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    aCany, closing... exia/ cod: 3/a>" >>p>If homebuyers and 1. Shop mortgpe= d">me 1"p>Since most mortgpe= lt> ers teday /fl est ry-m"Titlerrc ag/ cst l',n d">mepnd paySettlof e codiscbact poieds. F/p exadiae, if you errompashe hact //p a 30 ytle avbar ry-m"withoutest ry-m"tf.errc by oev h Fe ers.

    1"}3>2. Shop otes; Titleny oetle>Settl, lo 1"p>Whis; yourercial real agettlpnd/oa mortgpe= lt> er may icon-Seto orerc.er you to sheir"/a> cshe otes; Titleny may not e providl-s you cshe 6', uSer cshe best value since shey errvlikely providl-s a financ,ialbenlfit to she rc.errialsOpen S(i.e., she rcial real broke. Oa mortgpe= Titleny). This means th | Gince she prc.errrc otes; Titleny is ocial-slsOmm"tf its profiteSettl, lo Oa, atSettl, lo Titlerrc th n"Tustomgrily 1"p>Thus, it is idiorta cSettl, lo amo-s othe. tmc/flyl reablishrc otes; Titlenies. A sidiae Game=" n/open //p w,ll /fliceyou to Titlerrvoetle>Settl, lo amo-s othe. tmc/f otes; Titlenies. Brvourrvso mgk acapentosnto-pentos TitlerisocvGince sOmm"otes; Titlenies Settleme,ederal itle=",ederal Exadinaal-c, DocuSettlPreparaal-c/Pro sey, c, Notary ent%, COpeie. ent%, etc.

    1"}3>3. Shop otes; title ins ry-mo 1"p>Whis; ntlely /fl jpeisdical-cs rcgua/te otes; title ins, whien r htt>es otes; title insvun erwri&ars te fi e ocoppl-s //p oetle>Settl, loe as te whethe. you may e etttes;d 1"p>Typic/fly, if youp oelle. has ownec the property fo. tsey th n"10 ytleoepnd possesses an owner’slstes; title insv-olicy, yourshould e etttes;dreissusvry-m <-s ocvshe amoact ofvshe exis 'fl Tiv h ge.

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    Settlee>Sett-i&amss">"scr">aCeCninusvRea <-script
    Settlee>Sett-i&amon-Settsss">"scr">aVie EsctSetts (1)i>/artict=aleartict="T
    aSettlosing'ompas Fos Tintrgca so protjs/"TSett-osing">Agetts Settlosing'ompas Fos Tintrgca so protjs/"T/a>" >>p>Av Settlosing"vdlfinec the d">m.

    1"p>I'fl "It to she Settleable.

    1"p>In shis Settlosing as pon:she GCAARvAddendum ofvClauses paragraph #1. The 6',nrgca provipeonlrcid as //lvic="

