36943 N. El Morro Trail

HOME BOOK PREPARED FOR:

36943 N. El Morro Trail

San Tan Valley, AZ 85140

Free Title Monitoring and Alerts Confidence that continues after closing.

Today’s clients expect more than keys.

As part of the closing experience with First American Title, eligible buyers receive an invitation to enroll in complimentary title monitoring and email alerts. This service notifies homeowners when activity is recorded against their property, something that happens every day and often goes unnoticed until much later. It’s a simple, proactive way to show clients you’re thinking beyond the closing table, not just completing transactions. This service is provided at no additional cost.*

Property Monitoring

Email Alerts

Owner Portal

Learning Center

Monitoring for new filings that may affect ownership.

Automatic notifications if activity appears on a property record.

Digital access to closing documents and policy information.

Clear explanations of coverage and fraud prevention resources.

Simple for Homeowners 1. Eligible customers that close with First American Title automatically receive an email from owner-support@firstam.com to activate their secure account.

2. Homeowners will register for or sign in with their EAGLE ID™ to view their documents and confirm their property details.

3. Homeowners receive alerts for new filings and stay confident their ownership is monitored.

Learn More Today Visit firstam.com/owner

*Certain restrictions may apply. Only available when you close with First American Title. First American Title offers free title monitoring for transactions in Alaska, Arizona, California, Colorado, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Michigan, Minnesota, Missouri, Nevada, New Jersey, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Texas, Utah, Washington, Wisconsin and Wyoming.

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. ©2026 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF CV344266F1_CP-AK, AZ, CA, CO, FL, HI, ID, IL, IN, KS, MI, MN, MO, NV, NJ, NM, OH, OK, OR, PA, TX, UT, WA, WI , WY_0425

PRECAUTIONS YO U SHO U LD B E

AWA R E OF

IN THE REAL ESTATE CLOSING PROCESS

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

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

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

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

ALTERNATIVE INSTRUCTIONS?

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

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

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

RELYING ON EMAIL ALONE IS NO LONGER AN OPTION.

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

Our banking institution is First American Trust.

IN SHO RT – wire instructions will not

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

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

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

For more information please contact your First American representative.

w w w.fi rs tam . c o m First American Title Insurance Company, and the operating divisions thereof, make no express or implied warranty respecting the information presented and assume no responsibility for errors or omissions.

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

01100180621

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

LIMITATION OF LIABILITY FOR INFORMATIONAL REPORTS

IMPORTANT -- PLEASE READ CAREFULLY:

This report is not an insured product or service or a representation of the condition of title to real property. It is not an abstract, legal opinion, opinion of title, title insurance commitment or preliminary report, or any form of Title Insurance or Guaranty. This report is issued exclusively for the benefit of the Applicant therefor and may not be used or relied upon by any other person. This report may not be reproduced in any manner without First Americans prior written consent. First American 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 Americans 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 would not have issued this report but for the limitation of liability described above. First American makes no representation or warranty as to the legality or propriety of recipient's use of the information herein.

Prepared By: First American Title Customer Service Department

Date:

06/18/2026

Property:

36943 N EL MORRO TRL, SAN TAN VALLEY, AZ 85140-7516

APN:

104-98-3270

County:

PINAL

Page 1

propertyresearch@firstam.com

Property Details Report Subject Property Location Property Address City, State & Zip County Mailing Address Census Tract Thomas Bros Pg-Grid

Report Date: 06/18/2026 36943 N EL MORRO TRL

Order ID: R221740268

SAN TAN VALLEY, AZ 85140-7516

Property Use Parcel Number Latitude Longitude

PINAL COUNTY 36943 N EL MORRO TRL, SAN TAN VALLEY, AZ 85140-7516 0002.06

Single Family Residential 104-98-3270 33.214547 -111.574519

Legal Description Details Lot Number: 48 Subdivision Name: THE PARKS PARCEL D Sec/Twn/Rng/Mer: SEC 31 TWN 02S RNG 08E Brief Description: LOT 048 THE PARKS PARCEL D IN SEC 31-02S-08E CAB H SLD 068 5400 S Q FT .12 AC Recorder's Map Ref: PM-984

Current Ownership Information Primary Owner Name(s) Vesting

*Source of Ownership data: Assessment Data

POSPIECH BRUCE R & MARY C

Latest Full Sale Information Primary Owner Name(s)

Vesting

POSPIECH, BRUCE R; POSPIECH, MARY C

Community Property (Marital Community) with Right of Survivorship

Sale Price

$475,000

Sale Date

09/06/2023

Recording Date

09/28/2023

Recorder Doc #

2023-071844

Book/Page

Financing Details at Time of Purchase No financing details available

Property Characteristics Bedrooms

Year Built

2018

Living Area (SF)

1,913

Bathrooms/Partial

Garage Type/Parking Spaces

Attached Garage/1

Price ($/SF)

$248/SF

Total Rooms

Stories/Floors

1 Story

Lot Size (SF/AC)

5,400/.12

Construction Type

Units

Fireplace

Exterior Walls

Other

Buildings

Pool

Roof Material/Type

Tile

Basement Type/Area

Heat Type

Yes

Foundation Type

Concrete

Style

A/C

Y

Property Type

Residential

View

Elevator

Land Use

Single Family Residential

Zoning

Assessment & Taxes Assessment Year

2027

Tax Year

2025

Tax Exemption

Total Assessed Value

$39,144

Tax Amount

$1,639.88

Tax Rate Area

Land Value

$7,560

Tax Account ID

Improvement Value

$31,584

Tax Status

Improvement Ratio

80.69%

Delinquent Tax Year

4401

No Delinquency Found

Total Value

Market Improvement Value

Market Land Value

Market Value Year

Lien History Trans. ID

Recording Date

Lender

Amount

Purchase Money

No details available

Loan Officer Insights No details available

Page 2

Comparables Report - Quick View Subject Property Location Property Address City, State & Zip

Report Date: 06/18/2026

36943 N EL MORRO TRL

Order ID: R221740269

SAN TAN VALLEY, AZ 85140-7516

County: PINAL

Area Sales Analysis Total Area Sales/ Count

$8,502,104/ 20

Median # of Baths

Median Lot Size (SF/AC)

5,707 /.13

Price Range - 2 years

$337,000 - $510,000

Median # of Bedrooms

Median Year Built

2019

Age Range

4 - 17

Median Living Area (SF)

1,940

Median Value

$425,500

Median Age

7

Median Price ($/SF)

