Home Book 24116 SE 45th Pl Sammamish WA 98029

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Real Estate Reports Subject Property:

Prepared For:

24116 SE 45th Pl Sammamish, WA 98029

The Anderson Residence

Compliments of: Beverly Auffray eXp Realty 2815 Elliott Ave, Suite 100 Seattle, WA 98121 Phone: (425) 677-5717 Email: beverly.auffray@exprealty.com

PROPERTY INFORMATION

PROPERTY INFORMATION

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9/28/18 4:53 PM

PR O PE RT Y 24116 SE 45th Pl Sammamish, WA 98029

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EXHIBIT A LEGAL DESCRIPTION

Buyer: _____________

Seller: _____________

Buyer: _____________

Seller: _____________

**Exhibit A obtained from document recorded under recording number 20210621001445 subject to change upon title examination**

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CCRs & TITLE

CCRs & TITLE

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Title Order Number: 1734535

PR CO E M LIM M IT INA M R EN Y T TIT & LE CC RS

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7,7/( 25'(5 ,6 23(1 FILE NUMBER:

1734535

TITLE COMPANY: Stewart Title Company 2820 Oakes Ave, Ste. A Everett WA 98201 TitleOfficers@stewart.com ESCROW CONTACT: (Once contract is fully executed and sent to escrow.)

Escrow Closer - Deanna Guiles Direct Line: 425.317.7326 Email: Deanna.Guiles@stewart.com Team Email: TeamDeanna@stewart.com stewart.com/en/markets/puget-sound/offices/everett.html

)25 7+( 3523(57< 2:1(5

7,7/( ,1685$&( )$4¶6 Q: What is title insurance?

A: An opinion of the condition of title to real property, backed by an Insurance policy.

Q: Why do I need title insurance?

A: When you buy a home, or a property for that matter, you expect to enjoy certain benefits from ownership. For example, you expect to be able to occupy and use the property as you wish, to be free from debts or obligations not created or agreed to by you, and to be able to freely sell or pledge your property as security for a loan. Title insurance is designed to cover these rights.

Q: What if I have a problem? Do I have to lose my property to make a claim?

A: Not at all. At the mere hint of a claim adverse to your title, you should contact your title insurer who issued you policy. Title insurance includes coverage for legal expenses which may be necessary to investigate, litigate or settle an adverse claim.

Q: What does this cost?

A: The cost varies, depending mainly on the value of your property. The important thing to remember is that you only pay once, and then the coverage continues in effect for so long as you have an interest in the covered property. If you should die, the coverage automatically continues for the benefit of your heirs. If you sell your property, giving warranties of title to your buyer, your coverage continues. Likewise, if a buyer gives you a mortgage to finance a purchase of covered property from you, your coverage continues to protect your security interest in the property.

Q: If my lender gets title insurance for its mortgage, why do I also need a policy?

A: The lender’s policy covers only the amount of its loan, which is usually not the full property value. In the event of an adverse claim, the lender ordinarily wouldn’t be concerned unless its loan became non-performing and the claim threatened the lender’s ability to foreclose and recover its principal and interest. And, in the event of a claim there is no provision for payment of legal expenses for an uninsured party.

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81'(567$1',1* 7+( %$6,&6 The Title Company begins the process of preparing a preliminary report once they have received an order for title services. Our search experts assemble various public records relating to both the property being purchased and the people involved in the transaction. After examining the information gathered, an examiner prepares the preliminary report, which shows current ownership of that specific parcel of land any liens and encumbrances the title company will not cover under the subsequent title policy.

What is the point of the preliminary report?

The preliminary report gives the conditions for The Title Company to issue a particular type of policy. It lists title defects, liens and encumbrances that would not be covered if the title policy were issued as of the date of the report. The preliminary report provides an opportunity to request that actions be taken to remove the objectionable items listed in the report.

If the objectionable items are not eliminated or released prior to the closing and transfer of title, they will be listed as exceptions on the final policy, meaning they will not be covered. For example, the seller could be required to pay a contractor who placed a lien on the property so that the lien would be removed.

Is a preliminary report just another name for the title policy?

No. The preliminary report provides the statement of the conditions needing to be addressed in order for a title policy to be issued. The preliminary report offers no representation of the condition of the property’s title. It does not create a contract of liability, which means it provides no protection to the recipient. An actual title policy must be issued in order to provide protection and prevent parties other than the policy recipient from claiming the benefit of owning the property. (continued on next page)

35(/,0,1$5< 7,7/( 5(32576

81'(567$1',1* 7+( %$6,&6 What key points should one look for in a preliminary report?

You will want to pay particular attention to the extent of ownership rights, including any possible ownership interest on the part of parties other than the seller any restrictions or claims items listed as being excluded from coverage, including liens, restrictions and interest of others (listed numerically as exceptions) interest of third parties. For example, easements limiting use of the property granted by a prior owner.

A list of standard exceptions and exclusions of items not covered by your title policy may be attached to your report; if so, you should review this as well.

Who can best explain a preliminary report?

Your title agent, your real estate agent or, should you have one, your attorney can help explain the specifics of your preliminary report. Don’t hesitate to ask any one of them to discuss the report with you.

Does the preliminary report contain the complete condition of the property’s title?

It does not. The preliminary report is merely an offer to insure upon the terms and conditions stated therein. It details matters that the title company would exclude from coverage were they to issue a policy at a later date.

CC&R’s:

COVENANTS, CONDITIONS & RESTRICTIONS Need a copy of CC&R’s?

Due to the size of the document, the CC&Rs’ for this property are available from your title company upon request.

CLOSING PROCESS

CLOSING PROCESS

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THE PROCESS FOR:

BUYING A HOUSE Preparing to shop Prequalifying for loan/financing Compiling a list of needs/wants Finding a real estate broker to employ

Visiting properties & ranking houses

Making the offer

Negotiating, if necessary

Executing the contract

Opening escrow & sending earnest money

Closing process/Document signing

Moving In!!!

CONGRATULATIONS! The content in this flyer is intended for general information. It is not intended as legal advice and is subject to change without notice.

WHAT HAPPENS:

CONTRACT TO CLOSING There’s a lot that happens between the time a buyer finds a house and the day they own it. To help you better understand what happens after the Sold sign is posted, we’ve listed the seven basic steps of transferring a land title.

The content in this flyer is intended for general information. It is not intended as legal advice and is subject to change without notice.

SPOTTING THE RED FLAGS:

WIRE FRAUD & CYBERCRIME 1

Emails requesting a change in wiring instructions

2

Emails sent just minutes apart to create urgency

3

Refusals or excuses in order to avoid discussing transactions by phone

4

Misspelled words or using poor grammar

5

Requests that the transaction be kept confidential

6

Suspicious-looking email addresses or domains

7

Suspicious behavior

8

A name on the account that doesn’t match the name in the file

9

Change in bank account number and./or beneficiary name receiving wired funds

Work with a title and escrow settlement services provider who works hard to keep transactions safe.

COMMUNITY COMMUNITY

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CI TY

Sammamish Washington

Kl ah an ie Klahanie Association 4210 244th Pl SE Sammamish, WA 98029 425-392-4663

Pools Kl ah an ie

Kl ah an ie

Sports Klahanie will be offering youth tennis lessons throughout the summer for those who are looking for a great way to stay active, learn a new sport (or improve, if you're already a pro!), and have fun while enjoying the outdoors.

