726 S Bean Ave

726 S. Bean Ave. Tucson, AZ 85701-2825

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 x 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 x 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 x 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. x 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.

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Disclaimer: 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. Estimated property values are: (i) based on available data; (ii) are not guaranteed or warranted; (iii) do not constitute an appraisal; and (iv) should not be relied upon in lieu of an appraisal. 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 the issuing party's prior written consent. The issuing party 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 the issuing party'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 the issuing party would not have issued this report but for the limitation of liability described above. The issuing party makes no representation or warranty as to the legality or propriety of recipient's use of the information herein.

School information is copyrighted and provided by GreatSchools.org.

Sc oo s For detailed information and statistics on Arizona schools please go to azreportcards.azed.gov/

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

First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates. ©2021 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF | 05117910820

PIMA COUNTY School District Information

S

W TWIN PEAKS RD

Casas Adobes 10

S

EL

RD

C LE

16 ISE DR E SUNR

E PRINCE RD

LR

K

D

IN N EY R D

E GRANT RD 01

Tucson

S Wilmot Rd

S NOGALES HW

80

I-19

Y

RD

SM ISS ION M

ch Rd

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

A CANADA DR

S Garvey Rd

W HELMET PEAK RD

W Ruby Star Dr

286

30

W Pima Mine Rd

E SAHUARITA RD

Corona de Tucson

Sahuarita S

Sa nta

20

Vail

N Calle Rinconado

S Sierrita Mountain Rd

39

10

Summit

S HOUGHTON RD S HOUGHTON RD

19

51

Littletown

E VALENCIA RD TUCSON INT'L AIRPORT

ard Rd

S Shaw Rd

W VALENCIA RD

S H OUGHTON RD

W VALENCIA RD W Hermans Rd

WB

Tanque Verde

S Kolb Rd

W Park Rd

Air Force

12

S KOLB RD

HWY AJO W IRVINGTO N RD

W Guy St

h Rd

13RD E SNYDER

E 22ND ST

S Swan Rd

W

E 22ND ST

95

W

NN EY RD

H WY

Three Points

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

S Sandario Rd

Y

HW

S SANDARIO RD

S Marstellar Rd

h Rd W Gar c ia Ranc

W

86

AJO

E R RD

E S01 PEEDWAY BLVD

S

KI

S

W Hermans Rd

E RIV

E Fairmount St

Sa

86

H wy

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

B ER ILV

77

08

W SPEEDWAY BLVD

15

on

Willow Canyon

N Bea r Canyon Rd

N

o W El Camino Del C err

N

N SANDARIO RD

R O C K S RD W INA RD

W Rudasill Rd

W MILE WIDE RD

A OR

N SWAN RD

Picture Rocks

W Fort L o ell Rd w

Summerhaven

Cortaro 11

W Emigh Rd

W PICTURE

N Trico Rd

Oro Valley

N

N Luckett Rd

N Wentz R d

N Trico Rd

N TRICO RD

N Anway Rd

N Pump Station Rd

Fro nta

N 1ST AVE

N ANWAY RD

M ou aterm an

W MOORE RD W TANGERI NE RD W NARANJA DR

m

NW

77

a in Bl

Le m

N

Rillito

W MANVILLE RD

W Manville Rd

This map is provided for general location only.