$225/SF

Comparable Sales 20 Comps Record Date

Sale Price

$/SF

Living Rm SF

SUBJECT PROPERTY

09/28/2023

$475,000

$248

1

36758 N ROCKY MOUNTAIN TRL

04/21/2026

$489,900

2

36728 N ROCKY MOUNTAIN TRL

04/15/2026

3

37156 N EL MORRO TRL

4

Pin

Sale Address Type

Year

Lot SF

1,913

2018

5,400/.12

$227

2,161

2019

6,970/.16

0.09

$510,000

$261

1,951

2019

7,841/.18

0.11

04/07/2026

$405,000

$217

1,865

2017

5,750/.13

0.16

994 W LOWELL DR

02/02/2026

$425,000

$219

1,937

2017

5,849/.13

0.2

5

487 W RAINBOW BRIDGE LN

01/26/2026

$446,500

$230

1,944

2019

5,179/.12

0.22

6

554 W RAINBOW BRIDGE LN

04/10/2026

$463,000

$238

1,944

2019

5,127/.12

0.22

7

542 W RAINBOW BRIDGE LN

05/14/2026

$430,000

$224

1,922

2019

5,129/.12

0.22

8

308 W RAINBOW BRIDGE LN

05/22/2026

$445,000

$229

1,944

2019

4,950/.11

0.33

9

36728 N ALDERNEY CT

12/30/2025

$383,500

$176

2,182

2022

9,148/.21

0.33

10

303 W MAMMOTH CAVE DR

03/10/2026

$405,204

$212

1,913

2019

6,098/.14

0.34

11

254 W ORGAN PIPE DR

03/02/2026

$460,000

$237

1,944

2019

4,983/.11

0.38

12

800 W DANISH RED TRL

03/16/2026

$365,000

$208

1,758

2017

6,098/.14

0.39

13

36599 N IBERIAN DR

04/06/2026

$445,000

$263

1,690

2021

5,663/.13

0.39

14

626 W TALLULA TRL

03/13/2026

$399,000

$188

2,126

2018

6,098/.14

0.4

15

377 W PINNACLE RIDGE DR

03/13/2026

$406,000

$225

1,805

2020

5,126/.12

0.41

16

440 W PINNACLE RIDGE DR

03/20/2026

$415,000

$230

1,805

2019

4,950/.11

0.41

17

36936 N ALEUTIAN DR

04/08/2026

$426,000

$252

1,690

2022

6,970/.16

0.44

18

272 W SATINKA DR

01/20/2026

$420,000

$210

2,004

2019

6,098/.14

0.54

19

36169 N MIRANDESA DR

03/12/2026

$337,000

$206

1,636

2009

5,227/.12

0.56

20

374 W CHOLENA TRL

02/27/2026

$426,000

$213

2,004

2019

5,663/.13

0.59

Page 3

Bd

Ba

Pool

Dist

Subject

Standard Sale

Distressed Sale

Active Listings

Disclaimer THIS REPORT IS INTENDED FOR USE BY YOU AS AN END USER SOLELY FOR YOUR INTERNAL BUSINESS PURPOSES. YOU SHALL NOT RESELL, RELICENSE OR REDISTRIBUTE THIS REPORT, IN WHOLE OR IN PART. THE USE OF THIS REPORT BY ANY PARTY OTHER THAN YOURSELF FOR ANY PURPOSE IS STRICTLY PROHIBITED. THIS REPORT IS PROVIDED AS-IS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE. INTERCONTINENTAL EXCHANGE, INC. (ICE) SHALL HAVE NO LIABILITY IN CONTRACT, TORT, OR OTHERWISE ARISING OUT OF OR IN CONNECTION WITH THIS REPORT. ICE DOES NOT REPRESENT OR WARRANT THAT THE REPORT IS COMPLETE OR FREE FROM ERROR. YOU UNDERSTAND AND ACKNOWLEDGE THAT THE AVAILABILITY, COMPLETENESS AND FORMAT OF THE DATA ELEMENTS MAY VARY SUBSTANTIALLY FROM AREA-TO-AREA. THE INFORMATION CONTAINED IN THIS REPORT IS DERIVED FROM PUBLICLY AVAILABLE SOURCES FOR THE SUBJECT PROPERTY OR COMPARABLE PROPERTIES LISTED ABOVE AND HAS NOT BEEN INDEPENDENTLY VERIFIED BY ICE THROUGH ANY FORM OF INSPECTION OR REVIEW. THIS REPORT DOES NOT CONSTITUTE AN APPRAISAL OF ANY KIND AND SHOULD NOT BE USED IN LIEU OF AN INSPECTION OF A SUBJECT PROPERTY BY A LICENSED OR CERTIFIED APPRAISER. THIS REPORT CONTAINS NO REPRESENTATIONS, OPINIONS OR WARRANTIES REGARDING THE SUBJECT PROPERTY'S ACTUAL MARKETABILITY, CONDITION (STRUCTURAL OR OTHERWISE), ENVIRONMENTAL, HAZARD OR FLOOD ZONE STATUS, AND ANY REFERENCE TO ENVIRONMENTAL, HAZARD OR FLOOD ZONE STATUS IS FOR INFORMATIONAL PURPOSES ONLY AND SHALL BE INDEPENDENTLY VERIFIED BY THE END USER. THE INFORMATION CONTAINED HEREIN SHALL NOT BE UTILIZED: (A) TO REVIEW OR ESTABLISH A CONSUMER'S CREDIT AND/OR INSURANCE ELIGIBILITY OR FOR ANY OTHER PURPOSE THAT WOULD CAUSE THE REPORT TO CONSTITUTE A "CONSUMER REPORT" UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. § 1681 ET SEQ.; OR (B) IN CONNECTION WITH CERTIFICATION OR AUTHENTICATION OF REAL ESTATE OWNERSHIP AND/OR REAL ESTATE TRANSACTIONS. ADDITIONAL TERMS AND CONDITIONS SHALL APPLY PURSUANT TO THE APPLICABLE AGREEMENT.

Copyright CONFIDENTIAL, PROPRIETARY AND/OR TRADE SECRET. TM SM ® TRADEMARK(S) OF INTERCONTINENTAL EXCHANGE, INC. AND ITS SUBSIDIARIES AND AFFILIATES. © 2026 INTERCONTINENTAL EXCHANGE, INC. ALL RIGHTS RESERVED.

Page 4

Aerial Map Report Subject Property Location Property Address City, State & Zip County Mailing Address Owner Name

Report Date: 06/18/2026 36943 N EL MORRO TRL

Order ID: R221740270

SAN TAN VALLEY, AZ 85140-7516 PINAL COUNTY 36943 N EL MORRO TRL, SAN TAN VALLEY, AZ 85140-7516 POSPIECH BRUCE R & MARY C

Subject

Page 5

Property Use Parcel Number

Single Family Residential 104-98-3270

Demographics Report Subject Property Location Property Address City, State & Zip County Mailing Address

