Sonic Title

Affidavits in Title: Understanding Their Role in Real Estate Transactions

Affidavits in Title: Understanding Their Role in Real Estate Transactions

An affidavit in the title is a crucial legal document in real estate transactions. Understanding its purpose and significance is key to navigating these transactions effectively, as it affirms important facts about a property’s ownership and history.

In real estate, an affidavit in title is a sworn statement made by the seller, buyer, or another party involved in the transaction. It provides assurances regarding various aspects of the property, such as its ownership history, any liens or encumbrances, and other relevant information that may affect the title.

The affidavit of title, a common type of affidavit in title, is a document the seller typically provides to the buyer during the closing process. It plays a pivotal role in ensuring a smooth transfer of ownership, as it attests to the seller’s property ownership and certifies no undisclosed claims or defects in the title. This document is an essential part of the closing documentation, providing reassurance to the buyer and protecting the seller’s interests.

The affidavit of heirship, another type of affidavit commonly used in real estate transactions, is a document used when a property owner passes away without a will. It is instrumental in establishing the rightful heirs who are entitled to inherit the property. This document identifies the deceased owner’s heirs and their relationship to the deceased, providing crucial clarity on the ownership of the property.

Additionally, affidavits may address specific issues or concerns related to the property, such as outstanding liens, boundary disputes, or easements. These affidavits serve as sworn statements from the parties involved, affirming the accuracy of the information provided and addressing any potential issues that may arise during the transaction.

In summary, affidavits in title play a crucial role in real estate transactions by providing robust assurances regarding the ownership and history of a property. These legal documents act as a shield, protecting the interests of buyers and sellers and facilitating the transfer of ownership with transparency and confidence. Understanding the purpose and significance of affidavits in title is not just important, it’s a necessity for navigating the complexities of real estate transactions successfully.

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DJ Peterson

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Affiliated Business Arrangement Disclosure Statement
This is to give you notice that Sonic Loans Inc., Sonic Title Agency LLC, and Sonic Realty LLC have a business relationship. The nature of the relationship between the Referring Party and the provider(s), including percentage of ownership interest, if applicable, is: Sonic Loans Inc., Sonic Title Agency LLC, and Sonic Realty LLC are all 100% owned by the same party. Because of this relationship, this referral may provide any of the above parties with financial or other benefit.
A. Set forth below is the estimated charge or range of charges for the settlement services listed. You are NOT required to use the listed provider(s) as a condition for settlement of your loan on, or purchase, sale, or refinance of, the subject property.
THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.
Provider and Settlement Service Charge or Range of Charges
Sonic Realty LLC 1%-6% of purchase price
Sonic Title Agency, LLC Title Insurance Policy: $950 - $1706 on a $250,000 property. (Rates vary and are dependent on the state, selling price, and loan amount on the property.)
Title Search Fee: $250 - $325 (where applicable)
Closing Fee: $450 - $650
Sonic Loans Inc.

This company provides various real estate mortgage loan origination activities either as a third-party originator or a mortgage broker, including loan pre-qualification, competitive bid process (when providing third-party origination services), loan origination, loan pre-approval, loan structuring, processing, and closing.

Loan Origination Charge: 0-3 % of loan amount (may include 3rd party fees)
Loan Discount Fee/points: 0.5%-6% of loan amount.
Application/Processing Fee: $0.00 - $875.00
Flood and tax service: $0.00 - $95.00
Underwriting Fee: $0.00 - $1295.00
Document Review Fee: $0.00 - $400.00
Appraisal Fee: $0.00 - $850.00
Credit Report Fee: $0.00 - $135.00

Actual charges may vary according to the particular lender selected, the particular services provided, and the underlying transaction, borrower selections, etc. Some or all of these fees may be charged by third parties and/or the Member Mortgage Lender/Mortgage Broker. The Member Lenders and Mortgage Brokers have agreed to pay a fee ranging from 0.5% to 2.75% of the loan amount to Sonic Loans in connection with a range of loan origination services provided by Sonic Loans to the Member Lender/Mortgage Broker. The fees are paid either directly to Sonic Loans by the Member Lender/Mortgage Broker or billed directly to you at closing.
B. Set forth below is the estimated charge or range of charges for the settlement services of an attorney, credit reportingagency, or real estate appraiser that we, as your lender, will require you to use, as a condition of your loan on this property, to represent our interests in the transaction.
Sonic Loans Inc. provides mortgage lender/broker services. Sonic Realty LLC provides real estate brokerage services. Sonic Title Agency LLC provides title insurance and settlement services.

Provider and Settlement Service Charge or Range of Charges
Appraisal Fee $0-$800
Credit Report Fee $63-$125
 Actual charges may vary depending on the lender and loan program selected which can be found on your loan estimate.

ACKNOWLEDGMENT

I/we have read this disclosure form and understand that Sonic Loans Inc., Sonic Realty, LLC, or Sonic Title Agency LLC are referring me/us to purchase the above-described settlement service(s) and may receive a financial or other benefit as the result of this referral.