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Home Buyer’s Guide

to the Title & Escrow Process in Arizona

Quick Reference

Table of

Contents 03 Welcome 04 The Benefits of Buying

Your Escrow Number Your New Address City/State/Zip Real Estate Agent Name

Assistant

Company

Phone

Address

Fax

06 Terms You Should Know First American Title

07 Key Professionals

Escrow Officer

Escrow Assistant

09 Selecting a Home

Address

Phone

10 The Life of an Escrow

City/State/Zip

Fax

11 Closing Costs: Who Pays What

Insurance

12 Obtaining a New Loan & Types of Loans

Previous Company

Phone

Previous Agent

Policy No.

New Company

Phone

New Agent

Policy No.

Home Warranty Company

Policy No.

08 Benefits of Using a REALTOR

14 The Escrow Process 16 Understanding Title Insurance 18 Compare our Eagle Policy for Owners 20 Ways to Hold Title 21 Your Title Commitment 22 What to Avoid 23 Closing Your Escrow 24 Planning Your Move

Utilities and Services Southwest Gas 1.877.860.6020 www.swgas.com

Dish Network 1.800.823.4929 www.dishnetwork.com

Verizon 1.877.300.4498 www.connecttoverizon.com

Cox 602.277.1000 www.cox.com

CenturyLink 800.366.8201 www.centurylink.com

Salt River Project 602.236.8888 www.srpnet.com

Direct TV 1.888.777.2454 www.directv.com

AT&T 1.800.222.0300 www.att.com

APS 602.371.7171 www.aps.com

Count on First American Title Welcome to the home-buying process. Throughout this process, you can count on First American Title to guide you smoothly through your transaction and provide expert answers to your questions. We are happy to serve you.

Count On Us For Service First American Title’s professionals are proud to provide the title insurance that assures people’s home ownership. Backed by First American Title Insurance Company, your transaction will be expertly completed in accordance with state-specific underwriting standards and state and federal regulatory requirements.

Count On Us For Stability First American Title is the principal subsidiary of First American Financial Corporation, and one of the largest suppliers of title insurance services in the nation. With roots dating back to 1889, we’ve served families for generations.

Count On Us For Convenience First American Title has a direct office or agent near you, offering convenient locations throughout Arizona. We also have an extensive network of offices and agents throughout the United States, and internationally.

Count On Us To Meet Your Needs First American Financial Corporation offers more than title insurance and escrow services through its subsidiaries. Our subsidiaries also provide property data, title plant records and images, home warranties, property and casualty insurance, and banking, trust and advisory services.

AZ Buyers Guide | 3

Benefits of Buying Not sure if you should buy a home? The rent you pay could build equity in your own real estate. Do you realize how much you pay in rent over a period of years? The chart below gives you a total picture of what is happening to your money. The rent you pay adds up to a sizeable sum. R EN T

1 YR

3 YRS

5 YRS

10 YRS

15 YRS

RE TURN

$1,200

$14,400

$43,200

$72,000

$144,000

$216,000

$1,300

$15,600

$46,800

$7,800

$156,000

$234,000

$1,400

$16,800

$50,400

$84,000

$168,000

$252,000

$1,500

$18,000

$54,000

$90,000

$180,000

$270,000

$1,750

$21,000

$63,000

$105,000

$210,000

$315,000

$2,000

$24,000

$72,000

$120,000

$240,000

$360,000

$2,250

$27,000

$81,000

$135,000

$270,000

$405,000

$2,500

$30,000

$90,000

$150,000

$300,000

$450,000

$2,750

$33,000

$99,000

$165,000

$330,000

$495,000

$3,000

$36,000

$108,000

$180,000

$360,000

$540,000

$3,500

$42,000

$126,000

$210,000

$420,000

$630,000

$4,000

$48,000

$144,000

$240,000

$480,000

$720,000

RENT

- Deductions for your mortgage interest paid

- Rental amount may increase at any time

- Mortgage payments could be fixed

- Landlord approval needed for any changes

- Decorate and make changes without prior approval

- No capitalization; your money disappears forever - Rental is temporary and is often subject to 30 day’s notice AZ Buyers Guide | 4

BUY

- No interest payment deductions

- The value of your property may increase in time - Your house will become a home, not a temporary living situation; you are not at the mercy of a landlord

Sample Mortgage Payment 30-Year loan / principal & interest only

HOW MUCH HOME CAN YOU AFFORD This formula is only a guide and not to be construed as actual lending calculations.

Contact your loan officer to determine more accurately what price range you should consider. Lenders abide by certain ratios when calculating the loan amount their customers can qualify for and the ratios vary by lender and loan program. Many use 28% of your gross monthly income as the maximum allowed for your mortgage

IN T E R E S T R AT E LOAN A MO U N T

4.50%

4.75%

5.25%

5.50%

5.75%

6.25%

6.50%

$250,000

$1,267

$1,304

$1,342

$1,381

$1,419

$1,459

$1,499

$1,539

$1,580

$275,000

$1,393

$1,435

$1,476

$1,519

$1,561

$1,605

$1,649

$1,693

$1,738

$300,000

$1,520

$1,565

$1,610

$1,657

$1,703

$1,751

$1,799

$1,847

$1,896

$325,000

$1,647

$1,695

$1,745

$1,795

$1,845

$1,897

$1,949

$2,001

$2,054

$350,000

$1,773

$1,826

$1,879

$1,933

$1,987

$2,043

$2,098

$2,155

$2,212

$375,000

$1,900

$1,956

$2,013

$2,071

$2,129

$2,188

$2,248

$2,309

$2,370

$400,000

$2,027

$2,087

$2,147

$2,209

$2,271

$2,334

$2,398

$2,463

$2,528

$425,000

$2,153

$2,217

$2,281

$2,347

$2,413

$2,480

$2,548

$2,617

$2,686

$450,000

$2,280

$2,347

$2,416

$2,485

$2,555

$2,626

$2,698

$2,771

$2,844

$475,000

$2,407

$2,478

$2,550

$2,623

$2,697

$2,772

$2,848

$2,925

$3,002

$500,000

$2,533

$2,608

$2,684

$2,761

$2,839

$2,918

$2,998

$3,079

$3,160

$525,000

$2,660

$2,739

$2,818

$2,899

$2,981

$3,064

$3,148

$3,233

$3,318

$550,000

$2,787

$2,869

$2,953

$3,037

$3,123

$3,210

$3,298

$3,386

$3,476

$575,000

$2,913

$2,999

$3,087

$3,175

$3,265

$3,356

$3,447

$3,540

$3,634

$600,000

$3,040

$3,130

$3,221

$3,313

$3,407

$3,501

$3,597

$3,694

$3,792

payment (principal/interest/taxes/insurance or PITI); for your total monthly debt, the ratio is 36%. Total monthly expenses means PITI plus long-term debt (such as auto loans) and revolving/credit-card debt. Do not include other expenses such as groceries, utilities, clothing, tuition, etc., to calculate this ratio.

