clientbook - pioneer title co · 2014. 7. 10. · your second or third go-around, the process can...

PioneerTitleCo. | CLIENTBOOK | 1

CLIENTBOOK Useful resources and information to help youthrough the real estate transaction process.

2 | PioneerTitleCo. | CLIENTBOOK

Valued Client,

Buying or selling a home is one of the most significant events in our lives.

Moreover, real estate is a huge financial investment and really is a part of the

American Dream. Whether this is your first time as a buyer or seller, or if this is

your second or third go-around, the process can be daunting.

Pioneer Title Co. takes away the confusion and we strive to make things simple

and easy for everyone.

As your title company, we help bring your transaction together as we orches-

trate with your lender and real estate agent to make sure things are done

quickly and meticulously. As such, we cannot emphasize enough how impor-

tant it is that you work with a real estate professional. They will help you work

through the intricacies of real estate transactions before you come to our

closing table in an effort to educate you on the nuances of our markets while

helping you make informed decisions.

This publication contains information about how the closing process works,

costs that you can expect in the transfer of real estate, and other pieces we

think you’ll find useful and answer questions you may have along the way. Rest

assured that, together with your real estate professionals, at Pioneer Title,

we’re going beyond and we’re committed to making your transaction experi-

ence pleasant and successful.

Best Wishes,

Tim Bundgard

President & CEO - Pioneer Title Co.

A note from Tim...


Outside ⌂ Lawn mowed and trimmed ⌂ Landscape shrubs/plants trimmed ⌂ Sprinkler systems in order ⌂ Sprinkler systems set for non showing hours ⌂ Bulbs in exterior lighting all working ⌂ Gutters clean of debris ⌂ Deck rails, hand rails secure ⌂ Exterior trim painted ⌂ Exterior door handles polished ⌂ Exterior door freshly painted or stained ⌂ Weeds in yard fully removed ⌂ Sidewalks neatly edged ⌂ Clean grease or oil on driveway ⌂ All fencing clean ⌂ Replace doormat if worn ⌂ Outside windows clean ⌂ No obstruction on “For Sale” sign

GARAGE ⌂ Storage or packing boxes stored off site if possible ⌂ Other items neatly boxed and stored ⌂ Garage floor clean ⌂ Remove clutter and tidy up shelves

KITCHEN ⌂ All appliances clean ⌂ Clean and clear countertops ⌂ Pantry well organized ⌂ Dishes out of sink ⌂ All cabinets well organized ⌂ All faucets working properly ⌂ Oven clean ⌂ Refrigerator free of odors ⌂ Freezer defrosted and free of odors

CLOSETS ⌂ Clean and free of clutter ⌂ Clothes organized ⌂ Shoes organized ⌂ Clutter removed ⌂ Dirty clothes out of sight ⌂ Valuables secured ( jewelry etc .. ) ⌂ Free of odors ⌂ Create extra room to look ample

BEDROOMS ⌂ Repair cracks in ceilings and walls ⌂ Remove personal items (photos etc .. ) ⌂ Remove clutter ⌂ Draperies and blinds clean ⌂ Fresh paint if needed ⌂ Toys, video games etc ... put away ⌂ Beds neatly made ⌂ Blinds and shades open to let in natural light

BATHROOMS ⌂ All sinks, tubs, showers and countertops clean ⌂ Grout in tiles and sinks clean ⌂ All joints are caulked ⌂ All fixtures including exhaust fans are working ⌂ Install new shower curtain if needed ⌂ Store all shampoos, toiletries etc ... ⌂ Repair leaky faucets ⌂ Toilets clean and working properly ⌂ All glass and mirrors clean

LIVING AREAS ⌂ All windows clean ⌂ Neutral colored walls ⌂ Draperies and blinds clean ⌂ Carpets steam-cleaned ⌂ Clutter removed ⌂ Furniture positioned to showcase size and ·space ⌂ All toys, video games etc ... put away ⌂ Extra books or magazines removed ⌂ All lighting functioning properly ⌂ Shades and windows open to allow natural light ⌂ Any signs or smells of pet removed

DAY OF SHOWING ⌂ Open all drapes and curtains ⌂ Leave porch lights on at night to showcase ⌂ Avoid cooking a meal that would leave distinct odors ⌂ Keep all pets in an area away from prospects ⌂ Keep children occupied in one room ⌂ If possible, leave the house while being shown ⌂ Give brief polite answers if asked a question ⌂ Allow your agent to show ⌂ Allow your agent to negotiate

Preparing Your Home For Sale...


REALTOR: The term REALTOR® is a federally registered membership mark used by real estate professionals who are members of the NATIONAL ASSOCIA-

TION OF REALTORS® and agree to abide by its strict Code of Ethics. Not all real estate licensees are REALTORS®.

LISTING AGREEMENT: A listing agreement is an employment contract between a seller and a listing broker. The agreement establishes the duties of the

broker and the terms under which the broker will earn a commission.

BUYER-BROKER AGREEMENT: A buyer-broker employment agreement is an employment agreement between a buyer and a broker that employs the

broker to locate property and negotiate terms and conditions acceptable to the buyer for the purchase of a home. The buyer usually agrees to work

exclusively with the broker and the compensation that the buyer is obligated to pay is often offset by any compensation the broker receives from the

listing agent.

AGENCY: Agency is the relationship that occurs when a broker represents a buyer or seller in a real estate transaction. An agent has fiduciary duties to

the client such as confidentiality, accounting, reasonable care, loyalty, obedience, advocacy, and disclosure.

DUAL AGENCY: Dual agency occurs when one broker individually, or two agents within the same brokerage firm, represent both buyer and seller in a real

estate transaction. Dual agency is legal with consent.

MLS: The Multiple Listing Service (“MLS”) is a repository of information on homes for sale. The MLS is also a means by which broker participants make

offers of compensation to other broker participants for bringing a ready, willing and able buyer for the property.

CONTINGENCY: A contingency is a clause in a contract that requires the completion of a certain act before the parties are obligated to perform their

contractual obligations. The most common contingencies are financing, acceptable property condition, and condition of title.

AS IS: In an “AS IS” contract the seller is saying that the property will be sold in its existing physical condition and the buyer is taking the property’s

condition into account when making an offer. The clause does not negate a seller’s common law duty to disclose known latent material defects.

FIXTURES AND PERSONAL PROPERTY: A fixture is an item that was once personal property, but is affixed to the home in such a manner as to become a

part of the home itself. A buyer purchases the fixtures affixed to the home, but personal property is not part of the transaction unless it is listed in the

contract. The contract should specifically identify all items that are to be conveyed in the transaction.

RIGHT OF FIRST REFUSAL: A first right of refusal is a provision in a contract that requires the owner of a home to give another party (usually a tenant) the

first opportunity to purchase or lease the property before it is offered for sale to another.

Important Terms to Know...


ESCROW INSTRUCTIONS: Escrow instructions are instructions to the escrow company on how to carry out the terms of a contract. The contract is often

used as escrow instructions. Other times, the escrow instructions are pre-printed forms from the escrow company with any necessary additional or

supplemental instructions.

TITLE COMMITMENT: The title commitment generally reflects the condition of the title to the home. The commitment tells the buyer whether the taxes

and assessments are paid, whether there are deed restrictions, liens and easements on the property, and what the requirements are to the issuance

of title insurance on the home.

TITLE INSURANCE: There are generally two title insurance policies issued at close of escrow, the owner’s policy and the lender’s policy. The owner’s

policy is an insurance policy that protects a homeowner from defects in the title to the home, such as a forged deed. The lender’s policy protects the

lender against the same sort of title defects until the loan is paid.

CONDITIONS, COVENANTS & RESTRICTIONS (“CC&R’S”): CC&R’s are recorded against the home and are an enforceable contract. The CC&R’s empower the

homeowner’s association, if there is one, to control certain aspects of the home. If there is no homeowner’s association, the CC&R’s can be enforced

by the other homeowners. A home buyer should always carefully read the CC&R’s (and any other association documents) because the buyer will be

obligated to comply with all the rules and restrictions.

EASEMENT: An easement gives persons other than the owner access to or a right of way over the homeowner’s property. Common easements

include utility easements and roadway easements.

HOMESTEAD RIGHT: The homestead exemptions the home in which the person resides from attachment execution and forced sale due to a non-con-

sensual judgment or lien, up to $150,000 in value or equity. The homestead exemptions only prevents certain creditors, such as judgment creditors,

from taking the first $150,000 of equity in a person’s home to satisfy a debt. Liens that a person allows to be recorded against the home, such as

a mortgage or deed of trust are not affected by the homestead exemption. Homeowners do not need to take any action to assert the homestead

exemption because the exemption attaches automatically.

HOMEOWNER’S EXEMPTION: If you’re a homeowner, you can apply for an exemption on the value of your owner-occupied primary residence, includ-

ing a manufactured home. The exemption applies to fifty percent of the value of the residence (including up to one acre of land) or $83,974 (in 2012),

whichever is less. Taxes are computed on the nonexempt value. You may also apply for this exemption on your home (not land) if you’re paying

occupancy taxes.


Close of escrow is a term that most people know, but the closing process often remains a mystery even to seasoned Buyers and Sellers.

The closing process usually begins 2 to 4 days prior to the scheduled close of escrow with the lender delivering the Buyer’s loan package and closing instruc-tions to the title company. The escrow officer then prepares a settlement statement containing a full accounting of all the costs in the transaction, notifies the Buyers of any additional funds needed to close and sets an appointment for the Buyers to sign the loan documents.

When the lender’s documents have been signed, they are returned via messenger, express mail or fax to the lender’s loan closer who will review and approve the package for funding. After the package receives final approval, the closer notifies the escrow officer that loan proceeds are available. Once all required funds are deposited and available for withdrawal in the escrow bank account, the deed is released for recording. When the deed records, escrow has “closed.”

Because this is an informal process, it requires a coordination of efforts among all the parties to ensure a timely, successful closing. Employing an experi-enced real estate professional to captain the “closing team” is the best way to make sure your escrow closes on time. Many variables can come into play which could delay the closing or create last minute “surprises”. Your agent can prepare you for possible problems and have options available to smooth the way.