Kl ah an ie

Recreation Lakeside Park

Yellow Lake

Kl ah an ie

Re st au ra nt s August Moon Chinese Restaurant 2904 228th Ave SE Sammamish

Papaya Sammamish 22610 SE 4th St Ste. 402 Sammamish

Tanoor Sammamish 22610 SE 4th St #400 Sammamish

Pagliacci Pizza 22830 NE 8th St Sammamish

MOD Pizza 22833 NE 8th St Sammamish

Big Fish Sushi 22639 NE Inglewood Hill Rd Sammamish

Pine Lake Ale House 640 228th Ave NE Sammamish

Zeeks Pizza 22610 SE 4th St #404 Sammamish

Re st au ra nt s Himitsu Teriyaki 3010 Issaquah-Pine Lake Rd SE Sammamish

Big Block Brewing 3310 E Lake Sammamish Pkwy SE Sammamish

Mommy's Kitchen 23024 NE 8th St Sammamish

LaCasita 3075 Issaquah-Pine Lake Rd SE Sammamish

Chipotle Mexican Grill 22704 SE 4th St Ste 210 Sammamish

Sammamish Cafe & Spirits 22850 NE 8th St Sammamish

The Habit Burger Grill 620 228th Ave NE #2 Sammamish

Nasai Teriyaki 22850 NE 8th St Sammamish

ls ai Tr s& rk Pa Klahanie Park 25000 SE Klahanie Blvd Issaquah Klahanie Park is a 64 acre park located next to Challenger Elementary School. This park consists of multiple sports fields, a trail, a small play structure, natural areas and the protected Queen's Bog, which is one of roughly fifty bogs located in Washington State. A popular park for sports practices, games and camps. Klahanie Park is also currently the only park that boasts a cricket field.

PARK HOURS: 6:30 am - Dusk from April - September 7:30 am - Dusk from October - March AMENITIES: Play Structures Restroom Facility Trails Sport Fields Baseball Cricket Lacrosse Soccer Softball https://www.sammamish.us/parks-recreation-facilities/parks-trails/klahanie-park/

ls ai Tr s& rk Pa Pine Lake Park 2401 228th Ave SE Sammamish This 19 acre wooded park is located along the shores of Pine Lake and boosts beautiful views, as well as lots of amenities. With recreational opportunities for everyone, Pine Lake Park is one of Sammamish's most popular parks.

PARK HOURS: 6:30 am - Dusk from April - September 7:30 am - Dusk from October - March AMENITIES: Barbecue Grills Beach Picnic Shelters Play Structures Restroom Facility Trails Basketball Court Sport Field Baseball Lacrosse

Soccer Softball Boat Launch Car-top launch only for canoes and kayaks Dock Fishing Last weekend of April thru October License required over 14 years old Lifeguards

LIFEGUARDS: The 2022 lifeguard program will happen this year and please look out for opening date and times in the near future. https://www.sammamish.us/parks-recreation-facilities/parks-trails/pine-lake-park/

ls ai Tr s& rk Pa Beaver Lake Park (North Side) 25101 SE 24th St Sammamish (South Side) 2526 244th Ave SE Sammamish Beaver Lake Park is 83 acres with parking lots located in the north and west with a large forested section and trails located in the middle.

The north side of the park offers a quiet atmosphere, access to Beaver Lake, two rental facilities, open grass areas and a large meadow. Restrooms are located on the west end of the Lodge.

The west side of Beaver Lake Park offers three sports fields, a playground, picnic shelter, off-leash dog park and restrooms.

AMENITIES: Barbecue Grills Beach Picnic Shelter Play Structures Restroom Facility Trails

Sport Fields Fishing Baseball License required over 14 years old Soccer (Modified) Year-round season Softball Off Leash Dog Park Boat Launch Rental Facilities Limited to crafts carried from parking lot to lake Public boat ramp at 2519 E Beaver Lake Drive SE

https://www.sammamish.us/parks-recreation-facilities/parks-trails/beaver-lake-park/

ls ai Tr s& rk Pa East Sammamish Park 21300 NE 16th St Sammamish This 19 acre park, located next to Margaret Mead Elementary School, is a popular destination for kids and their families. The brightly colored playground equipment a big draw but the park also boasts lots of amenities and a large parking lot. Eight months out of the year, the park is highly used by sports groups for practices, games and camps.

PARK HOURS: 6:30 am - Dusk from April - September 7:30 am - Dusk from October - March AMENITIES: Barbecue Grills Picnic Shelter Play Structures Restroom Facility Trails Sport Fields Baseball Lacrosse Soccer Softball Tennis Courts

https://www.sammamish.us/parks-recreation-facilities/parks-trails/pine-lake-park/

ls ai Tr s& rk Pa Sammamish Landing Park 4607 E Lake Sammamish Parkway NE Sammamish Sammamish Landing is an 8 acre site located along the eastern shoreline of Lake Sammamish.

There are three beach areas, as well as two docks and a picnic shelter. The park also features a historic artifact display and interpretive signage that commemorate the railroad that formerly ran along East Lake Sammamish Trail.

As the only public property along the shoreline of Lake Sammamish within Sammamish city limits, this park is a popular destination. King County property and the East Lake Sammamish Trail bisects the park property.

There is a parking lot located across the street from the park. Additional parking is available in designated areas along the street.

PARK HOURS: 6:30 am - Dusk from April - September AMENITIES: 7:30 am - Dusk from October - March Barbecue Grills

Beach Picnic Shelter Portable Restrooms Trails Dock Fishing - Last weekend of April thru October License required over 14 years old

https://www.sammamish.us/parks-recreation-facilities/parks-trails/sammamish-landing-park/

SCHOOL INFORMATION

SCHOOL INFORMATION

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SC HO O LS Issaquah School District

Sunny Hills Elementary School Pacific Cascade Middle School Issaquah High School

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MISCELLANEOUS MISCELLANEOUS

HomeBookCoverTabs-Rnd2-full-bleed.indd 5

9/28/18 4:53 PM

M IS CE LL AN EO US

Miscellaneous Utilities Staging Decluttering Cleaning Hacks Checklist Budget Basics Homeownership Coverage Comparison Flood vs. Home Insurance Home Selling Tips Home Warranty Moving Timetable

LOCAL UTILITY CONTACTS King County Cable/Phone/Internet

Contact #

Waste/Garbage

Contact #

Website

AT&T

(800) 331-0500 att.com

City of Kirkland

(425) 587-3000

ci.kirkland.wa.us Kirkland

CenturyLink

(866) 642-0444 centurylink.com

CleanScapes

(206) 763-4444

cleanscapes.com

Comcast/Xfinity

(800) 266-2278 comcast.com

(206) 682-3037

rabanco.com

DirectTV

(800) 595-9931 directsattv.com

(425) 646-2400

republicservices.com

DISH Network

(800) 823-4929 dish.com

Rabanco Eastside Disposal Republic Services (formerly Allied) Seattle Public Utilities