Please contact school districts for actual street boundaries

Rd ge

W Tucker Rd

N Dove Mount

10

Marana

N Trico Rd

ey Rd

Catalina

06

N Mt

W El Tiro Rd

E Edwin Rd

E Grand Valley Dr

vd

d

d

ntain Rd

irre Rd

ell R

O

G

SE

I-10

N Agu

Rita R

SCHOOL DISTRICTS 15

AJO UNIFIED

51

ALTAR VALLEY ELEMENTARY

10

AMPHITHEATER UNIFIED

16

CATALINA FOOTHILS UNIFIED

39

CONTINENTAL ELEMENTARY

08

111 N. Well Road, Ajo, AZ 85321

520.387.5618

10105 S. Sasabe Road, Tucson, AZ 85736

520.822.1484

701 W. Wetmore, Tucson, AZ 85705

520.696.5000

2101 E. River Road, Tucson, AZ 85718

520.209.7500

1991 E. Whitehouse Canyon, Green Valley, AZ 85614

520.625.4581

FLOWING WELLS UNIFIED

1556 W. Prince Road, Tucson, AZ 85705

520.696.8800

06

MARANA UNIFIED

11279 W. Grier Road, Marana, AZ 85653

520.682.3243

11

PIMA COUNTY JTED

2855 W. Master Pieces Dr, Tucson, AZ 85741

520.352.5833

30

SAHUARITA UNIFIED

350 W. Sahuarita Road, Sahuarita, AZ 85629

520.625.3502

12

SUNNYSIDE UNIFIED

2238 E. Ginter Road, Tucson, AZ 85706

520.545.2000

13

TANQUE VERDE UNIFIED

2300 N. Tanque Verde Loop, Tucson, AZ 85749

520.749.5751

01

TUCSON UNIFIED

1010 E. 10th Street, Tucson, AZ 85717

520.225.6000

20

VAIL UNIFIED

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

520.879.2000

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

First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

05249570321

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

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Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 12/30/2021 © 2021 CoreLogic. All rights reserved

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 12/30/2021 © 2021 CoreLogic. All rights reserved

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 12/30/2021 © 2021 CoreLogic. All rights reserved

Customer Name : Julie McDevitt Customer Company Name : First American Title Insurance Company Prepared On : 12/30/2021 © 2021 CoreLogic. All rights reserved

+ FIRST AMERICAN TITLE, FC0, JMCD 12/30/2021 11:45AM QD1B

PIMA, AZ

INVESTIGATIVE SEARCH RESULTS

PAGE 1 OF 1

SEARCH PARAMETERS PARCEL: PARCEL:

117-07-261B 117-07-261B

OWNER:

KASSEL BRIAN

AFFIDAVIT

SITUS:

726 S BEAN AV TUC

MAIL:

2949 N FLANWILL BLVD

INSTRUMENT

REC DATE

2017 1020349

04/12/2017

TUCSON AZ 85716 PLAT: LEGAL:

LOT

00009

BLOCK

125

TUCSON E109' LOT 9 BLK 125

CURRENT TAXES

INFORMATION THROUGH 11/28/2021

LAND

IMPR

EXEMPT

RATE

AREA

PRIMARY

9,738

0

0

11.6619

0150

SECONDARY

12,000

0

0

SPECIAL DISTRICTS

2.8778

2021 TOTAL TAX BILLED

1,415.88

2021

TAX AMT

TAX DUE

INTEREST

FIRST HALF

707.94

707.94

18.88

726.82

SECOND HALF

707.94

707.94

0.00

707.94

TOTAL CURRENT TAXES DUE 12/21

1,434.76

01/22

1,444.20

DATE PAID

TOTAL DUE

(ESTIMATED)

IMPROVEMENTS BLDG SQFT

0

FULL CASH VALUE

YEAR BUILT

0

LAND USE

NUMBER OF STORIES

00 11

LOT SIZE

STORIES HEIGHT

0

80,000 5,341 SQ FT

SCHOOL DISTRICT

0150

EXTERIOR WALLS

LAND FULL CASH VALUE

80,000

GRADE MATERIALS

IMPR FULL CASH VALUE

0

SALES SALE DATE 04/12/2017

SALE AMOUNT 90,000

INSTRUMENT TYPE 2017 1020349 WD

ADDITIONAL PROPERTY INFORMATION STANDARD LAND USE:

