43024 N Fleming Springs Rd, Cave Creek, AZ 85331

• 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.

• If you receive an email containing wire transfer instructions, immediately call your escrow officer to ensure the validity of 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

• 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.

WIRE FRAUD ADVISORY

TRUST YOUR SOURCE OF INFORMATION

ONLINE RESOURCES:

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!

The Federal Bureau of Investigation @ https://www.fbi.gov/scams and safety

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

DO NOT TRUST EMAILS CONTAINING WIRE INSTRUCTIONS

The National White Collar Crime Center @ http://www.nw3c.org/research

On Guard Online @ www.onguardonline.gov

PROTECT YOURSELF VERIFY AND NOTIFY

Client Date Client Date

The Internet Crime Complaint Center @ www.ic3.gov

The undersigned acknowledges receipt of this Wire Fraud Advisory.

DO NOT TRUST EMAILS SEEKING PERSONAL/FINANCIAL INFORMATION

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.

There are many online sources that can provide useful information regarding similar topics including, but not limited to, the following sites:

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 abst ract, legal opinion, opinion of title, title insurance commitment or preliminary report, or any form of Title Insurance or Guaranty. This report is issued exclusively for the benefit of the Applicant therefor and may not be used or relied upon by any other person. This report may not be reproduced in any manner without First American or Title Security's prior written consent. First American or Title Security does not represent or warrant that the information herein is complete or free from error, and the information herein is provided without any warranties of any kind, as-is, and with all faults. As a material part of the consideration given in exchange for the issuance of this report, recipient agrees that First American or Title Security's sole liability for any loss or damage caused by an error or omission due to inaccurate information or negligence in preparing this report shall be limited to the fee charged for the report. Recipient accepts this report with this limitation and agrees that First American or Title Security would not have issued this report but for the limitation of liability described above. First American or Title Security makes no representation or warranty as to the legality or propriety of recipient's use of the information herein.

LIMITATION OF LIABILITY FOR INFORMATIONAL REPORTS

This REiSource report is provided "as is" without warranty of any kind, either express or implied, including without limitations any warrantees of merchantability or fitness for a particular purpose. There is no representation of warranty that this information is complete or free from error, and the provider does not assume, and expressly disclaims, any liability to any person or entity for loss or damage caused by errors or omissions in this REiSource report without a title insurance policy.

Disclaimer

Data Provided By: First American Title Ins Co

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.

Information Legal

reserved

Prior Doc Number : 141119 Prior 1st Mtg Rate/Type : / Fixed Rate Loan

Owner OccupiedIndicator : A

Owner Transfer Information Recording/Sale Date : 05/10/2022 / 04/22/2022 Deed Type : Quit Claim Deed Document # : 406996

Customer

Owner Information Owner Name :

County :

Customer

Last Market Sale Information Recording/Sale Date : 07/27/2011 / 06/20/2011 1st Mtg Amount/Type : $417,000 / Cnv Sale Price : $550,000 1st Mtg Document # : 626066 Document # : 626065 1st Mtg Term : 30 Deed Type : Warranty Deed Price Per SqFt : $183.88 Title Company : First American Title Lender : Wallick & Volk Inc Name : Hemminger George M

Census Tract / Block : 304.02 / 1 School District : Cave Creek 93 Township-Range- Sect : 06N-04E-11 Neighbor Code : 20-004

Seller

All

Prior Sale Information Prior Rec/Sale Date : 03/30/1990 / 03/30/1990 Prior Lender : Citibank Na Prior Sale Price : $390,000 Prior 1st Mtg Amt/Type : $312,000 / Conv

©

Subject 43024 N Fleming Springs Rd Cave Creek AZ 85331 Gold Stephen J Mailing Address : Po Box 644, Cave Creek AZ 85327-0644 B010 Location Description : Sw4 Nw4 Se4 Ex S 150' Of E 330' 8.86 Ac Maricopa, Az APN : 202-17-006

Property :

Prior Deed Type : Deed (reg) Name : Jeremiah Stiffler Company Name : First American Prepared On : 09/06/2022 2022 CoreLogic. rights

Total Rooms : 6 Heat Type : Forced Air Quality : Good Year Built / Eff : 1970 Cooling Type : Forced Air Condition : Average # of Stories : 1 Exterior wall : Stucco Bath Fixtures : 8 Parking Type : Carport Patio Type : Covered Patio Pool Size : 450 Property Information

Land Value : $122,100 Tax Year : 2021 Current YearValue :Total $80,730 ImprovementValue : $488,400 Property Tax : $2,844.40 Current ImprovementYearValue : $64,590 Total TaxableValue : $58,811 Tax Rate Area : 930000 Current YearValue :Land $16,140 Assessed Year : 2021 Market Value : $610,500

Gross Area : 2,991 Capacity :Garage 2 Pool : Pool Living Area : 2,991 Roof Material : Built-up Air Cond : Refrigeration

Land Use : Sfr Lot Acres : 8.86 State Use : Sfr Imp-on 5+ Acres ( 5 ) Zoning : RU-190 Lot Size : 385,942 Tax Information Total Value : $610,500 Improve % : 80% Current AssessedYear : 2023

Property Characteristics

Sales Analysis Criteria Subject Property Low High Average Sale Price $550,000 $640,000 $2,850,000 $1,597,865 Bldg/Living Area 2991 2578 3369 3060 Price Per Square Foot $183.88 $206 $968 $527.39 Year Built 1970 1965 2017 1994 Lot Size 385,942 70,829 217,844 148,686 BathroomsBedrooms 3 3 5 4 Stories 1 1 2 1 Total Assessed Value $610,500 $477,500 $966,000 $697,408 Distance From Subject 0 1.37 2.98 2.16 Summary of Comparables # Address Sale Price TotalValueAssessed Sale Date Bed Bath Living Area Lot Size YearBuilt (Miles)Dist Zoning S 43024 N Fleming Springs Rd 550,000 610,500 07/27/2011 3 2,991 385,942 1970 RU-190 1 43415 N 65th St 2,495,000 625,800 04/13/2022 4 2,578 217,844 2017 1.37 RU-190 2 42030 N Sierra Vista Rd 2,850,000 966,000 04/18/2022 5 3,073 204,601 2014 1.41 RU-190 3 6517 E SpringsWillowLn 1,610,000 712,700 05/27/2022 4 3,245 182,962 1985 1.66 DR-190 4 40440 N 72nd St 1,450,000 582,800 05/03/2022 4 3,151 89,908 1987 1.71 DR-89 5 7202 E Highland Rd 1,025,000 533,300 01/20/2022 3 3,107 92,957 1965 1.86 DR-89 6 6201 E Cielo Run N 1,700,000 683,500 04/15/2022 3 3,164 164,800 1995 1.89 DR-190 7 5915 E Cielo Run N 1,625,250 724,600 04/08/2022 3 3,165 156,837 1995 2.12 DR-190 8 5902 E Desert Sage Pl 1,800,000 740,100 05/16/2022 4 2,898 70,829 2006 2.28 DR-70 9 6639 E Ridgecrest Rd 640,000 519,300 09/13/2021 4 3,103 108,900 1981 2.32 DR-89 10 5916 E Highland Rd 1,250,000 477,500 05/31/2022 3 2,783 107,995 1978 2.79 DR-89 11 41200 N 56th St 975,000 684,500 02/24/2022 4 2,810 205,080 2000 2.84 DR-190 Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 09/06/2022 © 2022 CoreLogic. All rights reserved