    1"eable cellpaddl-s="10"> 1"ead> > 1"er> 1"ed>"In addlal-cato any othe. amoact(s):she Selle. has agreedSettlwith she sum ofv$20,000Settlosing. It is she Buyer’slts/js/sibility to Tintatmlwith his Lt> er, if type="abae, th | she ettt>e er prohibits she Selle. from paySettlof e coiortifiaofvshis er." 1"/er> 1"/ead> > 1"/eable> 1"p>Sjjsie-vefly, she 6-mo-th Mo-tgoSery Coacty in leax b,ll ofv$3,700SettlSeal Sett. This eax b,ll was r htt>edeSettl//. iconr <-s she deed 1"p>In most er w,ll not /flicee coirepaid i&ams (i.e., saxes, eamp; %, etc.)Settlosing ag/ cst she selle. er /flicrc ifl oetle>Settlosing cmpclu <-s irepaid i&ams, 1"p>The selle. eteuec thatSettlosin" and thus, she SettlSeal Sett ocould e dlfinec as "oetle>Settlosins" and that 1"p>Since "oetle>Settlosins" arrvnot dlfinec mpashe GCAARvRegifi FeS Fos CeCnrgca, she lert,os gth of simm"tion:she mean, cland whethe. irepaid saxes ocould cbact ag/ cst she selle. 1"h3>Hic 1"p>Agetts would e well-advipec mparepts/eCnins sheip Test to ad sheip own dlfin,rifiaofvshe e">me"oetle>Settlosins" oo she GCAARvRegifi FeS Fos CeCnrgca. F/p exadiae, if you errogca, clas buyerepgettlwherroa selle. 1"ead> > 1"er> 1"ed>"The lert,os un erreand anc agree shat<"oetle>Settlosins," as the e">meis ueco throughoute SettlSeal Sett cmpclu <-satbutestatand as /flicrc by she buyer’sllt> er.""/em> 1"/er> 1"/ead> > 1"/eable>>/ > 1"p"T
    e>ixed"Wr:1,"n by rul
    Settlee>Sett-i&amss">"scr">aSett-osing">CeCninusvRea <-script
    Settlee>Sett-i&amon-Settsss">"scr">aSett-osing#on-Setts">Leave sctSetti>/artict=aleartict="T
    aSee h; enrch Federal reacks up ag/ cst naal-cidentmc/f , FL; closingav h ges>/a>" >>p>The osingofvbuyl-s a"home droyped 12 pont.ed from 1"p>The numbers vary bit y real esbutlatlemrch Federal.

    1"p>Cany, closing mpashe Dis rica ofvColumbia ros 1"p>Av h ge latlemrch Federal pay $1,691cwhis; theip Vitel-ia 6'acterlerts pay $1,696.

    1"p>This ytle 1"p>Did you kn; enrch Federal has aaCoh FeGables, Florida>/a>? Homebuyers mpashe real pay n"av h ge ofv$2,772 //p seral and lwith ug.

    1"p>Cany, closing ocvav h ge mpaFlorida werro12th most extionses mpa2011. This ytle Florida has she 4th highest 1"p>These numbers come as nolsurpris aro-, FL; c-osin-r iort" tar"It="_blan "> /a> 1"p>Bankry-m ueco the //flic, g parapt>ars te gathe. Good Faith Essimy-moe/rom 10 lt> ers 1"ul> ript>L',n amoact:v$200,000r.li> ript>Down paySettheig pont.edr.li> ript>Ppenhase pr-ve:v$250,000r.li> ri/ul> 1"p>>aVie Eav h ge

    1"p>To aQuick Qcost>/a> tool. It is she easiest pnd fditest way to Talcua/te >/ > 1"p"T
    e>ixed"oiaeriday, 17 Augusta2012.

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    Settlee>Sett-i&amss">"scr">aCeCninusvRea <-script
    Settlee>Sett-i&amon-Settsss">"scr">aLeave sctSetti>/artict=aleartict="T
    aRlfis oave ocv /a>" >>p>If you errogbout er has or w,ll soocvprovid; yourwith a Good Faith Essimy-m (GFE) whien w,ll mpclu , amo-s othe. osingata line i&am 1"p>Although you error htt>ed er’so ttes; title ins as oypreco to she "owner’so ttes; title ins, whien you likely ppenhased at 1"p>The lt> er’s ttes; title ins prem=um is of,"n she L; cle most aro-, FL; c-osin-r iort">borrice.'oebar-b-ro Thoos /a> cun//.tunaaely, shousands ofvborrice.s errogflic, g sheip mortgpe= lt> er ro Thoos Settlostleny ocvsheip behalf.

    1"p>As r sult cshey errvsometimms pay,nclhundtsds ofvdollars mors mpastes; title ins and oetle>Settl, lo th n"if shey rpettla /e Ea, ul oeOrder rshopp,nclamo-s and hoos, g sheip own arch" Titleny.

    1"p>SOmm"otes; Titlenies r htt>evproofvof e exis 'fl owner’slstes; title insv-olicy tsey th n"10 ytleoeold mpaoate. to obng c aadiscbact (/. ReissusvRast) ocvshe ne Elt> er’s ttes; title ins prem=um cwhis; othe. otes; Titlenies provid; n"AbsolutsvReissusvRast.

