KW BAE Buyer's Presentation - Nadia Kafaipour

YOUR GUIDE TO HOMEOWNERSHIP WITH

Nadia Kafaipour

Nadia Kafaipour is a highly respected agent with a reputation for excellence She is a dedicated real estate agent with over three decades of experience in sales and customer service. Nadia has been personally involved in numerous transactions and she offers a customized approach to each one of her clients to ensure a successful real estate experience

Nadia has lived in the Bay Area her entire life, giving her a deep knowledge of the diverse neighborhoods, schools, attractions, dining, and real estate market She speaks English and Farsi which enables her to communicate more effectively with clients from diverse backgrounds. Her goal is to educate and empower her clients so they maximize their investments in the competitive market I realize that you have many choices when selecting a real estate agent and I look forward to earning your trust, and business When you hire me, I will manage every step of your home sale or purchase Getting you to where you want to go is my priority, and by committing to that objective, it would be my honor to be part of the home-ownership journey with you

Nadia is active in her community working as a volunteer with Loving Beyond Breast Cancer organization where she offers skincare services at no charge to support and empower those affected by cancer Besides her volunteer work, and helping her clients in real estate, she is a mother of two and married to her loving husband since 1999 Her hobbies include spending time with family, cooking, gardening, hiking, dancing, and traveling

Buying a new home is an exciting event, whether it is your first home or your third. It can also be a stressful experience We have the knowledge, experience, and the tools to guide you in this process and make it enjoyable Homeownership is a decision to invest in a place you love It is important to work with a realtor who represents your best interest As your professional Realtor, I am dedicated to providing you with the highest level of service Once we join forces, I will give you my full commitment to your real estate goals. In addition, I will offer you the best technology to streamline the buying and selling process. It would be my privilege to meet you and assist in achieving your goals while establishing an enduring and positive relationship

A company culture that nurtures excellence Keller Williams Bay Area Estates

Keller Williams has consciously created a company culture that attracts, trains, and nurtures the best real estate agents in the world so they will be able to serve you better.

Our company culture has been studied in depth by Stanford University, and they found that: “Keller Williams is…a company with a unique economic and cultural model, embracing organizational concepts such as profit sharing, shared decision making, open books, and extensive employee training.”

In 2015, Training Magazine named Keller Williams the world’s #1 training organization across all industries.

Keller Williams is proud to be a client-focused organization that fosters integrity and teamwork, rewards innovation, and works to create win-win outcomes.

We are thrilled that you are considering Keller Williams to help you buy your biggest and most important asset, your new home.

What that means to you is that you will get a team of professionals who will help you reach your home-buying goals.

Why Nadia Kafaipour?

I will help you reach your goals

I am honored to be working with you! Buying a home is one of the biggest decisions you will make and I am going to be here with you every step of the way to make sure home buying experience is as easy and fun as it can be!

I will personally set up all showings. Review offers.

Handle negotiations.

Review contracts to ensure you are protected. Work with the seller’s agent to schedule inspections.

DRE# 02205762

Cell: 408-348-9145

Email: nadiakafaipour@kw.com

website: nadiakafaipour.kw.com

NadiaKafaipour

Meet with your Real Estate Agent! Discuss what you are looking for.

If you need financing get pre-approved by a lender or bank

SEARCH! Your agent will narrow down options for your reivew

Discuss Results, decide if any repairs are needed and if you want to move forward. APPRAISAL & TITLE SEARCH

The bank or lender orders the appraisal, title search and final financing is set.

TheInitialProcess

1. Consultation

This is where we discuss what type of home best suits your needs.

• How long have you been looking for a new home?

• What areas and neighborhoods are you considering?

• What is your Plan B, if you can't find the home you have in mind?

• What are some of your must haves?

• What are deal breaker items?

2. Pre-Approval

This is a quick necessary process the helps narrow down and determine how much you can afford!

Lenders typically recommend a home that costs no more than three to five times your annual household income, with a 20% down payment. However, there are MANY different finacing structures that they can make work for you!

Did you know? 88% of all Buyers work with Realtors!

HouseHunting

3. Finding "The One"

I will tailor listings based on your criteria I funnel all properties and pick the best to view, and will filter out the homes that will not work

Most buyers look at approximately 10 properties and are then ready to make an offer At that time, if you have not found a home you are looking for - it's HIGHLY recommended that we sit down and review your criteria to make sure that we are still looking for the right house!