RESIDENTIAL LOT

END SEARCH

SELLER NAME KAISER SOSE ENTERPRISES LL

VALIDITY

Page 1 of 2 12/30/2021 12:54 PM

Page 2 of 2 12/30/2021 12:54 PM

Home Seller’s Guide

to the Title & Escrow Process in Arizona

18 Planning Your Move

17 Closing Your Escrow

16 Consider This

14 Understanding Title Insurance

12 The Escrow Process

11 Closing Costs: Who Pays What

10 The Life of an Escrow

09 Terms You Should Know

07 Staging Your Home for Show

06 Preparing Your Home for Sale

05 Key Professionals

04 Benefits of Using a REALTOR®

03 Welcome

02 Quick Reference

Contents

Table of Phone

Company

New Agent

AT&T 1.800.222.0300 www.att.com

APS 602.371.7171 www.aps.com

Salt River Project 602.236.8888 www.srpnet.com CenturyLink 800.366.8201 www.centurylink.com Cox 602.277.1000 www.cox.com Direct TV 1.888.777.2454 www.directv.com

Verizon 1.877.300.4498 www.connecttoverizon.com Dish Network 1.800.823.4929 www.dishnetwork.com Southwest Gas 1.877.860.6020 www.swgas.com

Utilities and Services

Policy No.

Phone Policy No.

New Company

Home Warranty Company

Policy No.

Previous Agent

Previous Company

Phone

Fax

City/State/Zip

Insurance

Phone

Email

Escrow Assistant Address

Email

Escrow Officer

First American Title

Fax

Email

Assistant

Address

Email

Name

Real Estate Agent

City/State/Zip

Your New Address

Your Escrow Number

Quick Reference

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 Stability

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 Service

AZ Sellers Guide | 3

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 To Meet Your Needs

First American Title has a direct office or agent near you, offering convenient locations throughout Arizona. We also have an extensive network of offices and agents throughout the United States, and internationally.

Count On Us For Convenience

Welcome to the home-selling process. Throughout this process, you can count on First American Title to guide you smoothly through your transaction and provide expert answers to your questions. We are happy to serve you.

Count on First American Title

®

AZ Sellers Guide | 4

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!

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

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

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

› Maintains errors-and-omissions insurance.

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

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

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

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

› Is experienced in creating demand for homes and how to show them to advantage.

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

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

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

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

- concerned about having strangers walking through your home?

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

Are you...

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

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

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

- 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?

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

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

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

› Can advertise effectively for the best results.

› Knows how to price your home realistically, to give you the highest price possible within your time frame.

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

Do you...

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.

FOR SALE BY OWNER

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

A 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.

Benefits of using a Professional REALTOR

®

AZ Sellers Guide | 5

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

ESCROW OFFICER

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.

TITLE COMPANY

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)

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.

BUYER'S 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.

LISTING 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.®

REAL ESTATE AGENT

®

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.®

REALTOR

Key Professionals Involved in Your Transaction

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

home sell. Here are some tips to present your home

AZ Sellers Guide | 6

in a positive manner:

Inspect fences, gates and latches. Repair or replace as needed.

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.

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

Clean household appliances and make sure they work properly.

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

and walk through each room. Ask your REALTOR® for

advice; they know the marketplace and what helps a

Replace worn shower curtains.

Repair or replace loud ventilating fans.

Make sure toilet seats look new and are firmly attached.

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

Repair leaky faucets and caulking in bathtubs and showers.

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

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

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

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

Check stucco walls for cracks and discoloration.

when they approach your house for the first time

buyers. Try to imagine what potential buyers will see

First impressions have a major impact on potential

PREPARING YOUR HOME FOR SALE Ensure that all exterior lights are working.

Make sure the front steps are clear and hazard-free. Make sure the doorbell works properly and has a pleasant sound.

Repair or replace worn shutters and other exterior trim.

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

Paint or replace the mailbox, if needed.

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

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

Stash or throw out newspapers, magazines, junk mail.

Make beds with attractive spreads.

Check that sink and tub are scrubbed and unstained.