Report Date: 06/18/2026 36943 N EL MORRO TRL

Order ID: R221740271

SAN TAN VALLEY, AZ 85140-7516

Property Use Parcel Number

PINAL COUNTY 36943 N EL MORRO TRL, SAN TAN VALLEY, AZ 85140-7516

Single Family Residential 104-98-3270

Population Year

Zip 85140

National

2011

27,570

306,603,772

2020

51,520

326,569,308

Growth Rate

86.9%

6.5%

Growth Centile

97.0%

62.5%

Year

Zip 85140

National

2011

8,859

114,761,359

2020

16,084

122,354,219

Household Growth Rate

81.6%

6.6%

Average Household Size

3.2

2.6

Year

Zip 85140

National

2011

7,070

76,507,230

2020

12,983

79,849,830

Family Growth Rate

83.6%

4.4%

Age

Zip 85140

National

0-4

6.6%

6.0%

5-9

8.9%

6.1%

10-14

9.8%

6.5%

15-19

9.2%

6.5%

20-24

4.7%

6.7%

25-44

26.2%

26.5%

45-64

19.8%

25.6%

65-84

14.0%

14.1%

85+

0.7%

2.0%

Male Ratio

48.8%

49.2%

Female Ratio

51.2%

50.8%

Income

Zip 85140

National

% < $25K

12.0%

18.4%

% $25K-50K

16.5%

20.6%

% $50K-100K

36.9%

30.0%

% $100K-150K

20.0%

15.6%

% >$150K

7.6%

7.1%

Year

Zip 85140

National

2020

$76,744

$64,994

Per Capita Income

$29,609

$34,299

Households

Families

Age Distribution/Gender Ratio

as of 2020 U.S. Census

Gender Ratio

Household Income

as of 2020 U.S. Census

Median Household Income

as of 2020 U.S. Census

Household Centile

as of 2020 U.S. Census

National

77.8%

State

81.6%

Page 6

Assessor Map Report Subject Property Location Property Address City, State & Zip County

Report Date: 06/18/2026 36943 N EL MORRO TRL

Order ID: R221740272

SAN TAN VALLEY, AZ 85140-7516

Parcel Number

PINAL COUNTY

104-98-3270

Disclaimer THIS REPORT IS INTENDED FOR USE BY YOU AS AN END USER SOLELY FOR YOUR INTERNAL BUSINESS PURPOSES. YOU SHALL NOT RESELL, RELICENSE OR REDISTRIBUTE THIS REPORT, IN WHOLE OR IN PART. THE USE OF THIS REPORT BY ANY PARTY OTHER THAN YOURSELF FOR ANY PURPOSE IS STRICTLY PROHIBITED. THIS REPORT IS PROVIDED AS-IS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE. INTERCONTINENTAL EXCHANGE, INC. (ICE) SHALL HAVE NO LIABILITY IN CONTRACT, TORT, OR OTHERWISE ARISING OUT OF OR IN CONNECTION WITH THIS REPORT. ICE DOES NOT REPRESENT OR WARRANT THAT THE REPORT IS COMPLETE OR FREE FROM ERROR. YOU UNDERSTAND AND ACKNOWLEDGE THAT THE AVAILABILITY, COMPLETENESS AND FORMAT OF THE DATA ELEMENTS MAY VARY SUBSTANTIALLY FROM AREA-TO-AREA. THE INFORMATION CONTAINED IN THIS REPORT IS DERIVED FROM PUBLICLY AVAILABLE SOURCES FOR THE SUBJECT PROPERTY OR COMPARABLE PROPERTIES LISTED ABOVE AND HAS NOT BEEN INDEPENDENTLY VERIFIED BY ICE THROUGH ANY FORM OF INSPECTION OR REVIEW. THIS REPORT DOES NOT CONSTITUTE AN APPRAISAL OF ANY KIND AND SHOULD NOT BE USED IN LIEU OF AN INSPECTION OF A SUBJECT PROPERTY BY A LICENSED OR CERTIFIED APPRAISER. THIS REPORT CONTAINS NO REPRESENTATIONS, OPINIONS OR WARRANTIES REGARDING THE SUBJECT PROPERTY'S ACTUAL MARKETABILITY, CONDITION (STRUCTURAL OR OTHERWISE), ENVIRONMENTAL, HAZARD OR FLOOD ZONE STATUS, AND ANY REFERENCE TO ENVIRONMENTAL, HAZARD OR FLOOD ZONE STATUS IS FOR INFORMATIONAL PURPOSES ONLY AND SHALL BE INDEPENDENTLY VERIFIED BY THE END USER. THE INFORMATION CONTAINED HEREIN SHALL NOT BE UTILIZED: (A) TO REVIEW OR ESTABLISH A CONSUMER'S CREDIT AND/OR INSURANCE ELIGIBILITY OR FOR ANY OTHER PURPOSE THAT WOULD CAUSE THE REPORT TO CONSTITUTE A "CONSUMER REPORT" UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. § 1681 ET SEQ.; OR (B) IN CONNECTION WITH CERTIFICATION OR AUTHENTICATION OF REAL ESTATE OWNERSHIP AND/OR REAL ESTATE TRANSACTIONS. ADDITIONAL TERMS AND CONDITIONS SHALL APPLY PURSUANT TO THE APPLICABLE AGREEMENT.

Copyright CONFIDENTIAL, PROPRIETARY AND/OR TRADE SECRET. TM SM ® TRADEMARK(S) OF INTERCONTINENTAL EXCHANGE, INC. AND ITS SUBSIDIARIES AND AFFILIATES. © 2026 INTERCONTINENTAL EXCHANGE, INC. ALL RIGHTS RESERVED.

Page 7

Arizona Schools For detailed information and statistics on Arizona schools please go to https://azreportcards.azed.gov/

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

First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates. ©2021 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF | 05117910421

- FIRST AMERICAN TITLE, FC0, KWAL 06/18/2026 12:56PM Q7IJ

PINAL (PL), AZ

INVESTIGATIVE SEARCH RESULTS

PAGE 1 OF 1

SEARCH PARAMETERS PARCEL: PARCEL:

104-98-3270 104-98-3270

0 AFFIDAVIT

INSTRUMENT

REC DATE

2023 71844

09/28/2023

OWNER:

POSPIECH BRUCE & MARY

SITUS:

36943 N EL MORRO TR SAN TAN VALLEY

MAIL:

379 N HANCOCK ST

LEGAL:

LOT 048 THE PARKS PARCEL D IN SEC 31-02S-08E CAB H SLD 068 5400 SQ FT .12 AC

CURRENT TAXES

INFORMATION THROUGH 06/12/2026

LAND

IMPR

EXEMPT

RATE

AREA

SPECIAL DISTRICTS

PRIMARY

18,212

0

0

8.4332

4401

11900 12566 14613 14900 15625

SECONDARY

7,560

28,358

0

1.6231

2025 TOTAL TAX BILLED

16604 24002 30001

1,639.88

2025

TAX AMT

TAX DUE

INTEREST

DATE PAID

TOTAL DUE

FIRST HALF

819.94

0.00

0.00

10/17/2025

0.00

SECOND HALF

819.94

0.00

0.00

10/18/2025

0.00

TOTAL CURRENT TAXES DUE 06/26

0.00

07/26

0.00

RESOLUTION COMPLETE

IMPROVEMENTS SINGLE FAMILY HOME BLDG SQFT

1,913

FULL CASH VALUE

YEAR BUILT

2018

LAND USE

01 31

1.0

LOT SIZE

5,400 FR FT

NUMBER OF STORIES STORIES HEIGHT

0

EXTERIOR WALLS

OTHER

GRADE MATERIALS

SCHOOL DISTRICT

359,176

4401

LAND FULL CASH VALUE

75,600

IMPR FULL CASH VALUE

283,576

SALES SALE DATE

SALE AMOUNT

INSTRUMENT TYPE

09/28/2023

475,000

2023 71844 WD

WATKINS JEFF ADAM & TIFFAN

06/01/2021

425,000

2021 68630 WD

DEWITT JUSTIN DILLIS STEP

04/18/2019

257,000

2019 29024 SW

KB HOMES SALES PHOENIX INC

ADDITIONAL PROPERTY INFORMATION STANDARD LAND USE:

SFR

END SEARCH

SELLER NAME

VALIDITY

Selling a Home in Arizona.