Once you find one you love... it's time to determine the market value of that property. I will compare that home to others that have sold and from there we will determine the value for the home!

4. Making an Offer

Now is the exciting time! When you are ready to write an offer, I will walk you through the contract It is important to write a fair offer or you can run the risk of the seller not responding or even losing the property to another buyer making an offer

• Write the Offer

• Negotiate the Offer

• Satisfy Conditions

Inspectionsandmore

5. Home Inspections

The immediate step after your offer is accepted is to schedule a home inspection You will have a certain number of days to complete this inspection after the offer was accepted

6. Appraisal, Title Search & Lender Letter

Your home inspection report will verify that all items considered defective or problems relating to the safely of the home corrected prior to closing. The title is right to own, possess, use and control of a property. When purchasing a home you are buying a sellers title to the home. Before closing, a title search is done to ensure there are no leans, or problems that might prevent a clean title for you to close on the home.

An appraisal, is an estimate of the property value The approval is not only to justify the lender's investment, but to help keep the buyer from overpaying on a property Your lender will typically hire an appraiser and charge you the fee at closing

Final commitment lender's letter approves your home loan! You will receive a letter outlining loan terms to your mortgage agreement. Your final letter will include your annual percentage rate, monthly fees, and repayment info for the loan.

Closingtime

7. The Closing

The closing process finalizes your home purchase.

A FEW THINGS TO BRING

• A valid government issued photo ID

• Cashier's check payable for the total amount due

• Any outstanding documents for the title company or loan officer

CLOSING COSTS

Fees typically total 4% - 9% of the total purchase price and can include:

• Escrow Fees

• Recording fees

• Application and underwriting fees

• SIDs and/or LIDs

• Appraisal Fees

• Local Transfer Taxes

• Homeowners Insurance

• Homeowners Association Fees

Buyer Mistakes to Avoid

Avoid These Mistakes When buying Your Home

GETTING TOO EMOTIONAL

Think it's impossible? It's actually not. Once you decide to buy a home, start thinking of yourself as a businessperson and investor rather than just a future homeowner. In fact, forget that you're the "Buyer" altogether. By looking at the transaction from a purely financial perspective, you'll distance yourself from the emotional aspects of buying the property. While it is important to factor in certain emotional aspects, don't let it cloud your judgment. Real estate is an investment. Don't let emotions distract you from that.

HOME SHOPPING BEFORE GETTING PRE-APPROVED

It’s more fun to look at homes than it is to talk about your finances with a lender So that’s what a lot of first-time home buyers do: They visit properties before finding out how much they are able to borrow Then, they are disappointed when they discover they were looking in the wrong price range (either too high or too low) or when they find the right home, but aren’t able to make a serious offer. How to avoid this mistake: Talk to a mortgage specialist about getting prequalified or even pre-approved for a home loan before you start to seriously shop for a place. The pre-qualification or pre-approval process involves a review of your income and expenses, and it can make your bid more competitive because you’ll be able to show sellers that you can back up your offer.

EMPTYING YOUR SAVINGS

If you buy a previously owned home, it almost inevitably will need an unexpected repairs not long after. Maybe you’ll need to replace a water heater or pay a homeowner's insurance deductible after bad weather. How to avoid this mistake: Save enough money to make a down payment, pay for closing costs and moving expenses, and take care of repairs that may come up. Lenders will give you estimates of closing costs, and you should call a few moving companies for an estimate to get an idea of your moving expenses.

CHOOSING THE WRONG LENDER

Shopping for a mortgage is like shopping for a car or any other expensive item: It pays to compare offers. Mortgage interest rates vary from lender to lender, and so do fees such as closing costs and discount points. But according to the Consumer Financial Protection Bureau, almost half of borrowers don't shop for a loan. How to avoid this mistake: Apply with multiple mortgage lenders. A typical borrower could save $430 in interest just in the first year by comparing five lenders. All mortgage applications made within a 45-day window will count as just one credit inquiry.