Closing tips:Be Available. Time is often short at the closing. Make sure you are prepared to take time from work or other commitments.

Be ready to act on short notice.Be flexible. Even the best laid plans can’t ensure there will be no glitches at closing time. It may be necessary to juggle or rearrange at the last minute.

Ensure that the escrow officer has all needed information. Provide the name and number of your lender and insurance agent, the source of your closing funds, your schedule, and any adjustments to the settlement costs as soon as possible.

Remember that state law requires available funds for the closing. The funds you use to close are the same funds the title company will use for payments at close of escrow, so your funds must be “immediately negotiable”. Personal, money market, or investment broker’s checks will not be accepted since they all are subject to collection and cannot be immediately converted to cash at the title company’s bank. Even cashier’s checks require a hold of one day after bank deposit, so be sure to deposit all closing funds at least 2 days prior to your anticipated closing date. Only funds wired directly into the escrow bank account are available immediately upon deposit.

Communicate with your loan officer to determine any last minute requirements of the loan funding. Bank statements, credit explanation letters, check cop-ies or payment of debts are some requirements made by the lender which could delay the closing or add needless stress. You should also ensure that your lender is prepared to have their loan proceeds in the escrow bank account available for withdrawal prior to the scheduled closing. Failure to have available loan proceeds will delay your closing.

Ask your agent to be present at the closing. Your escrow officer has no knowledge of conversations between the parties, how the contract was negoti-ated, what representations were made by the lender, or other specifics of the sale beyond the terms printed in the purchase contract. The contract and the lender’s closing instructions are the escrow officer’s “bible” at closing and Buyers often have questions or concerns that can only be addressed by someone who has been more closely involved, such as your agent.

If you wish to review the closing documents, ask your agent, loan officer or the escrow officer to provide copies of pertinent documents in advance. Trying to read and absorb the dozens of documents in your loan package at the signing will be very time consuming.

The Closing...


Idaho is a “Good Funds” State. This means no funds may be disbursed from an escrow account until those funds are physically available for withdrawal in the escrow agent’s Trust Account. All Customer deposits and Lender’s loan proceeds checks will need to clear the payor’s bank prior to closing.

Below are minimum guidelines for determining availability of Good Funds. The time frames indicated are business days after the funds have been deposited into our bank. NOT AFTER RECEIPT BY THE ESCROW OFFICER.

Understanding Good Funds Requirements...

MONEY ORDERS, TRAVELER’S CHECKS, DRAFTS, FOREIGN BANK CHECKS, THIRD PARTY CHECKS AND CASH ARE NEVER ACCEPTABLE FORMS OF DEPOSIT.

A local check is one drawn against a bank located in the same processing district as our depository bank. Any account with an ABA number beginning with “12” or “32” is in our processing district and is a local check.

Funds availability is always subject to payment by the bank upon which the check is drawn. Since it can take 14 days or more to receive notification of non-sufficient funds and returned items from the paying bank, any disbursements within 14 days of deposit of a personal check will require verification of payment by the paying bank. The time frames above are minimums only. Each situation is unique and compliance with Idaho’s Good Funds Statute may require more time than stated depending on the type and source of deposit.Wired Funds are required to avoid a delay in your closing. If you intend to make an escrow deposit by other means, contact your escrow officer immediately for specific instructions or information. Pioneer Title Company assumes no liability for closing delays due to the failure of any party to provide Good Funds.

Available on the day of Bank Deposit...• Electronic Transfer/Wired Funds (required

for same-day loan and closing funds. • Title company-issued checks

Available One Day After Deposit...• Cashier’s, Official, Certified, and Teller’s

checks from federally insured banks only*

*Must be verified by the customer’s bank prior to close of escrow.

Available 3 days after Deposit...• Local personal checks*• Other credit union checks (local)*• Corporate checks (local)*

Available 7 days after Deposit...• All non-local checks• Non-FDIC insured checks*

*Must be verified by the customer’s bank prior to close of escrow.


Important Property Tax Information...

1. Annual statements are billed for the calendar year, although they are not issued until the fall of the current year.2. Taxes may be paid in two halves:

• The first installment is due December 20th and delinquent December 21st.• The second installment is due June 20th of the following year and delinquent June 21st.

3. Always check the property description on the tax statement to avoid paying on the wrong property. The Treasurer cannot be held responsiblefor payments made on the wrong property. To assure proper posting of payments and information to your address, please furnish your parcelnumber when making any payments or inquiries at the Assessor’s or Treasurer’s office. This number can be found on paperwork supplied toyou by your title insurance company.

4. The law does not recognize failure to receive a tax statement as reason for waiving interest. The Treasurer must assess interest on all delin-quent payments.

5. Each year, an Assessment Notice is sent from the Assessor to each property owner, at the last known address. The Notice includes informa-tion for the new tax year, such a property full cash value, assessed value, classification and assessment ratio.

6. During a specified period after receipt of assessment notice, valuations can be protested through the County Assessor. For information, callyour local County Assessor’s office. Directories can be found at pioneertitleco.com/taxes

Who Pays What...

FHA VA CONV CASH

Property Inspection Buyer Buyer Buyer Buyer

Lender-Required Property Repairs (if any) ex. VA Seller Seller Seller Seller

New Loan Origination Fee Buyer Buyer Buyer -

Discount Points Buyer Buyer Buyer -

Document Prep Fee Buyer Seller Buyer -

Credit Report Buyer Buyer Buyer -

Appraisal Fee Seller Seller Seller -

Existing Loan Payoff Seller Seller Seller Seller

Assessment Payoff (Sewer, etc.) Seller Seller Seller Seller

Taxes (at time of close) Prorate Prorate Prorate Prorate

Tax Service Fee Seller Seller Buyer -

Homeowner’s Association (HOE) Transfer Free Buyer Buyer Buyer Buyer

Current Homeowner’s Association Payment Prorate Prorate Prorate Prorate

Next HOA payment Buyer Buyer Buyer Buyer

Home Warranty Premium - - - -

Real Estate Agent Commission Seller Seller Seller Seller

Homeowner’s Title Policy Seller Seller Seller Seller

Lender’s Title Policy, Endorsements, and Extended Buyer Buyer Buyer -

Escrow Fees Split Seller Split Split

Recording Fees Buyer Buyer Buyer Buyer

Courier Fees (benefitting party) - - - -

Outgoing Wire Fees (benefitting party) - - - -

Email Loan Documents Buyer Buyer Buyer Buyer

PLEASE NOTE: This schedule demonstrates typical and customary allocation of different costs associated with various transcation types commonly seen in our area. Some may or may not be negotiatiable depending on your situation. Please consult a real estate professional or attorney to de-termine what suits your needs.


A Note About Our Rate Schedule...

Refinance Title Insurance Rate Examples

Loan Amount Rate Reissue

Old Republic$150,000 $831 $207.75

($623.25 w/reissue)

FATCO $150,000 $850 N/A

Old Republic$300,000 $1,326 $331.50

($994.50 w/reissue)

FATCO $300,000 $1,300 N/A

Old Republic$450,000 $1,696.50 $424

($1,272.50 w/reissue)

FATCO $450,000 $1,675 N/A

Title Fees:

• Simply put, we have two underwriters (Old Republic and First American) and each of them have “Refinance Rates” and “Purchase Rates.” As you know, each real estate transaction is unique so your Title Commitment could come from Old Republic or First Ameri-can depending on the scenario. In a nutshell we have the best of both worlds! The important thing to know about Old Republic’s “Refinance Rate” is that it offers a Reissue Credit of 25% within 2 years of a policy being issued.

Escrow Fees:

Like our underwriters, Pioneer Title Co. has different Escrow Closing Fees for Refinance Transactions and Purchase Transactions.

Refinance Escrow Closing Fee:$3.00 per $1,000 with minimum fee of $100 and can be negotiated down to $550 if calculation exceeds that amount.Example: $150,000 loan amount our closing fee would be $3 x 150 = $450

Purchase Escrow Closing Fee:$3 per $1000 + $150 and a minimum negotiable amount of $680.Example: $150,000 purchase price our closing fee would be $3 x 150 + $150 = $600


Rate Schedule of Title Insurance Rates (ORT)- Underwritten by Old Republic National Title Insurance Company -

Effective August 1, 2000

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$10,000.00 $200.00 $60.00 $11,000.00 $206.00 $61.80 $12,000.00 $212.00 $63.60 $13,000.00 $218.00 $65.40 $14,000.00 $224.00 $67.20 $15,000.00 $230.00 $69.00 $16,000.00 $236.00 $70.80 $17,000.00 $242.00 $72.60 $18,000.00 $248.00 $74.40 $19,000.00 $254.00 $76.20 $20,000.00 $260.00 $78.00 $21,000.00 $266.00 $79.80 $22,000.00 $272.00 $81.60 $23,000.00 $278.00 $83.40 $24,000.00 $284.00 $85.20

$40,000.00 $375.00 $112.50 $41,000.00 $380.50 $114.15 $42,000.00 $386.00 $115.80 $43,000.00 $391.50 $117.45 $44,000.00 $397.00 $119.10 $45,000.00 $402.50 $120.75 $46,000.00 $408.00 $122.40 $47,000.00 $413.50 $124.05 $48,000.00 $419.00 $125.70 $49,000.00 $424.50 $127.35 $50,000.00 $430.00 $129.00 $51,000.00 $433.50 $130.50 $52,000.00 $437.00 $131.10 $53,000.00 $440.50 $132.15 $54,000.00 $444.00 $133.20

$100,000.00 $605.00 $181.50 $101,000.00 $608.00 $182.40 $102,000.00 $611.00 $183.30 $103,000.00 $614.00 $184.20 $104,000.00 $617.00 $185.10 $105,000.00 $620.00 $186.00 $106,000.00 $623.00 $186.90 $107,000.00 $626.00 $187.80 $108,000.00 $629.00 $188.70 $109,000.00 $632.00 $189.60 $110,000.00 $635.00 $190.50 $111,000.00 $638.00 $191.40 $112,000.00 $641.00 $192.30 $113,000.00 $644.00 $193.20 $114,000.00 $647.00 $194.10

