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�i:... .,. A;:i'aDVPLUZ.=G:
<br />... _ .. . . ... iJ Oc f\5:J :�:i�UNG"c.i
<br />.n. ��nuV VAL i.vUi+i�\v..Ci
<br />��:�C.2J3;�� US[C.
<br />� rao'r�zrv;.::�,.sss
<br />I. . ' � . .. _. .
<br />� eSTIhlAic O: Vi+LUG ANJ � raorvm�r
<br />� CLOSlTIG COSTS � � ESTu,;aic
<br />, . . �„� i�:. ....
<br />�' VAW° Or ?:07�2'fY E� ... '� � laHes......
<br />: Cinr.l:�p Ccs:: ........ j j 6:oin.&Repoirs
<br />� �Ui:.: (i'or:.:arh,;r:(:. � .
<br />In;uruqc,� Parnns,>I � kicul L UtIIIGa:
<br />) COG1fLITicD FG: I\SUnANCE CO;dfdli;AcNi
<br />. , � Issouo: i4
<br />� . • • � • • . • ' CY�1�IU5: Ii
<br />17�i�1:�1��1
<br />ii:: Ye�:r.:! ::ou::in� Conw:i.;,ioncr hw ur.ixrti tAc aLouc idm.t:%<ed p�operly I
<br />(or rr.or;;;a;;e irtsurw:cc pi:rpo:;cs in ll:r amoi:n: shomn.
<br />iL1'� ec;i::m:e o: ":4�iue" ("i�eplacem;c: Cc�t" in Se:liwi 9.9 0: :^_O) uoce I
<br />:.o: •'i:: a c.�l.; p:i:c, czccpt t:Sc.i tim murt::a;;::.: to Uc in.u:cd urnic s�.::ion
<br />_:.L�i); riu:a nu: indic:uc 1�llA appro�'�i oC a�;u:ciuuzr oi Cu 7�roperty� r.ot I
<br />cc:; i iaiical: ��c a.-.mu:Y o( cn :murcc r.:ortSaLC :Uat «�uuld te app:ov.d. I
<br />... ii5:::dni:i Oi' VdLI:E d\D CLGS:\G CGS'i3 i.P.OV : iIdS :HB::li II
<br />i':.il i 3: I
<br />', '1i4-.lili G:•' Pi.O:iiR:S" :S i�iCA'S �Sil:.fi�TE OIP izi VALUE OF Tiil �
<br />. ...v:ii1:S:'. ' .
<br />..i;:ox:::; CccL•" :s tnz : HA eL':nclo of L':e mcl oi clo.ing a mo:tgave loan
<br />�. _.....i�:o,o.c�.:nnc<u::�r.:ayUzpal,".L�ciSc:n.c5c�u:o:L.�e......
<br />....Cc:a: ic: \!on;;:q;e Ic�.:u::.nce i'a:pos�a^ 1r.cluux; uotntiicealue o: ;ne p:ope:ly
<br />.....J c.tir..:.:cd c:osL-r: ro;t�. :i:c ma::nnu:n n:orl:;agc s::�.icL GiL1 ca� lnsurc
<br />,,. Luccc va :i�i: :anoun:. U::dc: l:�o.c c;cCo:u oC L'+c Sationui Ilousing �1ct
<br />�:.�.:c:: :.� _ 3 0: ."Oj c::�cro Lc na:::ncm mo:t;;a�. :;r.ioun: must h. bascd
<br />..: e�t�:ated r.;'r�rae�: eoc, ;'uo 'l'�i��e ei i:o, e.-ly ei�,all he dcamed to meun
<br />� ;'wmecatcoatlo:s:or:;;agcin;u:n:.:a,nw;o;e;."
<br />;DVIC: TO H
<br />�� . �.i: . �. . � ..�. � ' a uv ' - in-
<br />'>�. _.::. - ��c �o�c iio i.e Jm�..o. �oo:.�.. Ao,c) .0 a:.,..r i.� �.i.!•i„ .�1 I.ast
<br />... Ec.`o:c �:t ::;;ci:r. puy:::u.c Ca:: on A'Liclt you in::ad to n:�l:c un ud-
<br />.....:c payment.