The First Step: Financing Financing Tips

GET YOUR CREDIT IN CHECK

Make sure you’re financially prepared for homeownership Do you have a lot of debt? Plenty saved for a down payment? What about closing costs? Ask yourself “how much house can I afford?” before you go further Additionally, know that lenders look closely at your credit score when determining your eligibility for a mortgage loan Check your credit score and do anything you can to improve it, such as lowering outstanding debt, disputing any errors and holding off on applying for any other loans or credit cards

FIND THE RIGHT LENDER

Just like you want to get the home that best suits your needs, you’ll want to find a lender that best suits you We suggest you consider using a broker to help you find a lender, talk to your agent we are here to help, ask friends and family for referrals, and compare at least three lenders.

GET ORGANIZED

A lender will need information from you in order to get you pre-approved for a mortgage loan Here are few things to have ready for them:

W-2 forms from the past two years

Pay stubs from the past 30 days

Tax returns from the past two years

Proof of other sources of income

Recent bank statements

Details on long-term debts such as car or student loans

ID and Social Security number

*If you’re self-employed, you may have to provide proof of your financial stability, including reasonable credit score, profit & loss statement, Year-to-date revenue, and possibly providing business tax returns

IN A COMPETITIVE MARKET, SELLERS MAY ASK FOR PROOF OF PREAPPROVAL. THIS DOCUMENT CAN HELP STRENGTHEN YOUR OFFER! MAKE SURE TO GET A PRE-APPROVED LETTER FROM YOUR LENDER BEFORE WE START VIEWING HOMES.

Why To Get Pre-Approved?

The first step is to get pre-approved. This is different from pre-qualifying, as it is a full loan approval instead of simply an opinion letter. Having this information will help you search for the right price range in the homes.

In today’s market both buyers and sellers are concerned about financing. When there are multiple offers for homes, the buyers must put themselves in the best possible position to have their offers accepted.

Getting pre-approved puts the buyer into a better negotiating position, as the seller knows the buyer is ready, willing, and able to buy, and the financing is not in question.

Pre-Qualification vs. Pre-Approval

There is a difference

Pre-Qualification or Pre-Approval:

Knowing what loan amount you qualify for is an important first step before starting your home search. Understanding your budget and down payment options will help you quickly find and close your ideal home.

Pre-Approval:

This will give you the exact amount you qualify for and provides other advantages for making offers in a competitive market.

With a pre-approval, the lender looks at your financial picture, including two years of your W-2s, tax returns, a credit check, a debt/income ratio, and how much you have for a down- payment.

Pre-Qualification:

This gives you a general estimate of how much you can expect to borrow. It’s easy and can be done over the phone or online. You provide the mortgage company, or bank, with information (such as your income, debt, and employment information.) In return, you will be given a loan estimate.

Being a pre-approved buyer lets the seller know that you can buy now, giving you a distinct advantage when there are multiple offers on a home.

Not all loan packages are the same. Going through the pre-approval process is a winwin situation that helps the lender create a loan package that fits your needs.

Things to Avoid During the Loan Process

in Order to Avoid Slowing Down the Process

Buy or lease a new automobile or anything that will affect your debt to income ratio.

Run a credit report on yourself.

Consolidate your bills prior to meeting with your lender.

Make major purchases such as appliance or furnitures.

Move your financial assets around.

Pack or ship important loan document.

Change employment.

The Loan Process

A series of steps to reach the finish line

1. Pre-Approval: You will be asked to provide personal information such as your Social Security number, income, assets, debts, credit information, and the specifics on the type of property you wish to purchase.

2. Full Application: During the application process, the lender will update any information and documentation already submitted.

3. Processing: The processor will review and complete your mortgage package.

4. Loan Submission: Once the processor has completed the loan package, it's submitted to the underwriter for approval.

5. Loan Approval: All parties are notified of the approval, and loan documents are completed and sent to the title and escrow companies.

6. Title: The title company ensures the property title is clear and legitimate Once this process is complete, title insurance is issued for the property.

7. Funding: Once you have signed the loan documentation, your lender reviews the loan package, and upon approval, funds are wiretransferred to the title company.

8. Recordation: When the title company receives the funds, they are released to the seller, plus taxes and fees, and you are recorded as the owner of your new home.

Writing an Offer

What it takes to win

Here are some general guidelines for writing a strong offer:

1. Review the relevant sales and market conditions before making an offer. Factors to consider include the home's condition, time on the market, competition, and urgency of the seller.

2. Give yourself room to compete. Ideally, you will want to find homes below your maximum so you have room to negotiate on price.

3. While offering a price that is attractive to the seller is important, they will often consider other elements before acceptance. How much money you put down on the property, and any contingencies or financing terms, are just a few factors that may make the difference.