(206) 684-2489

seattle.gov

Skynet Broadband

(360) 802-6657 skynetbb.com

Waste Connections

(877) 288-9269

wcnx.org

Verizon

(800) 337-4966 verizon.com/home/services

(800) 592-9995

wmnorthwest.com

Wave Broadband

(866) 928-3123 wavebroadband.com

Waste Management Northwest Xfinity/Comcast

(800) 266-2278

comcast.com

Website

Electricity/Natural Gas

Newspaper

Northshore Utility District (425) 398-4400 nud.net

(206) 448-8000

seattlepi.com

(206) 464-2121

seattletimes.com

Puget Sound Energy

(888) 225-5773 pse.com

Seattle Post Intelligencer Seattle Times

Seattle City Light

(206) 684-3000 seattle.gov/light

USA Today

(800) 872-0001

offers.usatoday.com

Tanner Electric Coop

(425) 888-0623 tannerelectric.coop

Wall Street Journal

(800) 975-8609

subscribe.wsj.com

Cedar River Water & Sewer District

(425) 255-6370 crwsd.com

Lake Forest Park Water District

(206) 365-3211

lfpwd.org

City of Bellevue

(425) 452-6932 ci.bellevue.wa.us

Lake Margaret Water System

(425) 844-2193

lakemargaret.org

City of Black Diamond

(360) 886-5700 ci.blackdiamond.wa.us

Lakehaven Utility District

(253) 941-1516

lakehaven.org

City of Bothell

(425) 486-6250 ci.bothell.wa.us

Midway Sewer District

(206) 824-4960

midwaysewer.org

City of Carnation

(425) 333-4192 ci.carnation.wa.us

NE Sammamish Sewer & Water

(425) 868-1144

nesswd.org

City of Duvall

(425) 788-3434 duvallwa.gov

North Bend Water District #19

(206) 463-9007

water19.com

City of Enumclaw

(360) 825-5541 ci.enumclaw.wa.us

Northshore

(425) 398-4400

nud.net

City of Issaquah

(425) 837-3000 ci.issaquah.wa.us

Ronald Wastewater District (206) 546-2494

ronaldwastewater.org

City of Kent

(253) 856-5201 ci.kent.wa.us

Shoreline Sammamish Plateau

(425) 392-6256

ci.sammamish.wa.us

City of Kirkland

(425) 587-3150 ci.kirkland.wa.us

Shoreline Water District

(206) 362-8100

shorelinewater.org

City of Mercer Island

(206) 275-7783 ci.mercer-island.wa.us

(206) 772-7343

skywayws.org

City of Newcastle

(425) 235-9200 ci.newcastle.wa.us

Skyway Water and Sewer District Snoqualmie Pass Utilities District

(425) 434-6600

snopassutility.com

City of North Bend

(425) 888-7075 northbendwa.gov

Soos Creek (sewer for Covington)

(253) 630-9900

sooscreek.com

City of Redmond

(425) 556-2152 ci.redmond.wa.us

Southwest Suburban Sewer (206) 244-9575 District

swssd.com

City of Renton

(425) 430-6852 rentonwa.gov

Val Vue Sewer District

(206) 242-3236

valvue.com

City of Seattle (Seattle Public Utilities) Coal Creek Utilities District

(206) 684-3000 seattle.gov

Valley Water District

(253) 841-9698

valleywaterdistrict.com

(425) 235-9200 ccud.org

Vashon Northshore Utility District

(425) 398-4400

nud.net

Covington (water only)

(253) 631-0565 covingtonwater.com

Vashon Sewer District

(206) 463-9219

Fall City Water District

(425) 222-7882 fallcity.org

Woodinville Water District

(425) 487-4100

Highline Water District

(206) 824-0375 highlinewater.org

Water/Sewer

woodinvillewater.com

WASHINGTON:

OUR STATE STATE NAMED For President George Washington, our Nation’s First President STATE NICKNAME The Evergreen State

STATE MOTTO Al-Ki (Chinook for “by and by”)

ENTERED THE UNION On November 11, 1889

STATE CAPITOL Olympia

LARGEST CITY Seattle STATE FLOWER Rhododendron

STATE ROCK Petrified Wood

STATE TREE Western Hemlock

STATE COLORS Green and Gold

STATE BIRD Willow Goldfinch

STATE FISH Steelhead Trout

STATE DANCE Square Dance

STATE SONG Washington, My Home

STATE ROCK SONG Louie Louie (unofficial)

AREA: Washington has a total of 71,298 square miles; 18th biggest state in the U.S.

POPULATION: As of 2018 census estimated 7,530,552 versus 6,971,406 in 2013.

AGRICULTURE: An estimated 39,500 farms power a diverse agricultural economy, led by the state's apple industry with 70% of U.S. production. Wheat, Milk, Potatoes, Hay, Cattle, Cherries, Nurseries, Grapes and Pears are other top commodities. WA is 2nd in the nation in Wine production.

WA DESTINATIONS:

TOP 10 “MUST SEE” 1. MOUNT RAINIER 2. OLYMPIC NATIONAL PARK 3. SEATTLE 4. SAN JUAN ISLANDS 5. MOUNT ST. HELENS 6. GRAND COULEE DAM 7. LAKE CHELAN 8. COLUMBIA RIVER GORGE 9. SNOQUALMIE FALLS 10. FERRY RIDE ON THE PUGET SOUND For information on each of these attractions, visit the Travel Washington website at: http://www.travel-in-wa.com

PUGET SOUND AREA:

ACTIVITIES & ENTERTAINMENT Things to Do The Puget Sound Region is full of dynamic and cosmopolitan cities framed by inspirational lakes, pristine ocean bays and rugged mountains. It is a virtual smorgasbord of possibility, from recreational opportunities in unrivaled natural settings to urban delights in the arts and culture offered in world-class museums, theatres and other venues. An area rich in history, from the Northwest Native American cultures and Alaska Yukon gold rush days, to Seattle’s iconic Space Needle and corporate giants in aviation and the dot-com. Whether you’re looking for fun, excitement, education or romance, this region offers an unrivaled choice of diverse activities.

Experience Washington is the official travel and tourism website for the state.

Visit their site to discover and plan things to do in all regions of Washington.

You can also contact them at 1-800-544-1800. www.experiencewa.com For a listing of suggested attractions, coupons and other visitor’s resources check out: The Puget Sound Attractions Council website at: www.seattleattractions.com

● ● ● ●

Arts, Culture, Heritage Gaming Golf Courses Wineries

● Outdoor Activities ● Live Performances ● Skiing ● Breweries/Spirits

● ● ● ●

Family Fun Zoos/Aquariums Sports Teams Natural Scenic Byways

The GoNorthwest Online Travel Guide offers a listing by Puget Sound City of attractions, accommodations, visitors information, activities and more.

It can be found at: www.gonorthwest.com

PUGET SOUND AREA:

WINERIES & BREWERIES About the Wine Industry in Washington Winemakers from all over the world have chosen to establish themselves in Washington, where they can create wines reflecting this region's unique characteristics.

National rank: 2nd largest premium wine producer in the United States Number of wineries: 850+

Number of wine grape growers: 350+

Appellations: Thirteen American Viticultural Areas (AVAs), as recognized and defined by the US Treasury Department; Alcohol & Tobacco Taxes & Trade Bureau 1. Yakima Valley - 1983 8. Wahluke Slope - 2006 2. Walla Walla Valley - 1984 9. Rattlesnake Hills - 2006 3. Columbia Valley - 1984 10. Snipes Mountain - 2009 4. Puget Sound - 1995 11. Lake Chelan - 2009 5. Red Mountain - 2001 12. Naches Heights - 2011 6. Columbia Gorge - 2004 13. Ancient Lakes of 7. Horse Heaven Hills - 2005 Columbia Valley - 2012 Visit the Washington State Wine website at: washingtonwine.org About the Washington State Beer Commission & Industry The Washington Beer Commission was ratified by the Washington State Legislature on September 6, 2006 as an Agricultural Commodity Commission, becoming the first commodity commission for craft beer in the U.S. Through RCW 15.89 the state granted the commission the opportunity to produce up to 12 beer tasting festivals per year and to use the proceeds to promote and market Washington’s craft breweries. An assessment of ten cents per barrel produced by each brewery (with a cap assessment of $1,000) was also a part of the legislation. Washington state now boasts 240+ breweries and I s still the only state in the nation with a beer commission.