$175,000.00 $830.00 $249.00 $176,000.00 $833.00 $249.90 $177,000.00 $836.00 $250.80 $178,000.00 $839.00 $251.70 $179,000.00 $842.00 $252.60 $180,000.00 $845.00 $253.50 $181,000.00 $848.00 $254.40 $182,000.00 $851.00 $255.30 $183,000.00 $854.00 $256.20 $184,000.00 $857.00 $257.10 $185,000.00 $860.00 $258.00 $186,000.00 $863.00 $258.90 $187,000.00 $866.00 $259.80 $188,000.00 $869.00 $260.70 $189,000.00 $872.00 $261.60

$250,000.00 $1,055.00 $316.50 $251,000.00 $1,058.00 $317.40 $252,000.00 $1,061.00 $318.30 $253,000.00 $1,064.00 $319.20 $254,000.00 $1,067.00 $320.10 $255,000.00 $1,070.00 $321.00 $256,000.00 $1,073.00 $321.90 $257,000.00 $1,076.00 $322.80 $258,000.00 $1,079.00 $323.70 $259,000.00 $1,082.00 $324.60 $260,000.00 $1,085.00 $325.50 $261,000.00 $1,088.00 $326.40 $262,000.00 $1,091.00 $327.30 $263,000.00 $1,094.00 $328.20 $264,000.00 $1,097.00 $329.10

$55,000.00 $447.50 $134.25 $56,000.00 $451.00 $135.30 $57,000.00 $454.50 $136.35 $58,000.00 $458.00 $137.40 $59,000.00 $461.50 $138.45 $60,000.00 $465.00 $139.50 $61,000.00 $468.50 $140.55 $62,000.00 $472.00 $141.60 $63,000.00 $475.50 $142.65 $64,000.00 $479.00 $143.70 $65,000.00 $482.50 $144.75 $66,000.00 $486.00 $145.80 $67,000.00 $489.50 $146.85 $68,000.00 $493.00 $147.90 $69,000.00 $496.50 $148.95

$115,000.00 $650.00 $195.00 $116,000.00 $653.00 $195.90 $117,000.00 $656.00 $196.80 $118,000.00 $659.00 $197.70 $119,000.00 $662.00 $198.60 $120,000.00 $665.00 $199.50 $121,000.00 $668.00 $200.40 $122,000.00 $671.00 $201.30 $123,000.00 $674.00 $202.20 $124,000.00 $677.00 $203.10 $125,000.00 $680.00 $204.00 $126,000.00 $683.00 $204.90 $127,000.00 $686.00 $205.80 $128,000.00 $689.00 $206.70 $129,000.00 $692.00 $207.60

$190,000.00 $875.00 $262.50 $191,000.00 $878.00 $263.40 $192,000.00 $881.00 $264.30 $193,000.00 $884.00 $265.20 $194,000.00 $887.00 $266.10 $195,000.00 $890.00 $267.00 $196,000.00 $893.00 $267.90 $197,000.00 $896.00 $268.80 $198,000.00 $899.00 $269.70 $199,000.00 $902.00 $270.60 $200,000.00 $905.00 $271.50 $201,000.00 $908.00 $272.40 $202,000.00 $911.00 $273.30 $203,000.00 $914.00 $274.20 $204,000.00 $917.00 $275.10

$265,000.00 $1,100.00 $330.00 $266,000.00 $1,103.00 $330.90 $267,000.00 $1,106.00 $331.80 $268,000.00 $1,109.00 $332.70 $269,000.00 $1,112.00 $333.60 $270,000.00 $1,115.00 $334.50 $271,000.00 $1,118.00 $335.40 $272,000.00 $1,121.00 $336.30 $273,000.00 $1,124.00 $337.20 $274,000.00 $1,127.00 $338.10 $275,000.00 $1,130.00 $339.00 $276,000.00 $1,133.00 $339.90 $277,000.00 $1,136.00 $340.80 $278,000.00 $1,139.00 $341.70 $279,000.00 $1,142.00 $342.60

$25,000.00 $290.00 $87.00 $26,000.00 $296.00 $88.80 $27,000.00 $302.00 $90.60 $28,000.00 $308.00 $92.40 $29,000.00 $314.00 $94.20 $30,000.00 $320.00 $96.00 $31,000.00 $325.50 $97.65 $32,000.00 $331.00 $99.30 $33,000.00 $336.50 $100.95 $34,000.00 $342.00 $102.60 $35,000.00 $347.50 $104.25 $36,000.00 $353.00 $105.90 $37,000.00 $358.50 $107.55 $38,000.00 $364.00 $109.20 $39,000.00 $369.50 $110.85

$85,000.00 $552.50 $165.75 $86,000.00 $556.00 $166.80 $87,000.00 $559.50 $167.85 $88,000.00 $563.00 $168.90 $89,000.00 $566.50 $169.95 $90,000.00 $570.00 $171.00 $91,000.00 $573.50 $172.05 $92,000.00 $577.00 $173.10 $93,000.00 $580.50 $174.15 $94,000.00 $584.00 $175.20 $95,000.00 $587.50 $176.25 $96,000.00 $591.00 $177.30 $97,000.00 $594.50 $178.35 $98,000.00 $598.00 $179.40 $99,000.00 $601.50 $180.45

$160,000.00 $785.00 $235.50 $161,000.00 $788.00 $236.40 $162,000.00 $791.00 $237.30 $163,000.00 $794.00 $238.20 $164,000.00 $797.00 $239.10 $165,000.00 $800.00 $240.00 $166,000.00 $803.00 $240.90 $167,000.00 $806.00 $241.80 $168,000.00 $809.00 $242.70 $169,000.00 $812.00 $243.60 $170,000.00 $815.00 $244.50 $171,000.00 $818.00 $245.40 $172,000.00 $821.00 $246.30 $173,000.00 $824.00 $247.20 $174,000.00 $827.00 $248.10

$235,000.00 $1,010.00 $303.00 $236,000.00 $1,013.00 $303.90 $237,000.00 $1,016.00 $304.80 $238,000.00 $1,019.00 $305.70 $239,000.00 $1,022.00 $306.60 $240,000.00 $1,025.00 $307.50 $241,000.00 $1,028.00 $308.40 $242,000.00 $1,031.00 $309.30 $243,000.00 $1,034.00 $310.20 $244,000.00 $1,037.00 $311.10 $245,000.00 $1,040.00 $312.00 $246,000.00 $1,043.00 $312.90 $247,000.00 $1,046.00 $313.80 $248,000.00 $1,049.00 $314.70 $249,000.00 $1,052.00 $315.60

$70,000.00 $500.00 $150.00 $71,000.00 $503.50 $151.05 $72,000.00 $507.00 $152.10 $73,000.00 $510.50 $153.15 $74,000.00 $514.00 $154.20 $75,000.00 $517.50 $155.25 $76,000.00 $521.00 $156.30 $77,000.00 $524.50 $157.35 $78,000.00 $528.00 $158.40 $79,000.00 $531.50 $159.45 $80,000.00 $535.00 $160.50 $81,000.00 $538.50 $161.55 $82,000.00 $542.00 $162.60 $83,000.00 $545.50 $163.65 $84,000.00 $549.00 $164.70

$145,000.00 $740.00 $222.00 $146,000.00 $743.00 $222.90 $147,000.00 $746.00 $223.80 $148,000.00 $749.00 $224.70 $149,000.00 $752.00 $225.60 $150,000.00 $755.00 $226.50 $151,000.00 $758.00 $227.40 $152,000.00 $761.00 $228.30 $153,000.00 $764.00 $229.20 $154,000.00 $767.00 $230.10 $155,000.00 $770.00 $231.00 $156,000.00 $773.00 $231.90 $157,000.00 $776.00 $232.80 $158,000.00 $779.00 $233.70 $159,000.00 $782.00 $234.60

$220,000.00 $965.00 $289.50 $221,000.00 $968.00 $290.40 $222,000.00 $971.00 $291.30 $223,000.00 $974.00 $292.20 $224,000.00 $977.00 $293.10 $225,000.00 $980.00 $294.00 $226,000.00 $983.00 $294.90 $227,000.00 $986.00 $295.80 $228,000.00 $989.00 $296.70 $229,000.00 $992.00 $297.60 $230,000.00 $995.00 $298.50 $231,000.00 $998.00 $299.40 $232,000.00 $1,001.00 $300.30 $233,000.00 $1,004.00 $301.20 $234,000.00 $1,007.00 $302.10

$295,000.00 $1,190.00 $357.00 $296,000.00 $1,193.00 $357.90 $297,000.00 $1,196.00 $358.80 $298,000.00 $1,199.00 $359.70 $299,000.00 $1,202.00 $360.60 $300,000.00 $1,205.00 $361.50 $301,000.00 $1,207.25 $362.18 $302,000.00 $1,209.50 $362.85 $303,000.00 $1,211.75 $363.53 $304,000.00 $1,214.00 $364.20 $305,000.00 $1,216.25 $364.88 $306,000.00 $1,218.50 $365.55 $307,000.00 $1,220.75 $366.23 $308,000.00 $1,223.00 $366.90 $309,000.00 $1,225.25 $367.58

$130,000.00 $695.00 $208.50 $131,000.00 $698.00 $209.40 $132,000.00 $701.00 $210.30 $133,000.00 $704.00 $211.20 $134,000.00 $707.00 $212.10 $135,000.00 $710.00 $213.00 $136,000.00 $713.00 $213.90 $137,000.00 $716.00 $214.80 $138,000.00 $719.00 $215.70 $139,000.00 $722.00 $216.60 $140,000.00 $725.00 $217.50 $141,000.00 $728.00 $218.40 $142,000.00 $731.00 $219.30 $143,000.00 $734.00 $220.20 $144,000.00 $737.00 $221.10

$205,000.00 $920.00 $276.00 $206,000.00 $923.00 $276.90 $207,000.00 $926.00 $277.80 $208,000.00 $929.00 $278.70 $209,000.00 $932.00 $279.60 $210,000.00 $935.00 $280.50 $211,000.00 $938.00 $281.40 $212,000.00 $941.00 $282.30 $213,000.00 $944.00 $283.20 $214,000.00 $947.00 $284.10 $215,000.00 $950.00 $285.00 $216,000.00 $953.00 $285.90 $217,000.00 $956.00 $286.80 $218,000.00 $959.00 $287.70 $219,000.00 $962.00 $288.60