Hang clean attractive guest towels in the bathrooms.

Keep the garage door closed and the driveway clear. Park autos and campers away from your home during showings

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.

Clean trash cans and put them out of sight.

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

Close the windows to eliminate street noise.

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

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.

Let the light in. Raise shades, open blinds, pull back the curtains and turn on the lights.

Clear all clutter from counter tops.

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

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

Staging your home for Show

AZ Sellers Guide | 7

AZ Sellers Guide | 8

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

Deed of Trust

Occurs when the borrower becomes contractually obligated to the creditor on the loan, not, for example, when the borrower becomes contractually obligated to a seller on a real estate transaction. The point in time when a borrower becomes contractually obligated to the creditor on the loan depends on applicable State law. Consummation is not the same as close of escrow or settlement.

Consummation

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

Comparable Sales

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

Close of Escrow

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.

Closing Disclosure (CD)

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

Beneficiary

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

Annual Percentage Rate (APR)

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

Appraisal

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.

Legal Description

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.

Impounds

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.

Hazard Insurance

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

Endorsement

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

Easement

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

Earnest Money Deposit

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 Restrictions

Terms You Should Know

TILA-RESPA Integrated Disclosures

TRID

AZ Sellers Guide | 9

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

Settlement statement

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

Recording

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.”

Power of Attorney

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

PITI

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

Mortgage

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.

Loan Estimate (LE)

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.

Lien

AZ Sellers Guide | 10

Accepts Buyer’s offer to purchase.

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

Documents are recorded and the keys are delivered!

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

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

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

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.

Schedules inspections and evaluates findings.

Reviews title commitment/ preliminary report.

Completes and returns opening package from First American Title.

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

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

Chooses a Real Estate Agent

Chooses a Real Estate Agent

Documents are recorded and all proceeds from sale are received.

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

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

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

THE SELLER

THE BUYER

The Life Of An Escrow

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

Prepares recording instructions and submits docs for recording.

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

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

Reviews all documents, demands, and instructions and prepares settlement statements and any other required documents.

Coordinates with lender on the preparation of the CD.

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

Upon receipt of opening packages, orders demands for payoffs. Contacts buyer or seller when additional information is required for the title commitment/ preliminary report.

Reviews title commitment / preliminary report.

Requests necessary information from buyers and sellers via opening packages.

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

THE ESCROW OFFICER

Upon review of signed loan documents, authorizes loan funding.

Delivers loan documents to escrow.

Coordinates with Escrow Officer on the preparation of the Closing Disclosure, which is delivered to Buyer at least 3 days prior to loan consummation.

Underwriting reviews loan package for approval.

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

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

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

THE LENDER

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

Property Inspection (if requested by buyer)

Property Repairs, if any (negotiable)

New Loan Origination Fee (negotiable)

Discount Points (negotiable)

Credit Report

Appraisal or Extension Fee (negotiable)

Existing Loan Payoff

Existing Loan Payoff Demand

Loan Prepayment Penalty (if any)

Next Month’s PITI Payment

Prepaid Interest (approx. 30 days)

Reserve Account Balance (Credit seller / Charge buyer)

FHA MIP, VA Funding Fee, PMI Premium

Assessments payoff or proration (sewer, paving, etc.)

Taxes

Tax Impounds

Tax Service Contract

Fire/Hazard Insurance

Flood Insurance

Homeowners Association (HOA) Transfer Fee

HOA/Disclosure Fee

Current HOA Payment

Next Month’s HOA Payment

Home Warranty Premium (negotiable)

REALTORS®’ Commissions

EAGLE Homeowners Title Policy

Lenders Title Policy and Endorsements

Escrow Fee (NOTE: Charge seller on VA Loan)

Recording Fees (Flat rate)

Reconveyance/Satisfaction Fee

Courier/Express Mail Fees

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

12.

13.

14.

15.

16.

17.

