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Remote Online Notarizations: Overview and Policies
The use of Remote Online Notarization (RON) was approved by the Florida State Legislature as of January 1, 2020. Remote Online Notarization, or RON, is the use of audio/visual technology to complete a notarial act when the principal is not in the same physical location ...
Policies related to transactions where Seller’s are subject to FIRPTA Withholding
Transactions subject to a FIRPTA Withholding include the following requirements:
(1) At least 3 business day prior to Closing, FOLIO requires a review and approval of any and all FIRPTA forms, (including Withholding Certificate applications). If form...
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Understanding Your Loan: Closing Cost Details
Page 2 of your Closing Disclosure details specific closing costs.
Section A includes: Origination charges collected by the lender Origination fees paid to brokers, loan officers or other parties and Discount Points ...
Your Rights And Rules For Closing Disclosures
The Closing Disclosure documents the actual terms of your loan transaction. You should receive it no later than 3 business days before consummation. It must be in writing - paper or digital.
If the loan terms or costs change prior to consummation, your lender mus...
Understanding Loan Estimate Comparisons
Page 3 of your Loan Estimate includes measures to help you compare loans.
“In X Years” shows the total amount you will have paid in that time, and the dollar amount applied to your loan principal. The ratio between total paid and principal reduced may...
Calculating Your Cash To Close
Page 2 of the Loan Estimate provides the current ESTIMATED cash to close. Some costs will stay the same between estimate and closing. Some will change.
A - Origination Charges - should match.
B - Can’t Shop - 10% Tolerance
C -...
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