AZ Buyers Guide | 5

Terms You Should Know Appraisal

Deed Restrictions

Lien

An estimate of value of property resulting from analysis of facts about the property; an opinion of value.

Limitations in the deed to a parcel of real property that dictate certain uses that may or may not be made of the real property.

A form of encumbrance that usually makes a specific parcel of real property the security for the payment of a debt or discharge of an obligation. For example, judgments, taxes, mortgages, deeds of trust.

Annual Percentage Rate (APR)

Disbursement Date

The borrower’s costs of the loan term expressed as a rate. This is not their interest rate.

The date the amounts are to be disbursed to a buyer and seller in a purchase transaction or the date funds are to be paid to the borrower or a third party in a transaction that is not a purchase transaction.

Beneficiary The recipient of benefits, often from a deed of trust; usually the lender.

Closing Disclosure (CD)

Earnest Money Deposit Down payment made by a purchaser of real property as evidence of good faith; a deposit or partial payment.

Closing Disclosure form designed to provide disclosures that will be helpful to borrowers in understanding all of the costs of the transaction. This form will be given to the consumer three (3) business days before closing.

A right, privilege or interest limited to a specific purpose that one party has in the land of another.

Close of Escrow

Endorsement

Generally the date the buyer becomes the legal owner and title insurance becomes effective.

As to a title insurance policy, a rider or attachment forming a part of the insurance policy expanding or limiting coverage.

Comparable Sales

Hazard Insurance

Sales that have similar characteristics as the subject real property, used for analysis in the appraisal. Commonly called “comps.”

Real estate insurance protecting against fire, some natural causes, vandalism, etc., depending upon the policy. Buyer often adds liability insurance and extended coverage for personal property.

Consummation Occurs when the borrower becomes contractually obligated to the creditor on the loan, not, for example, when the borrower becomes contractually obligated to a seller on a real estate transaction. The point in time when a borrower becomes contractually obligated to the creditor on the loan depends on applicable State law. Consummation is not the same as close of escrow or settlement.

Deed of Trust An instrument used in many states in place of a mortgage. AZ Buyers Guide | 6

Easement

Impounds

Loan Estimate (LE) Form designed to provide disclosures that will be helpful to borrowers in understanding the key features, costs and risks of the mortgage loan for which they are applying. Initial disclosure to be given to the borrower three (3) business days after application.

Mortgage The instrument by which real property is pledged as security for repayment of a loan.

PITI A payment that includes Principal, Interest, Taxes, and Insurance.

Power of Attorney A written instrument whereby a principal gives authority to an agent. The agent acting under such a grant is sometimes called an “Attorney-in-Fact.”

Recording Filing documents affecting real property with the appropriate government agency as a matter of public record.

A trust type of account established by lenders for the accumulation of borrower’s funds to meet periodic payments of taxes, mortgage insurance premiums and/or future insurance policy premiums, required to protect their security.

Provides a complete breakdown of costs involved in a real estate transaction.

Legal Description

TRID

A description of land recognized by law, based on government surveys, spelling out the exact boundaries of the entire parcel of land. It should so thoroughly identify a parcel of land that it cannot be confused with any other.

TILA-RESPA Integrated Disclosures

Settlement statement

Key Professionals Involved in Your Transaction REALTOR

A REALTOR ® is a licensed real estate agent and a member of the National Association of REALTORS,® a real estate trade association. REALTORS ® also belong to their state and local Association of REALTORS.®

REAL ESTATE AGENT A real estate agent is licensed by the state to represent parties in the transfer of property. Every REALTOR ® is a real estate agent, but not every real estate agent has the professional designation of a REALTORS.®

LISTING AGENT A key role of the listing agent or broker is to form a legal relationship with the homeowner to sell the property and place the property in the Multiple Listing Service.

BUYER'S AGENT A key role of the buyer’s agent or broker is to work with the buyer to locate a suitable property and negotiate a successful home purchase.

MULTIPLE LISTING SERVICE (MLS) The MLS is a database of properties listed for sale by REALTORS ® who are members of the local Association of REALTORS.® Information on an MLS property is available to thousands of REALTORS.®

TITLE COMPANY These are the people who carry out the title search and examination, work with you to eliminate the title exceptions you are not willing to take subject to, and provide the policy of title insurance regarding title to the real property.

ESCROW OFFICER An escrow officer leads the facilitation of your escrow, including escrow instructions preparation, document preparation, funds disbursement, and more. AZ Buyers Guide | 7

Benefits of using a Professional REALTOR

Congratulations on your decision to buy a home! It’s a challenging project, and there are many ways a professional can help. Here are some of the many ways you may benefit from working with a REALTOR ®:

IT WON’T COST YOU A PENNY! The REALTOR ® who helps you buy a home is traditionally paid by the seller.

MANY MORE HOME CHOICES. Your REALTOR ® has thousands of homes to choose from through the Multiple Listing Service (MLS), so you’re more likely to find the home that’s just right for you and find it quicker. In fact, a majority of the homes for sale are listed by REALTORS® and aren’t available to you unless you are working with a REALTOR.®

A NUMBER OF TR ANSAC TIONS “FALL OUT.” Unfortunately, it’s true. Some transactions fall apart before closing. An experienced REALTOR ® may be able to resolve problems and see your transaction through to a successful closing.

KNOWLEDGE OF NEW HOME SUBDIVISIONS. New home subdivisions will welcome you and your REALTOR.® If you’re interested in buying a new home, take your agent with you on your first visit to each subdivision. Your professional REALTOR ® is an important source of information who can supply background on the builder, nearby subdivisions, and the local community.

IT’S A MAJOR INVESTMENT. You use a professional for your legal, financial and health needs. Why gamble on what may be your biggest investment without a professional at your side?

HELP WITH FSBO’S. If you consider a “For Sale By Owner,” take your REALTOR ® along to help negotiate the contract.

LESS LIABILIT Y. You may have more protection from legal and financial liability, especially as real estate transactions become more complicated.

THE PAPERWORK. Your experienced REALTOR ® will negotiate and prepare the purchase contract for you and assist you throughout the escrow process. AZ Buyers Guide | 8

Selecting a Home The following home comparison chart is designed to help you remember the homes you visit and what you liked best and least about each one. Rate features or make notes that will help you determine what pleased or displeased you. Remembering each home would appear easy, but it can quickly become confusing. Which home was near the school? Which one had the great pool? Did it have a family room? And how many bathrooms? In the “Something Memorable” category, note something you think is unusual and memorable about each home, such as a stained glass window, fruit trees, a child’s playhouse. This will make it easier for you to recall the property later and refer to a specific address. And, last but not least, maybe the most important question, does this house feel like home?

