Seller's Closing Kit
WHAT HAPPENS FROM CONTRACT TO CLOSING Start Here CONTRACT signed with REALTOR Mortgage Co. Buyer applies for loan Abstractor gathers information on the history of the property CLOSER enters order Contract & earnest money receipted REALTOR Your real estate professional is instrumental in assuring your transaction is handled professionally, accurately and responsibly. Credit History Verification of employment (current and previous) Verification of bank deposits Credit Information Appraisal (confirmation of property s value) Examiner reviews the abstractor s research to determine whether or not the title to the property is insurable Commitment for title insurance issued and sent to all parties Information gathering and packaged Loan package submitted to underwriter Everyone wants to CLOSE BUYER S LOAN APPROVED Lender sends closing instructions CLOSER Alamo Title Company 18618 Tuscany Stone Suite 240 San Antonio, TX 78258 210-490-1313 Fax: 210-490-1312 Preparation of Documents After receiving instructions from lender: *1. Survey *2. Papers ordered: Warranty deed, Note, Deed of trust, Release of lien 3. Pay off figures ordered from existing lender 4. Hazard insurance policy ordered 5. Termite report and other inspections 6. Closer/assistant sets up appointment with buyers, seller & agents to close * Some lenders order and send with closing instructions to the title company Seller signs over deed to buyer All monies are released to the proper parties by the title company Closing & Funding Congratulations on your transaction! Alamo Title Company rev. 05/14/12
TITLE INSURANCE PREMIUM RATES 10,000 11,000 12,000 13,000 14,000 15,000 16,000 17,000 18,000 19,000 20,000 21,000 22,000 23,000 24,000 25,000 26,000 27,000 28,000 29,000 30,000 31,000 32,000 33,000 34,000 35,000 36,000 37,000 38,000 39,000 40,000 41,000 42,000 43,000 44,000 45,000 46,000 47,000 48,000 49,000 50,000 51,000 52,000 53,000 54,000 55,000 56,000 57,000 58,000 59,000 60,000 60,500 61,000 61,500 62,000 238 244 252 260 267 272 280 288 296 301 309 317 324 330 337 345 352 358 365 373 380 387 393 401 408 415 422 429 437 443 450 457 465 471 479 487 493 499 508 515 522 527 536 543 550 556 565 571 579 585 593 597 600 603 607 62,500 63,000 63,500 64,000 64,500 65,000 65,500 66,000 66,500 67,000 67,500 68,000 68,500 69,000 69,500 70,000 70,500 71,000 71,500 72,000 72,500 73,000 73,500 74,000 74,500 75,000 75,500 76,000 76,500 77,000 77,500 78,000 78,500 79,000 79,500 80,000 80,500 81,000 81,500 82,000 82,500 83,000 83,500 84,000 84,500 85,000 85,500 86,000 86,500 87,000 87,500 88,000 88,500 89,000 89,500 For policies of $100,001 - $1,000,000 (1) Subtract $100,000 from policy amount. (2) Multiply result by.00554 and round to the nearest whole dollar. (3) Add $875 to the result. 611 613 617 621 625 628 631 635 640 644 645 649 653 656 659 664 668 672 674 677 681 685 688 692 696 700 702 706 709 713 716 720 725 729 730 734 738 742 744 748 753 757 759 762 767 770 773 776 781 785 788 791 795 799 801 EFFECTIVE MAY 1, 2013 90,000 90,500 91,000 91,500 92,000 92,500 93,000 93,500 94,000 94,500 95,000 95,500 96,000 96,500 97,000 97,500 98,000 98,500 99,000 99,500 100,000 101,000 102,000 103,000 104,000 105,000 106,000 107,000 108,000 109,000 110,000 111,000 112,000 113,000 114,000 115,000 116,000 117,000 118,000 119,000 120,000 121,000 122,000 123,000 124,000 125,000 126,000 127,000 128,000 129,000 130,000 131,000 132,000 133,000 134,000 804 809 813 817 819 823 827 831 832 837 842 845 847 851 855 859 862 866 870 873 875 881 886 892 897 903 908 914 919 925 930 936 941 947 953 958 964 969 975 980 986 991 997 1,002 1,008 1,014 1,019 1,025 1,030 1,036 1,041 1,047 1,052 1,058 1,063 For Policies of $1,000,001 - $5,000,000 (1) Subtract $1,000,000 from policy amount. (2) Multiply result by.00456 and round to the nearest whole dollar. (3) Add $5,861 to the result. Please verify using our online rate calculator. 