4. After your offer has been written, your agent will meet with the seller's agent to negotiate on your behalf The seller may accept, reject, or counter the offer.

5. You will be notified immediately of the outcome. Should the seller counter, your agent will work with you to review each specific request and move the contract forward to closure.

Know What You Are Buying

Your opportunity to find out exactly what you’re buying

Inspections are an important part of the buying process, and allow you to understand any issues fully or challenges with the property before closing the transaction.

If the seller has yet to provide an inspection ahead of time, you may decide to write your offer with an inspection contingency This is one of the more common contingencies that buyers use

A contingency means you will only go through with the purchase if certain conditions are met

Home inspections should only be done by a certified home inspector, and the buyer usually pays for them.

Often, a seller will have inspections completed before placing their home on the market to remove the "contingency" from the buyer's bid. Ultimately, it is the buyer's responsibility to assess the property's condition.

Pest Inspections

Pest inspections are also done by a licensed inspector who will look for wood-destroying organisms, including termites and fungi (“dry rot”). Pest reports classify conditions as Section 1 or Section 2 items.

As with the home inspection, the buyer pays for the pest inspection, however, the inspector is responsible for delivering an unbiased report, regardless of whether they favor the buyer or the seller

Section 1:

Conditions are demonstrating active infections or damaging the property. Active termites, beetles, or wood rot are examples of Section 1 items.

Section 2:

Conditions are not currently causing damage but are likely to if left unattended. A typical Section 2 item is a plumbing leak, where moisture has yet to cause fungus decay.

If damage is found in the property, such as a crack in the foundation or a roof that needs to be replaced, you may be able to negotiate with the seller on remediation options

The Escrow Process

Prepare and present your property

In a real estate transaction, escrow is an independent third party that holds important documents and funds. When opening escrow, the buyer and seller determine the terms and conditions for transferring property ownership via the purchase contract. Escrow ensures that all mutually agreed-upon terms and conditions are met before transferring ownership and distributing funds.

Escrow protects both you and the seller by managing the following tasks:

Holding buyer’s good-faith deposit (typically 3% of the purchase price)

Disclosing escrow and title fees to the buyer’s lender.

Calculating prorated taxes and HOA fees

Providing a title report and title insurance

Ensuring that state and local transaction laws and rules are followed

Obtaining all necessary and notarized signatures from all parties.

Ensuring the paperwork is legal and binding.

Recording the transfer documents and ensuring their accuracy.

Receiving the down payment from the buyer.

Receiving funds from the buyer’s lender

Paying liens, overdue tax, and HOA dues

Distributing proceeds to the seller.

Escrow FAQs

When do we need to open escrow?

We will open escrow for you after the contract has been signed by both you and the seller. After opening escrow, you have three days to wire your deposit into escrow.

What does an escrow officer do?

Your escrow officer will oversee all aspects of your real estate transaction, such as signing paperwork, completing a title search, and obtaining hazard and title insurance.

Why do properties fall out of escrow?

Often, there is a problem with the loan where the appraisal comes back lower than the offer price, or a structural problem is discovered during an inspection.

How long does escrow take?

The length of escrow is determined by the purchase agreement. Depending on the terms, it can last a few or even 90 days. A typical escrow in Bay Area is 21-30 days.

Who Pays What?

Buyer and seller fees

Many fees are negotiable; however, there are some fees that you and the seller must pay.

Buyer typically pays: Inspections

Their share of escrow fees from the title company

Loan fees required by your lender

Title insurance premium

Fire and hazard insurance premium

Seller typically pays:

Real Estate commissions

Any judgments or tax liens

Any unpaid homeowner’s dues

Transfer taxes

Delinquent property taxes

Their share of escrow fees from the title company

About Property Taxes

An Overview

How is real property assessed?

Real property is assessed upon change of ownership and, in certain circumstances, the construction of improvements. The new assessed value is equivalent to the purchase price and is subject to being increased by as much as 2% each year.

How are property taxes billed?

Property taxes are billed annually and paid in two equal installments. You can also have your taxes impounded monthly. An impound account is managed by your mortgage company. As the homeowner you pay for property taxes and insurance along with your mortgage payment. When your property taxes are due, the mortgage company sends the money to the tax collector or insurance company

When are property taxes due?

The fiscal year runs from July 1 thru June 30.