$280,000.00 $1,145.00 $343.50 $281,000.00 $1,148.00 $344.40 $282,000.00 $1,151.00 $345.30 $283,000.00 $1,154.00 $346.20 $284,000.00 $1,157.00 $347.10 $285,000.00 $1,160.00 $348.00 $286,000.00 $1,163.00 $348.90 $287,000.00 $1,166.00 $349.80 $288,000.00 $1,169.00 $350.70 $289,000.00 $1,172.00 $351.60 $290,000.00 $1,175.00 $352.50 $291,000.00 $1,178.00 $353.40 $292,000.00 $1,181.00 $354.30 $293,000.00 $1,184.00 $355.20 $294,000.00 $1,187.00 $356.10


Insuranceto and

including

Insuranceto and

including

Insuranceto and

including

Insuranceto and


ALTALenders

Extended

ALTALenders

Extended

ALTALenders

Extended

ALTALenders

Extended

$325,000.00 $1,261.25 $378.38 $326,000.00 $1,263.50 $379.05 $327,000.00 $1,265.75 $379.73 $328,000.00 $1,268.00 $380.40 $329,000.00 $1,270.25 $381.08 $330,000.00 $1,272.50 $381.75 $331,000.00 $1,274.75 $382.43 $332,000.00 $1,277.00 $383.10 $333,000.00 $1,279.25 $383.78 $334,000.00 $1,281.50 $384.45 $335,000.00 $1,283.75 $385.13 $336,000.00 $1,286.00 $385.80 $337,000.00 $1,288.25 $386.48 $338,000.00 $1,290.50 $387.15 $339,000.00 $1,292.75 $387.83

$400,000.00 $1,430.00 $429.00 $401,000.00 $1,432.25 $429.68 $402,000.00 $1,434.50 $430.35 $403,000.00 $1,436.75 $431.03 $404,000.00 $1,439.00 $431.70 $405,000.00 $1,441.25 $432.38 $406,000.00 $1,443.50 $433.05 $407,000.00 $1,445.75 $433.73 $408,000.00 $1,448.00 $434.40 $409,000.00 $1,450.25 $435.08 $410,000.00 $1,452.50 $435.75 $411,000.00 $1,454.75 $436.43 $412,000.00 $1,457.00 $437.10 $413,000.00 $1,459.25 $437.78 $414,000.00 $1,461.50 $438.45

$340,000.00 $1,295.00 $388.50 $341,000.00 $1,297.25 $389.18 $342,000.00 $1,299.50 $389.85 $343,000.00 $1,301.75 $390.53 $344,000.00 $1,304.00 $391.20 $345,000.00 $1,306.25 $391.88 $346,000.00 $1,308.50 $392.55 $347,000.00 $1,310.75 $393.23 $348,000.00 $1,313.00 $393.90 $349,000.00 $1,315.25 $394.58 $350,000.00 $1,317.50 $395.25 $351,000.00 $1,319.75 $395.93 $352,000.00 $1,322.00 $396.60 $353,000.00 $1,324.25 $397.28 $354,000.00 $1,326.50 $397.95

$415,000.00 $1,463.75 $439.13 $416,000.00 $1,466.00 $439.80 $417,000.00 $1,468.25 $440.48 $418,000.00 $1,470.50 $441.15 $419,000.00 $1,472.75 $441.83 $420,000.00 $1,475.00 $442.50 $421,000.00 $1,477.25 $443.18 $422,000.00 $1,479.50 $443.85 $423,000.00 $1,481.75 $444.53 $424,000.00 $1,484.00 $445.20 $425,000.00 $1,486.25 $445.88 $426,000.00 $1,488.50 $446.55 $427,000.00 $1,490.75 $447.23 $428,000.00 $1,493.00 $447.90 $429,000.00 $1,495.25 $448.58

$310,000.00 $1,227.50 $368.25 $311,000.00 $1,229.75 $368.93 $312,000.00 $1,232.00 $369.60 $313,000.00 $1,234.25 $370.28 $314,000.00 $1,236.50 $370.95 $315,000.00 $1,238.75 $371.63 $316,000.00 $1,241.00 $372.30 $317,000.00 $1,243.25 $372.98 $318,000.00 $1,245.50 $373.65 $319,000.00 $1,247.75 $374.33 $320,000.00 $1,250.00 $375.00 $321,000.00 $1,252.25 $375.68 $322,000.00 $1,254.50 $376.35 $323,000.00 $1,256.75 $377.03 $324,000.00 $1,259.00 $377.70

$385,000.00 $1,396.25 $418.88 $386,000.00 $1,398.50 $419.55 $387,000.00 $1,400.75 $420.23 $388,000.00 $1,403.00 $420.90 $389,000.00 $1,405.25 $421.58 $390,000.00 $1,407.50 $422.25 $391,000.00 $1,409.75 $422.93 $392,000.00 $1,412.00 $423.60 $393,000.00 $1,414.25 $424.28 $394,000.00 $1,416.50 $424.95 $395,000.00 $1,418.75 $425.63 $396,000.00 $1,421.00 $426.30 $397,000.00 $1,423.25 $426.98 $398,000.00 $1,425.50 $427.65 $399,000.00 $1,427.75 $428.33

$370,000.00 $1,362.50 $408.75 $371,000.00 $1,364.75 $409.43 $372,000.00 $1,367.00 $410.10 $373,000.00 $1,369.25 $410.78 $374,000.00 $1,371.50 $411.45 $375,000.00 $1,373.75 $412.13 $376,000.00 $1,376.00 $412.80 $377,000.00 $1,378.25 $413.48 $378,000.00 $1,380.50 $414.15 $379,000.00 $1,382.75 $414.83 $380,000.00 $1,385.00 $415.50 $381,000.00 $1,387.25 $416.18 $382,000.00 $1,389.50 $416.85 $383,000.00 $1,391.75 $417.53 $384,000.00 $1,394.00 $418.20

$355,000.00 $1,328.75 $398.63 $356,000.00 $1,331.00 $399.30 $357,000.00 $1,333.25 $399.98 $358,000.00 $1,335.50 $400.65 $359,000.00 $1,337.75 $401.33 $360,000.00 $1,340.00 $402.00 $361,000.00 $1,342.25 $402.68 $362,000.00 $1,344.50 $403.35 $363,000.00 $1,346.75 $404.03 $364,000.00 $1,349.00 $404.70 $365,000.00 $1,351.25 $405.38 $366,000.00 $1,353.50 $406.05 $367,000.00 $1,355.75 $406.73 $368,000.00 $1,358.00 $407.40 $369,000.00 $1,360.25 $408.08

$460,000.00 $1,565.00 $469.50 $461,000.00 $1,567.25 $470.18 $462,000.00 $1,569.50 $470.85 $463,000.00 $1,571.75 $471.53 $464,000.00 $1,574.00 $472.20 $465,000.00 $1,576.25 $472.88 $466,000.00 $1,578.50 $473.55 $467,000.00 $1,580.75 $474.23 $468,000.00 $1,583.00 $474.90 $469,000.00 $1,585.25 $475.58 $470,000.00 $1,587.50 $476.25 $471,000.00 $1,589.75 $476.93 $472,000.00 $1,592.00 $477.60 $473,000.00 $1,594.25 $478.28 $474,000.00 $1,596.50 $478.95

$700,000.00 $2,105.00 $631.50 $710,000.00 $2,127.50 $638.25 $720,000.00 $2,150.00 $645.00 $730,000.00 $2,172.50 $651.75 $740,000.00 $2,195.00 $658.50 $750,000.00 $2,217.50 $665.25 $760,000.00 $2,240.00 $672.00 $770,000.00 $2,262.50 $678.75 $780,000.00 $2,285.00 $685.50 $790,000.00 $2,307.50 $692.25 $800,000.00 $2,330.00 $699.00 $810,000.00 $2,352.50 $705.75 $820,000.00 $2,375.00 $712.50 $830,000.00 $2,397.50 $719.25 $840,000.00 $2,420.00 $726.00

$475,000.00 $1,598.75 $479.63 $476,000.00 $1,601.00 $480.30 $477,000.00 $1,603.25 $480.98 $478,000.00 $1,605.50 $481.65 $479,000.00 $1,607.75 $482.33 $480,000.00 $1,610.00 $483.00 $481,000.00 $1,612.25 $483.68 $482,000.00 $1,614.50 $484.35 $483,000.00 $1,616.75 $485.03 $484,000.00 $1,619.00 $485.70 $485,000.00 $1,621.25 $486.38 $486,000.00 $1,623.50 $487.05 $487,000.00 $1,625.75 $487.73 $488,000.00 $1,628.00 $488.40 $489,000.00 $1,630.25 $489.08

$850,000.00 $2,442.50 $732.75 $860,000.00 $2,465.00 $739.50 $870,000.00 $2,487.50 $746.25 $880,000.00 $2,510.00 $753.00 $890,000.00 $2,532.50 $759.75 $900,000.00 $2,555.00 $766.50 $910,000.00 $2,577.50 $773.25 $920,000.00 $2,600.00 $780.00 $930,000.00 $2,622.50 $786.75 $940,000.00 $2,645.00 $793.50 $950,000.00 $2,667.50 $800.25 $960,000.00 $2,690.00 $807.00 $970,000.00 $2,712.50 $813.75 $980,000.00 $2,735.00 $820.50 $990,000.00 $2,757.50 $827.25

$1,000,000.00 $2,780.00 $834.00

$445,000.00 $1,531.25 $459.38 $446,000.00 $1,533.50 $460.05 $447,000.00 $1,535.75 $460.73 $448,000.00 $1,538.00 $461.40 $449,000.00 $1,540.25 $462.08 $450,000.00 $1,542.50 $462.75 $451,000.00 $1,544.75 $463.43 $452,000.00 $1,547.00 $464.10 $453,000.00 $1,549.25 $464.78 $454,000.00 $1,551.50 $465.45 $455,000.00 $1,553.75 $466.13 $456,000.00 $1,556.00 $466.80 $457,000.00 $1,558.25 $467.48 $458,000.00 $1,560.50 $468.15 $459,000.00 $1,562.75 $468.83