18.

19.

20.

21.

22.

23.

24.

25.

26.

27.

28.

29.

30.

31.

32.

33.

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

Downpayment

1.

THIS CHART INDICATES WHO CUSTOMARILY PAYS WHAT COSTS

BUYER

BUYER BUYER PRORATE BUYER

BUYER BUYER PRORATE BUYER

SELLER SPLIT

SPLIT

BUYER

SELLER

SELLER

SELLER

SPLIT

SELLER

SELLER

SPLIT

BUYER or SELLER

BUYER or SELLER

SPLIT

BUYER

BUYER

BUYER

SPLIT

SELLER

PRORATE

PRORATE

SELLER

SELLER

SPLIT

SELLER

SELLER

BUYER or SELLER

BUYER

PRORATE

SELLER

SELLER

BUYER or SELLER

BUYER or SELLER

SELLER

BUYER BUYER

BUYER

BUYER SELLER

BUYER SELLER

BUYER

PRORATE

PRORATE

BUYER or SELLER

BUYER

PRORATE

SELLER

SELLER

SELLER

SELLER

SELLER

SELLER

SELLER

BUYER

BUYER

SELLER

BUYER

BUYER

SELLER

BUYER

BUYER

SELLER

BUYER

BUYER

BUYER SELLER

BUYER SELLER

SELLER BUYER

BUYER

BUYER

VA

SELLER

FHA

CASH

Closing Costs: Who Pays What

AZ Sellers Guide | 11

SPLIT

SPLIT

SPLIT

SPLIT

BUYER

SELLER

SELLER

BUYER or SELLER

BUYER

PRORATE

SELLER

BUYER or SELLER

BUYER

BUYER

BUYER

BUYER

PRORATE

BUYER

PRORATE

BUYER

BUYER

SELLER

SELLER

SELLER

BUYER

BUYER

BUYER

BUYER

SELLER

BUYER

BUYER

CONV

AZ Sellers Guide | 12

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.

HOW IS AN ESCROW OPENED?

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.

WHAT IS AN ESCROW?

The Escrow Process

Prepare and send final documents to all parties AZ Sellers Guide | 13

After recording is confirmed, close escrow and disburse funds, including proceeds, loan payoffs, tax payments, and more

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

Request funds from buyer and buyer’s new lender

Review documents and ensure all conditions are fulfilled and certain legal requirements are met

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

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

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

Review the title 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.

Conduct a title search to determine the ownership and title status of the real property

Open escrow and deposit good faith funds into an escrow account

Your Escrow Professional May:

AZ Sellers Guide | 14

Prior to the development of the title industry in the late 1800s, a home-buyer received a grantor’s warranty, attorney’s title opinion, or abstractor’s certificate as assurance of home ownership. The buyer relied on the financial integrity of the grantor, attorney, or abstractor for protection. Today, home-buyers look primarily to title insurance to provide this protection.

Title insurance companies are regulated by state statute. They are required to post financial guarantees to ensure that any claims will be paid in a timely fashion. They also must maintain their own “title plants” which house duplicates of recorded deeds, mortgages, plats, and other pertinent county property records.

The Title Industry & Title Insurance in Brief

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.

WHEN IS THE PREMIUM DUE?

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.

WHY IS TITLE INSUR ANCE NEEDED?

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.

WHAT IS TITLE INSUR ANCE?

Understanding Title Insurance

A document is not properly signed

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:

2

3

4

5

6

Mechanics lien

Forced removal of a structure because it:

8

9

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

10

11

12

13

14

15

16

17

18

19

20

c) violates an existing zoning law*

b) violates a restriction in Schedule B

a) extends on another property and/or easement

Title is unmarketable

7

c) a charge by a homeowner’s association

b) a judgement, tax, or special assessment

a) a deed of trust

Someone else owns an interest in your title

1

Protection from:

Compare First American’s Eagle Policy® for Owners EAGLE

ALTA Standard or CLTA

Coverage for boundary wall or fence encroachment*

29

Post-policy Living Trust coverage

33

EAGLE

ALTA Standard or CLTA

AZ Sellers Guide | 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 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.