<br />.,..:.:\/1uE\'i id':\:iSS'ii .\fur,l'n]y ;>aymenl; a:t due li:c first day o( eneh
<br />... �;:tS ..e� �r.uu:d L: mad.� On or Lcfors t:�al da:c. '1'he :.ndcr msy na;<c a
<br />....: cSa:;;c •.:p to = ccnt. ior cacS do;:zr of ar,y p::ymc�t nora tian IS uuys
<br />...... :i you i:�i: iur 30 dal's lo r.nsi .: � payr.:a:rt. oi lo �v::orm any n:h�.r :�gre:-
<br />......, :n :.:c :or.; a;;c, ;; our 1cnL,r may for.c;o�e You could losc youc nomc,
<br />�...... ^a pou: crcl:q and p�.vcct 5'our obtalnfa� fuxth.: mort{;�gx loans. If
<br />....:�.o::iascy ci��ue. :ais.. ,:eec:�t J'ou: :aaY:;; , �yr..c�L on L'me, sec your
<br />"...:: �; a::ca I: �ou ure tcinns:c:ily un�blc ;n mal:c 1'ou. p:�ym.:r.l; hccausc
<br />�.. ...... �, lo:,s oi jou, e:c., you: I::idc: m�y be nble tu hci;� you. dsk your
<br />........ oe::pl:�.ini'il::sior'::.::rer:m;,oti:y. YGU� C„�DI7 i5 :,N I;tSPGi.-
<br />...��.i'..a..cip DOi�i'1 LGS:c it �iP1.20Uu:-i ii"cGC:iCi.
<br />..,,,,�.L.i I':iP.\:::;:: G:::1Il�i�. • ii yvl. :.�,,..c c::t:a p..y::.er..; ln en! 5'ear
<br />,.:::c:e G:a:. IL:: oi 4:c o:ig::al no:;gcgc aaocat. �ou :nay havc to pay
<br />._ �.:6J�,:,:cd p:cr..ium c:::.r;;e T::ia cS:::ga L 1': oi :::c o:i�:nal mor;�a;;c.
<br />..... .e a�,:;i:or__L ;e cia:�c a 7:¢�.:i�a:n oi ::ot 1..: ::�.a� ?: o: 1`.: r.o: mo:x
<br />..... : pc..:� �cc ia�.: act :ic p:cc::u..� at !: o: :t: a;smtin;; it si!I hc
<br />,..I cvor ia: �s;rol: :::cc;;;agc t.:n. \\'l:cr c mor;;,a7c i; �u:i3 oiC::: acvunca,
<br />..� ,:c:nicn; colir.4d iu nut covc:• �iid cu;t �:.d an a�jcstal p:e��ium ia
<br />,�_::d to c:i;:l :L .�. Ii i:�i; cirvg: n�crc r.ot madc, i�c przmium wou:d
<br />...... .o Sa Lp:l��::. i. �Varjuclzu �:c:r.lum :. not mu�ic �[ n nex' i�:i:1 mortga�;c
<br />. ,:.ccL or. ti:c : mpc:l�r o: i: thc PiT.1 Sacc:a:::t i� 1u :o:Cc :o[ 1C y:a:a oc
<br />,I=r.