12 7339 E Stevens Rd 1,540,000 925,700 09/10/2021 5 3,369 160,320 1993 2.89 R1-35 13 5745 E Azure Hills Dr 1,812,000 890,500 09/23/2021 5 3,336 169,884 2000 2.98 DR-190 Distressed Sales = Map Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 09/06/2022 © 2022 CoreLogic. All rights reserved

Subject Property : 43024 N Fleming Springs Rd Cave Creek AZ 85331 Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 09/06/2022 © 2022 CoreLogic. All rights reserved

SchoolsArizona For detailed information and statistics on Arizona schools please go ©2021FirstFirsthttps://azreportcards.azed.gov/toAmericanTitleInsuranceCompany,andtheoperatingdivisionsthereof,makenoexpressorimpliedwarrantyrespectingtheinformationpresentedandassumenoresponsibilityforerrorsoromissions.American,theeaglelogo,FirstAmericanTitle,andfirstam.comareregisteredtrademarksortrademarksofFirstAmericanFinancialCorporationand/oritsaffiliates.FirstAmericanFinancialCorporationand/oritsaffiliates.Allrightsreserved.NYSE:FAF05117910421

Porto

Health Care Services Name Address

N

Sbmc Mortgage 41095 N Canyon Ridge Trl Cave Creek Az (602) 692-0978 2.43 Investments, Llc 6712 Cave Creek Rd Cave Creek Az (602) 697-5912 3.18 Bank & Trust Company (inc) 6300 E Cave Creek Rd Cave Creek Az (480) 488-4440 3.44 Cir Carefree Az (480) 595-5716 3.6 Telephone Distance (Miles)

44029 N

Spur Cross

Socialmari 11 Sundial

The

E

Dairy

E

Eating / Drinking Name Address

Parkway

Renee Waldman 7020 E Arroyo Rd Cave Creek Az (480) 636-0255 2.21 Roberts, M.d., P.c. 5780 E Cielo Run N Cave Creek Az (480) 595-6916 2.21

Sheldon

Momentum 7030 Lone Mountain Rd N Cave Creek Az (480) 489-9847 1.83 Stable Spur Cross Rd Cave Creek Az (480) 488-9117 2.23 Llc 6611 Ridgecrest Rd Cave Creek Az (602) 332-6040 2.31 43000 Spur Cross Rd Cave Creek Az (480) 488-4538 2.43

D.s. One

Modify Cafe 39221 N Tom Morris Rd Scottsdale Az (952) 905-0172 3.08 Hideaway Corp 6746 E Cave Creek Rd Cave Creek Az (480) 595-0358 3.18 Queen Brazier Restaurant 6548 E Cave Creek Rd Cave Creek Az (480) 488-2819 3.27 Bello, L.l.c. 6528 Cave Creek Rd Cave Creek Az (602) 595-9544 3.27 Telephone Distance (Miles)

LocalAttractionsBusiness/Recreation Name Address Telephone Distance (Miles)

E

Banks / Financial Name Address Telephone Distance (Miles)

Yogalila

E

Mtm Ranch

Desert Winds Anesthesia Llc 41252 N Desert Winds Dr Cave Creek Az (602) 509-5353 2.74 Stage Three Anesthesia, Inc. 41252 N Desert Winds Dr Cave Creek Az (480) 419-7232 2.74 Hospitality Name Address Telephone Distance (Miles) Lawrence Runke 150 Lake Powell Blvd Cave Creek Az (928) 645-2416 3.14 Spur Cross Bed & Breakfast 38555 N School House Rd Cave Creek Az (480) 473-1038 3.19 Tumbleweed Motel 6333 E Cave Creek Rd Cave Creek Az (480) 488-3668 3.45 Sun Devil Resort 8828 E Robert Hunter Dr Scottsdale Az (602) 980-7454 3.45 Organizations / Associations Name Address Telephone Distance (Miles) Joy Filled Living Ministry 40240 N 69th Pl Cave Creek Az (480) 258-2312 1.98 Good Shepherd Of The Hills Episcopal Church Inc 6528 E Cave Creek Rd Cave Creek Az (480) 488-3283 3.27 Cme Professional Services Llc 7100 E Cave Creek Rd # 11 Cave Creek Az (480) 471-8825 3.35 Troon North Homes For Sale 42395 N Saguaro Forest Dr Scottsdale Az (480) 980-0255 3.39 Personal Services Name Address Telephone Distance (Miles) Skin Revision, Pllc 6554 E Cave Creek Rd # 9 Cave Creek Az (480) 828-0987 3.27 Kali Inc 6450 E Cave Creek Rd # 20 Cave Creek Az (480) 488-1928 3.34 Shopping Name Address Telephone Distance (Miles) Janey's Coffee Company & Bodega 6602 E Cave Creek Rd Cave Creek Az (480) 575-6885 3.24 Big Bronco 6602 E Cave Creek Rd Cave Creek Az (480) 575-1357 3.24 Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 09/06/2022 © 2022 CoreLogic. All rights reserved

Desert Glass 41641 N 101st Pl Scottsdale Az (480) 427-4665 3.25 Circle K Stores Inc. 6802 E Cave Creek Rd Cave Creek Az (480) 488-3842 3.25 Customer Name : Jeremiah Stiffler Customer Company Name : First American Prepared On : 09/06/2022 © 2022 CoreLogic. All rights reserved

Owner Name : Rickey Lee Recording Date : 10/01/1997 Sale Date : 09/00/1997 Sale Price : $340,000 Total Value : $693,500 Property Tax : $3,085.06

Owner Name : Double Canyon Enterprises Llc Recording Date : 07/29/2003 Sale Date : 07/15/2003 Sale Price : $295,000 Total Value : $280,800 Property Tax : $1,440.90 / Bath : / 2 Lot Acres : 8.64 Use : Sfr Living Area : 1,145 1 APN : 202-17-004 /

Bed

Yr Blt

Eff Yr Blt : 1962 / 42600 N FLEMING SPRINGS RD Distance 0.13 Miles

Stories :

Yr Blt / Eff Yr Blt : 1963 / 42836 N FLEMING SPRINGS RD Distance 0.13 Miles

Owner Name : Thomas J Bugeya Recording Date : 12/10/2010 Sale Date : 12/01/2010 Sale Price : $373,000