Visit the WA Beer Commission website at: washingtonbeer.com Download the Washington Beer Mobile App: iTunes Google

1) You will make more money. U.S. Housing and Urban Development reports that a staged house sells, on average, 17% higher than a non-staged house.

2)

A Home Gain Survey of over 2000 Realtors discovered that sellers who spent up to $1,000 staging their home recovered almost 200% of the cost in the sale of their home.

3) Most home sellers cannot view their house objectively. work yourself.

4)

A professional home stager can manage your projects from start to finish OR give you a detailed enough report based on their extensive knowledge and training to have you

5) Only 10% of homebuyers can visualize the potential of a home.

6) Studies show that the longer your home stays on the market the lower your selling price will be.

7) Staging is designed to differentiate a house. Create emotion, which translates into more offers and more money. Staging is about the creativity, not the money.

8) Staging helps with the vision. Buying a house is largely an emotional decision because people are not just purchasing a home; they are buying a dream...a lifestyle.

9) When it comes to staging a home, the beauty lies not only in the art but in the numbers. Staging can transform a home from ugly duckling to swan.

10) Keep in mind what If you remove throw or area rugs, eliminate clutter and collections, and cut down on furniture and accessories, the room will appear to be more airy and spacious. It's all about flow.

By dethe space to envision their own dreams within the home. Here are a few tips for staging a home properly with tips on staging mistakes to avoid: KEYS TO STAGING A HOME PROPERLY¹ Whether you want to or not, be sure to disclose everything about the property Fix all running toilets the sound of echoing pipes is a sound that could spook off customers

To get a feel for what spaciousness, simplicity, neutral colors and décor can do for your home sales, visit model homes to see how they do it To freshen up the kitchen area, cut one lemon in half and grind it in the garbage disposal Display foliage in moderation; be mindful to invest in quality plants that are either silken or easy to maintain Ask yourself if all of the decorative items in the home are really needed, or if they can be put away (for example, do you really need three statuettes of turtles on the kitchen counter? Perhaps just clear the counter off completely) Listen to the pros and hire an agent to assist you with your real estate needs STAGING MISTAKES² Leave no section of your home un-staged be prepared for potential buyers with a critical eye for details, including cleanliness -smelling scents such as vanilla or lemon; refrain from using over-powering scents Do not leave any family photographs, mail, documents or other personal information out on countertops also, if you keep pictures or personal items tacked on your refrigerator, remove those as well.

Keep personal items in a hidden, well-protected place; create a non-cluttered, neutral environment in which a potential buyer can picture themselves living there (not the family currently living there) Be sure the closet spaces are cleared out you want your potential buyers to see how much storage space they may find handy If a DIY project has been left unfinished, either clean it up or clear it out Not everyone is pet-friendly; when showing a home, please remove your furry friends during a showing Be sure the food pantry, laundry room and garage are well-organized and clean; only leave items in those storage spaces that pertain directly to the space itself; all other knickknacks or untidy items should be removed -

-

-

-

-

-

-

-

-

-

Every well-run household has its own unique solutions and quick fixes to keep it humming smoothly.

Here are a few favorite and clever pearls of domestic wisdom to add to your collection.

sooner!

Keep candles in the refrigerator for several hours before you use to slow down dripping and make them last longer.

30 minutes. The light vinegar smell dissipates quickly, taking odors with it.

The best way to attack cooked-on spatters in your microwave: Heat a half-cup of water for two minutes on high. The steam will soften the food and the mess will wipe right out.

When run through your coffee grinder, a handful of dried rice will sharpen the blades.

After your next party, share flat, leftover beer with your garden. The plants love the yeast.

them in their tracks.

Your chimney will stay clean if you throw a handful of salt on the fire.

Fill nail holes with a paste made of cornstarch and water. Works just as well as putty!

When a wooden door or gate sticks, bring out the hair dryer. By blowing hot air directly on the wood where

Squeaky doors? For a drip less solution, use petroleum jelly on the hinges instead of oil.

Simmer a sliced apple and a couple of cinnamon sticks in water on the stove. Your whole house will smell like apple pie.

Place unusable remnants of soap in a ventilated plastic bag and pack it away with seasonal clothes. This will keep the moths away, and your clothes will smell much better when you take them out of storage.

Leather needs to breathe, so never hang coats or jackets in plastic. Instead, make a dust cover from a pillowcase by cutting a hole in the top for a hanger.

BEFORE MOVING DAY Pack all family records in a separate box and keep it with you (not in the moving van) when you move. Include your irreplaceable records and other valuable, there is nothing they can do to get them back.

-of-address forms to magazines, service organizations, DMV/DOL and others. Go to the post office and complete a mail forwarding form. Also, consider sending electronic change-of-address cards to your friends. Check the Internet for sites that offer these cards for free.

postcards as you say goodbye.

Call the telephone and utility companies to close or transfer your accounts and let them know your new address. Your final bills will arrive there.

Be sure that the new tenants (or property manager) have the code for the alarm system.

ON MOVING DAY Turn off and unplug all appliances. Check the refrigerator, air conditioner, clothes washer, dryer, and other appliances. As a courtesy to the new tenants, leave the plugs and their wall sockets in plain view and accessible.

Turn off the automatic sprinkling system (or set it to automatic, if appropriate)

tenants arrive.

unoccupied.

Secure and lock all doors and gates. Remove any locks to which you own a key or combination (or leave the key or combination for the new occupants).

online, mail-in form, or at a local branch and set your mail to forward.

Utilities & Services Electric Gas Water Garbage Sewer Recycle Telephone/Mobile Cable/Satellite Internet Fuel Water Delivery/Water Treatment Pool Services Lawn/Garden Services Housecleaning Services Physicians/Dentists/Veterinarian Attorney Real Estate Broker Lender Pharmacy/Drug Store Dry Cleaners Subscriptions Newspapers Magazines Book and Music Clubs Family Schools Clubs (Athletic, misc.)

Relatives, Friends, Business Associates

Financial & Personal Accounts Employer/Benefits/401K Banks Loan Institutions Financial Advisor/Investments Major Credit Card Companies Department Store Credit Cards Insurance Agencies (Health, Home/Life & Auto) Charge Accounts Pension Plans Air Miles Rewards Program Accountant/Tax Consultant Charities Professional Memberships/Licensing Boards Government & Public Offices Post Office Veteran Affairs Income Tax/IRS Family Support Social Security Pension Benefits Unemployment Insurance Vehicle Registration Driving License

1) You will make more money. U.S. Housing and Urban Development reports that a staged house sells, on average, 17% higher than a non-staged house.

2)

A Home Gain Survey of over 2000 Realtors discovered that sellers who spent up to $1,000 staging their home recovered almost 200% of the cost in the sale of their home.

3) Most home sellers cannot view their house objectively. work yourself.