Home 1

Home 2

Home 3

Home 4

Home 5

Address Asking price No. Bedrooms/baths Square footage First impression Location Neighborhood Appealing style Living room Dining room Great room Kitchen Family room Bathroom Master bedroom Master bath Bedrooms Floor plan Patio Pool Landscaping Garage or carport Something memorable Does this feel like home? AZ Buyers Guide | 9

The Life Of An Escrow THE BUYER

THE SELLER

THE ESCROW OFFICER

THE LENDER

Chooses a Real Estate Agent

Upon receipt of order and earnest money deposit, orders title examination.

Gets pre-approval letter from Lender and provides to Real Estate Agent.

Accepts Buyer’s offer to purchase.

Accepts Buyer’s application and begins the qualification process. Provides Buyer with Loan Estimate.

Makes offer to purchase. Upon acceptance, opens escrow and deposits earnest money. Finalizes loan application with Lender. Receives a Loan Estimate from Lender. Completes and returns opening package from First American Title.

Orders any work for inspections and/or repairs to be done as required by the purchase agreement.

Schedules inspections and evaluates findings. Reviews title commitment/ preliminary report.

Escrow officer or real estate agent contacts the seller to schedule signing appointment.

Provides all requested paperwork to Lender (bank statements, tax returns, etc.) All invoices and final approvals should be to the lender no later than 10 days prior to loan consummation.

Documents are recorded and all proceeds from sale are received.

Lender (or Escrow Officer) prepares CD and delivers to Buyer at least 3 days prior to loan consummation. Escrow officer or real estate agent contacts the buyer to schedule signing appointment. Buyer consummates loan, executes settlement documents, & deposits funds via wire transfer. Documents are recorded and the keys are delivered!

AZ Buyers Guide | 10

Completes and returns opening package from First American Title, including information such as forwarding address, payoff lender contact information and loan numbers.

Requests necessary information from buyers and sellers via opening packages. Reviews title commitment / preliminary report. Upon receipt of opening packages, orders demands for payoffs. Contacts buyer or seller when additional information is required for the title commitment/ preliminary report. All demands, invoices, and fees must be collected and sent to lender at least 10 days prior to loan consummation. Coordinates with lender on the preparation of the CD. Reviews all documents, demands, and instructions and prepares settlement statements and any other required documents. Schedules signing appointment and informs buyer of funds due at settlement. Once loan is consummated, sends funding package to lender for review. Prepares recording instructions and submits docs for recording. Documents are recorded and funds are disbursed. Issues final settlement statement.

Orders and reviews title commitment / preliminary report, property appraisal, credit report, employment and funds verification. Collects information such as title commitment / preliminary report, appraisal, credit report, employment and funds verification. Reviews and requests additional information for final loan approval. Underwriting reviews loan package for approval. Coordinates with Escrow Officer on the preparation of the Closing Disclosure, which is delivered to Buyer at least 3 days prior to loan consummation. Delivers loan documents to escrow. Upon review of signed loan documents, authorizes loan funding.

Closing Costs: Who Pays What THIS CHART INDICATES WHO CUSTOMARILY PAYS WHAT COSTS

CASH

FHA

CONV

BUYER

Downpayment

Termite (Wood Infestation) Inspection (negotiable except on VA)

Property Inspection (if requested by Buyer)

BUYER

Property Repairs, if any (negotiable)

SELLER

New Loan Origination Fee (negotiable)

BUYER

Discount Points (negotiable)

BUYER

Credit Report

BUYER

Appraisal or Extension Fee (negotiable)

BUYER

Existing Loan Payoff

SELLER

10.

Existing Loan Payoff Demand

SELLER

11.

Loan Prepayment Penalty (if any)

SELLER

12.

Next Month’s PITI Payment

BUYER

13.

Prepaid Interest (approx. 30 days)

BUYER

14.

Reserve Account Balance (Credit Seller / Charge Buyer)

PRORATE

15.

FHA MIP, VA Funding Fee, PMI Premium

BUYER

16.

Assessments payoff or proration (sewer, paving, etc.)

SELLER

17.

Taxes

PRORATE

18.

Tax Impounds

BUYER

19.

Tax Service Contract

SELLER

BUYER

20.

Fire/Hazard Insurance

21.

Flood Insurance

22.

Homeowners Association (HOA) Transfer Fee

23.

HOA/Disclosure Fee

24.

Current HOA Payment

25.

Next Month’s HOA Payment

26.

Home Warranty Premium (negotiable)

27.

REALTORS®’ Commissions

28.

EAGLE Homeowners Title Policy

29.

Lenders Title Policy and Endorsements

30.

Escrow Fee (NOTE: Charge Seller on VA Loan)

31.

Recording Fees (Flat Rate)

32. 33.

SELLER

BUYER

BUYER or SELLER

SELLER

PRORATE

BUYER

BUYER or SELLER

SELLER

BUYER

SPLIT

SELLER

SPLIT

Reconveyance/Satisfaction Fee

SELLER

SPLIT

Courier/Express Mail Fees

SPLIT

SELLER

SPLIT

Note: Prorated items will appear on Closing Statement as charges for one and credits for the other.

AZ Buyers Guide | 11

Obtaining a new loan

WHAT YOU MAY NEED FOR THE LOAN APPLICATION

WHEN AND WHERE TO APPLY FOR A LOAN? There are many sources for home loans including banks, credit unions, mortgage companies, and mortgage brokers. Your REALTOR® may give you several names of lenders who have proven reliable in their previous transactions. Apply for your loan as soon as possible. In fact, it’s probably a good idea to know what you can afford before you begin looking for your new home. It can give you more bargaining power when negotiating with a Seller, especially in today’s market. A lender can prequalify you for a certain price range and help you avoid disappointment later.

YOUR LENDER WILL MAIL OUT VERIFICATION REQUESTS and order an appraisal on the property you are buying. If your lender asks for additional items, please comply promptly with those requests to avoid delaying loan approval. WHAT IS HA Z ARD (OR FIRE) INSUR ANCE? Hazard insurance covers the dwelling itself and is required by the lender to protect their “risk” in your home. Your lender or REALTOR® will explain the necessary hazard insurance coverage to you. If you are buying a condominium, a master policy already exists which includes your unit—but it does not cover your personal belongings.

CONTAC T YOUR INSUR ANCE AGENT EARLY in the process, because this coverage must be provided so the lender can release loan funds to First American Title. Hazard insurance is one of the items frequently postponed until the last minute, and this can result in delaying the closing for a day or more. Order your insurance as soon as your loan is approved; then furnish your escrow officer with the agent’s name and phone number. When you talk with your insurance agent, be sure to ask about additional coverage in a homeowner’s policy to insure your personal belongings and to protect against liability for such events as injuries to visitors.