©

7625 E FLEMING SPRINGS RD Distance 0.12 Miles

Bed

Owner Name : Amaro John A Yr Blt / Eff Yr Blt : 2000 / Value : $737,800 Property Tax : $3,374.04 / Bath : / 3 Lot Acres : 5.00 Land Use : Sfr Living Area : 4,338 2 APN : 202-17-007-C Name : Jeremiah Stiffler Company Name : First American Prepared On : 09/06/2022 2022 CoreLogic. All rights reserved

Customer

Yr Blt / Eff Yr Blt : 1963 / 43044 N FLEMING SPRINGS RD Distance 0.13 Miles

Total Value : $505,200 Property Tax : $2,364.44 Bed / Bath : / 3 Lot Acres : 10.00 Land Use : Sfr Living Area : 2,439 Stories : 1 APN : 202-17-013

Bed / Bath : / 3 Lot Acres : 9.52 Land Use : Sfr Living Area : 2,742 Stories : 2 APN : 202-17-010

Stories :

Land

Total

Customer

42808 N FLEMING SPRINGS RD Distance 0.15 Miles

Owner Name : John A Amaro Sale Price : $150,000 Sale Date : 07/00/1998 Property Tax : $224.44

Owner Name : Borak Kevin W Sale Price : $340,000 Sale Date : 08/23/2019 Property Tax : $1,770.66 Total Value : $300,400 Lot Acres : 10.00 Land Use : Residential Acreage APN : 202-17-005 Recording Date : 08/30/2019

Owner Name : Hughes Bryan Recording Date : 11/24/2020 Sale Date : 11/19/2020 Sale Price : $840,000 Total Value : $822,700 Property Tax : $3,664.04 Bed / Bath : / 4 Lot Acres : 6.20 Land Use : Sfr Living Area : 3,459 Stories : 1 APN : 202-17-020-E Yr Blt / Eff Yr Blt : 1989 / 43220 N 78TH ST Distance 0.18 Miles

Total Value : $49,100 Lot Acres : 2.27 Land Use : Sfr APN : 202-17-007-B Recording Date : 07/23/1998 43240 N 76TH ST Distance 0.16 Miles

Customer Name : Jeremiah Stiffler

All

Unit Occupied Owner: 87.52% Above $500,000: 50.22% Median Mortgage: $1,724

Current Year: 2,091 0 - $25,000 16.59%

Average Current Year: 2.13 $25,000 - $35,000 9.8%

Census Tract / block: 304.02 / 1 Year: 2018 Household Population Population by Age Count: 4,445 0 - 11 Estimate Current Year: 4,657 12 - 17 Estimate in 5 Years: 5,609 18 - 24 4.48% Growth Last 5 Years: 15.05% 25 - 64 54.49% Growth Last 10 Years: -68.72% 65 - 74 20.29% 75+ Household Size Household Income

Estimate in 5 Years: 2,890 $35,000 - $50,000 7.13% Growth Last 5 Years: 20.99% $50,000 - $75,000 14.49% Growth Last 10 Years: 20.63% $75,000 - $100,000 8.66% Male Population: 47.87% Above $100,000 43.33% Female Population: 52.13% Average Household Income: $80,117 Married People: 60.48% Unmarried People: 39.52% Housing Median Mortgage Payments Home Values Under $300: 1.91% Below $100,000: 5.14% $300 - $799: 31.58% $100,000 - $150,000: 1.42% $800 - $1,999: 27.49% $150,000 - $200,000: 0.66% Over $2,000: 39.02% $200,000 - $300,000: 12.95%

Median Home Value: $501,800 $300,000 - $500,000: 29.62%

reserved

Private Pre-Primary School: 0.07% Not A High School Graduate: 3.63% Public School: 12.47% Graduate Of High School: 14.1%

Workforce Occupation: Manager/Prof: 42.45% Private Worker: 61.15% Technical: Government Worker: 7.01% Sales: 24.27% Self Employed Worker: 14.32% Administrative: Unpaid Family Worker: 9.74% Private House Hold: Farming: 9.58% Service: 19.27% Skilled: Protective Services: Blue-Collar: 14.01% Time Less Than 15 Min: 26.7% 15 min - 28 min: 28.31% 30 min - 57 min: 34.53% Over 60 min: 10.46% Customer Name : Jeremiah Stiffler Company Name : First American Prepared On : 09/06/2022 2022 CoreLogic. rights

Private School: 2.16% Attended Some College: 21.02% Public College: 3.27% College Graduate: 40.95% Private College: 1.14% Graduate Degree: 20.3%

Public Pre-Primary School: 0% Not Enrolled in School: 85.37%

All

Rent Payments Year Built Unit Occupied Renter: 12.48% 1999 - 2000 Median Gross Rent: $1,206 1995 - 1998 Less Than $499 0% 1990 - 1994 $500 - $749 23.72% 1980 - 1989 15.03% $750 - $999 10.67% 1970 - 1979 17.67% $1000 and Over 65.61% 1900 - 1969 9.03% Education Enrollment

©

Customer

Commute

+ FIRST AMERICAN TITLE, FC0, JSTI MARICOPA, AZ 09/06/2022 10:36AM R9C8 INVESTIGATIVE SEARCH RESULTS PAGE 1 OF 1 SEARCH PARAMETERS PARCEL: 202-17-006 PARCEL: 202-17-006 7 INSTRUMENT REC DATE OWNER: GOLD STEPHEN J/PANILAITIS PATTI A 2019 245013 04/08/2019 SITUS: 43024 N FLEMING SPRINGS RD CAVE CREEK MAIL: PO BOX 2281 CAREFREE, AZ 85377 SECTION: 11 TWP 6N RNG 4E LEGAL: SW4 NW4 SE4 EX S 150' OF E 330' 8.86 AC CURRENT TAXES INFORMATION THROUGH 08/19/2022 LAND IMPR EXEMPT RATE AREA SPECIAL DISTRICTS PRIMARY 58,811 0 0 4.3022 930000 30001 SECONDARY 12,210 48,840 0 1.3867 2021 TOTAL TAX BILLED 2,844.40 2021 TAX AMT TAX DUE INTEREST DATE PAID TOTAL DUE FIRST HALF 1,422.20 0.00 0.00 09/30/2021 0.00 SECOND HALF 1,422.20 0.00 0.00 01/31/2022 0.00 TOTAL CURRENT TAXES DUE 09/22 0.00 10/22 0.00 RESIDENTIAL IMPROVEMENTS BLDG SQFT 2,991 COOLING REFRIGERATION YEAR BUILT 1970 EXTERIOR WALLS STUCCO NUMBER OF STORIES 1.0 ROOF BUILT UP NUMBER OF ROOMS CONSTRUCTION CLASS R5 NUMBER OF BATH FIXTURES 8 PHYSICAL CONDITION OTHER PATIO (TYPE AND NUMBER) COVERED 4 LAND USE 87 10 GARAGE (TYPE AND NUMBER) CARPORT 2 LOT SIZE 8.860 ACRES POOL SQ FT 450 SCHOOL DISTRICT 930000 HEATING LAND FULL CASH VALUE 122,100 IMPR FULL CASH VALUE 488,400 SALES SALE DATE SALE AMOUNT INSTRUMENT TYPE SELLER NAME VALIDITY 07/27/2011 550,000 2011 626065 WD HEMMINGER GEORGE M 03/01/1994 345,000 1994 171380 SD HOPKINS KAREN L / 03/30/1990 390,000 1990 141119 D CHATTMAN MARTIN S/JOANN N 10/19/1978 175,000 1978 405929 JD JOHNSTON J S & F S 1 ADDITIONAL PROPERTY INFORMATION STANDARD LAND USE: SFR END SEARCH