For more information please contact your First American representative.

www.firstam.com

Table of Contents

Quick Reference Your Escrow Number Your New Address

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

City/State/Zip Real Estate Agent Name Company Address Email Phone Fax Assistant Email

First American Title Escrow Officer

12 The Escrow Process 14 Understanding Title Insurance

Address City/State/Zip Phone

16 Consider This 17 Closing Your Escrow

Fax Email Escrow Assistant

18 Planning Your Move

Email

Insurance Previous Company

Phone

Previous Agent

Policy No.

New Company

Phone

New Agent

Policy No.

Home Warranty Company

Policy No.

Utilities and Services

AZ Sellers Guide | 2

Southwest Gas 1.877-860-6020 www.swgas.com

Dish Network 1.800-823-4929 www.dishnetwork.com

Verizon 1.877-300-4498 www.connecttoverizon.com

Cox 602-277-1000 www.cox.com

CenturyLink 800-366-8201 www.centurylink.com

Salt River Project 602-236-8888 www.srpnet.com

Direct TV 1.888-777-2454 www.directv.com

AT&T 1.800-222-0300 www.att.com

APS 602-371-7171 www.aps.com

Count on First American Title.

Count on us for service.

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

Count on us for stability.

First American Title is the principal subsidiary of First American Financial Corporation, and one of the largest suppliers of title insurance services in the nation. With roots dating back to 1889, we’ve served families for generations.

Count on us for convenience.

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

Count on us to meet your needs.

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

AZ Sellers Guide | 3

Benefits from a professional REALTOR® .

Before you make the decision to try to sell your home alone, consider the benefits a REALTOR® can provide that you may not be aware of: — Understands market conditions and has access to information not available to the average homeowner.

— 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.

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

— K nows how to screen potential Buyers and eliminate those who can’t qualify or are looking for bargain-basement prices.

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

— I s always “on-call,” answering the phone at all hours, and showing homes evenings and weekends.

For sale by owner.

Many people believe they can save a considerable amount of money by selling their homes themselves. It may seem like a good idea at the time, but while you may be willing to take on the task, are you qualified?

The following are some questions to help you realistically assess what’s involved: — Do you have the knowledge, patience, and sales skill needed to sell your home?

— If your buyer is aggressive, can you negotiate a successful outcome for yourself?

— Do you know how to determine the current market value of your home?

— A re you aware of conditions in the marketplace today that affect value and length of time to sell?

— D o you know how to determine whether or not a buyer can qualify for a loan?

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

— A re you concerned about having strangers walking through your home?

— Maintains errors-and-omissions insurance.

— D o you understand the steps of an escrow and what’s required of you and the buyer?

— W ill listen to your needs, respect your opinions and allow you to make your own decisions.

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

— 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!

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

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

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

— D o you 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?

— D o you know how to advertise effectively and what the costs will be?

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

— D o you understand the various types of loans buyers may choose and the advantages and disadvantages for the seller?

— A re you prepared to give up your evenings and weekends to show your home to potential Buyers and “just-looking” time wasters?

AZ Sellers Buyers Guide | 4

Key professionals involved in your transaction.

REALTOR® A REALTOR® is a licensed real estate agent and a member of the National Association of REALTORS®, a real estate trade association. REALTORS® also belong to their state and local Association of REALTORS®.

Real Estate Agent A real estate agent is licensed by the state to represent parties in the transfer of property. Every REALTOR® is a real estate agent, but not every real estate agent has the professional designation of a REALTORS®.

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

Buyer’s Agent A key role of the buyer’s agent or broker is to work with the buyer to locate a suitable property and negotiate a successful home purchase.

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

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

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

Lenders A financial institution that provides money to a borrower to purchase real estate, often in the form of a mortgage. Lenders play a vital role in the home buying process by assessing the borrower’s ability to repay the loan and setting the terms of the mortgage.

Inspectors A licensed professional who evaluates the condition and safety of a property for a buyer or seller. They inspect the property from top to bottom, looking for defects that could be a financial burden or safety risk.

Appraisers A professional who provides an unbiased estimate of a property’s value.

AZ Sellers Guide | 5

Preparing your home for sale.

First impressions have a major impact on potential buyers. Try to imagine what a potential buyer 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: — 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.

— P aint or replace the mailbox, if needed.

— I f screens or windows are damaged, replace or repair them.

— Repair or replace worn shutters and other exterior trim.

— M ake 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.

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

— B righten the appearance inside by painting walls, cleaning windows and window coverings, and removing sunscreens.

— Repair leaky faucets and caulking in bathtubs and showers.

— R epair or replace loose knobs on doors and cabinets. If doors stick or squeak, fix them.

— Make sure toilet seats look new and are firmly attached.

— Repair or replace loud ventilating fans.

— Replace worn shower curtains.

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

— R emove clutter throughout the house. Organize and clean out closets.

— C lean household appliances and make sure they work properly.

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

— C heck the pool and/or spa equipment and pumps. Make sure all are working properly and that the pool and/or spa are kept clean.

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

AZ Sellers Guide | 6

Staging your home for show.

To make the best impression, keep your home clean, neat, uncluttered and in good repair.

Please review this list prior to each showing: — Keep everything clean. A messy or dirty home will cause prospective buyers to notice every flaw.

— Clear all clutter from counter tops.

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

— G et 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.

— C lose the windows to eliminate street noise.

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

— C lean trash cans and put them out of sight.

— 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.

— K eep the garage door closed and the driveway clear. Park autos and campers away from your home during showings — Hang clean attractive guest towels in the bathrooms.

— Check that sink and tub are scrubbed and unstained.

— Make beds with attractive spreads.

— S tash or throw out newspapers, magazines, junk mail.

AZ Buyers Sellers Guide | 7

AZ Sellers Buyers Guide | 8

Terms you should know.

Appraisal

Deed Restrictions

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

Limitations in the deed to a parcel of real property that dictate certain uses that may or may not be made of the real property.

Annual Percentage Rate (APR)

Disbursement Date

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

The date the amounts are to be disbursed to a buyer and seller in a purchase transaction or the date funds are to be paid to the borrower or a third party in a transaction that is not a purchase transaction.

of land. It should so thoroughly identify a parcel of land that it cannot be confused with any other.

Lien

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

Earnest Money Deposit Closing Disclosure (CD) Closing disclosure form designed to provide disclosures that will be helpful to borrowers in understanding all of the costs of the transaction. This form will be given to the consumer three (3) business days before closing.

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

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

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

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

Consummation Occurs when the borrower becomes contractually obligated to the creditor on the loan, not, for example, when the borrower becomes contractually obligated to a seller on a real estate transaction. The point in time when a borrower becomes contractually obligated to the creditor on the loan depends on applicable state law.