<br />'. .. ::?;ti, : s51:6ti?.i::S'f5, �UI) 7XStiIIdAC:: - Sans}'ourler.�;cr6id:, ior taxes,
<br />.: iat :m:ti,.r.;Ca6�, ur L.c i:r. u.... .i:at ia:ne :c you. '1'i'.c :irc ir.:.u:a::x tLc
<br />,.�.... o;u:re; •'m; :o e:.::� u.c:l;y cuver.; ocly t'n: Lul.mm o: i::c ioa.t. CiicC�
<br />... �.riti your :e.� :. 'iou m:� x•isS ;o tcLc oul aduilior.al in:u:o:�n: so tliat
<br />.. .i : im::c .. u:.�...u,^,ca 5'c'�r ]o:,s �..... .,: ta..ced ac e¢i: as :l:e 1m�u:Ps. Ii
<br />.. l:or c i� 1� ��;e:f uy :sz, winu� o i o.sc: c..�..,'e:::e )•our :er.dcr ae I
<br />.. Ti cs fut Lm �o:ni�ii; y�:�r cz i l 6� c:io^.a until tLc bill:t are s.cc�v.d.
<br />.. .,� cn.cL ti:: :�:�.ioc;:: :vcuv:uL:tcd u•om �o::: P:pane:its, 3'on will bc , s:;cd j
<br />, ,_, P,u �i;'.�,..:�cc :i tl:.; ..c i:; � Cac d':: .z:ica r:i:i to r.cdi;cd tu yocc I
<br />. .�� �.::. ..._ ::�v.:. �; Lc� o: ::r. .:.:u:_:.c_. .,os.c Sta'_�. al:c Lc .nuk'.i u:
<br />��.5 . C> .' Yio . ., oi}� i0Y : �.�: C%t(llj.liV11 W 1.:LC.1 � OL i�l. � Ov` v9l• II
<br />.. . _.. .':..�.: !t 1J .:y:f.: o. t..i ..G�..'y' � J➢' ::Il..:�.
<br />...,.ifSG COSTS . Iu :Lc imad:�:;; is Bild'. c;1L:icta ci m:(ici�'r;al c:o:l:�� rost�,
<br />.._. :,a fcm ior pm,�arn:on oC morl;:_Go in::rumcnN� ahon:c�e' fec„ titlu im ��
<br />_...��:ce. c.:::�::�In:: i. :.:.c uo:'.::ac:.t:ay e...ai;i l:sca. 'iSc c;,::nalv' coCa vat ,
<br />.': 1� l. t � �.O: a1.l.l � �) }.l'uii .l �.a .y li� it.� u'1�L:u.:C':.
<br />. :' COAiT:!tiC';(OA . A;'I:::. 'riih :�, �:c�;c: �i:ano :�r.d e� c: :cnticns La(o:a I
<br />..,..:r.c:i���. G:c l��dld.r .�.i,�.i.�d to •..:.i::�::t t;�ut th�.. i�ou'c confo.::�s cc iqi- ��.
<br />......,:J �.�.:. (�-1�., w:.tr.:.:.; u iar I vu:.r :uiimiir ; tLc d:Ac on vi�icii ::��� L�.
<br />...:.'.: :�. Il�. v:l,�..d:.. UO\'i: J: i�1C Q:lle J:1 lY:�l:.: L:v` �iLl:.e R:u' i::a� J:CII�ICt1 ''.
<br />... .� ... ....... ....... ii u:aio;; ti:c wn:tan:y yc:io5 You nolict Lc0.c:a iu: '::Si.S ''.
<br />1 �� VN�U�r'.
<br />"8cpiacxment CosP S� un es;l�nale o: Ine current cost ta r, roducc the ,:o, cr� �
<br />Inclucin� Iunn, luhut, sPe eurvcy nnd mnrkc;ing cx, c�uc but c¢cluJin�; pnpmcnt�
<br />foc prc,..'/ enpcwcs e:ch .; Wxcx un� insurancc a:id ciasin6 msts.
<br />If ;i-a cona:mt pricc .� inc prupeny is cGunl �u ur le::r lh:m "V:�Wc of Propar:c'.
<br />acd lim LiY.t pu n cWslnl: co:.L:, u iun o( Wc clminl: cas;s cnn Le h�.cluJ�l� i..
<br />Cm morlg:�;c. 2i� 7I(�: CO\'1'i:�iCT i'iIICI: OY Tiii! PitOi'h:it':l' IS 170;:1'.