MARICOPA, AZ Document:DED WAR 2011.626065 Page:1 of 4 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED WAR 2011.626065 Page:2 of 4 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED WAR 2011.626065 Page:3 of 4 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED WAR 2011.626065 Page:4 of 4 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:AFF DSC 2011.626067 Page:1 of 5 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:AFF DSC 2011.626067 Page:2 of 5 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:AFF DSC 2011.626067 Page:3 of 5 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:AFF DSC 2011.626067 Page:4 of 5 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:AFF DSC 2011.626067 Page:5 of 5 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DOT 2018.652490 Page:1 of 10 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DOT 2018.652490 Page:2 of 10 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DOT 2018.652490 Page:3 of 10 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DOT 2018.652490 Page:4 of 10 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DOT 2018.652490 Page:5 of 10 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DOT 2018.652490 Page:6 of 10 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DOT 2018.652490 Page:7 of 10 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DOT 2018.652490 Page:8 of 10 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DOT 2018.652490 Page:9 of 10 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DOT 2018.652490 Page:10 of 10 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED QCL 2021.1366795 Page:1 of 15 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED QCL 2021.1366795 Page:2 of 15 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED QCL 2021.1366795 Page:3 of 15 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED QCL 2021.1366795 Page:4 of 15 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED QCL 2021.1366795 Page:5 of 15 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED QCL 2021.1366795 Page:6 of 15 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED QCL 2021.1366795 Page:7 of 15 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED QCL 2021.1366795 Page:8 of 15 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED QCL 2021.1366795 Page:9 of 15 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED QCL 2021.1366795 Page:10 of 15 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED QCL 2021.1366795 Page:11 of 15 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED QCL 2021.1366795 Page:12 of 15 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED QCL 2021.1366795 Page:13 of 15 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED QCL 2021.1366795 Page:14 of 15 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED QCL 2021.1366795 Page:15 of 15 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED QCL 2022.406996 Page:1 of 2 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED QCL 2022.406996 Page:2 of 2 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED BEN 2022.406997 Page:1 of 3 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED BEN 2022.406997 Page:2 of 3 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

MARICOPA, AZ Document:DED BEN 2022.406997 Page:3 of 3 Printed on:9/6/2022 10:42 AM Branch :FC0 User :JSTI

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.

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.

to the Title & Escrow Process in Arizona Home Seller’s Guide

Southwest Gas www.swgas.com1.877.860.6020 Cox www.cox.com602.277.1000 Direct TV www.directv.com1.888.777.2454 Dish Network www.dishnetwork.com1.800.823.4929 CenturyLink www.centurylink.com800.366.8201 AT&T www.att.com1.800.222.0300 Verizon www.connecttoverizon.com1.877.300.4498 Salt River Project www.srpnet.com602.236.8888 APS www.aps.com602.371.7171 Your Escrow Number Your New City/State/ZipAddress Real Estate Agent Name Email Assistant Email Company Phone Address Fax Insurance CompanyPrevious Phone Previous Agent No.Policy New Company Phone New Agent No.Policy Home CompanyWarranty No.Policy First American Title Escrow Officer Email Escrow Assistant Email Address Phone City/State/Zip Fax 02 Quick Reference 03 Welcome 04 Benefits of Using a REALTOR ® 05 Key Professionals 06 Preparing Your Home for Sale 07 Staging Your Home for Show 09 Terms You Should Know 10 The Life of an Escrow 11 Closing Costs: Who Pays What 12 The Escrow Process 14 Understanding Title Insurance 16 Consider This 17 Closing Your Escrow 18 Planning Your Move Q uick Reference Table of Contents Utilities and Services

AZ Sellers Guide | 3

First American Title’s professionals are proud to provide the title insurance that assures people’s home ownership. Backed by First American Title Insurance Company, your transaction will be expertly completed in accordance with state-specific underwriting standards and state and federal regulatory requirements.

First American 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.

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 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 Financial Corporation offers more than title insurance and escrow services through its subsidiaries. Our subsidiaries also provide property data, title plant records and images, home warranties, property and casualty insurance, and banking, trust and advisory services.

Count On Us For Stability

Count On Us For Convenience

Count On Us To Meet Your Needs

› Knows how to screen potential buyers and eliminate those who can’t qualify or are looking for bargain-basement prices.

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

› Knows how to go toe-to-toe in negotiations.

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

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

FOR SALE BY OWNER

Do you... - have the knowledge, patience, and sales skills needed to sell your home? - know how to determine your home’s current market value? - 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?

› Is 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!

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

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

AZ Sellers Guide | Benefits4 of using a Professional REALTOR ®

› Knows how to price your home realistically, to give you the highest price possible within your time frame. › Is experienced in creating demand for homes and how to show them to advantage.

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.

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.

A REALTOR ® : › Understands market conditions and has access to information not available to the average homeowner. › Can advertise effectively for the best results.

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

- concerned about having strangers walking through your home?

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

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

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

› Maintains errors-and-omissions insurance. › Will listen to your needs, respect your opinions and allow you to make your own decisions.

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

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

Key Professionals Involved in Your Transaction

REAL ESTATE 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.

LISTING AGENT

These are the people who carry out the title search and examination, work with you to eliminate the title exceptions you are not willing to take subject to, and provide the policy of title insurance regarding title to the real property.

A key role of the listing agent or broker is to form a legal relationship with the homeowner to sell the property and place the property in the Multiple Listing Service.

TITLE COMPANY

BUYER'S AGENT

The MLS is a database of properties listed for sale by REALTORS ® who are members of the local Association of REALTORS.® Information on an MLS property is available to thousands of REALTORS ®

MULTIPLE LISTING SERVICE (MLS)

AZ Sellers Guide | 5

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.®

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

ESCROW OFFICER

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.®

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

Repair or replace worn shutters and other exterior trim. Make sure the front steps are clear and hazard-free. Make sure the doorbell works properly and has a pleasant sound. Ensure that all exterior lights are working. 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.