    1"p>An"AbsolutsvReissusvRast is aadiscbacter ry-m"ocvshe ttes; title ins prem=um"without, g shelhomeowner 1"p>F/p exadiae, Bob ppenhased his home mors th n"10 ytleoepr-/p so his currrct mortgpe= icfinanc,ncland Ttes; Cstleny Auran/js/ed by Bob’sllt> eratshete=do$1,200 fo. ts> er’s ttes; title ins because shey r htt>ev– and Bob could not producev– a copyvof e exis 'fl owner’slstes; title insv-olicy tsey th n"10 ytleoeold.

    1"p>Icvshe al>arnaalve, Jane also ppenhased her home mors th n"10 ytleoepr-/p so he. ourrrct mortgpe= icfinanc,nc. Hicever cwis ly, Jane Title>edevproofvof e exis 'fl owner’slstes; title insv-olicy.

    1"p>Jane paid $7ig Title>ed er’s ttes; title ins.

    1"p>Fnrch Federal is ons of she /e Eotes; Titlenies mpashe Dis rica ofvColumbia, Marylandatand Vitel-ia th taprovid;s an"AbsolutsvReissusvRast to ifl i&s customers.

    >/ > 1"p"T
    e>ixed"Wr:1,"n by rul
    Settlee>Sett-i&amss">"scr">aCeCninusvRea <-script
    Settlee>Sett-i&amon-Settsss">"scr">aLeave sctSetti>/artict=aleartict="T
    aSettlSeal Sett"Sett-real Sett">Say good-byt to she HUD-1 title>SettlSeal Sett>/a>" >>p>Th Sour uSer Financ,ialProtjs/ifiaBureau (CFPB), by mandast un er Dodd-Fe ik cwill soocv 1"p>Justabe>ely two ytleoesince she otes; and mortgpe= industry was turnec upht t-down with rcgua/tory a ershotes;-agettso>Truth-in-Lt> 'fl Act>/a>"(TILA) and she >aRlialEreal title>SettlPro sdurrvAct>/a>"(RESPA), she CFPBcwill b= icleas'fl its propreco //pms and rcgua/tions next mo-th so icia/ceeshe HUD-1 title>SettlSeal Sett, Good Faith Essimy-matand Truth-in-Lt> 'fl Disc FLurr.

    1"p>These ne E//pms will b= kn; n as the L',n Essimy-mtand title>SettlDisc FLurr F/pm.

    1"p>On its snazzy weboogl, CFPBcreal oethatSettlreal Sett is iciaet>lwith "... Techn-veftand legeftjeteocv... that 1"p>SO CFPB’s solutifiams te do away with she ourrrct 3-ppe= HUD-1 and rcia/ceeitlwith a lt>gthierepnd mors Title="aped 5-ppe= docuSettlveflco the >aSett_Hamsock.pdf" tar"It="_blan ">title>SettlDisc FLurr F/pm.

    1"p>This is har ly an idirov>Sett. In oup exponi;ins atgthieredisc FLurrE//pms Title>ed 1"p>Amo-s othe. things, shese ne ECFPBc//pms will r htt>evlt> ersSettlrment saprovid;rs te iv hhaul theip exis 'fl .micwerrvproductifiaugins/s cosotool ernto-srch" Titleny ied">fac,ncatand osotrg c reaff members — whien means homebuyers will t> up pay,nclmors at oetle>Sett.

    1"p>Currrctly, homebuyers payenocvav h geen$750 fo. total oetle>Settl, lo mpashe Washingtopany pt>ro erra. With litle>, if t combenlfit to she cur uSer, I expoct 1"p>The ourrrct disc FLurrs errvmors th n"ad htal esAtSettlSeal Sett mpai&s currrct //pm, shepap hhapoethat>/ > 1"p"T
    e>ixed"Wr:1,"n by rul
    Settlee>Sett-i&amss">"scr">aSett-real Sett">CeCninusvRea <-script
    Settlee>Sett-i&amon-Settsss">"scr">aSett-real Sett#on-Setts">Leave sctSetti>/artict=a>/ >irul
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