4)

A professional home stager can manage your projects from start to finish OR give you a detailed enough report based on their extensive knowledge and training to have you

5) Only 10% of homebuyers can visualize the potential of a home.

6) Studies show that the longer your home stays on the market the lower your selling price will be.

7) Staging is designed to differentiate a house. Create emotion, which translates into more offers and more money. Staging is about the creativity, not the money.

8) Staging helps with the vision. Buying a house is largely an emotional decision because people are not just purchasing a home; they are buying a dream...a lifestyle.

9) When it comes to staging a home, the beauty lies not only in the art but in the numbers. Staging can transform a home from ugly duckling to swan.

10) Keep in mind what If you remove throw or area rugs, eliminate clutter and collections, and cut down on furniture and accessories, the room will appear to be more airy and spacious. It's all about flow.

By dethe space to envision their own dreams within the home. Here are a few tips for staging a home properly with tips on staging mistakes to avoid: KEYS TO STAGING A HOME PROPERLY¹ Whether you want to or not, be sure to disclose everything about the property Fix all running toilets the sound of echoing pipes is a sound that could spook off customers

To get a feel for what spaciousness, simplicity, neutral colors and décor can do for your home sales, visit model homes to see how they do it To freshen up the kitchen area, cut one lemon in half and grind it in the garbage disposal Display foliage in moderation; be mindful to invest in quality plants that are either silken or easy to maintain Ask yourself if all of the decorative items in the home are really needed, or if they can be put away (for example, do you really need three statuettes of turtles on the kitchen counter? Perhaps just clear the counter off completely) Listen to the pros and hire an agent to assist you with your real estate needs STAGING MISTAKES² Leave no section of your home un-staged be prepared for potential buyers with a critical eye for details, including cleanliness -smelling scents such as vanilla or lemon; refrain from using over-powering scents Do not leave any family photographs, mail, documents or other personal information out on countertops also, if you keep pictures or personal items tacked on your refrigerator, remove those as well.

Keep personal items in a hidden, well-protected place; create a non-cluttered, neutral environment in which a potential buyer can picture themselves living there (not the family currently living there) Be sure the closet spaces are cleared out you want your potential buyers to see how much storage space they may find handy If a DIY project has been left unfinished, either clean it up or clear it out Not everyone is pet-friendly; when showing a home, please remove your furry friends during a showing Be sure the food pantry, laundry room and garage are well-organized and clean; only leave items in those storage spaces that pertain directly to the space itself; all other knickknacks or untidy items should be removed -

-

-

-

-

-

-

-

-

-

Every well-run household has its own unique solutions and quick fixes to keep it humming smoothly.

Here are a few favorite and clever pearls of domestic wisdom to add to your collection.

sooner!

Keep candles in the refrigerator for several hours before you use to slow down dripping and make them last longer.

30 minutes. The light vinegar smell dissipates quickly, taking odors with it.

The best way to attack cooked-on spatters in your microwave: Heat a half-cup of water for two minutes on high. The steam will soften the food and the mess will wipe right out.

When run through your coffee grinder, a handful of dried rice will sharpen the blades.

After your next party, share flat, leftover beer with your garden. The plants love the yeast.

them in their tracks.

Your chimney will stay clean if you throw a handful of salt on the fire.

Fill nail holes with a paste made of cornstarch and water. Works just as well as putty!

When a wooden door or gate sticks, bring out the hair dryer. By blowing hot air directly on the wood where

Squeaky doors? For a drip less solution, use petroleum jelly on the hinges instead of oil.

Simmer a sliced apple and a couple of cinnamon sticks in water on the stove. Your whole house will smell like apple pie.

Place unusable remnants of soap in a ventilated plastic bag and pack it away with seasonal clothes. This will keep the moths away, and your clothes will smell much better when you take them out of storage.

Leather needs to breathe, so never hang coats or jackets in plastic. Instead, make a dust cover from a pillowcase by cutting a hole in the top for a hanger.

BEFORE MOVING DAY Pack all family records in a separate box and keep it with you (not in the moving van) when you move. Include your irreplaceable records and other valuable, there is nothing they can do to get them back.

-of-address forms to magazines, service organizations, DMV/DOL and others. Go to the post office and complete a mail forwarding form. Also, consider sending electronic change-of-address cards to your friends. Check the Internet for sites that offer these cards for free.

postcards as you say goodbye.

Call the telephone and utility companies to close or transfer your accounts and let them know your new address. Your final bills will arrive there.

Be sure that the new tenants (or property manager) have the code for the alarm system.

ON MOVING DAY Turn off and unplug all appliances. Check the refrigerator, air conditioner, clothes washer, dryer, and other appliances. As a courtesy to the new tenants, leave the plugs and their wall sockets in plain view and accessible.

Turn off the automatic sprinkling system (or set it to automatic, if appropriate)

tenants arrive.

unoccupied.

Secure and lock all doors and gates. Remove any locks to which you own a key or combination (or leave the key or combination for the new occupants).

online, mail-in form, or at a local branch and set your mail to forward.

Utilities & Services Electric Gas Water Garbage Sewer Recycle Telephone/Mobile Cable/Satellite Internet Fuel Water Delivery/Water Treatment Pool Services Lawn/Garden Services Housecleaning Services Physicians/Dentists/Veterinarian Attorney Real Estate Broker Lender Pharmacy/Drug Store Dry Cleaners Subscriptions Newspapers Magazines Book and Music Clubs Family Schools Clubs (Athletic, misc.)

Relatives, Friends, Business Associates

Financial & Personal Accounts Employer/Benefits/401K Banks Loan Institutions Financial Advisor/Investments Major Credit Card Companies Department Store Credit Cards Insurance Agencies (Health, Home/Life & Auto) Charge Accounts Pension Plans Air Miles Rewards Program Accountant/Tax Consultant Charities Professional Memberships/Licensing Boards Government & Public Offices Post Office Veteran Affairs Income Tax/IRS Family Support Social Security Pension Benefits Unemployment Insurance Vehicle Registration Driving License

WORKSHEET ON:

BUDGET BASICS INCOME TAKE HOME PAY (ALL FAMILY MEMBERS) CHILD SUPPORT/ALIMONY PENSION/SOCIAL SECURITY DISABILITY/OTHER INSURANCE INTEREST/DIVIDENDS OTHER TOTAL INCOME EXPENSES RENT/MORTGAGE (INCLUDE TAXES, PRINCIPAL, AND INSURANCE) LIFE INSURANCE HEALTH/DISABILITY INSURANCE VEHICLE INSURANCE HOMEOWNER’S OR OTHER INSURANCE CAR PAYMENTS OTHER LOAN PAYMENTS SAVINGS/PENSION CONTRIBUTION UTILITIES (GAS, WATER, ELECTRIC, PHONE) CREDIT CARD PAYMENTS CAR UPKEEP (GAS, MAINTENANCE, ETC.) CLOTHING PERSONAL CARE PRODUCTS (BEAUTY, HYGEIENE, ETC.) GROCERIES FOOD OUTSIDE THE HOME (RESTAURANT MEALS AND CARRYOUT) MEDICAL/DENTAL/PRESCRIPTIONS HOUSEHOLD GOODS (HARDWARE, LAWN, AND GARDEN) RECREATION/ENTERTAINMENT CHILD CARE EDUCATION (CONTINUING EDUCATION, CLASSES, ETC.) OTHER MISCELLANEOUS TOTAL EXPENSES