Brighten the appearance inside by painting walls, cleaning windows and window coverings, and removing sunscreens. Repair leaky faucets and caulking in bathtubs and showers. Repair or replace loose knobs on doors and cabinets. If doors stick or squeak, fix them. Make sure toilet seats look new and are firmly attached. Repair or replace loud ventilating fans. Replace worn shower curtains. Rearrange furniture to make rooms appear larger. If possible, remove and/or store excess furniture, and avoid extension cords in plain view. Remove clutter throughout the house. Organize and clean out closets. Clean household appliances and make sure they work properly. Air conditioners/heaters, evaporative coolers, hot water heater should be clean, working and inspected if necessary. Replace filters. Check the pool and/or spa equipment and pumps. Make sure all are working properly and that the pool and/or spa are kept clean. Inspect fences, gates and latches. Repair or replace as needed.

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

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.

YOURFORPREPARINGSALEHOME

First impressions have a major impact on potential buyers. Try to imagine what potential buyers will see when they approach your house for the first time and walk through each room. Ask your REALTOR ® for advice; they know the marketplace and what helps a home sell. Here are some tips to present your home in a positive manner:

AZ Sellers Guide | 6

Get rid of odors such as tobacco, pets, cooking, etc., but don’t overdo air fresheners or potpourri. Fresh baked bread and cinnamon can make a positive impact. Send pets away or secure them away from the house, and be sure to clean up after them. Close the windows to eliminate street noise.

Staging your home for Show

AZ Sellers Guide | 7

Keep everything clean. A messy or dirty home will cause prospective buyers to notice every flaw. Clear all clutter from counter tops. Let the light in. Raise shades, open blinds, pull back the curtains and turn on the lights.

If you must be present while your home is shown, keep noise down. Turn off the TV and radio. Soft, instrumental music is fine, but avoid vocals. Keep the garage door closed and the driveway clear. Park autos and campers away from your home during showings Hang clean attractive guest towels in the bathrooms. Check that sink and tub are scrubbed and unstained. Make beds with attractive spreads. Stash or throw out newspapers, magazines, junk mail.

If possible you, your pets, and your children should be gone while your home is being cans and put them out of sight.

Cleanshown.trash

To make the best impression, keep your home clean, neat, uncluttered and in good repair. Please review this list prior to each showing:

AZ Sellers Guide | 8

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

Power of Attorney

Close of Escrow

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

Appraisal

AZ Sellers Guide | 9

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.

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

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

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

Legal Description

Lien

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

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

Consummation

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

Easement

Endorsement

TRID TILA-RESPA Integrated Disclosures

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

Deed Restrictions

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.

Terms You Should Know

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

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

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.

Beneficiary

Closing Disclosure (CD)

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

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

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.

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

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 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.

Disbursement Date

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.

Deed of Trust

Annual Percentage Rate (APR)

THE LENDER

THE ESCROW OFFICER

Chooses a Real Estate Agent Accepts Buyer’s offer to openingCompletespurchase.andreturnspackagefromFirstAmericanTitle,includinginformationsuchasforwardingaddress,payofflendercontactinformationandloannumbers.Ordersanyworkforinspectionsand/orrepairstobedoneasrequiredbythepurchaseagreement.Escrowofficerorrealestateagentcontactsthesellertoschedulesigningappointment.Documentsarerecordedandallproceedsfromsalearereceived.

THE BUYER

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

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

AZ Sellers Guide | 10

The Life Of An Escrow

Chooses a Real Estate Agent Gets pre-approval letter from Lender and provides to Real Estate Agent. 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. Schedules inspections and evaluates findings. Reviews title BuyerpriorlenderpaperworkProvidespreliminarycommitment/report.allrequestedtoLender(bankstatements,taxreturns,etc.)Allinvoicesandfinalapprovalsshouldbetothenolaterthan10daystoloanconsummation.Lender(orEscrowOfficer)preparesCDanddeliverstoatleast3dayspriortoloanconsummation.Escrowofficerorrealestateagentcontactsthebuyertoschedulesigningappointment.Buyerconsummatesloan,executessettlementdocuments,&depositsfundsviawiretransfer.Documentsarerecordedandthekeysaredelivered!

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.

THE SELLER

Coordinatesconsummation.withlender on the preparation of the CD. Reviews all documents, demands, and instructions and prepares settlement statements and any other required documents.

Accepts Buyer’s application and begins the qualification process. Provides Buyer with Loan Estimate. 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 Underwritingapproval.reviews loan package for approval. Coordinates with Escrow Officer on the preparation of the Closing Disclosure, which is delivered to Buyer at least 3 days prior to loan documents,UponDeliversconsummation.loandocumentstoescrow.reviewofsignedloanauthorizesloanfunding.

AZ Sellers Guide | 11 CASH FHA VA CONV 1. Downpayment BUYER BUYER BUYER BUYER 2. Termite (Wood Infestation) Inspection (negotiable except on VA) SELLER 3. Property Inspection (if requested by buyer) BUYER BUYER BUYER BUYER 4. Property Repairs, if any (negotiable) SELLER SELLER SELLER SELLER 5. New Loan Origination Fee (negotiable) BUYER BUYER BUYER 6. Discount Points (negotiable) BUYER BUYER BUYER 7. Credit Report BUYER BUYER BUYER 8. Appraisal or Extension Fee (negotiable) BUYER BUYER BUYER 9. Existing Loan Payoff SELLER SELLER SELLER SELLER 10. Existing Loan Payoff Demand SELLER SELLER SELLER SELLER 11. Loan Prepayment Penalty (if any) SELLER SELLER SELLER SELLER 12. Next Month’s PITI Payment BUYER BUYER BUYER 13. Prepaid Interest (approx. 30 days) BUYER BUYER BUYER 14. Reserve Account Balance (Credit seller / Charge buyer) PRORATE PRORATE PRORATE 15. FHA MIP, VA Funding Fee, PMI Premium BUYER BUYER BUYER 16. Assessments payoff or proration (sewer, paving, etc.) SELLER 17. Taxes PRORATE PRORATE PRORATE PRORATE 18. Tax Impounds BUYER BUYER BUYER 19. Tax Service Contract SELLER SELLER BUYER 20. Fire/Hazard Insurance BUYER BUYER BUYER BUYER 21 Flood Insurance BUYER BUYER BUYER 22. Homeowners Association (HOA) Transfer Fee BUYER or SELLER BUYER or SELLER BUYER or SELLER BUYER or SELLER 23. HOA/Disclosure Fee SELLER SELLER SELLER SELLER 24 Current HOA Payment PRORATE PRORATE PRORATE PRORATE 25. Next Month’s HOA Payment BUYER BUYER BUYER BUYER 26. Home Warranty Premium (negotiable) BUYER or SELLER BUYER or SELLER BUYER or SELLER BUYER or SELLER 27. REALTORS®’ Commissions SELLER SELLER SELLER SELLER 28. EAGLE Homeowners Title Policy SELLER SELLER SELLER SELLER 29. Lenders Title Policy and Endorsements BUYER BUYER BUYER 30. Escrow Fee (NOTE: Charge seller on VA Loan) SPLIT SPLIT SELLER SPLIT 31. Recording Fees (Flat rate) SPLIT SPLIT SPLIT SPLIT 32. Reconveyance/Satisfaction Fee SELLER SELLER SELLER SPLIT 33. Courier/Express Mail Fees SPLIT SPLIT SELLER SPLIT THIS CHART INDICATES WHO CUSTOMARILY PAYS WHAT COSTS Note: Prorated items will appear on Closing Statement as charges for one and credits for the other. Closing Costs: Who Pays What

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.