135,000 136,000 137,000 138,000 139,000 140,000 141,000 142,000 143,000 144,000 145,000 146,000 147,000 148,000 149,000 150,000 151,000 152,000 153,000 154,000 155,000 156,000 157,000 158,000 159,000 160,000 161,000 162,000 163,000 164,000 165,000 166,000 167,000 168,000 169,000 170,000 171,000 172,000 173,000 174,000 175,000 176,000 177,000 178,000 179,000 180,000 181,000 182,000 183,000 184,000 185,000 186,000 187,000 188,000 189,000 1,069 1,074 1,080 1,086 1,091 1,097 1,102 1,108 1,113 1,119 1,124 1,130 1,135 1,141 1,146 1,152 1,158 1,163 1,169 1,174 1,180 1,185 1,191 1,196 1,202 1,207 1,213 1,218 1,224 1,230 1,235 1,241 1,246 1,252 1,257 1,263 1,268 1,274 1,279 1,285 1,291 1,296 1,302 1,307 1,313 1,318 1,324 1,329 1,335 1,340 1,346 1,351 1,357 1,363 1,368 190,000 191,000 192,000 193,000 194,000 195,000 196,000 197,000 198,000 199,000 200,000 201,000 202,000 203,000 204,000 205,000 206,000 207,000 208,000 209,000 210,000 211,000 212,000 213,000 214,000 215,000 216,000 217,000 218,000 219,000 220,000 300,000 400,000 500,000 600,000 700,000 800,000 900,000 1,000,000 2,000,000 3,000,000 4,000,000 5,000,000 6,000,000 7,000,000 8,000,000 9,000,000 10,000,000 11,000,000 12,000,000 13,000,000 14,000,000 15,000,000 20,000,000 25,000,000 30,000,000 1,374 1,379 1,385 1,390 1,396 1,401 1,407 1,412 1,418 1,423 1,429 1,435 1,440 1,446 1,451 1,457 1,462 1,468 1,473 1,479 1,484 1,490 1,495 1,501 1,507 1,512 1,518 1,523 1,529 1,534 1,540 1,983 2,537 3,091 3,645 4,199 4,753 5,307 5,861 10,421 14,981 19,541 24,101 27,861 31,621 35,381 39,141 42,901 46,661 50,421 54,181 57,941 61,701 75,051 88,401 96,401
Property Tax Guide Bexar Taxing Authority Bexar County 0.283821 Alamo Comm. College 0.149150 of Alamo Heights 0.390262 of Balcones Heights 0.572199 of Castle Hills 0.501345 of China Grove 0.085330 of Converse 0.585518 of Elmendorf 0.442316 of Grey Forest 0.093525 of Helotes 0.350000 of Hill Country Vill. 0.095000 of Hollywood Park 0.511000 of Kirby 0.729376 of Leon Valley 0.575507 of Live Oak 0.510000 of Olmos Park 0.442785 of San Antonio 0.565690 of Schertz 0.497400 of Selma 0.222300 of Shavano Park 0.309617 of Somerset 0.698171 of St. Hedwig 0.479895 of Terrell Hills 0.370525 of Universal 0.560492 of Von Ormy 0.249935 of Windcrest 0.340900 Alamo Heights ISD 1.205000 East Central ISD 1.275000 Edgewood ISD 1.362700 Harlandale ISD 1.528800 North East ISD 1.440600 Northside ISD 1.375500 San Antonio ISD 1.382600 South SA ISD 1.451500 Southside ISD 1.368900 Somerset ISD 1.278000 Southwest ISD 1.465282 Bexar Co. Emg Dist #1 0.100000 Bexar Co. Emg Dist #2 0.098945 Bexar Co. Emg Dist #3 0.051408 Bexar Co. Emg Dist #4 0.077727 Bexar Co. Emg Dist #5 0.100000 Bexar Co. Emg Dist #6 0.100000 Bexar Co. Emg Dist #7 0.099510 Bexar Co. Emg Dist #8 0.100000 Bexar Co. Emg Dist #10 0.100000 Bexar Co. Emg Dist #11 0.100000 Bexar Co. Emg Dist #12 0.100000 Hospital District 0.276235 S.A. River Authority 0.017500 Flood Fund 0.030679 S.A. MUD #1 0.687700 Cibolo Canyon SID 0.565690 Westside 211 SID 0.565690 Southwest ISD I&S Only 0.425282 Butterfield Ranch PID Flat $300.00 rate/improved lots Comal Taxing Authority Comal County 0.292821 of Bulverde 0.135700 of Garden Ridge 0.275700 of New Braunfels 0.498230 Boerne ISD 1.294000 Comal ISD 1.390000 New Braunfels ISD 1.339100 Wimberley ISD 1.297700 Emergency Serv. Dist. #1 0.085100 Emergency Serv. Dist. #2 0.060000 Emergency Serv. Dist. #3 0.080000 Emergency Serv. Dist. #4 0.060000 Emergency Serv. Dist. #5 0.100000 