Consummation is not the same as close of escrow or settlement.

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

A form of encumbrance that usually makes a specific parcel of real property the security for the payment of a debt or discharge of an obligation. For example, judgments, taxes, mortgages, deeds of trust.

Loan estimate (LE) Form designed to provide disclosures that will be helpful to borrowers in understanding the key features, costs and risks of the mortgage loan for which they are applying. Initial disclosure to be given to the borrower three (3) business days after application.

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

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

PITI

Hazard Insurance

Power of Attorney

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.

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.”

A payment that includes principal, interest, taxes, and insurance.

Recording 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.

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

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

Legal Description

TRID

A description of land recognized by law, based on government surveys, spelling out the exact boundaries of the entire parcel

Tila-respa integrated disclosures

AZ Sellers Guide | 9

The life of an escrow.

The Buyer

The Seller

The Escrow Officer

The Lender

Chooses a Real Estate Agent

Chooses a Real Estate Agent

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

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

Accepts Buyer’s offer to purchase.

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

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

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

Completes and returns opening package from First American Title.

Schedules inspections and evaluates findings. Reviews title commitment/preliminary report.

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.

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

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

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

Documents are recorded and the keys are delivered!

AZ Sellers Guide | 10

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

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

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

Documents are recorded and all proceeds from sale are received.

Requests necessary information from buyers and sellers via opening packages.

Reviews title commitment/ preliminary report.

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

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

Coordinates with lender on the preparation of the CD.

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

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

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

Prepares recording instructions and submits docs for recording.

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

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

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

Underwriting reviews loan package for approval.

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

Delivers loan documents to escrow.

Upon review of signed loan documents, authorizes loan funding.

Closing Costs: Who Pays Whats This chart indicates who customarily pays what costs

CASH

FHA

VA

CONV

01.

Downpayment

Buyer

Buyer

Buyer

Buyer

02.

Property Inspection (If Requested By Buyer)

Buyer

Buyer

Buyer

Buyer

03.

Property Repairs, If Any (Negotiable)

Seller

Seller

Seller

Seller

04.

New Loan Origination Fee (Negotiable)

Buyer

Buyer

Buyer

05.

Discount Points (Negotiable)

Buyer

Seller

Buyer

06.

Document Preparation Fee (Charge Seller On Fha/Va)

Seller

Seller

Buyer

07.

Credit Report

Buyer

Buyer

Buyer

08.

Appraisal Or Extension Fee (Negotiable)

Buyer

Buyer

Buyer

09.

Interest Proration On Seller’s Existing Loan

10.

Existing Loan Payoff

Seller

Seller

Seller

Seller

11.

Existing Loan Payoff Demand

Seller

Seller

Seller

Seller

12.

Loan Prepayment Penalty (If Any)

Seller

Seller

Seller

Seller

13.

Next Month’s Piti Payment

Buyer

Buyer

Buyer

14.

Prepaid Interest (Approx. 30 Days)

Buyer

Buyer

Buyer

15.

Reserve Account Balance (Credit Seller / Charge Buyer)

Prorate

Prorate

Prorate

16.

Fha Mip, Va Funding Fee, Pmi Premium

Buyer

Buyer

Buyer

17.

Assessments Payoff Or Proration (Sewer, Paving, Etc.)

Seller

18.

Taxes

Prorate

Prorate

Prorate

Prorate

19.

Tax Impounds

Buyer

Buyer

Buyer

20.

Tax Service Contract

Seller

Seller

Buyer

21.

Fire/Hazard Insurance

Buyer

Buyer

Buyer

22.

Flood Insurance

Buyer

Buyer

Buyer

23.

Homeowners Association (Hoa) Transfer Fee

Split

Split

Seller

Split

24.

Hoa/Disclosure Fee

Seller

Seller

Seller

Seller

25.

Current Hoa Payment

Prorate

Prorate

Prorate

Prorate

26.

Next Month’s Hoa Payment

Buyer

Buyer

Buyer

Buyer

27.

Home Warranty Premium (Negotiable)

28.

Homeowners Title Policy (Negotiable on all but VA loan)

Seller

Seller

Seller

Seller

29.

Lenders Title Policy And Endorsements

Buyer

Buyer

Buyer

30.

Account Servicing Set-Up Fee (Negotiable)

31.

Escrow Fee (Note: Charge Seller On Va Loan)

Split

Split

Seller

Split

32.

Recording Fees (Flat Rate)

Split

Split

Split

Split

33.

Reconveyance/Satisfaction Fee

Seller

Seller

Seller

Seller

34.

Courier/Express Mail Fees

Split

Split

Seller

Split

35.

Email Loan Documents

Buyer

Seller

Buyer

Buyer

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

AZ Sellers Guide | 11

The Escrow Process What is an escrow?

The escrow is the process of having a neutral party manage the exchange of money for real property. The escrow holder is known as an escrow or settlement officer or agent. The buyer deposits funds and the seller deposits a deed with the escrow holder along with all of the other documents required to remove all "contingencies" (conditions and approvals) in the purchase agreement prior to closing.

How is an escrow opened?

Once a purchase agreement is signed by all necessary parties, the agent representing the party who will pay the fee selects an escrow holder and the buyer's earnest money deposit and contract are submitted to the escrow holder. From this point, the escrow holder will follow the mutual written instructions of the buyer and seller, maintaining a neutral stance to ensure that neither party has an unfair advantage over the other. The escrow holder also follows the instructions of the Buyer's new lender, the seller's existing lender, and both parties' agents. The escrow holder ensures the transparency of the transaction, while carefully maintaining the privacy of the consumers.

AZ Sellers Guide | 12

Your escrow professional may: pen escrow and, if instructed to do so, O deposit your good faith funds in a separate escrow account. rder a title search to determine ownership and O status of the subject real property.

I ssue a preliminary report and begin the process of eliminating the title exceptions you and your lender are not willing to take title subject to. equest payoff information for the seller’s loans, R other liens, homeowner’s association fees, etc. oordinate with the buyer’s lender on the C preparation of the Closing Disclosure (CD). rorate fees, such as real property taxes, per the P contract, and prepare the settlement statement. et separate appointments allowing the seller and S you to sign documents and deposit funds. eview documents ensuring all conditions and R legal requirements are fulfilled; request funds from lender. hen all funds are deposited, record documents W with the County Recorder’s Office to transfer the subject real property to you. fter the recordation is confirmed, close escrow A and disburse\funds, including seller’s proceeds, loan payoffs, etc. repare and send final documents to all P parties involved.

AZ Sellers Guide | 13

Understanding title insurance.

The title industry and title insurance in brief.

Prior to the development of the title industry in the late 1800s, a home-buyer received a grantor’s warranty, attorney’s title opinion, or abstractor’s certificate as assurance of home ownership. The buyer relied on the financial integrity of the grantor, attorney, or abstractor for protection. Today, home-buyers look primarily to title insurance to provide this protection. Title insurance companies are regulated by state statute. They are required to post financial guarantees to ensure that any claims will be paid in a timely fashion. They also must maintain their own “title plants” which house duplicates of recorded deeds, mortgages, plats, and other pertinent county property records.