The Escrow Process

AZ Sellers Guide | 12

Conduct a title search to determine the ownership and title status of the real Reviewpropertythetitle commitment and begin the process of working with you and the title officer to eliminate the title exceptions the buyer and the buyer’s new lender are not willing to take subject to. This includes ordering a payoff demand from your existing lender.

Set separate appointments allowing the buyer and seller to sign documents and deposit funds

Coordinate with the buyer’s lender on the preparation of the Closing Disclosure (CD)

AZ Sellers Guide | 13

Professional

Open escrow and deposit good faith funds into an escrow account

Prorate fees, such as real property taxes, per the contract and prepare the settlement statement

Review documents and ensure all conditions are fulfilled and certain legal requirements are met Request funds from buyer and buyer’s new lender

Your Escrow May:

When all funds are deposited and conditions met, record documents with the County Recorder to transfer the real property to the buyer

After recording is confirmed, close escrow and disburse funds, including proceeds, loan payoffs, tax payments, and more Prepare and send final documents to all parties

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.

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

The Title Industry & Title Insurance in Brief

WHAT IS TITLE INSURANCE?

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?

Title Insurance

WHY IS TITLE INSURANCE NEEDED?

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.

AZ Sellers Guide | 14

Understandingrecords.

17

3

5

1

20

12

4

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 28 Compliance with Subdivision Map Act 29 Coverage for boundary wall or fence encroachment* 30 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 * Deductible and maximum limits apply. Not available to investors on 1- to 4-unit residential properties. Coverage may vary based on an individual policy.

AZ Sellers Guide | 15 Compare First American’s Eagle Policy® for Owners EAGLE StandardALTAorCLTA

19

16

2

11

6

Forgery, fraud, duress in the chain of title Defective recording of any document There are restrictive covenants There is a lien on your title because there is: a) a deed of trust b) a judgement, tax, or special assessment c) a charge by a homeowner’s association Title is unmarketable 8 Mechanics lien 9 Forced removal of a structure because it: 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 Unrecorded lien by a homeowners association Unrecorded easements Building permit violations* Restrictive covenant violations Post-policy forgery Post-policy encroachment Post-policy damage from extraction of minerals or water Lack of vehicular and pedestrian access Map not consistent with legal description Post-policy adverse possession First American’s Eagle Policy® for Owners EAGLE StandardALTAorCLTA 21

14

15

As with any insurance contract, the insuring provisions express the coverage afforded by the title insurance policy and there are exceptions, exclusions and conditions to coverage that limit or narrow the coverage afforded by the policy. Also, some cov erage may not be available in a particular area or transaction due to legal, regulatory, or underwriting considerations. Please contact a First American representative for further information. The services described above are typical basic services. The services provided to you may be different due to the specifics of your transaction or the location of the real property involved.

13

7

Protection from: Someone else owns an interest in your title A document is not properly signed

Compare

18

One escrow transaction could involve more than 20 individuals, including real estate agents, buyers, sellers, attorneys, escrow officer, escrow technician, title officer, loan officer, loan processor, loan underwriter, home inspector, termite inspector, insurance agent, home warranty representative, contractor, roofer, plumber, pool service, and so on. And often, one transaction depends on another.

Consider This

When you consider the number of people involved, you can imagine the opportunities for delays and mishaps. Your experienced escrow team can’t prevent unforeseen problems from arising; however, they can help smooth out the process.

AZ Sellers Guide | 16

You will need valid identification with your photo I.D. on it when you sign documents that need to be notarized (such as a deed). A driver's license is preferred. You will also be asked to provide your social security number for tax reporting purposes, and a forwarding address.

The escrow holder will contact you or your agent to schedule a closing or signing appointment. In some states, this is the "close of escrow." In some others, the close of escrow is either the day the documents record or that funds are disbursed. Ask your escrow holder if you would like clarification about your state's laws.

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

You 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.

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.

The escrow holder is obligated by law to have the designated amount of money before releasing any funds. If you have questions or foresee a problem, let your escrow holder know immediately.

THE CLOSING OR SIGNING APPOINTMENT

Closing Your Escrow

THE CLOSING DISCLOSURE

WHAT HAPPENS NEXT?

AZ Sellers Guide | 17

DON'T FORGET YOUR IDENTIFICATION

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.

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.

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."

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

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

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

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.

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

Service automobiles If automobiles will be driven long distances, you’ll want to have them serviced for a trouble-free drive.

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.

MOVINGReviewDAY:thehouse. 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.

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.

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.

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. Discard unnecessary items Moving is a great time for ridding yourself of unnecessary items. Have a yard sale or donate unnecessary items to charity.

Packing materials. Gather moving boxes and packing materials for 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.

Start packing. Begin packing for your new location.

AZ Sellers Guide | 18

Cancel services. Notify any remaining service providers (newspapers, lawn services, etc) of your move.

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.

Planning your move

AZ Sellers Guide | 19 Your Notes:

AZ Sellers Guide | 20 Your Notes:

AZ Sellers Guide | 21 Your Notes:

13940623.299.3644W.Meeker

Mountain Dr., #128 Anthem, AZ 85086 NE corner Daisy Mtn Dr/ Gavilan Peak Pkwy 6 BILTMORE 3200602.954.3644ECamelback Rd., #123 Phoenix, AZ 85018 NE Corner of Camelback/32nd Street 7 DESERT RIDGE 480.515 4369 20860 N. Tatum Blvd , #100 Phoenix, AZ 85050 NW corner of Tatum/Loop 101 8 CAREFREE 7202480.575.6609E.Carefree Dr , Bldg 1, #1 Carefree, AZ 85377 NE corner of Tom Darlington/ Carefree Dr. 9 KIERLAND COMMONS 14648480.948.6488NScottsdale Rd., Ste. #100 Scottsdale, AZ 85254 W of Scottsdale Road, S side of Greenway 10 SCOTTSDALE FORUM 6263480.551.0480N.Scottsdale Rd., #110 Scottsdale, AZ 85250 E Side Scottsdale/S of Lincoln 11 DC CROSSING 18291480.563.9034N.Pima Rd , #145 Scottsdale, AZ 85255 SE corner of Pima/Legacy 12 AHWATUKEE 4435480.753.4424E.Chandler Blvd , #100 Phoenix, AZ 85048 SW corner Chandler/45th St. 13 CHANDLER PORTICO 2121480.777.0051W.Chandler Blvd., #215 Chandler, AZ 85224 SW Corner Chandler Blvd./ Dobson Rd. 14 GILBERT SAN TAN 1528480.777.0614E.Williams Field Rd., #101 Gilbert, AZ 85295 NW corner of Williams Field Rd./ Val Vista Rd. 15 MESA 1630480.401.3738S.Stapley Dr., #123 Mesa, AZ 85204 N of Baseline / W of Stapley 16 RED MOUNTAIN 1135480.534.3599N.Recker Rd , #103 Mesa, AZ 85205 SE corner of Recker & Brown 17 GOLD CANYON 6877480.288.0883SouthKings Ranch Rd., #5 Gold Canyon, AZ 85118 E of South60/Side Kings Ranch Rd.