WHAT HAPPENS AFTER LOAN APPROVAL? After loan approval and just prior to your planned closing date, the lender will send loan documents to First American Title, and your escrow officer will prepare an estimated settlement statement. This statement indicates what funds go where, and at this time your escrow officer can tell you how much money you need to bring to the closing appointment. Be aware that this amount may be higher or lower than previously estimated due to changes in such items as prepaid interest, prorated fees, courier fees, and impound accounts. AZ Buyers Guide | 12

BE PREPARED TO PROVIDE SOME OF ALL OF THESE ITEMS TO YOUR LOAN OFFICER: - Addresses of residences for last two years - Social Security Number - Driver’s License or other valid ID - Names and addresses of employers for last two years - Two recent pay stubs showing year-to-date earnings - Federal tax returns for last two years - W-2’s for last two years - L ast two months statements for all checking and savings account - Loans: Names, addresses, account numbers, and payment amounts on all loans - Real estate loans: Names, addresses, account numbers, and payment amounts on all loans for other real estate you own - Credit cards: Names, addresses, account numbers, and payment amounts on all credit cards - Addresses and values of other real estate owned - Value of personal property. Your best estimate of the value of all your personal property (autos, boats, furniture, jewelry, television, stereo, computer, other electronics, etc.) - For a VA loan, Certificate of Eligibility or DD214s - Divorce decree if applicable - Funds to pay upfront for the credit report and appraisal - Letters of Explanation regarding credit inquires or special circumstances

Types of Loans ADJUSTABLE R ATE LOAN.

CONVENTIONAL LOAN.

Adjustable or variable rate refers to the fluctuating interest rate you’ll pay over the life of the loan. The rate is adjusted periodically to coincide with changes in the index on which the rate is based. The minimum and maximum amounts of adjustment, as well as the frequency of adjustment are specified in the loan terms. An adjustable rate mortgage may allow you to qualify for a higher loan amount but maximums, caps and time frames should be considered before deciding on this type of loan.

This simply describes a loan that is not obtained under any governmentinsured program, secured by investors. It could be a fixed rate or adjustable.

ASSUMABLE LOAN. A true assumable loan is rare today. This loan used to enable a buyer to pay the seller for the equity in the home and take over the payments without meeting any requirements. Assumables these days generally require standard income, credit and funds verification by the lender before the loan can be transferred to the buyer.

COMMUNIT Y HOMEBUYER’S PROGR AM. This program is designed to assist first-time buyers by offering a fixed rate and a low downpayment, such as 3 to 5% down. The program doesn’t require cash reserves, and qualifying ratios are more lenient; however, the buyer’s income must fall within a certain range and a training course may be necessary if required by the program. Ask your loan officer if this program is available in your community and whether or not you might qualify.

FHA LOAN. This program is beneficial for buyers who don’t have large downpayments. The loan is insured by the Federal Housing Administration under Housing and Urban Development (HUD) and offers easier qualifying with less cash needed upfront but the condition of the property is strictly regulated. The seller will pay a portion of the closing costs that would typically be paid by the buyer in a conventional loan program.

FIXED R ATE LOAN. This loan has one interest rate that is constant throughout the loan.

VA LOAN. People who have served in the U.S. armed forces can apply for a VA loan which covers up to 100% of the purchase price and requires little or no downpayment.

AZ Buyers Guide | 13

The Escrow Process WHAT IS AN ESCROW? The escrow is the process of having a neutral party manage the exchange of money for real property. The escrow holder is known as an escrow or settlement officer or agent. The buyer deposits funds and the seller deposits a deed with the escrow holder along with all of the other documents required to remove all "contingencies" (conditions and approvals) in the purchase agreement prior to closing.

HOW IS AN ESCROW OPENED? Once a purchase agreement is signed by all necessary parties, the agent representing the party who will pay the fee selects an escrow holder and the buyer's earnest money deposit and contract are submitted to the escrow holder. From this point, the escrow holder will follow the mutual written instructions of the buyer and seller, maintaining a neutral stance to ensure that neither party has an unfair advantage over the other. The escrow holder also follows the instructions of the Buyer's new lender, the seller's existing lender, and both parties' agents. The escrow holder ensures the transparency of the transaction, while carefully maintaining the privacy of the consumers.

AZ Buyers Guide | 14

Your Escrow Professional May: pen escrow and, if instructed to do so, deposit your good faith funds in a O separate escrow account rder a title search to determine ownership and status of the subject O real property I ssue a preliminary report and begin the process of eliminating the title exceptions you and your lender are not willing to take title subject to Request payoff information for the seller's loans, other liens, homeowner's association fees, etc. Coordinate with the buyer’s lender on the preparation of the Closing Disclosure (CD) rorate fees, such as real property taxes, per the contract, and prepare the P settlement statement et separate appointments allowing the seller and you to sign documents S and deposit funds eview documents ensuring all conditions and legal requirements are R fulfilled; request funds from lender When all funds are deposited, record documents with the County Recorder's Office to transfer the subject real property to you After the recordation is confirmed, close escrow and disburse funds, including Seller's proceeds, loan payoffs, etc. Prepare and send final documents to all parties involved AZ Buyers Guide | 15

Understanding Title Insurance The Title Industry & Title Insurance in Brief Prior to the development of the title industry in the late 1800s, a home-buyer received a grantor’s warranty, attorney’s title opinion, or abstractor’s certificate as assurance of home ownership. The buyer relied on the financial integrity of the grantor, attorney, or abstractor for protection. Today, home-buyers look primarily to title insurance to provide this protection. Title insurance companies are regulated by state statute. They are required to post financial guarantees to ensure that any claims will be paid in a timely fashion. They also must maintain their own “title plants” which house duplicates of recorded deeds, mortgages, plats, and other pertinent county property records. AZ Buyers Guide | 16

WHAT IS TITLE INSUR ANCE? Title insurance provides coverage for certain losses due to defects in the title that, for the most part, occurred prior to your ownership. Title insurance protects against defects such as prior fraud or forgery that might go undetected until after closing and possibly jeopardize your ownership and investment.

WHY IS TITLE INSUR ANCE NEEDED? Title insurance insures buyers against the risk that they did not acquire marketable title from the seller. It is primarily designed to reduce risk or loss caused by defects in title from the past. A loan policy of title insurance protects the interest of the mortgage lender, while an owner’s policy protects the equity of you, the buyer, for as long as you or your heirs (in certain policies) own the real property.

WHEN IS THE PREMIUM DUE? You pay for your owner’s title insurance policy only once, at the close of escrow. Who pays for the owner’s policy and loan policy varies depending on local customs.

The Importance of Title Protection

HOW TITLE INSURANCE DIFFERS From Other Forms of Insurance

There are many title issues that could cause you to lose your real property or your mortgage investment. Even the most careful search of public records may not disclose the most dangerous threat: hidden risks. These issues may not be uncovered until years later. Without title insurance from a reputable and financially solvent company, the ownership of your home could be jeopardized. Here are some examples of title issues that may occur: Deeds by persons supposedly single, but secretly married Deeds in lieu of foreclosure given under duress Marital rights of spouse purportedly, but not legally, divorced Impersonation of the true owner of the land Deeds by minors Deeds by persons of unsound mind

Unlike other forms of insurance, title insurance emphasizes loss prevention for the insured. Title professionals perform labor-intensive work to find and address title issues that could threaten your homeownership. This upfront analysis gives you, as a policy holder, the peace of mind that your title risk has been effectively reduced. In contrast, insurance based on loss assumption (such as auto or property and casualty insurance) requires little upfront work because claims cannot be predicted or prevented, and premium funds are needed only in the event of an accident or other covered issue. These types of insurance also require annual coverage payments, unlike title insurance which is paid for only once upon the purchase of your home or establishment of a new mortgage.