<br />'P}id\ "VnLli't: OF 3'i:0i'lilt'1'Y' A\D iiii: I{Ul'I:ii N:l'S TI3E CWSISi;
<br />COS'i5� 73Ili Il U1'iiP. IS P.1YI\G \:Oliu i�Oli 7'iii, i'IIOPcit2Y 7iiAK e ii�1'S
<br />liSY1S:.1T:i Ui� I io \'ALUi:.
<br />Ti:e ;��.v !a:'aires tLat FtId morl;;a; ozs ruceive a:tatcment of "app:�ised valc...
<br />p:ioc Io ihe eoP a( tne peo; etry. If tne snxs eonirucl iizs been aignrd 'ue:cn.
<br />L`.e mart�;'agor :eeeivvs sueit a elatement, the eonUact musl conWin, or mu�.: J.
<br />amcnccd ;o i�cicuc, tiic followin;; lun�uugc;
<br />"It is. .. ngred tnat,. ...��u purc}�nscr sUnli not Lc ubli;;atcd :o
<br />con��; Ictc tiia � vre:iusc ... oc lo Incur mq• pcnuhp ... wilr �::.�
<br />ccllc: huy ac:iccxcd lo llic purch�aT n wriucn stnmmcnl e .
<br />fo:th ... the vnlue of the p[operty (exeWding closin�; costs) r.et 1ic�;
<br />inun $ . Ti�e purcnnser ehall have liie prir.:c;;z
<br />... o! proreedin;, with ... this conUact witiim�t regard to tiie nmuunt
<br />of ti�c . . . valuation."
<br />D�dE 6UYERS
<br />yau LeHcvc lhe 6uildC[ Is responsible, ask h(m in v�ri�in',: b m: nrt f:c�n. ..
<br />hc ioils In tio en, noli(y Inc i�IiA lnsuring o(iicc In �criting. \:unlion �hc du.l II
<br />msc numbcr unawn abova I( Inspecllon snux'� lhc Luiiucr to 6c a; inui:, f.�.: I
<br />Fii.1 u•ili lry to persuadc him to make cortec:ion. if lu duce nu�, vmi mav L: i
<br />ablz to otlaia :G::il rtlicf unAce thc UuilAePs rvannn�l' und u$crc n s:ru::u �. I
<br />dc:cct L Involved ihc i�fl:l iias autLo[ih_to p:oci�?i firaneial :usistanca � �
<br />cnnnmtimi v._� �nntin,^, co[rcations. \tosl huiWers Inkc priuc in thrir war;: u.,u �
<br />ieilf maCe Justi�;.�'o;c corr.etions. 7hcy cannol he espected m correcl dar.�.:r,;�: I
<br />c�used by ordinacy x�cac anu tear ar by poor maunenanee. iizepino ti�e hou��� I
<br />h� �md cor.dilian iv thc o�cncr'y responsibility.
<br />E1IST:\G PROP7.RTIcS - R'I�cre lhe applicallon 1m•olves nn exis�ing pro, cr.:.� i
<br />: IIA make; an app:ui;al to dc�crmlue tiic , ro, erty'n vaWe. :1n apprnlsal doe.