AZ Sellers Guide | 22

1 4 3 2 6 12 10 5 8 7 11 9 CRISMON BUTTESIGNAL GOLDFIELD OLDWESTHWY SKINGSRANCH 14 17 15 13 16 ArizonaCentral First American Title Branch Locator

3 ARROWHEAD 16165623.487.0404N.83rd Ave , #100 Peoria, AZ 85382 S of Bell/E side of 83rd Ave 4 THE LEGENDS 20241623.537.1608N.67th Ave , #A-2 Glendale, AZ 85308 E side 67th Ave/N of 101 5 ANTHEM 39508623.551.3265N.Daisy

1626623.936.8001N.Litchfield

1 SUN CITY WES T Blvd., #119 Sun City West, AZ 85375 N of Meeker Blvd W of R.H. Johnson 2 GOODYEAR Rd. Ste. #170 Goodyear, AZ 85395 NW corner of McDowell & Litchfield

EDeepWellRanchRd SNghtSkySt SBradyPumpRdE

BIA-35 dRhRiGWarcaanc E Dese H s Rd WRagged Top Rd W Pima Mine Rd WSilverbellRdS E Edw n Rd BIA34 SGuildRd 80 NKINNEYRD SPICACHOHWYE GREENE RESERVOIR RD SSUNLANDGINRD W BATTAGLIA DR AZ-84 E BAUMGARTNER RD SSUNSHINEBLVD SNANDARORDNANWAYRD E HARMON RD W VALENCIA RD E RODEO RD W MOORE RD W INA RD ESN1TAV E SUNRISE DR E SNYDER RDNSILVERBELLRD TRSNOLDIERLE RIVER RDE PRINCE RD E SPEEDWAY BLVD SFREEMANRDE 22ND ST E 22ND ST W IRV NGTON RD SNOGALESHWY W VALENC A RDSMISSIONRDWSPEEDWAY BLVD SOLDSPANISHTRL W NARANJA DR W TW N PEAKS RD W P CTURE ROCKS RD W MANVILLE RD SKINNEYRD W MILE WIDE RD W HARMON RD W MCCARTNEY RD NTRICORD OSSANDARIRD PARK LINK DR GUOSHHTONRD E MART N RD STHORNTONRD SCHUICHURD WAJOHWY RNASNWD RDKOLBS SHOUGHTONRD W TANGER NE RD E GRANT RD SHOUGHTONRD NPNALAVE 95 WAJOHWY E VALENCIA RD NORACLERD I10 I-19 I-8 77 77 79 77 77 87 86 86 387 287 86 10 19 8 10 10 10 La Palma Chuichu Arizona City AdobesCasas Catalina OracleDudleyvilleGrandeCasa Picture Rocks Three Points VailSummit TanqueVerde Eloy Tucson Cactus Forest Picacho Red Rock Saddlebrooke Marana Oro Valley HaivanaNakya Rillito SummerhavenWillow Canyon Randolph Toltec Oracle Junction Cortaro Schuchk Littletown 2 4 3 5 6 7 10 11 12 13 15 14 8 1 AIRPORTINT'LTUCSON Air Force WSilverbellRd SSantaRitaRd NMtLemmon Hwy ESas W Avra Valley Rd E G and Va ey DNAguirreRd dRkLNucet dRWNentzNWatermanMountanRd RdAnwayN W El Tiro Rd NTricoRd W Tucke Rd W Rudas Rd W Manv e Rd SSanJoaquinRdWBopp Rd W Snyder H RddRSMarstear W Park Rd W Hermans RdW He mans Rd W Guy St W Bush Rd SGaveyRd eaCNRinconado SWlmotRd SShawRd SSierritaMountainRd SKobRdW TwinButtes Rd W Mcgee Ranch Rd ESs BNearCanyonRdW E Cam no De Cerro E Fairmount St SSwanRd NFrontageRd W Emigh Rd W Fort Lowel Rd dSPNumpationR NTricoRd SOwGas NTrcoRd W Baya d Rd dRSSandaro N Dove Mountain Blvd SHelvetiaRd WAnamax M ne Rd dRhRiGWarcaanc Road424 ed Top Rd W Ruby S ar D WBritten RanchRd W Pima Mine Rd S Mcgee RanchRd E Edw n Rd 80 NKINNEYRDSNANDARORDNANWAYRD W VALENC A RD W MOORE RD W INA RD ESN1TAV E SUNR SE DR E SNYDER RDNSILVERBELLRD TRSNOLDERLE RIVER RDE PRINCE RD E SPEEDWAY BLVD SFREEMANRDE 22ND ST E 22ND ST W IRV NGTON RD SNOGALESHWY W VALENCIA RDSMISSIONRDWSPEEDWAY BLVD SOLDSPANISHTRL W NARANJA DR W TW N PEAKS RD W P CTURE ROCKS RD W MANVILLE RD SKINNEYRD W MILE WIDE RD E SAHUARITA RD NTRICORD OSSANDARRD SOLDNOGALESHWY GUOSHHTONRD ADCSLAANADRW HELMET PEAK RD WAJOHWY RNASNWD RDKOLBS SHOUGHTONRD W TANGERINE RD E GRANT RD SHOUGHTONRD 95 WAJOHWY E VALENCIA RD NORACLERD I-10 I-19 77 77 86 86 286 19 10 10 Corona de Tucson AdobesCasas Catalina Green Valley Picture Rocks Three Points VailSummit TanqueVerde SahuaritaTucson Saddlebrooke Marana Oro Valley Rillito SummerhavenWillow Canyon Cortaro Continental Littletown 2 3 5 6 7910 11 12 13 15 14 8 1 AZ Sellers Guide | 23