Deeds to or from defunct corporations Defective acknowledgments by notaries Duress in execution of instruments Erroneous reports furnished by tax officials Forged deeds, releases, etc. Mistakes in recording legal documents Surviving children omitted from will Administration of estate of persons absent but not deceased Birth or adoption of children after date of will Claims of creditors against real property sold by heirs or devisees Deed of community property recited to be separate property Deeds by foreign parties AZ Buyers Guide | 17

Eagle Policy® for Owners The Benefits of First American Title Insurance Company's Eagle Policy® for Owners the Standard ALTA Owner's Policy First American Title’s Eagle Policy® for Owners provides expanded title coverage for natural persons who purchase one‐to‐four family residences, including condominiums. Coverages included in the Eagle Policy® for Owners offer the highest levels of protection available to homeowners. Eagle Policy® for Owners benefits you won’t get with a Standard ALTA Owner’s Policy: Post-policy Forgery Post-policy Encroachments Post-policy Adverse Possession - Coverage extended to homeowner when someone claims to have the insureds title arising out of someone else’s continued use and occupancy Post-Policy Easement by Prescription - Coverage if another claims right to use a part of the insureds land as an easement because of continuous use over time Building Permit and Zoning Violation - Coverage for losses up to $25,000, after a small deductible, for building permit violations and forced remediation of zoning violations, and up to the full policy amount for forced removal of structures due to zoning violations Expanded Access - Expanded to include both vehicular and pedestrian access to and from land, based upon legal right Encroachment of Improvements onto Easements and Set-backs Subdivision Violation - Homeowners are covered up to $10,000, after a small deductible, for protection against subdivision violations prior to purchase Restrictive Covenant Violations - Coverage provided for violations of restrictive covenants, occurring before homeowner acquired land if the homeowner is forced to correct or remove the violation or if the homeowner’s title is lost or taken because of the violation Structural Damage for Mineral Abstraction or Easement Use Encroachment of Boundary Walls and Fences - Protection of up to $5,000, after a small deductible, for encroachments onto a neighbor’s land, onto an easement, or over a building set-back line

AZ Buyers Guide | 18

Compare First American’s Eagle Policy® for Owners Protection from: 1

Someone else owns an interest in your title

A document is not properly signed

Forgery, fraud, duress in the chain of title

Defective recording of any document

There are restrictive covenants

There is a lien on your title because there is:

EAGLE

Compare First American’s Eagle Policy® for Owners

ALTA Standard or CLTA 21

Post-policy prescriptive easement

Covenant violation resulting in your title reverting to a previous owner

Violation of building setback regulations

Discriminatory covenants Other benefits:

Pays rent for substitute land or facilities

Rights under unrecorded leases

Plain language statements of policy coverage and restrictions

c) a charge by a homeowner’s association

Compliance with Subdivision Map Act

Title is unmarketable

Coverage for boundary wall or fence encroachment*

Mechanics lien

Forced removal of a structure because it:

Added ownership coverage leads to enhanced marketability

Insurance coverage for a lifetime

Post-policy inflation coverage with automatic increase in value up to 150% over five years

Post-policy Living Trust coverage

a) a deed of trust b) a judgement, tax, or special assessment

a) extends on another property and/or easement b) violates a restriction in Schedule B c) violates an existing zoning law* 10

Cannot use the land for a Single-Family Residence because the use violates a restriction in Schedule B or a zoning ordinance

Unrecorded lien by a homeowners association

Unrecorded easements

Building permit violations*

Restrictive covenant violations

Post-policy forgery

Post-policy encroachment

Post-policy damage from extraction of minerals or water

Lack of vehicular and pedestrian access

Map not consistent with legal description

Post-policy adverse possession

ALTA Standard or CLTA

EAGLE

* Deductible and maximum limits apply. Not available to investors on 1- to 4-unit residential properties. Coverage may vary based on an individual policy.

As with any insurance contract, the insuring provisions express the coverage afforded by the title insurance policy and there are exceptions, exclusions and conditions to coverage that limit or narrow the coverage afforded by the policy. Also, some coverage may not be available in a particular area or transaction due to legal, regulatory, or underwriting considerations. Please contact a First American representative for further information. The services described above are typical basic services. The services provided to you may be different due to the specifics of your transaction or the location of the real property involved.

AZ Buyers Guide | 19

Vesting: Ways to Hold Title COMMUNITY PROPERTY

JOINT TENANCY WITH RIGHT OF SURVIVORSHIP

COMMUNITY PROPERTY WITH RIGHT OF SURVIVORSHIP

TENANCY IN COMMON

Requires a valid marriage between two persons.

Parties need not be married; may be more than two joint tenants.

Requires a valid marriage between two persons.

Parties need not be married; may be more than two tenants in common.

Each spouse holds an undivided one-half interest in the estate.

Each joint tenant holds an equal and undivided interest in the estate, unity of interest.

Each spouse holds an undivided one-half interest in the estate.

Each tenant in common holds an undivided fractional interest in the estate. Can be disproportionate.

One spouse cannot partition the property by selling his or her interest.

One joint tenant can partition the property by selling his or her joint interest.

One spouse cannot partition the property by selling his or her interest.

Each tenant’s share can be conveyed, mortgaged or devised to a third party.

Requires signatures of both spouses to convey or encumber.

Requires signatures of all joint tenants to convey or encumber the whole.

Requires signatures of both spouses to convey or encumber.

Requires signatures of all tenants to convey or encumber the whole.

Each spouse can devise (will) one-half of the community property.

Estate passes to surviving joint tenants outside of probate.

Estate passes to the surviving spouse outside of probate.

Upon death the tenant’s proportionate share passes to his or her heirs by will or intestacy.

Upon death the estate of the decedent must be “cleared” through probate, affidavit or adjudication.

No court action required to “clear” title upon the death of joint tenant(s).

No court action required to “clear” title upon the first death.

Upon death the estate of the decedent must be“cleared” through probate, affidavit or adjudication.

Note: Arizona is a community property state. Property acquired by a married couple is presumed to be community property unless legally specified otherwise. Title may be held as “Sole and Separate.” If a married person acquires title as sole and separate, his or her spouse must execute a disclaimer deed to avoid the presumption of community property. Parties may choose to hold title in the name of an entity, e.g., a corporation; a limited liability company; a partnership (general or limited), or a trust. Each method of taking title has certain significant legal and tax consequences; therefore, you are encouraged to obtain advice from an attorney or other qualified professional.

