORIA

MAIL:

29754 N 121ST DR

PEORIA AZ 85383

PLAT:

661 - 25

LEGAL:

VISTANCIA VILLAGE A PARCEL A14 MCR 661-25

REC DATE 06/09/2017

LOT 77

CURRENT TAXES

INSTRUMENT 2017 422051

INFORMATION THROUGH 10/15/2021

LAND

IMPR

EXEMPT

RATE

AREA

SPECIAL DISTRICTS

PRIMARY

21,143

0

0

6.8972

111239

23466 28820 28849 30002

SECONDARY

5,030

20,120

0

6.7188

2021 TOTAL TAX BILLED

2,525.76

2021

TAX AMT

TAX DUE

INTEREST

DATE PAID

TOTAL DUE

FIRST HALF

1,262.88

1,262.88

0.00

1,262.88

SECOND HALF 1,262.88

1,262.88

0.00

1,262.88

TOTAL CURRENT TAXES DUE 10/21

2,525.76

11/21

2,542.60

(ESTIMATED)

RESIDENTIAL IMPROVEMENTS BLDG SQFT

2,344

YEAR BUILT

2005

NUMBER OF STORIES NUMBER OF ROOMS NUMBER OF BATH FIXTURES

EXTERIOR WALLS ROOF

CONSTRUCTION CLASS

COVERED 1

GARAGE (TYPE AND NUMBER)

REFRIGERATION

11

PATIO (TYPE AND NUMBER)

COOLING

GARAGE 2

FRAME WOOD OTHER

PHYSICAL CONDITION LAND USE

R4 OTHER 01 41

LOT SIZE

5,863 SQ FT

POOL SQ FT

SCHOOL DISTRICT

111239

HEATING

LAND FULL CASH VALUE

50,300

IMPR FULL CASH VALUE

201,200

SALES SALE DATE

SALE AMOUNT

INSTRUMENT TYPE

SELLER NAME

06/09/2017

299,000

2017 422051 WD

UBERT RALPH & KIMBERIEE

03/26/2009

173,000

2009 269559 SD

FEDERAL HOME LOAN MTG CORP

02/23/2006

367,509

2006 245887 SD

ASHTON WOODS ARIZONA LLC

ADDITIONAL PROPERTY INFORMATION STANDARD LAND USE:

SFR

END SEARCH

VALIDITY

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.

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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.

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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.

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11 D C CROSSING

623.299.3644 | Fax 877.858.8099 13940 W Meeker Blvd, #119 Sun City West, AZ 85375 N of Meeker Blvd W of R.H. Johnson 623.936.8001 | Fax 866.764.4706 1626 N Litchfield Rd. Suite #170 Goodyear, AZ 85395 NW corner of McDowell & Litchfield

3 A RROWHEAD

623.487.0404 | Fax 866.764.4703 16165 N 83rd Ave, #100 Peoria, AZ 85382 S of Bell/E side of 83rd Ave

4 T HE LEGENDS

623.537.1608 | Fax 888.279.8559 20241 N 67th Ave, #A-2 Glendale, AZ 85308 E side 67th Ave/N of 101

623.551.3265 | Fax 866.764.4708 39508 N Daisy Mountain Dr, #128 Anthem, AZ 85086 NE corner Daisy Mtn Dr/ Gavilan Peak Pkwy 602.954.3644 | Fax 866.874.1067 2201 E Camelback Rd, #120B Phoenix, AZ 85016 SE corner of Camelback/22nd Street 480.515.4369 | Fax 866.303.1392 20860 N Tatum Blvd, #100 Phoenix, AZ 85050 NW corner of Tatum/Loop 101

8 C AREFREE

480.575.6609 | Fax 877.331.2252 7202 E Carefree Dr, Bldg 1, #1 Carefree, AZ 85377 NE corner of Tom Darlington/ Carefree Dr.

480.948.6488 | Fax 866.895.7958 14648 N Scottsdale Rd, Suite #100 Scottsdale, AZ 85254 W of Scottsdale Road, S side of Greenway 480.551.0480 | Fax 866.874.1064 6263 N Scottsdale Rd, #110 Scottsdale, AZ 85250 E Side Scottsdale/S of Lincoln 480.563.9034 | Fax 866.314.2283 18291 N Pima Rd, #145 Scottsdale, AZ 85255 SE corner of Pima/Legacy

12 A HWATUKEE

480.753.4424 | Fax 888.279.8546 4435 E Chandler Blvd, #100 Phoenix, AZ 85048 SW corner Chandler/45th St.

480.777.0051 | Fax 866.417.0638 2121 W Chandler Blvd., #215 Chandler, AZ 85224 SW Corner Chandler Blvd./ Dobson Rd.

17 G OLD CANYON

480.288.0883 | Fax 866.841.8917 6877 South Kings Ranch Rd, #5 Gold Canyon, AZ 85118 E of 60/ South Side Kings Ranch Rd.

480.777.0614 | Fax 888.279.8548 1528 E Williams Field Rd. #101 Gilbert, AZ 85295 NW corner of Williams Field Rd./ Val Vista Rd.

15 M ESA

480.833.5301 | Fax 888.279.8550 1630 S Stapley Dr, #123 Mesa, AZ 85204 N of Baseline / W of Stapley

16 R ED MOUNTAIN

480.534.3599 | Fax 888.889.7245 1135 N Recker Rd, #103 Mesa, AZ 85205 SE corner of Recker & Brown

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For more information please contact your First American representative.

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