NTrcoRd W

d Rd dRSSandaro WillowSpringsRd EHelmwheel

PSecanRd I

Con nenta Ave BIA 30 NTricoRd SSunandGinRd

AIRPORTINT'LTUCSON Air Force WSilverbellRd SSantaRitaRd NMtLemmon Hwy ESascoRd NF-38 W Avra Valley Rd E G and Va ey DrNAguirreRd dRkLNucett dRWNentzNWatermanMountainRd RdAnwayN W El Tiro Rd NTricoRd W Tucke Rd W Rudasi Rd W Manv l e Rd SSanJoaquinRdWBopp Rd W Snyder H RddRllSMarstear W Park Rd W Hermans RdW He mans Rd W Guy St W Bush Rd SGarveyRd eaCNRinconado SWmotRd SShawRd SSierritaMountainRd SKolbRdW Tw nButtes Rd W Mcgee Ranch Rd ESstanciaDr E Hemlock Dr BNearCanyonRdW E Cam no De Cerro E Fairmount St SSwanRd NFrontageRd W Emigh Rd W Fort Lowe Rd dSPNumptationR Cont nental Ave NTricoRd SCattle SOwlHeadRanchRdGasLineRd NTrcoRd W Bayard Rd dRSSandario N Dove Mountain Blvd SHelvetiaRd WAnamax Mine Rd dRhRiGWarcaanc Road424 WRagged Top Rd W Ruby S a Dr WBritten RanchRd W Pima Mine Rd ellRdS S Mcgee RanchRd E Edw n Rd SGu 80 NKINNEYRDSNANDARIORDNANWAYRD W VALENCIA RD W MOORE RD W INA RD ESN1TAV E SUNRISE DR E SNYDER RDNSILVERBELLRD TRSNOLDIERLE RIVER RDE PRINCE RD E SPEEDWAY BLVD SFREEMANRDE 22ND ST E 22ND ST W IRVINGTON RD SNOGALESHWY W VALENCIA RDSMISSIONRDWSPEEDWAY BLVD SOLDSPANISHTRL W NARANJA DR W TWIN PEAKS RD W PICTURE ROCKS RD W MANVILLE RD SKINNEYRD W MILE WIDE RD E SAHUARITA RD NTRICORD OSSANDARIRD SOLDNOGALESHWY GUOSHHTONRD ADCSLAANADRW HELMET PEAK RD WAJOHWY RNASNWD RDKOLBS SHOUGHTONRD W TANGERINE RD E GRANT RD SHOUGHTONRD 95 WAJOHWY E VALENCIA RD NORACLERD I-10 I-19 77 77 86 86 286 19 10 10 Corona de Tucson AdobesCasas Catalina Green Valley Picture Rocks Three Points VailSummit TanqueVerde SahuaritaTucson Red Rock Saddlebrooke Marana Oro Valley Rillito SummerhavenWillow Canyon Oracle Junction Cortaro Continental Littletown 2 3 5 6 7910 11 12 13 15 14 8 1 SouthernArizona First American Title Branch Locator AIRPORTINT'LTUCSON Air Force FreemanRd WSilverbellRd NMtLemmon Hwy ESascoRd NF38 W Avra Val ey Rd WSCurryRdHanna Rd E Grand Va ey D W Houser Rd W Ph ps Rd E Co nman Rd NAguirreRd dRkLNucet dRWNenzNWatermanMountainRd RdAnwayN W El Tiro Rd NTricoRd W Tucke Rd W Rudas Rd W Manv e Rd SSanJoaquinRdWBopp Rd W Snyde H RddRSMarstear W Pa k Rd W He mans RdW Hermans Rd W Guy St W Bush Rd dRearvy eaCNRinco SWmoRd ShawRd SSierrita W Woodru Rd ONverfedRd W Rando ph Rd W BartlettNRdLaPamaRdNTweedyRd E Randolph Rd W Kleck Rd E K eck Rd W Se ma Hwy STrekellRd SHennessRd E Selma Hwy W Co nman Rd W Pretzer

Rd E

1 MAIN OFFICE 520.885.1600 | Fax 520.885.2309 6390 E. Tanque Verde Rd. Tucson, AZ 85715 2 BROADWAY 520.747.1644 | Fax 520.747.1403 3777 E. Broadway Blvd., Ste. 220 Tucson, AZ 85716 3 CAMBRIC 520.577.8707 | Fax 520.529.5034 1840 E. River Rd., Ste. 200 Tucson, AZ 85718 4 CASA GRANDE 520.426.4600 | Fax 520.426.4699 421 E. Cottonwood Ln Casa Grande, AZ 85122 5 CASAS ADOBES 520.575.1900 | Fax 520.432.0168 6760 N. Oracle Rd., Ste. 100B Tucson, AZ 85704 6 CENTRAL 520.319.9207 | Fax 520.319.1468 3777 E. Broadway Blvd., Ste. 102 Tucson, AZ 85716 7 DOWNTOWN 520.740.0424 | Fax 520.740.0436 1 S. Church Ave., Ste. 1610 Tucson, AZ 85701 8 FOOTHILLS 520.299.4606 | Fax 520.577.6993 4051 E Sunrise Dr., Ste. 155 Tucson, AZ 85718 9 GREEN VALLEY 520.625.1095 | Fax 520.958.9663 190 W. Continental Rd., Ste. 226 Green Valley, AZ 85622 10 ORO CANADAVALLEY/LA 520.877.9200 | Fax 520.202.6348 11165 N. La Canada Dr., Ste. 143 Oro Valley, AZ 85737 11 ORO VALLEY/ORACLE 520.229.9194 | 520.297.2576 Fax 520.229.9210 | 520.742.5866 8500 N. Oracle Rd., Ste 100 Oro Valley, AZ 85704 12 RITA ROAD 520.618.7790 | Fax 520.901.1720 10222 East Rita Rd., Ste. 190 Tucson, AZ 85747 RIVER 520.529.1944 | Fax 520.615.2945 1650 E. River Rd., Ste. 105 Tucson, AZ 85718 SKYLINE 520.529.0506 | Fax 520.529.8998 2890 E. Skyline Dr., Ste. 200 Tucson, AZ 85718 TANQUE VERDE 520.202.2626 | Fax 520.495.6151 7479 E. Tanque Verde Tucson, AZ 85715 Rd SLambRd SLaPalmaRd E M gan Rd E M gan Rd W A es Dr E Curtis Rd ESstancaDr EDesertDove HearthRd E Hemlock Dr BNearCanyonRdW E Cam no De Cerro E Fairmount St SSwanRd NFrontageRd W Emigh Rd GoffRanchRd NBarkervilleRd W Fort Lowe Rd dSPNumptationR E Nona Rd Ch efButteRd LovettaRd E Hanna Rd TecoloteRanchRd FlorenceRdRomeroRd SCattleTankRd s Hotts Rd Nutt Rd Evalyn Rd SOwlHeadRanchRdGasLineRd on Va ey Rd Houser Rd Baya Ranch Blvd

E E

Rd N Dove Mounta n

13

14

Rd E Ar ca Rd W Ea ey

E

15

05110281121

For more information please contact your First American representative. www.firstam.com

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.

Turn static files into dynamic content formats.

Create a flipbook