AZ Buyers Guide | 20

WHAT HAPPENS NEXT FOR THE BUYER IDENTIT Y STATEMENT You will be asked to fill out an Identity Statement that enables our title department to distinguish you from others with identical names during our search of County records. It also provides basic information that will be useful to your escrow officer.

HOME LOAN Unless you are paying cash, assuming a loan, or the seller is financing, you will need to apply for a home loan if you have not already done so. Apply as soon as possible to comply with the purchase contract and prior to insuring to avoid delaying the closing.

RESPONSE TO SELLER’S NOTICES If directed by the contract, you may receive the following items which require a response from you: - Seller’s property disclosure statement listing any existing problems known to the seller - Information pertaining to the Homeowners Association (HOA) or Planned Unit Development (PUD), such as Covenants, Conditions and Restrictions (CC&Rs), if applicable - Flood hazard disclosure if the real property is in a flood area - I ndependent inspections, such as termite and septic, and any repairs as required

TITLE COMMITMENT You will receive a copy of the title commitment when we complete the title search. If you have questions about the title commitment, contact your real estate agent or your escrow officer.

CONSIDER THIS One escrow transaction could involve over 20 individuals, including real estate professionals, buyer, seller, attorney, escrow officer, escrow technician, title officer, loan officer, loan processor, loan underwriter, home inspector, termite inspector, insurance agent, home warranty representative, contractor, roofer, plumber, pool service, and so on. And often one transaction depends on another. When you consider the number of people involved, you can imagine the opportunities for delays and mishaps. While your experienced real estate professional, escrow, and title team can’t prevent unforeseen problems from arising, they can help to ensure as smooth a closing as possible.

Your Title Commitment The information below is to help you understand the contents of the title commitment you will receive from First American Title. SCHEDULE A

This is the information submitted to our title department by the escrow officer. It contains the basic information given to us by the buyer or real estate professional, such as the legal description of the real property, sale price, loan amount, lender, name, and marital status of buyer and seller. SCHEDULE B

The Schedule B “exceptions” are items which are tied to the subject property, and the buyer's rights in the title will be subject to these exceptions. These may include easements, Homeowners Association by-laws, leases, Covenants, Conditions, and Restrictions (CC&Rs) and other items which will remain of record and transfer with the property. The buyer is asked to sign a receipt for the Schedule B documents which states the buyer has read and accepts the contents. REQUIREMENTS

These are items that First American Title needs to delete and/or record prior to insuring title to the real property. Items that need to be addressed include: - Current property-tax status - Any assessments that are owed, such as those for a Homeowners Association - Any encumbrances (or liens) on the real property Sometimes items show up against a parcel of real property because another person has a name similar to an involved party. This is one reason we ask for an Identity Statement, to determine if items are inaccurate and can be deleted. AZ Buyers Guide | 21

What to Avoid During the Closing Process AVOID CHANGING JOBS A job change may result in your loan being denied, particularly if you are taking a lower-paying position or moving into a different field. Don’t think you’re safe because you’ve received approval earlier in the process, as the lender may call your employer to re-verify your employment just prior to funding the loan.

AVOID PAYING OFF EXISTING ACCOUNTS UNLESS YOUR LENDER REQUESTS IT If your loan officer advises you to pay off certain bills in order to qualify for the loan, follow that advice. Otherwise, leave your accounts as they are until your escrow closes.

AVOID SWITCHING BANKS OR MOVING YOUR MONEY TO ANOTHER INSTITUTION After the lender has verified your funds at one or more institutions, the money should remain there until needed for the purchase.

AVOID MAKING ANY LARGE PURCHASES A major purchase that requires a withdrawal from your verified funds or increases your debt can result in your not qualifying for the loan. A lender may check your credit or re-verify funds at the last minute, so avoid purchases that could impact your loan approval.

AZ Buyers Guide | 22

Closing Your Escrow THE CLOSING DISCLOSURE Once the loan is approved and all invoices and paperwork have been provided, the lender and escrow officer will collaborate on the preparation of the Closing Disclosure (CD). In order to close on time, all paperwork and invoices should be submitted at least 10 days prior to the expected close of escrow date. The borrower must receive the CD at least three days* prior to consummation of the loan (typically the signing date). The escrow officer will also prepare an estimated settlement statement and inform the buyer of the balance of the down payment and closing costs needed to close escrow.

to the escrow officer. This includes any payments that may have been missed. You are responsible for all charges incurred even if overlooked by the escrow holder, so it's better to bring these to their attention before closing. The escrow holder is obligated by law to have the designated amount of money before releasing any funds. If you have questions or foresee a problem, let your escrow holder know immediately.

DON'T FORGET YOUR IDENTIFICATION

*For purposes of the Closing Disclosure“business day” is defined as every day except Sundays and Federal legal holidays.

You will need valid identification with your photo I.D. on it when you sign documents that need to be notarized (such as a deed). A driver's license is preferred. You will also be asked to provide your social security number for tax reporting purposes, and a forwarding address.

THE CLOSING OR SIGNING APPOINTMENT

WHAT HAPPENS NEX T?

The escrow holder will contact you or your agent to schedule a closing or signing appointment. In some states, this is the "close of escrow." In some others, the close of escrow is either the day the documents record or that funds are disbursed. Ask your escrow holder if you would like clarification about your state's laws. You will have a chance to review the settlement statement and supporting documentation. This is your opportunity to ask questions and clarify terms. You should review the settlement statement carefully and report discrepancies

If you are obtaining a new loan, your signed loan documents will be returned to the lender for review. The escrow holder will ensure that all contract conditions have been met and will ask the lender to "fund the loan." If your loan documents are satisfactory, the lender will send funds directly to the escrow holder. When the loan funds are received, the escrow holder will verify that all necessary funds are in. Escrow funds will be disbursed to the seller and other appropriate payees. Then, you’ll receive the keys to your home!

After The Closing

RECORDED DEED

We recommend you keep all records pertaining to your home together in a safe place, including all purchase documents, insurance, maintenance, and improvements.

TITLE INSUR ANCE POLICY

HOME WARR ANT Y REPAIRS If you have a home warranty plan with First American Home Buyers Protection, please call them directly and have your home warranty number available.

The original deed to your home will be mailed directly to you by the County Recorder, generally within four to six weeks. First American Title will mail your policy to you in about two to three weeks.

PROPERT Y TA XES You may not receive a tax statement for the current year on the home you buy; however, it is your obligation to make sure the taxes are paid when due. Check with your mortgage company to find out if taxes are included with your payment. For more information on your property taxes, visit your County Auditor/Controller's web site. AZ Buyers Guide | 23

Planning your move SIX WEEKS BEFORE: Create an inventory sheet of items to move. Research moving options. You’ll need to decide if yours is a do-it-yourself move or if you’ll be using a moving company. Request moving quotes. Solicit moving quotes from as many moving companies and movers as possible. There can be a large difference between rates and services within moving companies.