NET INCOME (TOTAL INCOME - TOTAL EXPENSES)

WORKSHEET ON:

ESTIMATED UTILITIES ELECTRICITY COMPANY: ESTIMATED SUMMER MONTHLY COST: ESTIMATED WINTER MONTHLY COST:

WATER/SEWER COMPANY: ESTIMATED MONTHLY COST:

NATURAL GAS COMPANY: ESTIMATED SUMMER MONTHLY COST: ESTIMATED WINTER MONTHLY COST:

TELEPHONE/DSL COMPANY: ESTIMATED MONTHLY COST:

CABLE TELEVISION COMPANY: ESTIMATED MONTHLY COST:

GARBAGE/RECYCLE COMPANY: ESTIMATED MONTHLY COST: GARBAGE PICK UP DAY: RECYCLABLES PICK UP DAY:

YARD CARE COMPANY: ESTIMATED MONTHLY COST:

OTHER COMPANY: ESTIMATED MONTHLY COST:

OTHER COMPANY: ESTIMATED MONTHLY COST:

TOTAL ESTIMATED MONTHLY UTILITIES:

CHECKLIST:

FOR SELLERS INTERIOR ATTIC: ❑Check underside of roof for leaks, stains or dampness ❑Look around chimney for condensation or signs of water ❑Clean and clear ventilation openings if necessary

KITCHEN: ❑ Wash all appliances ❑Clean ventilator or exhaust fan ❑Remove accumulation of grease or dust from tiles, walls and floors

WALLS AND CEILINGS: ❑Check condition of paint and wallpaper ❑Repair cracks, holes or damage to plaster or wallboard

BASEMENT: ❑ Remove clutter ❑Check for signs of dampness, cracked walls or

WINDOWS AND DOORS: ❑Check for smooth operation ❑Replace broken or cracked panes ❑Repair glazing ❑Check condition of weather stripping and caulking ❑Examine paint ❑Test doorbell or chimes ❑Test security system ❑ Wash windows and woodwork, if necessary

damaged floors ❑Inspect structural beams

FLOORS: ❑ Inspect for creaking boards, loose or missing tiles,

PLUMBING SYSTEM: ❑ Check water pressure when taps in bathroom(s)

worn areas ❑ Check baseboards and moldings

❑Check pipes for leaks ELECTRICAL SYSTEM: ❑ Check exposed wiring and outlets for signs of wear or damage ❑Repair broken switches and outlets

❑Label each circuit or fuse

and kitchen are turned on ❑Look for leaks at faucets and sink traps

❑ Test the staircases for loose handrails, posts or treads

❑Clear slow-running or clogged drains ❑Bleed air off radiators if needed, and check for

BATHROOMS: ❑ Check tile joints, grouting and caulking ❑ Remove mildew ❑ Repair leaking faucets and shower heads ❑ Check the condition of painted or papered walls ❑ Test operation of toilet

leaking valves

HEATING AND COOLING SYSTEMS: ❑ Change or clean furnace and air-conditioning filters ❑Have equipment serviced, if needed

❑Clear and clean area around heating and cooling equipment

CHECKLIST:

FOR SELLERS EXTERIOR

WHAT SHOULD YOU DO DURING A SHOWING?

ROOF AND GUTTERS: ❑ Repair or replace loose, damaged or blistered shingles ❑ Clean gutters and downspout strainers ❑ Check gutters for leaks and proper alignment ❑ Inspect flashings around roof stacks, vents, skylights and

Turn off the TV. and have soft music playing. If at all possible, vacate your home so the buyer’s agent and buyer can talk about your home, without them feeling like you are listening or that they might hurt your feelings with something they say.

chimneys ❑ Clear obstructions from vents, louvers and chimneys

❑ Check facias and soffits for decay and peeling paint ❑ Inspect chimney for any loose or missing mortar EXTERIOR WALLS: ❑ Re-nail loose siding and check for warping or decay ❑ Paint siding, if necessary ❑ Check masonry walls for cracks or any other damage ❑ Replace loose or missing caulking DRIVEWAY: ❑ Repair concrete or blacktop, if necessary GARAGE: ❑ Lubricate hinges and other hardware on your garage door ❑ Inspect doors and windows for any peeling paint

❑ Check condition of glazing around all windows ❑ Test electrical outlets FOUNDATION: ❑ Check walls, steps, retaining walls, walkways and patios for cracks, heaving or crumbling

YARD: ❑ Mow lawn, reseed or sod, if necessary ❑ Trim hedges, prune trees and shrubs ❑ Weed and mulch flower beds

If you are home when an agent and buyer arrive, greet them at the door and if possible go for a walk or drive. If you have children or pets, take them with you.

If you cannot vacate your home, then let the agent know and try to confine yourself to a particular area of the home. Be available to answer questions, but do not escort the buyer and agent through your home.

OTHER/MISC. ITEMS:

REMINDERS FOR FALL/WINTER:

HOME MAINTENANCE Owning a home can be a dream come true. But without regular maintenance, your home can become a nightmare. Here is a handy fall-winter maintenance checklist to use to you can ensure your home remains your haven all winter long.

OUTSIDE ❑ Add new mulch to flower beds to prevent weeds. Fertilize the lawn and cut back any plants that go dormant in winter.

❑Repair and clean out any loose gutters and downspouts. ❑Check insulation on pipes and purchase pipe covers for potential freezes. ❑ If your home has underground sprinklers, blow out the water in the pipes to prevent residual water from freezing and damaging the piping.

❑Put a screen on dryer vents leading outside. This will deter any small animals from seeking warmth in your home.

❑Winterize all gas-powered lawn equipment. For example, put stabilizer in lawn mowers. ❑Purchase any tools needed for removing snow or ice, and put reflectors along the driveway to facilitate snow removal.

INSIDE ❑Change air filters in HVAC system and return-air registers. ❑Have your furnace serviced to make sure it’s running safely. ❑Open and clean out the chimney flue. ❑Check batteries in fire and smoke alarms and in carbon monoxide detectors. Recharge or replace fire extinguishers.

❑Check weather stripping around doors and windows, and add insulation or caulking where needed.

REMINDERS FOR SPRING:

HOME MAINTENANCE Show your home’s interior and exterior some much-needed TLC and take spring-cleaning to the next level.

Don’t know where to start? Use this list to help you tackle spring maintenance like a pro.

❑ Change HVAC filter monthly. ❑Inspect roof for damage or leaks. ❑Clean garbage disposal. ❑ Wash exteriors of windows. ❑Touch up peeling or damaged paint. ❑Clean outdoor grill and patio furniture. ❑Fertilize lawn ❑Get A/C serviced in preparation for summer. ❑Check exterior drainage. ❑Vacuum refrigerator coils. ❑Clean out gutters.

❑Flush water heater and remove sediment. ❑Clean and vacuum curtains. ❑Clear dead plants and shrubs. ❑Test carbon-monoxide and smoke detectors. ❑Rotate or flip mattresses and cushions.

THE ADVANTAGES OF HOMEOWNERSHIP

The decision to purchase a new home brings a sense of financial integrity and stability. Whether it’s a place to make your own, more space for a growing family or an investment opportunity, the home-buying process is an exciting time. One of the biggest motivations for buying your home is financial security. Buying a home is a sound financial decision for a number of reasons.

