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	Escrow & Title Escrow Protected after escrow? Condominiums as rentals? Common Ways To Hold Title Direct deeding is useful Escrow is open Comparing escrow fees Learn about contingencies Prepare for Escrow closing Prorations it pertains to rent Real estate taxes pro-rated Real property vs. personal property Real Estate Mathematics The hidden cost of closing Utility bills and escrow escrow agents have to report? Walk Through Inspection   Title 1031 reverse exchange 1031- Avoid capital gains tax ALTA Policy CLTA Policy Community property tates Creating a trust Clouds on a title Do condos need title insurance? Deed Deed of Reconveyance Dealing with boundary disputes Easements Exceptions in title insurance How much is title insurance? Lis Pendens Mortgages vs. deeds of trust Not married? Joint tenants? Proposed zoning change Preliminary Title Report Quitclaim deeds Statement of Opinion Title Insurance Title insurance and builders Your closing date-Who chooses? Why you should have title insurance Who pays for what Fees in Escrow   Who pays for what Fees in Escrow The Buyer customarily pays for: Lender title policy premiums Escrow Fee - 50% Document Preparation (if applicable) Recording charges for all documents in buyer's name Tax proration ( from date of acquisition) All new loan charges Interest on new loan from date of funding to 30 days prior to first payment date Assumption/Change of Records fees for takeover of existing loans Fire Insurance Premium for first year Inspection Fees (roofing, property inspection, geological, etc.) The Seller customarily pays for: Owner's title insurance premiums Escrow Fee 50% Real Estate Commission Documentary preparation fee for deed Termite Inspection & Usually Section I (according to contract) Documentary Transfer Tax ($1.10 per $1,000.00 of sales price) Pay off all loans in seller's name Interest accrued on existing loans Statement Fees, Reconveyance Fees and any Prepayment Penalties Any judgements, tax liens, etc. against the seller Recording charges Tax prorations (for any taxes unpaid at time of transfer of title) Any unpaid Homeowner's dues All delinquent taxes Bonds or assessments (according to contract)