$550,000.00 $1,767.50 $530.25 $560,000.00 $1,790.00 $537.00 $570,000.00 $1,812.50 $543.75 $580,000.00 $1,835.00 $550.50 $590,000.00 $1,857.50 $557.25 $600,000.00 $1,880.00 $564.00 $610,000.00 $1,902.50 $570.75 $620,000.00 $1,925.00 $577.50 $630,000.00 $1,947.50 $584.25 $640,000.00 $1,970.00 $591.00 $650,000.00 $1,992.50 $597.75 $660,000.00 $2,015.00 $604.50 $670,000.00 $2,037.50 $611.25 $680,000.00 $2,060.00 $618.00 $690,000.00 $2,082.50 $624.75

$430,000.00 $1,497.50 $449.25 $431,000.00 $1,499.75 $449.93 $432,000.00 $1,502.00 $450.60 $433,000.00 $1,504.25 $451.28 $434,000.00 $1,506.50 $451.95 $435,000.00 $1,508.75 $452.63 $436,000.00 $1,511.00 $453.30 $437,000.00 $1,513.25 $453.98 $438,000.00 $1,515.50 $454.65 $439,000.00 $1,517.75 $455.33 $440,000.00 $1,520.00 $456.00 $441,000.00 $1,522.25 $456.68 $442,000.00 $1,524.50 $457.35 $443,000.00 $1,526.75 $458.03 $444,000.00 $1,529.00 $458.70

$490,000.00 $1,632.50 $489.75 $491,000.00 $1,634.75 $490.43 $492,000.00 $1,637.00 $491.10 $493,000.00 $1,639.25 $491.78 $494,000.00 $1,641.50 $492.45 $495,000.00 $1,643.75 $493.13 $496,000.00 $1,646.00 $493.80 $497,000.00 $1,648.25 $494.48 $498,000.00 $1,650.50 $495.15 $499,000.00 $1,652.75 $495.83 $500,000.00 $1,655.00 $496.50 $510,000.00 $1,677.50 $503.25 $520,000.00 $1,700.00 $510.00 $530,000.00 $1,722.50 $516.75 $540,000.00 $1,745.00 $523.50

1,000,000 - 5,000,000 at $2.00 per $1,0005,000,001 - 10,000,000 at $1.20 per $1,00010,000,001 - 50,000,000 at $1.15 per $1,000

50,000,001 - 100,000,000 at $1.10 per $1,000

100,000,001+ at $1.05 per $1,000

This schedule provided for a single basic rate for standard coverage with additional charges for ALTA form policies. The ALTA lenders rate is an additional 30% of the general schedule. Rates for endorse-ments and special risks as filed with the Department of Insurance will be quoted upon request. Rate for all simultaneous issue policies is owner’s rate plus $75.00 and if an ALTA lender’s extended coverage is written, plus applicable ALTA lender’s.

Commonly Used Lender Endorsements

9-06 RESTRICTIONS, ENCROACHMENTS, MINERALS ($50.00)

22-06, 22.1-06CLTA 116

ADDRESS ENDORSEMENTS - ($25)

8.1-06 ENVIRONMENTAL PROTECTION LIEN - Residential, up to a 4-Plex - $25.00

4-06 (ALTA 4) CONDOMINIUM - $50.00

5-06 (ALTA 5) PLANNED UNIT DEVELOPMENT - $50.00

6.1 ADJUSTABLE RATE MORTGAGE (ARM) - $25.00

6.2-06 VARIABLE RATE - NEGATIVE AMORTIZATION - $25.00

102.4 FOUNDATION ENDORSEMENT - Residential: $25.00, Commercial : 5% of base rate, min. $50.00

102.5 FOUNDATION ENDORSEMENT NO ENCROACHMENT OF IMPPROVEMENTS ONTO EASEMENT; Residential: $25.00, Commercial: $50.00

104.3ASSIGNMENT OF MORTGAGE OR BENEFICIAL INTEREST - No charge if issued within one year of 120 days after Completion of construction, otherwise 25% of scheduled rate of balance due on loan ($40.00 min)

108.8 ADDITIONAL ADVANCES - Minimum $40.00 plus increased schedule charge and extended coverage charges.

11-06 MODIFICATION OF DEED OF TRUSTAND GUARANTEE OF PRIORITY - ALTA 10% of the scheduled rate based upon unpaid balance of the loan - $40.00 min.

ORT3007 REVOLVING CREDIT (DEED OF TRUST FORM RIDER MUST BE APPROVED BY UNDERWRITER) - $25.00


Rate Schedule of Title Insurance Rates (FATCO)- Underwritten by First American Title Insurance Company -

Effective June 1, 2009

$10,000 $220.00 $66.00$11,000 $227.00 $69.00$12,000 $234.00 $71.00$13,000 $240.00 $72.00$14,000 $247.00 $75.00$15,000 $253.00 $76.00$16,000 $260.00 $78.00$17,000 $267.00 $81.00$18,000 $273.00 $82.00$19,000 $280.00 $84.00$20,000 $286.00 $86.00$21,000 $293.00 $88.00$22,000 $300.00 $90.00$23,000 $306.00 $92.00$24,000 $313.00 $94.00

$25,000 $319.00 $96.00$26,000 $326.00 $98.00$27,000 $333.00 $100.00$28,000 $339.00 $102.00$29,000 $346.00 $104.00$30,000 $352.00 $106.00$31,000 $359.00 $108.00$32,000 $365.00 $110.00$33,000 $371.00 $112.00$34,000 $377.00 $114.00$35,000 $383.00 $115.00$36,000 $389.00 $117.00$37,000 $395.00 $119.00$38,000 $401.00 $121.00$39,000 $407.00 $123.00

$40,000 $413.00 $124.00$41,000 $419.00 $126.00$42,000 $425.00 $128.00$43,000 $431.00 $130.00$44,000 $437.00 $132.00$45,000 $443.00 $133.00$46,000 $449.00 $135.00$47,000 $455.00 $137.00$48,000 $461.00 $139.00$49,000 $467.00 $141.00$50,000 $473.00 $142.00$51,000 $477.00 $144.00$52,000 $481.00 $145.00$53,000 $485.00 $146.00$54,000 $489.00 $147.00

$55,000 $493.00 $148.00$56,000 $497.00 $150.00$57,000 $500.00 $150.00$58,000 $504.00 $152.00$59,000 $508.00 $153.00$60,000 $512.00 $154.00$61,000 $516.00 $155.00$62,000 $520.00 $156.00$63,000 $524.00 $158.00$64,000 $527.00 $159.00$65,000 $531.00 $160.00$66,000 $535.00 $161.00$67,000 $539.00 $162.00$68,000 $543.00 $163.00$69,000 $547.00 $165.00

$70,000 $550.00 $165.00$71,000 $554.00 $167.00$72,000 $558.00 $168.00$73,000 $562.00 $169.00$74,000 $566.00 $170.00$75,000 $570.00 $171.00$76,000 $574.00 $173.00$77,000 $577.00 $174.00$78,000 $581.00 $175.00$79,000 $585.00 $176.00$80,000 $589.00 $177.00$81,000 $593.00 $178.00$82,000 $597.00 $180.00$83,000 $601.00 $181.00$84,000 $604.00 $182.00

Insuranceto and

including

Insuranceto and

including

Insuranceto and

including

Insuranceto and


ALTALenders

Extended

ALTALenders

Extended

ALTALenders

Extended

ALTALenders

Extended

$85,000 $608.00 $183.00$86,000 $612.00 $184.00$87,000 $616.00 $185.00$88,000 $620.00 $186.00$89,000 $624.00 $188.00$90,000 $627.00 $189.00$91,000 $631.00 $190.00$92,000 $635.00 $191.00$93,000 $639.00 $192.00$94,000 $643.00 $193.00$95,000 $647.00 $195.00$96,000 $651.00 $196.00$97,000 $654.00 $197.00$98,000 $658.00 $198.00$99,000 $662.00 $199.00

$100,000 $666.00 $200.00$101,000 $669.00 $201.00$102,000 $673.00 $202.00$103,000 $676.00 $203.00$104,000 $679.00 $204.00$105,000 $682.00 $205.00$106,000 $686.00 $206.00$107,000 $689.00 $207.00$108,000 $692.00 $208.00$109,000 $696.00 $209.00$110,000 $699.00 $210.00$111,000 $702.00 $211.00$112,000 $706.00 $212.00$113,000 $709.00 $213.00$114,000 $712.00 $214.00

$115,000 $715.00 $215.00$116,000 $719.00 $216.00$117,000 $722.00 $217.00$118,000 $725.00 $218.00$119,000 $729.00 $219.00$120,000 $732.00 $220.00$121,000 $735.00 $221.00$122,000 $739.00 $222.00$123,000 $742.00 $223.00$124,000 $745.00 $224.00$125,000 $748.00 $225.00$126,000 $752.00 $226.00$127,000 $755.00 $227.00$128,000 $758.00 $228.00$129,000 $762.00 $229.00

$130,000 $765.00 $230.00$131,000 $768.00 $231.00$132,000 $772.00 $232.00$133,000 $775.00 $233.00$134,000 $778.00 $234.00$135,000 $781.00 $235.00$136,000 $785.00 $236.00$137,000 $788.00 $237.00$138,000 $791.00 $238.00$139,000 $795.00 $239.00$140,000 $798.00 $240.00$141,000 $801.00 $241.00$142,000 $805.00 $242.00$143,000 $808.00 $243.00$144,000 $811.00 $244.00

$145,000 $814.00 $245.00$146,000 $818.00 $246.00$147,000 $821.00 $247.00$148,000 $824.00 $248.00$149,000 $828.00 $249.00$150,000 $831.00 $250.00$151,000 $834.00 $251.00$152,000 $838.00 $252.00$153,000 $841.00 $253.00$154,000 $844.00 $254.00$155,000 $847.00 $255.00$156,000 $851.00 $256.00$157,000 $854.00 $257.00$158,000 $857.00 $258.00$159,000 $861.00 $259.00