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

Coverage may vary based on an individual policy.

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

Insurance coverage for a lifetime

32

31

Added ownership coverage leads to enhanced marketability

Compliance with Subdivision Map Act

28

30

Plain language statements of policy coverage and restrictions

Rights under unrecorded leases

Pays rent for substitute land or facilities

Other benefits:

Discriminatory covenants

Violation of building setback regulations

Covenant violation resulting in your title reverting to a previous owner

Post-policy prescriptive easement

27

26

25

24

23

22

21

Compare First American’s Eagle Policy® for Owners

AZ Sellers Guide | 16

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

Consider This 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.

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 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.

THE CLOSING OR SIGNING APPOINTMENT

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

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.

THE CLOSING DISCLOSURE

Closing Your Escrow

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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.

WHAT HAPPENS NEX T?

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.

DON'T FORGET YOUR IDENTIFICATION

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.

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

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

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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.

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.

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

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.

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

FOUR WEEKS BEFORE:

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

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.

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

Double check with your mover. Make sure your mover has the new address and your contact information should they have any questions during your move.

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.

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.

MOVING DAY:

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

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

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!

Start packing. Begin packing for your new location.

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

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

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.

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.

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

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.

ONE WEEK BEFORE:

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.

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.

Create an inventory sheet of items to move.

SIX WEEKS BEFORE:

Planning your move

Your Notes:

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Your Notes:

Your Notes:

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2

3

AZ Sellers Guide | 22

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

4 THE LEGENDS

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

3 ARROWHEAD

623.936.8001 1626 N. Litchfield Rd. Ste. #170 Goodyear, AZ 85395 NW corner of McDowell & Litchfield

2 GOODYEAR

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

1 SUN CITY WEST

1 4

6

12

7

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

8 CAREFREE

480.515.4369 20860 N. Tatum Blvd., #100 Phoenix, AZ 85050 NW corner of Tatum/Loop 101

7 DESERT RIDGE

602.954.3644 3200 E Camelback Rd., #123 Phoenix, AZ 85018 NE Corner of Camelback/32nd Street

6 BILTMORE

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

5 ANTHEM

5

13

11

15

14

16

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

12 AHWATUKEE

480.563.9034 18291 N. Pima Rd., #145 Scottsdale, AZ 85255 SE corner of Pima/Legacy

11 DC CROSSING

480.551.0480 6263 N. Scottsdale Rd., #110 Scottsdale, AZ 85250 E Side Scottsdale/S of Lincoln

10 SCOTTSDALE FORUM

480.948.6488 14648 N Scottsdale Rd., Ste. #100 Scottsdale, AZ 85254 W of Scottsdale Road, S side of Greenway

9 KIERLAND COMMONS

10

9

8

SIGNAL BUTTE

CRISMON

DW ES TH WY

17

S

KIN

GS

RA

NC

H

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

16 RED MOUNTAIN

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

15 MESA

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

17 GOLD CANYON

Central Arizona

First American Title Branch Locator

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

14 GILBERT SAN TAN

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

13 CHANDLER PORTICO

OL

GOLDFIELD

N PINAL AVE

8

I-8

Casa Grande

E4RODEO RD

10

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

4 CASA GRANDE

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

3 CAMBRIC

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

2 BROADWAY

dasill Rd

d

KI

Sa nta Rita Rd

Continental

S

11

520.299.4606 | Fax 520.577.6993 4051 E Sunrise Dr., Ste. 155 Tucson, AZ 85718

8 FOOTHILLS

520.740.0424 | Fax 520.740.0436 1 S. Church Ave., Ste. 1610 Tucson, AZ 85701

7 DOWNTOWN

13

14

A OR

8

E RIV

E R R1D

E SNYDER RD

10

Littletown 12

E 22ND ST

Tanque Verde

H wy

520.229.9194 | 520.297.2576 Fax 520.229.9210 | 520.742.5866 8500 N. Oracle Rd., Ste 100 Oro Valley, AZ 85704