<br />not ttacrant lLe eondltlon of tiie pmpert�L Potenli�l buyers ehould examine ::�.�: �
<br />pcopr:tp c. rciu;l� Lefore si�;nin� n purenasc conuacL 1'i�c �IiA doas aot im': o I
<br />:.utauri o � c ii� cn� 3s..i�t1t h m�:.tttinn �c:tn m in. nc ucu r I
<br />�.tira. ���e� �����" n� loi 1' ���u c� wu 5� tmn-Ja L tl lr n' �utr�J �
<br />nad:: },,c.io.i _3o unu , c.�aus uuwt � v n:c.. u..;..d �t lhc lunc o� lh. i i[d cnm..il,-
<br />�nrn� aF.r,Wd ::nre bcen dlscove:ed be Ihe I�II�I. �he I+iiA h.: autUori:v to n
<br />cidc fin:�r.ci�l n�sisi�r.re i:t connccllon �eltS Laviry: Cic ilciccts corrcctad. :n
<br />suci� ca:;cs yac :6nu11 r.otIIy LLic local Ii Uil/Pii�1 u(iic. immcclamiv upon cs_
<br />covevin^ thc dc:tcls. . I
<br />O: citdTi\G F.XP&\S� S- In ;lic I�ca�in� arc i� Ii.\ cstimat.s o[ mouli�ly co.;.,
<br />oi �axc::, lic�t and utllltics, !L'c ineunv�,ce, mninlcnmsc nnd rrmlrs. '1'hc c;lLn;vr.i
<br />tigurce �rill p:a'uably L�rt�e to L: adJusteo �ehen you :ccclve tim uclual bill;. ��
<br />fV fdIND �lii.7li� A105i COib;,IUNITI"c5 TAX"c5 AND Oili�R OI':i�:A?
<br />IVv COSIS A^c IP1�.C:ASIPIG. Sim uiiina�as ciiauld ;;Ivc sontc Ida� ci I
<br />�t'n:.t you c:m czpcct ti��c co:.Lt :0 6c at tLc Ucginnin�. In umr.c n[c;��, ]�ii.1'.:
<br />c4imam e[ :nxu. wn� ul;u L:dudc c6urgcs su:h ue nrHcc um:yca, g.uu�;;c euli..- .
<br />1i011 f¢C� N'4:C: Y3lca� c:C. �
<br />IR YOU SI37,L - ii pou scll a�lillc li:c morigaga c:dsls, t'nc Uuycr rnay :mx::c< 'i
<br />cn�.c.il �.:a�.. tir.dcc:;tuod'uo•a• Uusc nrcnngenunts may pf:cclyoa Cm -r'� �
<br />yo,.. lc..�i�r.
<br />i. You may cc:l ior all c�ch and � ay a:: your monga;;c. i iils cnd; ; o, :�
<br />... ...� Luyl: c.�a as.,unc l6c morlg; gc :u:.l , ay lim dii:crcncc bclwrn� ��... ,.
<br />ti;,:ai1 uclar�ca a��u :Lc :uiin� �Cc�: in ..�.,�.. .� w� Fli�i :md l',�c i.._ �
<br />. xt �siliin� to �cca�,ri tiie buycr .�, a mo.i:;u„cc� lon cm� L. �Jn��c❑ �, ._ !
<br />:cc:nc: i �Siii_:. T�is :tyui:c: tLc crccim a,pmval a: li:c Icndcr ucd :1:.� .
<br />.•'ii.':. i
<br />(?:iE�::O?'��:�?.3GV��i�:l07.�:i�:uD$ 1S T�:cl°cRACL"c i0 11�ci?:0..
<br />�o. :kc ..u,,d. .,:u .�.c ul..irer.cc Li c.� ' . i
<br />�� ��f ' S�1 Ri14 �LL�Cll�liC GL��CCI �O :�. ...
<br />,:.idr:o:1�:.�eL::lan.a�iiAozl�:ucc:u�,rcr.:Ll;nu�ncn..:v�ulli'(G:: -
<br />- 1� ".�::lL �J.t �' = 5.' LU'i \Ul;" C'
<br />�.✓ D R�::ULT 1:1 A u�:l�:i�\CY 1UuGnl..�. n\J I��t7i��„ '
<br />YvG�: C::?�ii Sii�����LCG. �.
<br />:�i�.lOUi��i �iG i`t ::0:;.:VPI<D
<br />.. ,�� Lurr.�:� lo Luy n hm.re, Y���� P^y hdcrcel and WLcc Cl:�r;:U l:'i�idt nt:d to youC coal. .� lor,:cf �iu�rn-
<br />, i��rnl will rr,ull lu n.:m:dba wu:q:a���.. Iturcuv' nn llltic :m yuu �.cad miQ [v4xy nt lhc id�o�:cl ll:uc.
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