$160,000 $864.00 $260.00$161,000 $867.00 $261.00$162,000 $871.00 $262.00$163,000 $874.00 $263.00$164,000 $877.00 $264.00$165,000 $880.00 $264.00$166,000 $884.00 $266.00$167,000 $887.00 $267.00$168,000 $890.00 $267.00$169,000 $894.00 $269.00$170,000 $897.00 $270.00$171,000 $900.00 $270.00$172,000 $904.00 $272.00$173,000 $907.00 $273.00$174,000 $910.00 $273.00

$175,000 $913.00 $274.00$176,000 $917.00 $276.00$177,000 $920.00 $276.00$178,000 $923.00 $277.00$179,000 $927.00 $279.00$180,000 $930.00 $279.00$181,000 $933.00 $280.00$182,000 $937.00 $282.00$183,000 $940.00 $282.00$184,000 $943.00 $283.00$185,000 $946.00 $284.00$186,000 $950.00 $285.00$187,000 $953.00 $286.00$188,000 $956.00 $287.00$189,000 $960.00 $288.00

$190,000 $963.00 $289.00$191,000 $966.00 $290.00$192,000 $970.00 $291.00$193,000 $973.00 $292.00$194,000 $976.00 $293.00$195,000 $979.00 $294.00$196,000 $983.00 $295.00$197,000 $986.00 $296.00$198,000 $989.00 $297.00$199,000 $993.00 $298.00$200,000 $996.00 $299.00$201,000 $999.00 $300.00$202,000 $1,003.00 $301.00$203,000 $1,006.00 $302.00$204,000 $1,009.00 $303.00

$205,000 $1,012.00 $304.00$206,000 $1,016.00 $305.00$207,000 $1,019.00 $306.00$208,000 $1,022.00 $307.00$209,000 $1,026.00 $308.00$210,000 $1,029.00 $309.00$211,000 $1,032.00 $310.00$212,000 $1,036.00 $311.00$213,000 $1,039.00 $312.00$214,000 $1,042.00 $313.00$215,000 $1,045.00 $314.00$216,000 $1,049.00 $315.00$217,000 $1,052.00 $316.00$218,000 $1,055.00 $317.00$219,000 $1,059.00 $318.00

$220,000 $1,062.00 $319.00$221,000 $1,065.00 $320.00$222,000 $1,069.00 $321.00$223,000 $1,072.00 $322.00$224,000 $1,075.00 $323.00$225,000 $1,078.00 $324.00$226,000 $1,082.00 $325.00$227,000 $1,085.00 $326.00$228,000 $1,088.00 $327.00$229,000 $1,092.00 $328.00$230,000 $1,095.00 $329.00$231,000 $1,098.00 $330.00$232,000 $1,102.00 $331.00$233,000 $1,105.00 $332.00$234,000 $1,108.00 $333.00

$235,000 $1,111.00 $334.00$236,000 $1,115.00 $335.00$237,000 $1,118.00 $336.00$238,000 $1,121.00 $337.00$239,000 $1,125.00 $338.00$240,000 $1,128.00 $339.00$241,000 $1,131.00 $340.00$242,000 $1,135.00 $341.00$243,000 $1,138.00 $342.00$244,000 $1,141.00 $343.00$245,000 $1,144.00 $344.00$246,000 $1,148.00 $345.00$247,000 $1,151.00 $346.00$248,000 $1,154.00 $347.00$249,000 $1,158.00 $348.00

$250,000 $1,161.00 $349.00$251,000 $1,164.00 $350.00$252,000 $1,168.00 $351.00$253,000 $1,171.00 $352.00$254,000 $1,174.00 $353.00$255,000 $1,177.00 $354.00$256,000 $1,181.00 $355.00$257,000 $1,184.00 $356.00$258,000 $1,187.00 $357.00$259,000 $1,191.00 $358.00$260,000 $1,194.00 $359.00$261,000 $1,197.00 $360.00$262,000 $1,201.00 $361.00$263,000 $1,204.00 $362.00$264,000 $1,207.00 $363.00

$265,000 $1,210.00 $363.00$266,000 $1,214.00 $365.00$267,000 $1,217.00 $366.00$268,000 $1,220.00 $366.00$269,000 $1,224.00 $368.00$270,000 $1,227.00 $369.00$271,000 $1,230.00 $369.00$272,000 $1,234.00 $371.00$273,000 $1,237.00 $372.00$274,000 $1,240.00 $372.00$275,000 $1,243.00 $373.00$276,000 $1,247.00 $375.00$277,000 $1,250.00 $375.00$278,000 $1,253.00 $376.00$279,000 $1,257.00 $378.00

$280,000 $1,260.00 $378.00$281,000 $1,263.00 $379.00$282,000 $1,267.00 $381.00$283,000 $1,270.00 $381.00$284,000 $1,273.00 $382.00$285,000 $1,276.00 $383.00$286,000 $1,280.00 $384.00$287,000 $1,283.00 $385.00$288,000 $1,286.00 $386.00$289,000 $1,290.00 $387.00$290,000 $1,293.00 $388.00$291,000 $1,296.00 $389.00$292,000 $1,300.00 $390.00$293,000 $1,303.00 $391.00$294,000 $1,306.00 $392.00

$295,000 $1,309.00 $393.00$296,000 $1,313.00 $394.00$297,000 $1,316.00 $395.00$298,000 $1,319.00 $396.00$299,000 $1,323.00 $397.00$300,000 $1,326.00 $398.00$301,000 $1,328.00 $399.00$302,000 $1,331.00 $400.00$303,000 $1,333.00 $400.00$304,000 $1,336.00 $401.00$305,000 $1,338.00 $402.00$306,000 $1,341.00 $403.00$307,000 $1,343.00 $403.00$308,000 $1,346.00 $404.00$309,000 $1,348.00 $405.00


Insuranceto and

including

Insuranceto and

including

Insuranceto and

including

Insuranceto and


ALTALenders

Extended

ALTALenders

Extended

ALTALenders

Extended

ALTALenders

Extended

$310,000 $1,351.00 $406.00$311,000 $1,353.00 $406.00$312,000 $1,356.00 $407.00$313,000 $1,358.00 $408.00$314,000 $1,361.00 $409.00$315,000 $1,363.00 $409.00$316,000 $1,366.00 $410.00$317,000 $1,368.00 $411.00$318,000 $1,370.00 $411.00$319,000 $1,373.00 $412.00$320,000 $1,375.00 $413.00$321,000 $1,378.00 $414.00$322,000 $1,380.00 $414.00$323,000 $1,383.00 $415.00$324,000 $1,385.00 $416.00

$325,000 $1,388.00 $417.00$326,000 $1,390.00 $417.00$327,000 $1,393.00 $418.00$328,000 $1,395.00 $419.00$329,000 $1,398.00 $420.00$330,000 $1,400.00 $420.00$331,000 $1,403.00 $421.00$332,000 $1,405.00 $422.00$333,000 $1,408.00 $423.00$334,000 $1,410.00 $423.00$335,000 $1,412.00 $424.00$336,000 $1,415.00 $425.00$337,000 $1,417.00 $426.00$338,000 $1,420.00 $426.00$339,000 $1,422.00 $427.00

$340,000 $1,425.00 $428.00$341,000 $1,427.00 $429.00$342,000 $1,430.00 $429.00$343,000 $1,432.00 $430.00$344,000 $1,435.00 $431.00$345,000 $1,437.00 $432.00$346,000 $1,440.00 $432.00$347,000 $1,442.00 $433.00$348,000 $1,445.00 $434.00$349,000 $1,447.00 $435.00$350,000 $1,449.00 $435.00$351,000 $1,452.00 $436.00$352,000 $1,454.00 $437.00$353,000 $1,457.00 $438.00$354,000 $1,459.00 $438.00

$355,000 $1,462.00 $439.00$356,000 $1,464.00 $440.00$357,000 $1,467.00 $441.00$358,000 $1,469.00 $441.00$359,000 $1,472.00 $442.00$360,000 $1,474.00 $443.00$361,000 $1,477.00 $444.00$362,000 $1,479.00 $444.00$363,000 $1,482.00 $445.00$364,000 $1,484.00 $446.00$365,000 $1,487.00 $447.00$366,000 $1,489.00 $447.00$367,000 $1,491.00 $448.00$368,000 $1,494.00 $449.00$369,000 $1,496.00 $449.00

$370,000 $1,499.00 $450.00$371,000 $1,501.00 $451.00$372,000 $1,504.00 $452.00$373,000 $1,506.00 $452.00$374,000 $1,509.00 $453.00$375,000 $1,511.00 $454.00$376,000 $1,514.00 $455.00$377,000 $1,516.00 $455.00$378,000 $1,519.00 $456.00$379,000 $1,521.00 $457.00$380,000 $1,524.00 $458.00$381,000 $1,526.00 $458.00$382,000 $1,529.00 $459.00$383,000 $1,531.00 $460.00$384,000 $1,533.00 $460.00

$385,000 $1,536.00 $461.00$386,000 $1,538.00 $462.00$387,000 $1,541.00 $463.00$388,000 $1,543.00 $463.00$389,000 $1,546.00 $464.00$390,000 $1,548.00 $465.00$391,000 $1,551.00 $466.00$392,000 $1,553.00 $466.00$393,000 $1,556.00 $467.00$394,000 $1,558.00 $468.00$395,000 $1,561.00 $469.00$396,000 $1,563.00 $469.00$397,000 $1,566.00 $470.00$398,000 $1,568.00 $471.00$399,000 $1,571.00 $472.00

$400,000 $1,573.00 $472.00$401,000 $1,575.00 $473.00$402,000 $1,578.00 $474.00$403,000 $1,580.00 $474.00$404,000 $1,583.00 $475.00$405,000 $1,585.00 $476.00$406,000 $1,588.00 $477.00$407,000 $1,590.00 $477.00$408,000 $1,593.00 $478.00$409,000 $1,595.00 $479.00$410,000 $1,598.00 $480.00$411,000 $1,600.00 $480.00$412,000 $1,603.00 $481.00$413,000 $1,605.00 $482.00$414,000 $1,608.00 $483.00