The first installment is due November 1 and it is late December 10. The second installment is due February 1 and it’s late April 10. You can remember these dates with this mnemonic device: No Darn Fooling Around = November it’s due, December it’s late. February it’s due, April it’s late.

When do I start paying my property taxes?

After change of ownership, a supplemental tax bill may be issued to collect taxes owing for the current tax year based on the difference between the previous and the new assessed values of the real property. The seller is responsible for the payment of taxes due prior to close of escrow, and the buyer is responsible for the payment of taxes due after close of escrow, including any supplemental tax bill.

How is the base property tax rate set?

Under Proposition 13, passed by California voters in 1976, the base property tax rate is set at 1% of the full cash (or assessed) value of real property

What are Mello-Roos?

Real property can be subject to continuing tax levies under the Mello-Roos Act. Such levies are used to finance certain designated public services and capital facilities. Among the services and facilities typically financed through “Mello-Roos districts” are police and fire protection services, ambulance and paramedic services, parks, elementary and secondary schools, libraries, museums, and cultural facilities.

MARK YOUR CALENDARS! California Property Taxes: Due Dates

FEBRUARY 1st - 2nd Installment Due

MARCH 1st - Assessment Date

APRIL 10th - 2nd Installment Delinquent at 5pm

JULY 1st - Beginning of Fiscal Year

NOVEMBER 1st - 1st Installment Due

DECEMBER 10th - 1st Installment Delinquent at 5pm

Common Forms of Ownership

Titles matter

How you hold a title has important tax and inheritance implications If you are still determining which is the best for you, please consult your Attorney, CPA, or Financial Planner

The comparison chart below is provided for information only.

Tenancy In Common

It should not be used to determine how you hold a title. We strongly recommend seeking professional counsel to determine the legal and tax consequences of how the title is vested.

Any number of persons (can be husband and wife)

Ownership can be divided into any number of interests equal or unequal

Each co-owner has a separate legal title to his/her undivided interest

Equal right of possession

Each co-owner’s interest may be conveyed separately by its owner

Purchaser will become a tenant in common with other co-owners in the property as to the purchaser’s interest

Other owners may remain joint tenants

On co-owner’s death his/her interest ends and cannot be disposed of by will Survivor owns the property by survivorship

Purchaser will become a tenant in common with other co-owners in the property

Tenancy In Partnership Only partners (any number)

Ownership interest is in relation to interest in partnership

Title is in the “partnership”

Equal right of possession but only for partnership purposes

Purchaser acquires interest that partnership owned Purchaser acquires interest that

Co-owner’s interest may be sold on execution sale to satisfy creditor Joint tenancy is broken, creditor becomes a tenant in common

Must be expressly stated

On co-owner’s death

his/her interest passes by will to devisee or heirs No survivorship right

Devisee or heirs become tenants in common

Co-owner’s interest may be sold on execution sale to satisfy his/her creditor Creditor becomes a tenant in common

Heirs or devisee have rights in partnership interest but not specific property

Partner’s interest cannot be seized or sold separately by his/her personal creditor but his/her share of profits may be obtained by a personal creditor Whole property may be sold on execution sale to satisfy partnership creditor

Creditor may seek an order

Favored in doubtful cases except husband and wife cases

Arise only by virtue of partnership status in property placed in partnership

A trust is expressly

Frequently Asked Questions

Answered

How will you tell me about the newest homes available?

The Multiple Listing Service Website provides up-todate information for nearly every home on the market

I constantly check the New on Market list and will send you the latest listings via email at a frequency that’s most helpful for you, daily or in real time

Will you inform me of homes from all Bay Area Estates real estate companies or only Keller Williams Realty?

I will keep you informed of all homes that come available, including off-market deals, to help you find your ideal home.

Can you help me find new construction homes?

Yes, I have access to all the new construction opportunities in the city and can get you the information you need to make a decision I will accompany you on your first visit with the builder. By using my services with a new construction home purchase, you will receive the services I offer, as well as those provided by the builder, at no additional cost.

How does For Sale By Owner (FSBO) work?

Homeowners trying to sell their home without agent representation are usually doing so in the hopes of saving the commission If you see a FSBO and want the advantages of my services, let me contact the owner for you and make an appointment Often, the homeowner will work with an agent, even though their home is not listed since the agent is introducing a potential buyer to their property While you may get a deal buying directly from the seller, if they are not a licensed agent, it may be a challenging experience

Can we go back through our property again once an offer is made but before possession?