What is title insurance?

Title insurance provides coverage for certain losses due to defects in the title that, for the most part, occurred prior to your ownership. Title insurance protects against defects such as prior fraud or forgery that might go undetected until after closing and possibly jeopardize your ownership and investment.

Why is title insurance needed?

Title insurance insures buyers against the risk that they did not acquire marketable title from the seller. It is primarily designed to reduce risk or loss caused by defects in title from the past. A loan policy of title insurance protects the interest of the mortgage lender, while an owner’s policy protects the equity of you, the buyer, for as long as you or your heirs (in certain policies) own the real property.

When is the premium due?

You pay for your owner’s title insurance policy only once, at the close of escrow. Who pays for the owner’s policy and loan policy varies depending on local customs.

AZ Sellers Guide | 14

Compare First American Title’s Eagle Policy® for Owners

EAGLE/ALTA Homeowners Policy

ALTA Standard Policy

P P P P P

P P P P P

P P P P P

P P P P

Protection from: 1

Someone else owns an interest in your title

2

A document is not properly signed

3

Forgery, fraud, duress in the chain of title

4

Defective recording of any document

5

There are restrictive covenants

6

There is a lien on your title because there is: a) a mortgage b) a judgement, tax, or special assessment c) a charge by a homeowner’s association

7

Title is unmarketable

8

Mechanics lien **

9

Forced removal of a structure because it:

c) violates an existing zoning law*

P P P

10

Cannot use the land for a Single-Family Residence because the use violates a restriction in Schedule B or a zoning ordinance

P

11

Unrecorded lien by a homeowners association

12

Unrecorded easements

13

Building permit violations*

14

Restrictive covenant violations

15

Post-policy forgery

16

Post-policy encroachment

18

Lack of vehicular and pedestrian access

20

Post-policy adverse possession

21

Post-policy prescriptive easement

22

Covenant violation resulting in your title reverting to a previous owner

23

Violation of building setback regulations

24

Discriminatory covenants

a) extends on another property and/or easement b) violates a restriction in Schedule B

P P P P P P P P P P P P

Other benefits: 25

Pays rent for substitute land or facilities

26

Rights under unrecorded leases

27

Plain language statements of policy coverage and restrictions

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

P P P P P P P P

* Deductible and maximum limits apply. Not available to investors on 1- to 4-unit residential properties. ** ** Subject to underwriting approval. See policy for exact statements of coverage. All coverages subject to special exceptions set forth in Schedule B of the policy.

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

AZ Sellers Guide | 15

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

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

AZ Buyers Guide | 16

Closing Your Escrow What to do before the closing appointment.

Your escrow officer or escrow technician will contact you to schedule your closing appointment and inform you of the funds you need to bring with you. Obtain a cashier’s check for that amount made payable to First American Title. If a wire transfer is necessary, arrange for it in advance with your escrow officer.

First American Title is required by law to have funds deposited before escrow funds can be disbursed. Expect delays if you submit a personal check! If you have questions or anticipate a problem, contact your escrow officer immediately.

Don’t forget your identification.

You will need valid identification with your photo; a driver’s license is preferred. This is necessary so that your identity can be sworn to by a notary public. It’s a routine step, but it’s important for your protection.

What happens next?

During your signing appointment at First American Title, you will sign loan documents for the home you are purchasing and you will present your identification so the documents can be notarized. You will review the settlement statement and give the escrow officer your cashier’s check. (The seller will sign at a separate appointment.)

First American Title will confirm that all contract conditions have been met and ask the lender to “fund the loan.” If the loan documents are satisfactory, the lender will send funds directly to First American Title. When all necessary funds are received we will disperse escrow funds to the seller and other appropriate payees. The signed loan documents will be returned to the lender. We will record the deed at the county recorder’s office.

At this time your escrow is closed.

After the Closing We recommend you keep all records pertaining to your home together in a safe place, including all purchase documents, insurance, maintenance and improvements.

Loan payments and impounds. You should receive a statement from your lender before your first payment is due. If you have not been notified, or if you have questions about your tax and insurance impounds, contact your lender.

Home Warranty Repairs. If you have a home warranty policy, call your home warranty company directly for repairs. Have your policy number available when you call.

Title Insurance Policy. First American Title will deliver your policy and your recorded deed.

Property Taxes. You may not receive a tax statement for the current year on the home you buy; however, it is your obligation to make sure the taxes are paid when due. Check with your mortgage company to find out if taxes are included with your payment. For more information on your property taxes, contact your county treasurer’s office.

AZ Sellers Guide | 17

Planning Your Move Six Weeks Before: Create an inventory sheet of items to move.

Research moving options. You’ll need to decide if yours is a do-it-yourself move or if you’ll be using a moving company.

Request moving quotes. Solicit moving quotes from as many moving companies and movers as possible. There can be a large difference between rates and services within moving companies.

One Week Before: Plan your itinerary. Make plans to spend the entire day at the house or at least until the movers are on their way.

Someone will need to be around to make decisions. Make plans for kids and pets to be at the sitters for the day.

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

Bank accounts. Notify bank of address change. Make sure to have a money order for paying the moving company if you are transferring or closing accounts.

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

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

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

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

Contact insurance companies. (Life, Health, Fire, Auto) You’ll need to contact your insurance agent to cancel/ transfer your insurance policy. Do not cancel your insurance policy until you have and closed escrow on the sale.

Start packing. Begin packing for your new location.

Seek employer benefits. If your move is work-related, your employer may provide funding for moving expenses.

Your human resources rep should have information on this policy.

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

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

Obtain your medical records. Contact your doctors, physicians, dentists and other medical specialists who may currently be retaining any of your family’s medical records. obtain these records or make plans for them to be delivered to your new medical facilities.

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

Service small engines for your move by extracting gas and oil from the machines. This will reduce the chance to catch fire during your move.

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

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

AZ Sellers Guide | 18

Travel items. Set aside items you’ll need while traveling and those needed until your new home is established.

Make sure these are not packed in the moving truck!

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

Prepare Floor Plan. Prepare floor plan for your new home.

This will help avoid confusion for you and your movers.

Moving Day: Review the house. Once the house is empty, check the entire house (closets, the attic, basement, etc) to ensure no items are left or no home issues exist.

Sign the bill of lading. Once you are satisfied with the mover’s packing your items into the truck, sign the bill of lading. If possible, accompany your mover while the moving truck is being weighed.

