Page 2 - Veronica Flores Buyer Guide
P. 2

Pioneer Title Agency
                                                COMMITMENT TO SERVICE


                                        COMMITMENT TO SERVICE







                 TABLE OF CONTENTS
                  TABLE  OF  CONTENTS












                                                   THE PURCHASE
         Don’t Make a Move Without a Realtor®                                                         1
         Why Does a Realtor Charge Commission?                                                        2
         Purchasing New Homes and Construction                                                        3
         Closing Tips                                                                                 4
         C.L.U.E.                                                                                     5
         Steps of the Home Purchase Process                                                           6
         Homebuyer Note Sheets                                                                        7
         Estimating Your Home Cost Payment                                                           10
         Explanation of Estimated Costs                                                              11
         Explanation of Closing Costs                                                                13
         Title Insurance Premiums                                                                    14
                                              THE LOAN PROCESS

         Items Required for Loan Application                                                         15
         Explanation of “Points”                                                                     16
                                THE FUNCTION OF A TITLE COMPANY

         What is Escrow?                                                                             17
         Reviewing Your Title Commitment                                                             18
         Arizona’s “Good Funds” Law                                                                  19
         Property Tax Information                                                                    20
         Ensure a Smooth Closing                                                                     21
                                                 TITLE INSURANCE

         Holding Title to Real Property                                                              22
         Ten Reasons a Buyer or Seller Should Request a Homeowner’s Policy                           23














                                                                                                           Revised 8/2020
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