11 ORO VALLEY/ORACLE

520.877.9200 | Fax 520.202.6348 11165 N. La Canada Dr., Ste. 143 Oro Valley, AZ 85737

10 ORO VALLEY/LA CANADA

520.625.1095 | Fax 520.958.9663 190 W. Continental Rd., Ste. 226 Green Valley, AZ 85622

9 GREEN VALLEY

TUCSON INT'L AIRPORT

E VALENCIA RD

Air Force

E 22ND ST

Tucson

E SPEEDWAY 6 BLVD

15

on

Willow Canyon

Summerhaven

E SUNRISE DR

E Fairmount St

2

E GRANT RD

7

520.319.9207 | Fax 520.319.1468 3777 E. Broadway Blvd., Ste. 102 Tucson, AZ 85716

6 CENTRAL

77

E PRINCE RD

77 3

520.575.1900 | Fax 520.432.0168 6760 N. Oracle Rd., Ste. 100B Tucson, AZ 85704

5 CASAS ADOBES

Green Valley

9

Sahuarita

Corona d

W VALENCIA RD

HWY AJO W IRVINGTO N RD

W VALENCIA RD

5

W SPEEDWAY BLVD

NN EY RD W

S

W Hermans Rd W HELMET PEAK RD E SAHUARITA RD

86

W Pima Mine Rd

ark Rd

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

Sa

N

Oro Valley

Casas Adobes

Cortaro

o W El Camino Del C err

IN N EY R D E Houser Rd

E Hanna Rd

E Cornman Rd

Rd W Ruby Star Dr uttes W Twi n B W An am a x Mine Rd d Mcgee R anch R

Eloy

Fro nta

RE R O C K S RD W INA RD La Palma

Rocks

Randolph

E Kleck Rd

N

W MOORE RD 10 W TANGERI NE RD W NARANJA DR

RD C LE

a in Bl

N Bea r Canyon Rd

N Dove Mount

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

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

-84

AZ

Toltec

Rillito

E Randolph Rd PEAKS RD

87

E Selma Hwy

287

E Arica Rd

W Hanna Rd

Arizona City

1 MAIN OFFICE

Chuichu

N Tweedy Rd

W Cornman Rd

W Selma Hwy

W Earley Rd

W Kleck Rd

W Randolph Rd

W BATTAGLIA DR

W Houser Rd

nness Rd

N Overfield Rd

W MCCARTNEY RD

D

N La Palma Rd

S La Palma Rd

E MARTIN RD

RD

SM ISS ION

W Bartlett Rd

Rd

ch

I-19 80

S CHUICHU RD S LA CANADA DR

W Woodruff Rd

S Brady Pump R

S

WY

S Trekell Rd S Wilmot Rd

387

K Y

S S OLD N OGALE SH

RD

95

S THORNTON RD

LL

S NOGALES HW

BE ER ILV Swan Rd

Rd ge

N SWAN RD

N

N 1ST AVE S HOUGHTON RD UGHTON RD

vd m

S KOLB RD

Le m N Mt

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

15 TANQUE VERDE

520.529.0506 | Fax 520.529.8998 2890 E. Skyline Dr., Ste. 200 Tucson, AZ 85718

14 SKYLINE

520.529.1944 | Fax 520.615.2945 1650 E. River Rd., Ste. 105 Tucson, AZ 85718

13 RIVER

520.618.7790 | Fax 520.901.1720 10222 East Rita Rd., Ste. 190 Tucson, AZ 85747

12 RITA ROAD

AZ Sellers Guide | 23

First American Title Branch Locator

Southern Arizona

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