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Understanding the Role of Attorney in Fact in Real Estate Transactions

Understanding the Role of Attorney in Fact in Real Estate Transactions

In the intricate world of real estate transactions, specific terms seem puzzling at first glance. One such term is “attorney.” What exactly does it entail, and how does it impact real estate dealings? Let’s shed light on the role of an attorney, in fact, and its significance in navigating the complexities of property transactions.

An attorney is an individual granted the legal authority to act on behalf of another person, known as the principal, in specific matters outlined in a power of attorney (POA) document. This authorization can encompass various responsibilities, including financial, legal, and accurate estate-related decisions. In real estate transactions, the attorney plays a crucial role in representing the principal’s interests and executing necessary actions.

One common scenario where an attorney comes into play is during property purchases or sales, especially when the principal cannot be physically present or prefers to delegate specific tasks. The attorney may be tasked with signing documents, negotiating terms, or handling funds related to the transaction. Their authority is typically limited to the scope defined in the POA document, ensuring clarity and specificity in their actions.

Furthermore, the attorney in fact is bound by a fiduciary duty to the principal. This means they are legally obligated to act in the principal’s best interests and avoid any conflicts of interest. This duty underscores the necessity of selecting a reliable and capable individual to serve in this capacity.

While granting someone power of attorney involves bestowing them with significant decision-making authority, it can provide practical advantages, especially in real estate matters where prompt actions and well-informed decisions are crucial. However, it’s vital for principals to meticulously consider whom they appoint as their attorney in fact and to provide explicit instructions and limitations in the POA document.

In conclusion, the attorney-in-fact role plays a vital role in real estate transactions, providing a mechanism for principals to delegate authority and streamline the process. By understanding the responsibilities and implications of this role, individuals can navigate property dealings with confidence and clarity, knowing a trusted advocate represents their interests.

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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.