$415,000 $1,610.00 $483.00$416,000 $1,613.00 $484.00$417,000 $1,615.00 $485.00$418,000 $1,617.00 $486.00$419,000 $1,620.00 $486.00$420,000 $1,622.00 $487.00$421,000 $1,625.00 $488.00$422,000 $1,627.00 $489.00$423,000 $1,630.00 $489.00$424,000 $1,632.00 $490.00$425,000 $1,635.00 $491.00$426,000 $1,637.00 $492.00$427,000 $1,640.00 $492.00$428,000 $1,642.00 $493.00$429,000 $1,645.00 $494.00

$430,000 $1,647.00 $495.00$431,000 $1,650.00 $495.00$432,000 $1,652.00 $496.00$433,000 $1,655.00 $497.00$434,000 $1,657.00 $498.00$435,000 $1,659.00 $498.00$436,000 $1,662.00 $499.00$437,000 $1,664.00 $500.00$438,000 $1,667.00 $501.00$439,000 $1,669.00 $501.00$440,000 $1,672.00 $502.00$441,000 $1,674.00 $503.00$442,000 $1,677.00 $504.00$443,000 $1,679.00 $504.00$444,000 $1,682.00 $505.00

$445,000 $1,684.00 $506.00$446,000 $1,687.00 $507.00$447,000 $1,689.00 $507.00$448,000 $1,692.00 $508.00$449,000 $1,694.00 $509.00$450,000 $1,696.00 $509.00$451,000 $1,699.00 $510.00$452,000 $1,701.00 $511.00$453,000 $1,704.00 $512.00$454,000 $1,706.00 $512.00$455,000 $1,709.00 $513.00$456,000 $1,711.00 $514.00$457,000 $1,714.00 $515.00$458,000 $1,716.00 $515.00$459,000 $1,719.00 $516.00

$460,000 $1,721.00 $517.00$461,000 $1,724.00 $518.00$462,000 $1,726.00 $518.00$463,000 $1,729.00 $519.00$464,000 $1,731.00 $520.00$465,000 $1,734.00 $521.00$466,000 $1,736.00 $521.00$467,000 $1,738.00 $522.00$468,000 $1,741.00 $523.00$469,000 $1,743.00 $523.00$470,000 $1,746.00 $524.00$471,000 $1,748.00 $525.00$472,000 $1,751.00 $526.00$473,000 $1,753.00 $526.00$474,000 $1,756.00 $527.00

$475,000 $1,758.00 $528.00$476,000 $1,761.00 $529.00$477,000 $1,763.00 $529.00$478,000 $1,766.00 $530.00$479,000 $1,768.00 $531.00$480,000 $1,771.00 $532.00$481,000 $1,773.00 $532.00$482,000 $1,776.00 $533.00$483,000 $1,778.00 $534.00$484,000 $1,780.00 $534.00$485,000 $1,783.00 $535.00$486,000 $1,785.00 $536.00$487,000 $1,788.00 $537.00$488,000 $1,790.00 $537.00$489,000 $1,793.00 $538.00

$490,000 $1,795.00 $539.00$491,000 $1,798.00 $540.00$492,000 $1,800.00 $540.00$493,000 $1,803.00 $541.00$494,000 $1,805.00 $542.00$495,000 $1,808.00 $543.00$496,000 $1,810.00 $543.00$497,000 $1,813.00 $544.00$498,000 $1,815.00 $545.00$499,000 $1,818.00 $546.00$500,000 $1,820.00 $546.00$510,000 $1,845.00 $554.00$520,000 $1,869.00 $561.00$530,000 $1,894.00 $569.00$540,000 $1,919.00 $576.00

$550,000 $1,943.00 $583.00$560,000 $1,968.00 $591.00$570,000 $1,993.00 $598.00$580,000 $2,018.00 $606.00$590,000 $2,042.00 $613.00$600,000 $2,067.00 $621.00$610,000 $2,092.00 $628.00$620,000 $2,116.00 $635.00$630,000 $2,141.00 $643.00$640,000 $2,166.00 $650.00$650,000 $2,190.00 $657.00$660,000 $2,215.00 $665.00$670,000 $2,240.00 $672.00$680,000 $2,265.00 $680.00$690,000 $2,289.00 $687.00

$700,000 $2,314.00 $695.00$710,000 $2,339.00 $702.00$720,000 $2,363.00 $709.00$730,000 $2,388.00 $717.00$740,000 $2,413.00 $724.00$750,000 $2,437.00 $732.00$760,000 $2,462.00 $739.00$770,000 $2,487.00 $747.00$780,000 $2,512.00 $754.00$790,000 $2,536.00 $761.00$800,000 $2,561.00 $769.00$810,000 $2,586.00 $776.00$820,000 $2,610.00 $783.00$830,000 $2,635.00 $791.00$840,000 $2,660.00 $798.00

$850,000 $2,684.00 $806.00$860,000 $2,709.00 $813.00$870,000 $2,734.00 $821.00$880,000 $2,759.00 $828.00$890,000 $2,783.00 $835.00$900,000 $2,808.00 $843.00$910,000 $2,833.00 $850.00$920,000 $2,857.00 $858.00$930,000 $2,882.00 $865.00$940,000 $2,907.00 $873.00$950,000 $2,931.00 $880.00$960,000 $2,956.00 $887.00$970,000 $2,981.00 $895.00$980,000 $3,006.00 $902.00$990,000 $3,030.00 $909.00

$1,000,000 $3,055.00 $917.00

1,000,000 - 5,000,000 at $2.00 per $1,0005,000,001 - 10,000,000 at $1.20 per $1,00010,000,001 - 50,000,000 at $1.15 per $1,000

50,000,001 - 100,000,000 at $1.10 per $1,000100,000,001+ at $1.05 per $1,000

This schedule provided for a single basic rate for standard coverage with ad-ditional charges for ALTA form policies. The ALTA lenders rate is an additional 30% of the general schedule. Rates for endorsements and special risks as filed with the Department of Insurance will be quoted upon request. Rate for all simultaneous issue policies is owner’s rate plus $75.00 and if an ALTA lender’s extended coverage is written, plus applicable ALTA lender’s.

Commonly Used Lender Endorsements

9-06 RESTRICTIONS, ENCROACHMENTS, MINERALS ($40.00)

22-06 ADDRESS ENDORSEMENTS - ($25)

8.1-06 ENVIRONMENTAL PROTECTION LIEN - Residential, up to a 4-Plex - $25.00

4-06 (ALTA 4) CONDOMINIUM - $50.00

5-06 (ALTA 5) PLANNED UNIT DEVELOPMENT - $50.00

6.1 ADJUSTABLE RATE MORTGAGE (ARM) - $25.00

6.2-06 VARIABLE RATE - NEGATIVE AMORTIZATION - $25.00

102.4 FOUNDATION ENDORSEMENT - Residential: $40.00, Commercial : 5% of base rate, min. $100.00

102.5 FOUNDATION ENDORSEMENT NO ENCROACHMENT OF IMPPROVEMENTS ONTO EASEMENT; Residential: $40.00, Commercial: 9% of base rate, min. $50.00

104.3ASSIGNMENT OF MORTGAGE OR BENEFICIAL INTEREST - No charge if issued within one year of 120 days after Completion of construction, otherwise 25% of scheduled rate of balance due on loan ($40.00 min)

108.8 ADDITIONAL ADVANCES - Minimum $40.00 plus increased schedule charge and extended coverage charges.

11-06 MODIFICATION OF DEED OF TRUSTAND GUARANTEE OF PRIORITY - ALTA 10% of the scheduled rate based upon unpaid balance of the loan - $40.00 min.

FA23 REVOLVING CREDIT (DEED OF TRUST FORM RIDER MUST BE APPROVED BY UNDERWRITER) - $25.00


EMERGENCY 911

POLICE DEPARTMENTS: NON-EMERGENCYBoise 377-6790Caldwell 454-7531Eagle 938-2260Emmett 365-6055Garden City472-2950Kuna 377-6790Meridian 888-6678Middleton 455-3112Nampa 465-2257Star 922-5743FIRE DEPARTMENTS:Boise 377-7351Caldwell 455-3032Eagle 939-6463Emmett 365-3521Kuna 922-1144Meridian 888-1234Middleton 585-6650Nampa 468-5770Star 286-7772HOSPITALS (ADA):St. Alphonsus 367-2121St. Alphonsus-Eagle 375-5300St. Lukes 381-2222St. Lukes-Meridian 706-5000HOSPITALS (CANYON):Mercy Medical Center 463-5000West Valley Medical Center 375-5300EDUCATION / SCHOOL DISTRICTS:Boise School Administration 338-3400Caldwell School Administration 455-4000Eagle/Meridian School Administration 855-4500Emmett School Administration 365-6301Kuna School Administration 922-1000Middleton School Administration 585-3511Nampa School Administration 466-0370Star School Administration 855-4110CITIES:Boise City 384-3700Caldwell City 455-3011Eagle City 939-6813Emmett City 365-6050Garden City 472-2900Kuna City 922-5546Meridian City 888-4433Middleton City 585-3133Nampa City 468-6000Star City 286-7247

PUBLIC SERVICES (ADA): Commissioners 287-7000Clerk 287-6900Recorders Office 287-6840Driver’s license/DMV 577-3135Automobile Registration 334-8000PUBLIC SERVICES (CANYON): Commissioners 454-7507Clerk 800-356-9868Recorder’s Office 454-7556Driver’s license/DMV 454-7847Auto Registration 455-6020HIGHWAY DISTRICT:Administration 387-6100Car Pool-Van Pool Services 345-7665PROPERTY TAXES:Ada County Assessor 287-7200Ada County Treasurer 287-6800Canyon County Assessor 454-7431Canyon County Treasurer 454-7454IDAHO POWER COMPANY:Billing/New Service 388-2323Emergencies 388-2050INTERMOUNTAIN GAS COMPANY:Start/Stop and Service 377-6840Emergencies 377-6800WATER COMPANIES:United Water Idaho 362-1300Caldwell 455-3300Eagle Water Company 939-0242Emmett 365-6050Garden City 472-2930Kuna City 922-5546Meridian City 888-4439Middleton 585-3511 Nampa 468-5711Star 286-7388IRRIGATION DISTRICTS:Boise-Kuna 922-5608Nampa-Meridian 466-7861New York 378-1023Settler’s 344-2471Caldwell Municipal Irrigation 455-3070Caldwell Irrigation Lateral District 454-3477Pioneer Irrigation District 459-3617Canyon Hill Irrigation 442-6988Golden Gate Irrigation 459-3696SEPTIC SYSTEM & WELL INSPECTION:Central District Health Department 327-8522