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

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

Your Notes:

AZ Sellers Guide | 19

Your Notes:

AZ Sellers Guide | 20

Your Notes:

AZ Sellers Guide | 21

Central Arizona Branch Locator

4

1

6

2

3 8

303

5

OL

11

DW

GOLDFIELD

CRISMON

SIGNAL BUTTE

7

ES

TH

WY

12

9

5 Tatum Ridge

9 Chandler Portico

2 The Legends

6 C arefree

10 Gilbert San Tan

3 Arrowhead

7 Scottsdale Forum

11 Mesa

4 Anthem

8 Raintree

12 Gold canyon

623-537-1608 20241 N. 67th Ave, #A-2 Glendale, AZ 85308 E side 67th Ave/N of 101

623-487-0404 16165 N. 83rd Ave, #100 Peoria, AZ 85382 SE corner of N 83rd Ave and W Paradise Ln

623-551-3265 39508 N. Daisy Mountain Dr, #128 Anthem, AZ 85086 NE corner Daisy Mtn Dr/Gavilan Peak Pkwy

AZ Sellers Guide | 22

480-515-4369 11211 N Tatum Blvd, #A150 Phoenix, AZ 85028 N of Shea, E side of Tatum

480-575-6609 7202 E. Carefree Dr, Bldg 1, #1 Carefree, AZ 85377 NE corner of Tom Darlington/Carefree Dr.

480-551-0480 6263 N. Scottsdale Rd, #110 Scottsdale, AZ 85250 E Side Scottsdale/S of Lincoln

480-563-9034 8605 E. Raintree Dr, # 130 Scottsdale, AZ 85260 SW corner of E Raintree Dr and N 87th St

GS

RA

NC

H

10

1 Sun City West

623-299-3644 13940 W. Meeker Blvd, #119 Sun City West, AZ 85375 N of Meeker Blvd W of R.H. Johnson

S

KIN

480-777-0051 2121 W. Chandler Blvd., #100 Chandler, AZ 85224 SW Corner Chandler Blvd./Dobson Rd.

480-777-0614 1528 E. Williams Field Rd. #101 Gilbert, AZ 85295 NW corner of Williams Field Rd./Val Vista Rd.

480-401-3738 1630 S. Stapley Dr, #123 Mesa, AZ 85204 N of Baseline / W of Stapley

480-288-0883 6877 South Kings Ranch Rd, #5 Gold Canyon, AZ 85118 E of 60/South Side Kings Ranch Rd.

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RD

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C LE

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N Bea r Canyon Rd

N SWAN RD

t t a Rd

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S HOUGHTON RD S HOUGHTON RD

S KOLB RD

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a d Ranch R d

95

S Swan Rd

Ow l

RSD Wilmot Rd

S H OUGHTON RD

80

C LE

I-19

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N

S Estancia Dr

N Wentz R d

N Luckett Rd

N Trico Rd

S Sandario eRt d

et

S KOLB RD

10

9

Vail

S H OUGHTON RD

S Wilmot Rd

S H WY

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Sa nta

Rita Rd

Continental

S Kolb Rd

Sahuarita

N OGALE

6

N Bea r Canyon Rd

S Kolb Rd

N SWAN RD

S Swan Rd

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S NOGALES HW

I-19

80

S LA CANADA DR

Green Valley

d ia R

E SAHUARITA RD Corona de Tucson

S OLD

n

Littletown

Summit

RD

SM ISS ION ch

S Mcge e R a

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

He l v E 22NDSST

S HOUGHTON RD S HOUGHTON RD

95

S SANDARIO RD

W

Rd

S Garvey Rd

E VALENCIA RD

19

W HELMET PEAK RD

Tanque Verde

N Calle Rinconado

S Shaw Rd

Air Force

W Pima Mine Rd

E SNYDER RD

Ro ad

424

Rd

E 22ND ST

W VALENCIA RD

1

Tucson

TUCSON INT'L AIRPORT

cg ch Rd W M e e R an

E R RD

E Fairmount St

HWY AJO W W IRVINGTO N RD

W Ruby Star Dr

E RdIV

E SPEEDWAY BLVD

W Hermans Rd

W Bush Rd

Ranc h

E GRANT R2D

S Sandario Rd

S Marstellar Rd

NN EY RD

W VALENCIA RD

W Bayard Rd

r it t e n

E PRINCE RD

S OLD

Rd

Three Points

N OGALE

N Trico Rd

Rd

H

S H WY

S LA CANADA DR

N SANDARIO RD

N ANWAY RD

ntain Rd

M ou

ma n

N Anway Rd

N Pump Station Rd

h W Gar c ia Ranc

WY

86

KI

S an77 Tucson, ta AZ 85718 E SUNRISE DR Rita 3 Rd Ro phone 520-529-0506 a

W SPEEDW Continental AY BLVD

H wy

Willow Canyon

AZ Sellers Guide | 23 S He

lv

d ia R

et

a d Ranch R d

S hR d

an c

ell R Hearth Rd

S Pecan Rd

S Marstellar Rd

W

Rd

NW S Garvey Radter

S

S H OUGHTON RD

N SANDARIO RD

N Trico Rd

S Wilmot Rd

S Kolb Rd

S SANDARIO RD

S Swan Rd

S Shaw Rd

SM ISS ION RD

N Luckett Rd

N Wentz R d

S HOUGHTON RD S HOUGHTON RD

S KOLB RD

N ANWAY RD

S Brady Pump R

N Pump Station Rd

S PICACHO HWY

h W Gar c ia Ranc

S H WY

S LA CANADA DR

S Sunland Gin Rd

N OGALE

S OLD

Rd ch

S Night Sky St

5

N TRICO RD

N TRICO RD

N Anway Rd

N Bea r Canyon Rd

N SWAN RD

N La Palma Rd

ain Rd

95

S NOGALES HW Y S SUNSHINE BLVD

N PINAL AVE

NM Tweedy ount Rd

aterm an

NW

N SANDARIO RD

N Overfield Rd

Curry Rd 80 SI-19

S Henness Rd

SM ISS S Lamb Rd ION S SUNLAND RD GIN RD

W

S SANDARIO RD

S Sandario Rd

S Marstellar Rd

5

BIA-3

BIA-3

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

S Sierrita Mountain Rd

-10 BIA

on

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

WA

WB

0

m LeNm Calle Rinconado

Oro Valley/Oracle

6

S

N

424

N

EY R D 11165 N La Canada Dr, Ste 143 n S Mcge e R aW MILE WIDE RD Oro Valley, AZ 85737 phone 520-877-9200

N 1ST AVE

W Twi n B

W Fort L o ell Rd w Oro Valley/La Canada I N Green Valley

286 B IA - 1

Summerhaven

8280 S. Houghton Rd, Ste 130 8 OR A Oro ValleyAZ 85747 Tucson,

S Green Valley, AZ 85622 W RudasillWRAdnam a x Mine Rd d R o r W MANVILLE RD h d R r i l l e v n a M c c g W phone 520-625-1095 W El Camino Del C e W M e e R an

W Guy St

Ali Molina

Vail

phone 520-618-7790 Cortaro E SAHUARITA RD Corona de Tucson Sahuarita 10 Picture Rocks Green Valley 10 Casas Skyline RdINA RD W PbIyCSTtUarRDErR 5 sW cker Rd u T W e t D t W R u Adobes R u 210 W Continental Road, Ste. O248 2890 E Skyline Dr, Ste 200 C KS