Emergency Serv. Dist. #6 0.071900 Emergency Serv. Dist. #7 0.081500 York Creek Municipal Dist. 0.004200 Rebecca Creek MUD 0.00 Johnson Ranch 0.850000 Bandera Taxing Authority Bandera County 0.565300 of Bandera 0.387549 Bandera ISD 1.170000 Medina ISD 1.040000 Northside ISD 1.375500 Utopia ISD 1.040000 and ESD Flying L Ranch 0.380000 County Special 0.090000 County Road 0.021600 ESD 0.100000 BCRAGD 0.029839 Guadalupe Taxing Authority Guadalupe County 0.3941 of Cibolo 0.445400 of Luling 0.470000 of Marion 0.490100 of New Braunfels 0.498230 of San Marcos 0.530200 of Santa Clara 0.120000 of Schertz 0.497400 of Seguin 0.517300 of Selma 0.234200 Luling ISD 1.114400 Marion ISD 1.280000 Navarro ISD 1.420000 New Braunfels ISD 1.339100 San Marcos ISD 1.414100 Schertz/Cibolo ISD 1.490000 Seguin ISD 1.280000 and ESD York Creek District 0.004400 Lateral Road 0.058000
Property Tax Guide Kendall County Taxing Authority Kendall County.3940000 of Boerne.4720000 of Fair Oaks Ranch.2663000 Boerne ISD 1.294000 Comfort ISD 1.210000 and ESD Kendall Co. Water Control.2562000 Cow Creek Groundwater.0050000 Conservation District.0050000 Lerin Hill MUD 1.000000 Medina County Taxing Authority Medina County (General) 0.433200 of Castroville 0.454500 of Devine 0.569000 of Hondo 0.408900 of LaCoste 0.444400 of Laytle 0.317500 of Natalia 0.875200 Devine ISD 1.370000 Hondo ISD 1.140000 Lytle ISD 1.340000 Medina Valley ISD 1.388200 Natalia ISD 1.358200 Utopia ISD 1.040000 Emergency Serv. Dist. #1 0.095000 Emergency Serv. Dist. #2 0.094800 Emergency Serv. Dist. #3 0.060000 Emergency Serv. Dist. #4 0.056000 Emergency Serv. Dist. #5 0.100000 Emergency Serv. Dist. #6 0.075000 Hospital District 0.060800 Utopia/Vanderpool ESD 0.100000 County FM Road 0.091800 Groundwater Conservation.0094010 Wilson County Taxing Authority Wilson County 0.473800 of Elmendorf 0.442316 of Floresville 0.325200 of La Vernia 0.199900 of Poth 0.253000 of Stockdale 0.366700 Falls ISD 1.435600 Floresville ISD 1.490000 La Vernia ISD 1.380000 Nixon Smiley Cons ISD 1.150000 Poth ISD 0.253000 Stockdale ISD 1.340000 Wilson Co. ESD #1 0.085200 Wilson Co. ESD #2 0.099000 Wilson Co. ESD #3 0.080000 Wilson Co Mem Hospital 0.105600 Oak Hills Dev Road Dist. 0.128000 Card Road District 0.152500 HelroBQ 0.139200 Woodvalley Acres Rd Dist. 0.155200 San Antonio River Auth. 0.017500 Ecelto Water District 0.090567 Evergreen UWC District 0.005300
Marital History since acquisition of property Marriage? Did spouse live in property? Yes No If yes, include on Contract. Divorce? Yes No If yes, County/State Date Death? Yes No If yes, please provide copy of Death Certificate. Is there a Will? Yes No If yes, was it probated? Yes No How is Title held? Trust, LLC, Corp., etc.? Yes No If yes, please provide copy of Trust Agreement or LLC/Corp. Documents. Bankruptcy? Party to any Lawsuit? Mortgage Info Recent Statement? Yes No If no, provide Lender s name Phone Number Loan Number SS# (the title company will need the SS#) Delinquent on Payments? Yes No If yes, how far behind? Existing Survey? Yes No Legible? Yes No Seal? Yes No Signature? Yes No Directional Arrow? Yes No Any Changes? Yes No If yes, describe changes and sketch on another copy T-47 Affidavit? Yes No Owner s Title Policy? Homeowners Association HOA? Yes No If yes, suggest calling HOA to get information on Resale Cert and Transfer Fee Charge Current? Yes No How often Assessed? Yearly Monthly Quarterly Addresses Title Company Listing Appointment Seller Checklist Yes No If yes, spouse s name Date of marriage / / Yes No If yes, County/State Yes No If yes, please provide details Yes No List of addresses you have lived at for the past 10 years. www.alamotitlesa.com / / Date / /