Accumulation of Equity

When you buy your house and pay your monthly mortgage, you can gradually accumulate what lenders call equity. Equity is an ownership interest in the property that you can convert into cash by borrowing against it or by selling your house. As a renter, you lose the opportunity to build equity. As a homeowner, paying your mortgage can help you attain financial freedom.

Stable Housing Costs

Another advantage to homeownership is that mortgage payments can remain unchanged throughout the life of your mortgage. Renters may face an increase in rent payments year after year.

With a fixed rate mortgage, over time your monthly payments remain the same as other costs of living can increase due to inflation. As a homeowner, you have the advantage of knowing what your housing costs will be far into the future.

Increased Value

Tax Benefits

As a homeowner, you will enjoy significant tax breaks that are not available to renters. The most important tax benefit of homeownership is that interest paid on your home mortgage is usually deductible. This fact alone can save you a substantial amount each year in federal income taxes.

Contact us for more information on the home-buying process and why we’re the right company for you.

Houses typically increase in value, or appreciate, over time. It’s not unusual to find a house that sold for $150,000 fifteen years ago to be valued as much more today. Appreciation is like money in the bank to you as the homeowner.

All fees and processes are subject to local real estate practices. For specific information about your transaction, please consult your real estate professional, loan officer or escrow officer.

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BUYING A HOME? HERE’S WHAT TO CONSIDER.

Buying a home can be both an exciting and intimidating process. It’s important to not let either emotion mask your ability to pay attention to pertinent details while house hunting. We’ve put together a list of things to consider that can help make your home buying journey easier.

FOUNDATION The foundation is considerably one of the most important features of a home, and a repair to it could be very costly.

It’s very important to be aware of the condition of the home’s foundation. The easiest way to do this is by hiring a structural engineer to conduct a thorough home inspection.

THE NEIGHBORHOOD Your dream home could easily turn into a nightmare if it’s in the wrong neighborhood. It’s important to account for various factors, including city life versus suburban life, the school district, safety in the area, condition of the neighborhood, what your neighbors will be like and more.

HOME REPAIRS Important home features like the roof, plumbing and electrical system are vital to the lifespan of the home.

Checking for the functionality of these features can help save you money and decide how much repair and maintenance you want to handle.

WATER DAMAGE There are few things worse than a home with water damage.

The origins of the damage can be tough to fi nd and correct.

Plus, it could cause problems for the walls, fl oors and overall foundation of the home. Checking for subtle clues like moldy odors or utility systems lifted from the floorboards are perfect fi rst indicators of possible water damage.

WORKING FEATURES Get your hands on everything before buying a home. Turn on the lights, faucets and thermostat. Open the doors and windows, and flush the toilets. Making sure all of these things work properly will help make your move in easier and allow you to find a cost-effective solution for any issues.

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COMPARING COVERAGE OF ALTA'S STANDADRD OWNERS POLICY AND ENHANCED HOMEOWNERS POLICY There are two types of owner’s title insurance policies: the owner’s policy and the homeowner’s policy.

An owner’s policy protects you from defects and liens in the history of your title through the date and time your deed is recorded in the public records and helps protect your financial investment in the home. A homeowner’s policy takes your protection to a higher level by providing coverage for many additional risks – including some that might occur after the deed has been recorded.

Owner’s title insurance lasts as long as you, the policyholders – or your heirs – have an interest in the insured property. This may even be after you have sold the property. The below chart compares the standard owner’s policy and the enhanced homeowner’s policy.

Both policies contain certain stipulations and conditions as set out by your Stewart Title Guaranty Company and the American Land Title Association®. If you have questions regarding your legal rights under the various policies, we suggest that you contact your attorney.

Coverages Included Without Endorsement Assumes compliance with Stewart Title Guaranty Company’s underwriting requirements for issuance of the applicable policy.

Owners Policy 2006

Homeowners Policy (2/3/10) Revised (12/2/13)

Third-party claims on the title

√

√

Prior forgery, fraud or duress affecting the title

√

√

Liens or encumbrances on the title (e.g., prior mortgage or deed of trust, state or federal tax lien, condominium or homeowners association lien)

√

√

Covered Risks

Improperly executed documents

√

√

Defective recording of documents

√

√

Unmarketability of the title

√

√

Lack of a right of legal access to and from the land

√

√

Restrictive covenants limiting your use of the land

√

√

Gap coverage (extending coverage from the closing to the recording of the deed)

√

√

Coverage continues as long as you own the property

√

√

Policy insures anyone who inherits the property from you

√

√

Duration

Policy insures the trustee of an estate-planning trust

√

√

Policy insures the beneficiaries of a trust upon your death

√

√

Parties in possession of the property that are not disclosed by the public records (e.g., tenants, adverse possessors)

*

√

Unrecorded easements (e.g., prescriptive easements) affecting the property

*

√

Extended Coverage

*Not automatically included in the basic policy but may be available by extended coverage

Head-to-head Coverage Comparison Owners Policy 2006

Coverages Included Without Endorsement

Homeowners Policy (2/3/10) Revised (12/2/13)

Encroachments that would be disclosed by a survey

*

√

Mechanics liens (a lien against the property due to nonpayment of work)

*

√

Taxes or special assessments that are not shown as liens in the public records

*

√

*Not automatically included in the basic policy but may be available by extended coverage

Additional Coverages Actual vehicular and pedestrian access based upon a legal right

√

Correction or removal of an existing violation of certain covenants, conditions or restrictions

√

Loss of your title resulting from a prior violation of a covenant, condition or restriction

√

Up to $10,000 if you are unable to obtain a building permit due to an existing violation of a subdivision law or regulation, or if you must correct an existing violation (subject to a deductible)

√

Up to $25,000 if you must remedy or remove an existing structure because it was built without a proper building permit (subject to a deductible)

√

Up to $25,000 if you must remedy or remove an existing structure due to an existing violation of a zoning law or zoning regulation (subject to a deductible)

√

Up to $5,000 if you must remove your existing structures due to their encroachment upon your neighbor’s land (subject to a deductible)

√

Inability to use the land as a single-family residence because such use violates an existing zoning law or zoning regulation

√

Forced removal of your existing structures because they encroach upon an easement or over a setback line

√

Damage to existing structures due to the exercising of an existing right to use any easement affecting the land

√

Damage to improvements due to the exercising of an existing right to use the surface of the land for the extraction or development of minerals, water or any other substance

√

Attempted enforcement of discriminatory covenant

√

Supplemental taxes because of prior construction or change of ownership or use

√

Damages due to the residence’s not being located at the address stated in the policy

√

Payment of substitute rent and relocation expenses if you cannot use your home because of a claim covered by the policy

√

Automatic increase in policy amount up to 150% of policy amount over five years

√

Post-Policy Coverages Forgery affecting the title

√

Unauthorized leases, contracts or options

√

Ownership claims

√

Easements or restrictions affecting your use of the land

√

Encroachment of neighbor’s buildings onto your land

√

Contact us today for more specific details on either policy and to find out why we’re the right title company for you.

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FLOOD INSURANCE VS. HOME INSURANCE: ARE YOU PROTECTED AGAINST WATER DAMAGE?

As a homeowner, your property is one of your most valuable assets. That’s why you protect it with homeowner’s insurance.

But does your homeowners insurance protect your home against all water damage? By understanding how insurance views water, you can protect yourself financially. Otherwise, you may fi nd yourself drowning in debt.

Where water is concerned, there are two types of waterrelated insurance claims: Flooding and water damage.