ONE WEEK BEFORE: Plan your itinerary. Make plans to spend the entire day at the house or at least until the movers are on their way. Someone will need to be around to make decisions. Make plans for kids and pets to be at the sitters for the day. Change of address. Visit USPS for change of address form. Bank accounts. Notify bank of address change. Make sure to have a money order for paying the moving company if you are transferring or closing accounts.

Discard unnecessary items. Moving is a great time for ridding yourself of unnecessary items. Have a yard sale or donate unnecessary items to charity.

Service automobiles. If automobiles will be driven long distances, you’ll want to have them serviced for a trouble-free drive.

Packing materials. Gather moving boxes and packing materials for your move.

Cancel services. Notify any remaining service providers (newspapers, lawn services, etc) of your move.

Contact insurance companies. (Life, Health, Fire, Auto) You’ll need to contact your insurance agent to cancel/transfer your insurance policy. Do not cancel your insurance policy until you have and closed escrow on the sale. Seek employer benefits. If your move is work-related, your employer may provide funding for moving expenses. Your human resources rep should have information on this policy. Changing Schools. If changing schools, contact new school for registration process.

FOUR WEEKS BEFORE: Contact utility companies. Set utility turnoff date, seek refunds and deposits and notify them of your new address. Obtain your medical records. Contact your doctors, physicians, dentists and other medical specialists who may currently be retaining any of your family’s medical records. obtain these records or make plans for them to be delivered to your new medical facilities. Note food inventory levels. Check your cupboards, refrigerator and freezer to use up as much of your perishable food as possible. Service small engines for your move by extracting gas and oil from the machines. This will reduce the chance to catch fire during your move. Protect jewelry and valuables. Transfer jewelry and valuables to safety deposit box so they can not be lost or stolen during your move. Borrowed and rented items. Return items which you may have borrowed or rented. Collect items borrowed to others.

AZ Buyers Guide | 24

Start packing. Begin packing for your new location. Travel items. Set aside items you’ll need while traveling and those needed until your new home is established. Make sure these are not packed in the moving truck! Scan your furniture. Check furniture for scratches and dents before so you can compare notes with your mover on moving day. Prepare Floor Plan. Prepare floor plan for your new home. This will help avoid confusion for you and your movers.

MOVING DAY: Review the house. Once the house is empty, check the entire house (closets, the attic, basement, etc) to ensure no items are left or no home issues exist. Sign the bill of lading. Once your satisfied with the mover’s packing your items into the truck, sign the bill of lading. If possible, accompany your mover while the moving truck is being weighed. Double check with your mover. Make sure your mover has the new address and your contact information should they have any questions during your move. Vacate your home. Make sure utilities are off, doors and windows are locked and notify your real estate agent you’ve left the property.

Your Notes:

AZ Buyers Guide | 25

Central Arizona

2 7

First American Title Branch Locator

GOLDFIELD

CRISMON

SIGNAL BUTTE

1 SUN CITY WEST

623.299.3644 13940 W. Meeker Blvd, #119 Sun City West, AZ 85375 N of Meeker Blvd W of R.H. Johnson

2 T HE LEGENDS

623.537.1608 20241 N. 67th Ave, #A-2 Glendale, AZ 85308 E side 67th Ave/N of 101

3 A NTHEM

623.551.3265 39508 N. Daisy Mountain Dr, #128 Anthem, AZ 85086 NE corner Daisy Mtn Dr/Gavilan Peak Pkwy

4 TATUM RIDGE

480.515.4369 11211 N Tatum Blvd, #A150 Phoenix, AZ 85028 N of Shea, E side of Tatum

AZ Buyers Guide | 26

5 C AREFREE

9 G ILBERT SAN TAN

6 SCOTTSDALE FORUM

10 M ESA

7 D C CROSSING

11 R ED MOUNTAIN

8 C HANDLER PORTICO

12 G OLD CANYON

480.575.6609 7202 E. Carefree Dr, Bldg 1, #1 Carefree, AZ 85377 NE corner of Tom Darlington/Carefree Dr.

480.551.0480 6263 N. Scottsdale Rd, #110 Scottsdale, AZ 85250 E Side Scottsdale/S of Lincoln

480.563.9034 18291 N. Pima Rd, #145 Scottsdale, AZ 85255 SE corner of Pima/Legacy

480.777.0051 2121 W. Chandler Blvd., #215 Chandler, AZ 85224 SW Corner Chandler Blvd./Dobson Rd.

480.777.0614 1528 E. Williams Field Rd. #101 Gilbert, AZ 85295 NW corner of Williams Field Rd./Val Vista Rd.

480.401.3738 1630 S. Stapley Dr, #123 Mesa, AZ 85204 N of Baseline / W of Stapley

480.534.3599 1135 N. Recker Rd, #103 Mesa, AZ 85205 SE corner of Recker & Brown

480.288.0883 6877 South Kings Ranch Rd, #5 Gold Canyon, AZ 85118 E of 60/South Side Kings Ranch Rd.

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Southern Arizona

First American Title Branch Locator

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NW ater N Pump StatiomnanRd M ou

N Mt

M ou ntain Rd aterm an M ou ntain Rd

Le m

Summerhaven m

N Mt

Le m

aterm an

Catalina

N Mt

Rd ge

S er b W Silv

Rd ge

C LE

a d Ranch R d

S Wilmot Rd

SdSwan Rd S Wilmot R

S HOUGHTON RD S HOUGHTON RD

Lo ve

S HOUGHTON RD S KOLBRD S HOUGHTON RD d Lo ve RD S HOUGHTON t t a Rd S HOUGHTON RD

S KOLB RD

N Bea r Canyon Rd

N SWAN RD

S HOUGHTON N RD N SWARD S HOUGHTON RD

a d Ranch R S Swan Rd S H OUGHTON RD d l a d Ranch R d

S WilOmw ot Rd

S Cattle Tank Rd

Ow l

S M S OLD N OGALE S LA CANADA D S H WY R 80 I-19 ISS S NOGALES HW IO Y S M S ONLDRDNSOLGAAC LEASNADA DR 80 I-19 H WY ISS S N O G A L I ES HW Y O S Pecan Rd S M S OLD N OGALNERD S H WY ISS S NOGALES HW ION N Trico Rd Y S Pecan Rd RD

