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Title Quote
Title insurance and settlement fees from the sale price, loan and county.
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Why is the lender's policy a separate fee?
The lender's policy protects the loan, while the owner's policy protects the buyer. Each is priced on its own.
Seller Net Sheet
What a seller keeps after commission, taxes, title fees and payoff.
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What reduces a seller's net the most?
Usually the mortgage payoff and commission. Title fees and taxes are smaller but still add up.
Loan Estimate
A Loan Estimate-style view of monthly payment, loan costs and cash to close.
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What is included in cash to close?
Closing costs plus your down payment, minus deposits and any seller credits.
Closing Disclosure
A Closing Disclosure-style summary with loan costs, other costs and credits.
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How is this different from the Loan Estimate?
It shows the final loan terms and costs, and arrives at least three days before closing.
Sell To Net
Work backward from the net a seller wants to the price that delivers it.
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Can I work backward from the net I want?
Yes. Enter your target and TICLO finds the sale price that delivers it after costs and payoff.
Seller's Multiple Offers
Compare up to three offers by what the seller actually nets.
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Is the highest offer always the best?
Not always. Concessions and costs can make a lower price net more. Compare the net, not the price.
Buyer Estimate
The full cash a buyer brings to the closing table, itemized.
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How much cash should my buyer bring?
The down payment plus itemized closing costs, less the earnest money already paid.
Monthly Affordability
How much home fits an income, monthly debts and down payment.
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How is my price range figured?
Using common lending guidelines: 28% of income for housing and 43% for total debts.
Rent Vs Buy
Total cost of renting versus owning over your time horizon.
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When does buying beat renting?
Usually the longer you stay. Appreciation and paid-down principal offset upfront costs over time.
ALTA Settlement Statement
Borrower and seller debits and credits in ALTA Settlement Statement layout.
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Who sees the ALTA statement?
The buyer, seller and lender each review their own debits and credits before closing.
Pre-HUD
A preliminary HUD-style settlement summary to review before closing.
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Is a Pre-HUD the final statement?
No. It is a preliminary summary to review figures before the final settlement statement.
Wondering what happens next?
Walk through every step from contract to closing, for buyers and sellers.