86

Chiawuli Tak

Houghton W NARANJA DR

W HELMET PEAK RD

W Emigh Rd

JO

86

Catalina 10

N Mt

6760 N Oracle Rd, Ste 100B Tucson, AZ 85704 W TWIN PEAKS RD phone 520-575-1900

W Hermans Rd

BIA-30

9

N F- 3

W MOORE RD 7 W TANGERI NE RD

N

8

77

a in Bl

F Rd W PimaronMine ta

Schuchk

Haivana Nakya

m

Rillito

Summit

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

N Dove Mount

8500 N Oracle Rd, Ste 100 Oro Valley, AZ 85704 W Park Rd phone 520-297-2576 | 520-219-6451

4 -3

442 W Kortsen Road, Ste 101 Casa Grande, AZ 85122 phone 520-426-4600

8

19

Oracle

Saddlebrooke

TUCSON INT'L Edwin Rd AIRPORT E

E Grand Valley Dr

10

77

Littletown Oracle Junction 9

E VALENCIA RD

He

S

BIA Casa Grande

sL

S

4

R ine

RD

7

Air Force

LL

Rd

E 22ND ST

E 22ND ST

BE ER ILV

Ranc h

d

K

1840 E River Road Ste 200 Tucson, AZ 85718 phone 520-577-8707 / 520-529-1944

r it t e n

Tanque Verde

S

N

Cambric

WB

Dr

W VALENCIA RD

Ga

Marana

N Trico Rd

6

lock E Hem

Rd ge

S

Valley Rd

Tucson

Chief B

Casas Adobes

S Sierrita Mountain Rd

er b

W Avra

Broadway

3777 E Broadway, Ste 130 286 Tucson, AZ 85716 phone 520-747-1644

3

5

W El Tiro Rd

1

E SNYDER RD

E v a lyn Rd

vd

Tanque VerdeW Bush Rd

ed To p Rd agg

I-10

WR

E R RD

E SPEEDWAY BLVD

utt eR NN K DR d EY K LIN RDPAR HWY ve Do AJO ert W W IRVINGTO NERDeDs uild R G

W Hermans Rd

d ia R

irre Rd

W Bayard Rd

6390 E Tanque Verde Rd e ll R d Tucson, AZ 85715 phone 520-885-1600 / 520-202-2626

2

Three Points d

1

JO

WS ilver WbeGuy ll R St

KI

W VALENCIA RD

86 lv SNHeAg u

WA

86

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

E No na Rd

Rd sco E Sa

Continental AveW Hermans Rd Y Continental HW

E GRANT R2D

E RIV

E Fairmount St

Red Rock W Park Rd

Ro ad

W Silv

86

Rita Rd

ff

d hR EncPRINCE RD Ra

d sR

6

E BAUMGARTNER RD

Go

E SUNRISE DR

3

W SPEEDWAY BLVD Sa

77

H wy

Willow Canyon

ing Spr

n

Sa nta

Rd an em

w Willo

S Mcge e R a

S

77

S

Green Valley

E Curtis Rd

424

cg ch Rd W M e e R an W Aries Dr

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

IN N EY R D

S

W Ruby Star Dr

Vail

N Calle Rinconado

llis R UdARITA RD Corona de Tucson W HELMET PEAK RD EESEAH OIR RD E GREENE RESERVSahuarita

S

K

E Hotts Rd

o W El Camino Del C err

W MILE WIDE RD

10

N

N

E Nutt Rd

E HARMON RD W HARMON RD W Pretzer Rd

Picacho W Fort Lowell Rd

Fre

5

RD

W Phillips Rd

E Milligan Rd

Le m

E Milligan Rd Summit

W Rudasill Rd

on

A OR

10

Casas Adobes

LL

19

on Valley IrW Rd INA RD

RE O C K S RD

BE ER ILV

E Houser Rd -84 TUCSON INT'L AIRPORT Eloy 10 W MANVILLE RD W Manville Rd Arizona City

W BATTAGLIA DR

N Mt

AZ

9 W PICTURE Deep

8

Oro Valley

Summerhaven Dudleyville

Rd

Cortaro

Picture Rocks W

Littletown

h nc

87

79 Fron ta

W TWIN PEAKS RD

W Emigh Rd

d

le R

d d ro R me nce R re Flo

Ra olote Te c

E Hanna Rd

cker Rd W TuRD ToltecE VALENCIA

W Pima Mine Rd

huchk

Air Force

77

N 1ST AVE

W Houser Rd W Hermans Rd

N Trico Rd

E Arica Rd

E Cornman Rd

N

Rillito

v il

d W MOORE RD 7 W TANGERI NE RD W NARANJA DR

Marana

E 22ND ST

t a inR aBnch R d el l

lmwhe E He

Catalina

er

E Selma Hwy

W Hanna Rd

W VALENCIA RD

W VALENCIA RD

Chuichu

287 Tucson La Palma

Cactus Forest N Dove Moun

Tanque 10 E Desert Hills Rd Verde

E SPEEDWAY BLVD E 22ND ST

lma Hwy WSe Avra Val ley Rd W Cornman Rd HWY AJO W W IRVINGTO N RD

E SNYDER RD

ar k

W

E Kleck Rd

E Edwin Rd

E Grand Valley Dr

Rd ge

EY RD

1

E Randolph Rd

E GRANT R2D Randolph W El Tiro Rd St E Fairmount

He

NB

d

W Earley Rd

S

S CHUICHU RD

S Trekell Rd

8

W Park Rd

D

S

nJ oa qu in Bopp R d Rd W Snyder Hill Rd I - 8

86

W Randolph Rd ed To p Rd agg W Kleck Rd R W

E MEARTIN RD RIVE R RD

sL

8

Oracle Junction Saddlebrooke

vd

LR

Casa e ll RK IN Grande d N

er b

S RD S THORNTON

Sa

3

E PRINCE RD

10 W SPEEDWAY BLVD

W Silv

oints

E4RODEO RD

E SUNRISE DR

W Bartlett Rd

W MCCARTNEYrbReDll R EL

K

IN N EY R D

N Agu

d

R ine

Ga

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

rro

MILE WIDE RD

Y

77

ff RSd W El Camino Del C e W WoodruW 387 ilve

N

well Rd

S

I-10

LE RD

N

5

B ER ILV

W Rudasill Rd

Casas Adobes

irre Rd

W INA RD O C K S RD

N 1ST AVE

W PICTURE R

S La Palma Rd

Continental Ave

r lock D

Ow l

S Estancia Dr

Willow Canyon

BranchCortaroLocator10 Picture Rocks W TWIN PEAKS RD

W Emigh Rd

E Hem

H wy

ch

RD

C LE

A OR

N Trico Rd

Rd sco E Sa

N

Oro Valley

on

m

Rd ge

8

Oracle N F- 3

Red Rock

Le m

Fro nta

N Mt

N

Rillito

77

ove rt D ese R ED uil d SG

Southern Arizona

arana

E NSummerhaven o na Rd

d

S NOGALES HW

77

W MOORE RD GART7NER RD E BAUM W TANGERI NE RD W NARANJA DR

Chief Bu tte R

K DR K LIN PAR S Cattle Tank Rd

S PICAC

S

RDMounta E GREENE RESERVONIR Dove in Bl 10 E Curtis Rd

vd

N Wentz R d

Catalina

d sR

E Ellis Rd

ing Spr

E Hotts Rd nd Valley Dr E GraRd Pretzer

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