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Understanding Conveyance in Real Estate: A Comprehensive Guide

Understanding Conveyance in Real Estate: A Comprehensive Guide

Understanding Conveyance in Real Estate: A Comprehensive Guide

Introduction: In real estate, the term “convey” is significant as it pertains to the transfer of property ownership rights from one party to another. In this blog post, we’ll explore the concept of conveyance, its various methods, and its role in real estate transactions.

Definition of Convey: Conveyance refers to the legal process of transferring ownership of real property from a seller (grantor) to a buyer (grantee). It involves the transfer of title, which is the legal evidence of ownership, from one party to another. Conveyance can occur through various methods with legal requirements and implications.

Methods of Conveyance:

  1. Deed: The most common method of conveyance is through a deed, a legal document that transfers title from the seller to the buyer. Deeds come in different forms, including warranty deeds, quitclaim deeds, and extraordinary warranty deeds, each offering the buyer different levels of protection and warranties.
  2. Land Contract: In some cases, property may be conveyed through a land contract, also known as a contract for deed or installment contract. Under a land contract, the seller retains legal title to the property while allowing the buyer to occupy and use the property. The buyer makes installment payments to the seller until the total purchase price is paid, at this point, the seller conveys legal title to the buyer.
  3. Will or Inheritance: Property can also be conveyed through a will or inheritance when an owner passes away and bequeaths the property to heirs or beneficiaries. In such cases, the property may go through probate, a legal process to distribute the deceased owner’s assets according to their wishes or state law.
  4. Court Order: In certain situations, property may be conveyed through a court order, such as in cases of foreclosure, bankruptcy, or eminent domain. Court-ordered conveyance typically occurs when a dispute over ownership or legal intervention is necessary to transfer property rights.

Importance of Conveyance in Real Estate: Conveyance is a critical aspect of real estate transactions as it ensures that property rights are transferred legally and efficiently. It’s not just about the transfer, but also about the security it provides. Proper conveyance provides clarity and security to both buyers and sellers by establishing clear title ownership and protecting against potential disputes or claims on the property. It also allows for the smooth transfer of property from one party to another, enabling buyers to take possession and use the property without hindrance.

Conclusion: Conveyance is an essential process in real estate that not only facilitates the transfer of property ownership rights from sellers to buyers but also ensures a smooth transition. Whether through deeds, land contracts, wills, or court orders, conveyance ensures that property transactions are legally binding and enforceable. Understanding the methods and significance of conveyance is crucial for all parties involved in real estate transactions to protect their interests and ensure a smooth transfer of property ownership.

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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.