SEWER DISTRICTS:Bench Sewer 345-5363Boise City 384-3735Northwest Boise Sewer 344-5991Eagle Sewer 939-0132City of Meridian 888-4433Star Sewer 286-7388West Boise Sewer 375-8521Owyhee Sewer 362-1949Middleton (Public Works) 585-6611Caldwell 455-3041Nampa 468-5420Emmett 365-9569GARBAGE COLLECTION:Boise City 384-3735Allied Waste 345-1265Garden City 472-2930Kuna (J&M Sanitation) 922-5546Meridian (Sanitation Service) 888-4439Ada County 287-6800BFI 345-1265TELEPHONE:CenturyLink 800-475-7526Customer Service 800-491-0118Residential Repair Bureau 877-348-9007TELEVISION/CABLE:Cable One 888-204-9383Direct TV 888-777-2454Dish Network 800-381-4498NEWSPAPERS:Boise Weekly 345-7711Idaho Business Review 336-3768Idaho Press Tribune 467-9251The Idaho Statesman 377-6200REAL ESTATE ORGANIZATIONS:Ada County Association of REALTORS® 376-0363Nampa Association of REALTORS® 467-9534Caldwell Board of REALTORS® 459-3301Building Contractors Association 377-3550Idaho Real Estate Commission 334-3285Idaho Real Estate School 377-4300OTHER NUMBERS:Vital Records (Birth, Death, Marriage) 334-5988Idaho Department of Water Resources 287-4800Central District Health Department 375-5211Child Support Services (all counties) 800-356-9868Ada County Housing Authority 345-4907Flood Plain Information 388-4729Voter Registration 334-2300

Quick Reference Telephone Guide - Treasure Valley


Moving Preparation Tips

⌂ Establish tentative dates for your move. ⌂ Keep records of all moving expenses – they may be tax-

deductable. ⌂ Book the services you will need:

¡ Professional Movers – Note: It is responsibility to see that all of your goods are loaded. Remain on the premises until loading is complete.

¡ Cleaning Services (i.e. carpet, windows, chimney) ¡ Sitter for kids and pets on moving day

⌂ When changing schools: ¡ Notify current school of your move date ¡ Check with new school for schedules and enrollment

requirements ⌂ Purchase packing supplies:

¡ Boxes ¡ Tape ¡ Packing Paper ¡ Bubble Wrap ¡ Box Cutter ¡ Moving Pads/Blankets ¡ Rope ¡ Dolly/Handtruck ¡ Felt Tip Markers ¡ Labels for Boxes

⌂ Remove unnecessary items from attic, basement, storage, shed, etc.

⌂ Have a garage sale or donate unwanted items. ⌂ Clean out and dispose of:

¡ Hazardous goods (paint, aerosols, old batteries, etc). ¡ Flammables and pesticides.

⌂ Pack items not used daily. ⌂ Empty refrigerator and freezer. ⌂ Gather and store important documents in a safe place

(medical records, financial documents, birth certificates, passports, etc).

⌂ Set aside moving day items (basic tool kit, paper towels, large trash bags, soap, flashlights, etc).

⌂ Check on/buy smoke alarms.

Personal Checklist:

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⌂ Establish tentative dates for your move. ⌂ Notify friends and family. ⌂ Utilities

¡ Electric ¡ Gas ¡ Water/Sewer ¡ Trash ¡ Fuel (Oil/Propane) ¡ Telephone ¡ Internet ¡ Cable/Satellite

⌂ Government Offices ¡ US Postal Service - usps.com ¡ Dept. of Motor Vehicles - dmv.org ¡ Social Security Administration - ssa.gov ¡ State/Federal Tax Bureaus - irs.gov (FORM 8822) ¡ City/County Tax Assessor (see Page 14) ¡ Veterans Administration - va.gov ¡ Voter Registration

⌂ Professional Services ¡ Doctor ¡ Dentist ¡ Accountant ¡ Lawyer ¡ Broker ¡ Insurance Agencies

⌂ Publications ¡ Newspapers ¡ Magazines ¡ Newsletters ¡ Professional Journals / Subscriptions

⌂ Personal Accounts ¡ Pharmacy ¡ Dry Cleaner ¡ Lawn Service ¡ Banks / Finance Companies ¡ Credit Card Companies ¡ Laundry Service ¡ Auto Finance Companies ¡ Health Clubs

Personal Checklist:

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Changing Your Address...


Prospective Home Worksheet

Address

MLS#

On the market since

Annual Taxes $

Homeowners Assoc. Fees $

Notes:

Location

Curb Appeal

Neighborhood

Floor Plan

Condition

Finish Work

Landscaping

Kitchen

Storage Space

Bedrooms

Stories

Year Built

Bathrooms

Car Garage

Sq. Ft. Lot



Address

MLS#

On the market since

Annual Taxes $


Notes:

Location

Curb Appeal

Neighborhood

Floor Plan

Condition

Finish Work

Landscaping

Kitchen

Storage Space

Bedrooms

Stories

Year Built

Bathrooms

Car Garage

Sq. Ft. Lot


Notes


Boise, Corporate Headquarters

Nampa, Downtown

Locations

Mike Ranieri, Senior VP& County Manager8151 West Rifleman StreetBoise, ID 83704Tel. (208) 377-2700Fax (208) 373-3610Serving Ada, Boise, Blaine & Twin Falls Counties

Mike Goddard, Senior VP& County Manager100 10th Avenue SouthNampa, ID 83651Tel. (208) 466-6100Fax (208) 465-3248Serving Canyon, Owyhee, Blaine & Twin Falls Counties

Boise, Downtown

Nampa, The Idaho Center

Janet Blosch, Manager1414 W. Bannock StreetBoise, ID 83702Tel. (208) 373-3744Fax (208) 384-9936Serving Ada, Boise, Blaine & Twin Falls Counties

Mike Goddard, Senior VP& County Manager5680 E. Franklin Rd., Suite 150Nampa, ID 83687Tel. (208) 465-6655Fax (208) 465-6556Serving Canyon, Owyhee, Blaine & Twin Falls Counties

Eagle, ID

Caldwell, ID

Ted Kirkhart, Manager775 S. Rivershore Ln., Suite 120Eagle, ID 83616Tel. (208) 938-8075Fax (208) 938-8073Serving Ada, Boise, Blaine & Twin Falls Counties

Mike Goddard, Senior VP& County Manager610 S. Kimball Ave.Caldwell, ID Tel. (208) 938-8075Fax (208) 938-8073Serving Canyon, Owyhee, Blaine & Twin Falls Counties

Meridian, ID

Emmett, ID

Alana Pierce, Manager1872 South Eagle RoadMeridian, ID 83642Tel. (208) 888-7230Fax (208) 888-7260Serving Ada, Boise, Blaine & Twin Falls Counties

Mike Goddard, Senior VP& County Manager1500 S. Washington Ave., Suite B Emmett, ID 83617Tel. (208) 365-5343Fax (208) 365-3650Serving Gem County


Fruitland, ID

Davenport, WA

Mike Goddard, Senior VP& County Manager139 N. Whitley DriveFruitland, ID 83619Tel. (208) 452-7500Fax (208) 361-5597 Serving Payette County

Ketchum, ID

Yvonne Reppe,VP & County Manager403 Logan Street / PO BOX 309Davenport, WA 99122Tel. (509) 725-3161Fax (509) 725-0680Serving Lincoln County

Melody Mattson,VP & County Manager491 N. Main Street, Suite 102Ketchum, ID 83340Tel. (208) 726-6954Fax (208) 726-6991Serving Blaine County

Coeur d’Alene, ID

Pullman, WA

Heather Wichman, VP & County Manager100 E. Wallace Ave.Coeur d’Alene, ID 83814Tel. (208) 664-8254Fax (208) 664-9479Serving Kootenai County

Kathryn ‘Kitty’ Goodwin,VP & County Manager840 SE Bishop Blvd., Suite 102Pullman, WA 99163Tel. (509) 334-2210Fax (509) 332-2086Serving Whitman County

Pocatello, ID

Arlene Evans, VP & County Manager135 N. Arthur Ave.Pocatello, ID 83204Tel. (208) 233-9595Fax (208) 234-0621Serving Bannock & Power Counties

Idaho Falls, ID

Wendy Nelson, Manager1655 Elk Creek Dr.Idaho Falls, IDTel. (208) 542-0040Fax (208) 542-0080Serving Bonneville County


Treasure Valley Client Book - Updated July 2014. © 2005 - 2014, Pioneer Holding Inc. Founded in 1949, Pioneer Title Company is an employee-based company centered around a ‘Going Beyond’ culture which fosters the principles of family,

respect, and openness. Pioneer offers title and escrow products, long-term escrows, contract purchasing, foreclosure services, and 1031 tax-deferred exchanges throughout Idaho and Eastern Washington. Pioneer Title Company was the

first to offer online property profiling tools, establish a vendor management platform, and creative services that focus on marketing needs of the real estate community. Pioneer Title employs over 200 people and is a privately held company

headquartered in Boise, Idaho. You should consider retaining the services of a real estate agent to help you facilitate the purchase or sale of real property. A real estate professional is skilled in assessing what suits your situation. Title

insurance also comes to play; Pioneer Title Company insures your real estate investment and makes sure that your property is transferred properly. Using a real estate agent and Pioneer Title Company is the best way help reassure your

ownership. Finally, you should always consult independent legal consel regarding any questions you may have as to the force and effect of the electronic documents contained herein.