You should complete all of your inspections and walk-throughs before removing any contingencies. If you need to see the property again for any reason, we can make a special request to the seller for access. They often allow it, but they are not required to do so. Just prior to closing, we will schedule a final walk-through and inspection of your new home.

What happens after close of escrow?

You can celebrate and shift your focus to moving into your new home. You will want to schedule your move, pack items and notify businesses of your address change. I can provide you with a moving checklist to help you remember all the details.

Real Estate Terms

Buyers Need to Know

APPRAISAL

A DETERMINATION OF THE VALUE OF SOMETHING, IN THIS CASE, THE HOUSE YOU PLAN TO BUY A PROFESSIONAL APPRAISER MAKES AN ESTIMATE BY EXAMINING THE PROPERTY, LOOKING AT THE INITIAL PURCHASE PRICE, AND COMPARING IT WITH RECENT SALES OF SIMILAR PROPERTIES

MLS

A COMPUTER-BASED SERVICE, COMMONLY REFERRED TO AS MLS, THAT PROVIDES REAL ESTATE PROFESSIONALS WITH DETAILED LISTINGS OF MOST HOMES CURRENTLY ON THE MARKET. THE PUBLIC CAN NOW ACCESS MUCH OF THIS KIND OF INFORMATION THROUGH WEBSITES LIKE

CLOSING COSTS

ALL SETTLEMENT OR TRANSACTION

CHARGES THAT HOME BUYERS NEED TO PAY AT THE CLOSE OF ESCROW WHEN THE PROPERTY IS TRANSFERRED THESE TYPICALLY INCLUDE LENDER'S FEES AND POINTS OR PREPAID INTEREST, A PRORATED SHARE OF THE PROPERTY TAXES, TRANSFER TAXES, CREDIT CHECK FEES, HOMEOWNERS' AND TITLE INSURANCE PREMIUMS, DEED FILING FEES, REAL ESTATE AGENT COMMISSIONS, INSPECTION AND APPRAISAL FEES, AND ATTORNEYS' FEES

ZONING

THE LOCAL LAWS DIVIDING CITIES OR COUNTIES INTO DIFFERENT ZONES ACCORDING TO ALLOWED USES, FROM SINGLE-FAMILY RESIDENTIAL TO COMMERCIAL TO INDUSTRIAL MIXEDUSE ZONES ARE ALSO USED ZONING ORDINANCES CONTROL SIZE, LOCATION, AND USE OF BUILDINGS WITHIN THESE DIFFERENT AREAS AND HAVE AN EFFECT ON TRAFFIC, HEALTH, AND LIVABILITY.

ESCROW

THE HOLDING OF FUNDS OR DOCUMENTS BY A NEUTRAL THIRD PARTY PRIOR TO CLOSING YOUR HOME SALE THIS IS TYPICALLY DONE BY A TITLE COMPANY

HOME INSPECTION

AN EXAMINATION OF THE CONDITION OF A REAL ESTATE PROPERTY. A HOME INSPECTOR ASSESSES THE CONDITION OF A PROPERTY, INCLUDING ITS HEATING / COOLING SYSTEMS, PLUMBING, ELECTRICAL WORK, WATER AND SEWAGE, AS WELL AS SOME FIRE AND SAFETY ISSUES.

APPRECIATION

INCREASE IN THE VALUE OR WORTH OF AN ASSET OR PIECE OF PROPERTY THAT'S CAUSED BY EXTERNAL ECONOMIC FACTORS OCCURRING OVER TIME, RATHER THAN BY THE OWNER HAVING MADE IMPROVEMENTS OR ADDITIONS

A PROVISION IN A CONTRACT STATING THAT SOME OR ALL OF THE TERMS OF THE CONTRACT WILL BE ALTERED OR VOIDED BY THE OCCURRENCE OF A SPECIFIC EVENT, USUALLY BY SPECIFIC DATES LEADING UP TO THE CLOSING CONTINGENCY

TITLE

OWNERSHIP OF REAL ESTATE OR PERSONAL PROPERTY WITH REAL ESTATE, TITLE IS EVIDENCED BY A DEED (OR OTHER DOCUMENT) RECORDED IN THE COUNTY LAND RECORDS OFFICE