This fi rst type of water-related claim is fl ooding, also known as rising water.It’s a very common natural disaster and is only covered through a flood insurance policy.

The second type of water-related claim is water damage.With water damage, your home insurance policy potentially covers four different types. Those are: ■ Sudden and Accidental – The kind of damage that occurs when a pipe suddenly bursts.

■ Seepage and Leakage – The damage resulting from a slow, continuous water leak over time.

■ Water Backup – Water that comes in the home through entry points such as sinks, toilets or bathtubs.

■ Foundation water damage – Should one of the three previously mentioned types of water damage occur, resulting in the need to break into your foundation, you’ll want to have foundation water damage coverage.

Keep in mind that not all home insurance policies cover all four types of water damage. Verify your coverage with your insurance agent.

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HOME SELLING TIPS

Potential buyers usually decide within minutes whether or not a home is right for them. As you prepare your home to go on the market, try to view it through the eyes of a buyer. We have provided some tips below to assist you in preparing to sell your home.

General: ■ A fresh coat of paint is fast, easy and affordable – consider repainting the kitchen, bathrooms, bedrooms and other areas ■ Use a neutral color scheme when making any decorating choices ■ Neatness makes a home look bigger; avoid clutter ■ Avoid too many personal items, such as family photos ■ Cleanliness counts ■ Make sure all closets and shelving units are straightened Kitchen: ■ Make sure it is bright and attractive > ■ Consider new window treatments ■ If the flooring is badly worn, replace it ■ Replace any loose or cracked tiles on counters a nd w a ll s

■

Avoid leaving dirty dishes in the kitchen sink or on the counters

■

Clean and uncluttered counters add a sense of spaciousness

■

Remove any appliances or decorative items from counters

Bathroom:

■

Replace faded curtains or bedspreads

■

If you have a fireplace, clean it out and put in fresh logs

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Replace burned-out light bulbs and make sure light switches work

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Clean floors and vacuum rugs and carpeting

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Fix any doors or sliding glass doors that stick

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Keep toys inside children’s rooms in orderly fashion

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Repair any dripping faucets

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Always hang bathrooms

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Remove any stains from toilets, sinks, bathtubs and showers

Garage: ■

Clean out your garage

■

Clean this room every morning

■

Dispose of anything you are not going to move

■

Updating old fixtures can make a big difference

■

■

Unclog sinks, bathtubs or showers that drain sl o w l y

Make sure the garage door opener is in good condition

fresh,

clean

towels

in

the

Living Areas/Bedrooms ■

Make sure wall surfaces are in good shape – repair all cracks and nail holes

■

Make sure windows are in good condition; replace cracked or broken glass/torn screens and w ash wi n do w

■

Also, make sure windows open and close smoothly

■

Check ceilings for leak stains

Outside: ■

Make sure the front door and entry area are clean

■

Repaint the front door if necessary

■

Keep the lawn and shrubs trimmed and neat looking

■

The proper landscaping can add an attractive and inviting touch

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Sweep walkways and driveways

■

Consider painting or touching up your house

■

Check the roof and gutters

Contact us for information on the home-selling process and to learn more about our company.

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HOME WARRANTY

Protect your home systems and appliances with coverage from Home Warranty of America.

Your home is probably your most valuable asset.

That’s why you protect it with homeowners insurance. But what about items not covered by insurance like a water heater failure, a dishwasher breakdown or an electrical problem? Your home systems and appliances won’t last forever. In fact, the average life expectancy of nine critical home systems and appliances is 13 years, and the likelihood of failure in a given year is 68%.* Home Warranty of America™ (HWA), a partner of our underwriter, Stewart Title Guaranty Company, is a nationally recognized home warranty leader. They are solely focused on offering high-value home warranty plans and options, customized for your needs. With HWA you get more than just home warranty service; you get:

■ A satisfying experience – according to a HWA survey, their direct-buying clients would recommend them 94% of the time* ■ Longer period of coverage – HWA provides 13-month warranties rather than the standard 12-month warranties ■ Eco-friendly option – HWA is the first home warranty company to offer an environmental option called GreenPlus, that provides ENERGY STAR®-qualified replacement products on five covered appliances and home systems ■ Fast, efficient customer service accessed online or toll free, 24/7 We can meet your needs for home warranty and more. Through Stewart Insurance and Risk Management services, you can get homeowners, automobile, life and other personal insurance products.

Contact me for more information about home warranty services provided by Stewart and see how much you might save on your other insurance needs.

Source: * Home Repair and Remodel, Marshall & Swift LP, 2004. * HWA survey of current and expired customers, March 2010.

TIPS FOR MOVING

MOVING TIMETABLE 8 WEEKS BEFORE THE MOVE • Select your mover and get everything in writing.

• Decide how much of your current furniture you will be using. You can save on moving costs by getting rid of unwanted furniture prior to your move.

• Determine which unwanted pieces will be given to charity and which will be sold. This can save you money on your move – and put money in your pocket.

6 WEEKS BEFORE THE MOVE • If you are moving yourself, determine how many boxes you will need, then determine the size of the truck required by calculating the cubic feet of the boxes, plus that of large furniture pieces.

• If you’re moving to a new community or city, get copies of records from service providers such as doctors, dentists, lawyers and utility companies.

• Make arrangements to transfer your children’s school records.

3 WEEKS BEFORE THE MOVE

• If movers are not doing your packing, begin gathering packing materials: - Boxes - Bubble wrap - Old newspapers - Felt-tip markers - Furniture pads - Large self-stick labels - Nylon packing string - Packing peanuts - Packing tape - Rope

4 WEEKS BEFORE THE MOVE

- Scissors

• Clean or repair furniture, curtains or carpets, if needed.

• Hold a garage sale.

• Arrange for storage, if needed.

• Make any necessary travel and hotel reservations.

• Determine if you need to transfer local bank accounts or cancel direct deposits. Coordinate with your bank(s).

• Begin packing items you won’t need between now

- Utility knife and your move.

• Arrange to cancel utilities and services at your old home after you’ve moved, and make sure you have electricity and water turned on at your new home by the time you move in.

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2 WEEKS BEFORE THE MOVE • Make any special arrangements to move pets.

• Have your car checked and serviced for the trip if you’re moving far away.

• Fill out a change-of-address form with the U.S. Postal Service.

• Send a change-of-address notice to your friends and family.

• Review your online accounts and update your address in your profile.

•Transfer any prescriptions to a pharmacy near your new home and return any library books.

• Arrange for a babysitter on moving day if you have small children.

• Check that no leave-behind appliances are still connected in your old house.

• Inspect the attic and garage, and lock all doors and windows.

DELIVERY DAY • Check off all boxes and items as they come off the moving truck (if applicable).

• Make sure utilities are connected and new locks are installed.

• Be on hand to answer questions, pay the driver, take care of last-minute problems and examine your goods.>

2 DAYS BEFORE THE MOVE • Defrost your refrigerator and freezer.

• Set aside valuables and legal documents to take with you.

• Pack clothing, toiletries and other first-day essentials to go with you.

• Have your movers begin packing.

• Arrange payment for the driver on moving day if you’re using a mover.

MOVING DAY • Pick up the truck early if you’re moving yourself.

• Make a list of every item and box loaded into the truck.

• Give your contact information to the mover.

• Read the terms and conditions in your mover’s agreement before signing. Keep the agreement in a safe place until your goods are delivered, charges are paid and any claims are settled.

Trademarks are the property of their respective owners.

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