S HOUGHTON RD

ell R

S Swan Rd

S Brady Pump R

S Brady Pump R 95

S Brady 95 Pump R

SANDARIO RD S La PalmaNRd

W SANDARIO RD SRd tellar arsNS SSMSU HHWY INSE BLVD S PICACHO S Sandario Rd MIS W SIO RD S SANDARIO NR S PICACHO HWY S D S Sandario Rd W MIS SIO NR S PICACHO HWY SM D ISS ION RD S LA CANADA DR 80 I-19

h Rd W Gar c ia Ranc

S Henness Rd S Shaw Rd S SUNLAND GIN RD S Garvey Rd S LaSmHenness b Rd Rd

S Henness Rd

Oracle Junction Saddlebrooke

N Calle Rinconado

irre Rd

S Garvey Rd

N F- 3

Vail

N Calle Rinconado

I-10

S Shaw Rd S Garvey Rd S Shaw Rd S Garvey Rd

N F- 3

424

I-10

irre Rd

S Shaw Rd

d sR

S Sunland Gin Rd

d sR

ing S pr

d sR

w Willo

ing S pr

Oracle

Vail

Corona de Tucson Corona de Tucson AIN OFFICE 5 CASAS ADOBES 9 ORO VALLEY/ORACLE Sahuarita Sahuarita Corona de Tucson Sahuarita 8 Marana 7 7 ROADWAY 286 6 FOOTHILLS 1 M AIN OFFICE 5 C ASAS ADOBES 9 ORillito RO VALLEY/ORACLE 10 HOUGHTON ROAD 7

w Willo

N Calle Rinconado

424

w Willo

N Calle Rinconado

S Lamb Rd

Tanque 12 1TanqueVerde Verde Tanque Verde

Littletown 10 Littletown 10 Littletown

Summit Summit Summit

Red Rock

irre Rd

er S Sierrita Mountain W Silv Rd

S Sierrita Mountain Rd

S Night Sky St

2 Tucson Tucson Tucson

424

Three Points Three Points 86 Three Points

S Sierrita Mountain Rd W Silv e r b

S Night Sky St

S Shaw Rd S Garvey Rd

S Sierrita Mountain Rd

S Night Sky St

Picacho

112

N SOLDIER TRL S FREEMAN RD L S OLD SPA NISH T R

Eloy

N SOLDIER TRL S FREEMAN RD L S OLD SPA NISH T R N SOLDIER TRL S FREEMAN RD L S OLD SPA NISH T R

Arizona City

Toltec

BE ER ILV

S Trekell Rd

S CHUICHU RD S Trekell Rd

Chuichu

S Shaw Rd

Rd an RDW El Camino Del C J E SUNRISE DR uin W Se EoaSelma ppaRHdwy Bolm Fre W Rudasill Rd qu W AHwy em RpdR d Y e r p o E SNYDER RD W i 8 Manville Rd E B IRVINGYTO N RDerro E Hanna Hma F RIVE n RdW Rd E Conrn W Cor anSRd nmW W MANVILLE ill Rd Air Force nyder HRD el C E SNYDER RD WinnoRD R RD AJO Rd WEElCOoCam I - 8W Hma WC nm ann Hor a aRndRd E PRINCE RD d Eld Camino Del C erro ill Rd W IRVIN Air Force J T rn k Rd W SnyderWHRD ParMANVILLE WW W 8 E RIV I - 8W Manville Rd E Hanna Rd AW W Fort LERdNDCIAGRD VOAW N W EGHanna E R RD E RI W Littletown 87 8 N I V R I Rd T W Hanna Rd L owEeAllricRadRd E PRINCE RD O p D V N Rd E VALENCIA RD ee I NDN LENCIA RD W Park Rd 10 E R RD W nnaVA RdLENCIA R WdHaW n Valley Rd Fort L owToltec W VAEY R T RD RD EIroG RAENPRINCE llricR eW W ED rk Rd 87 PaaR AW E86 D W VALENCIA RD or d EN I addDRNd E Houser E VALENCIA RD eep Littletown 10 WAFVW Rd L omWIDE W Houser Rd wC TUCSON 87 EaenIAA nWVR alA leyNR E Fairmount St sllric RRN EEN Z-A8LtHer Littletown D Td RD RD EIreopG Y CIA Toltec W Hermans Rd 86 W MILE I E VALENCIA RD R 10 R D L A V W E N Y e INT'L 4 D NEY n Valley IroG RDY BLVD TSt ANDRd W BATTAGLIA DR W Houser Rd HW TUCSON EE ns Rd RD E Houser Rd RD a86 ZW EFairmount SPREE WA W SAIRPORT PEEDWAY BLVDE D WAMILE d AJO W Hermans RW -84HermWIDE INT'L TUCSON WHHouser WY Rd E Fairmount St ans Rd RD E Houser Rd m Eloy ZW WWOBATTAGLIA WAMILE WIDE Rd DR -84Her E10 SPEEDWAY BLVD W SAIRPORT PEEDWAYINT'L BLVD Y J HermansW BATTAGLIA Arizona City A W DR Chuichu H 86 W Three Points K I 19 E Milligan Rd Eloy E SPEEDWAY BLVDE 22ND ST W SAIRPORT PEEDWAY BL10 VD JO Summit A N Arizona City W NE Vail E 22ND ST nch Rd E Milligan Rd 10 E 22ND ST Chuichu 86 E Milligan Rd San K 19 Three Points W Phillips Rd Y Summit d Ra IN Picacho St Vail 86 W GuyWThree E Milligan Rd E 22ND ST h R ff E 22ND ST K IR19 E MillJiogaaqn RN dE Sa D Phillips RdPoints nc G o Summit d Y u NN Picacho W Guy St Ra BopnpJRo d Vail E Milligan Rd E 22ND ST hR Sain R RD E v a lyn Rd aq Y yard Rd off E W Phillips Rd nc W G d n Y H R W Guy St Ra pp RRd O BEoNutt n10 iRll Rd Joa Air Force f Wd SnyderuiH J f E v a lyn Rd D q WHAWY Go ush Rd E Nutt Rd ppPima odW Rd d Mine RdJuO i B D R N MO R A H E n R l l i H r e d y Air Force n S G W N I V R I W T d E v a lyn Rd O 10 A R W Bayard R HWY N RD Will Rd dW IRVINJO RDRD ON N WH E Nutt Rd ARMO EAHRM er H10 Air Force nydRd d W SMine W ParkWRPima D A RD AWGVTAOLNEN RCI W Bush Rd Rd W HARMON RD Hotts E W Dark Rd Chief Bu W IRVINGTO N RD W Pima Mine Rd W Pretzer Rd E HARMONWRP tte E VALENCIA RD D VALENCIA RD W VALENCIA RW Hotts ER N RD MORd W HA Rd de TucsonRD RK LINK DRChief Butte W Pretzer Rd 86 R kAE PECAIK LrM HE WWW PaV E SAHUARITA RD Corona E Ellis Rd ERVALENCIA A RRDD LTdEN D A CI N R E A L A V W E Hotts Rd D PINK Rd Corona de Tucson Chief Bu TUCSON AH U L AR D I TA 86 S R R D K A E P L M E T HE W d R s i l l E E E Sahuarita d s R n a m Her W W Pretzer Rd K RE VALENCIA RD ans Rd REYSERVOIR RD W HerEmGREENE tte A R D A I C EN L A V W P INT'L TUCSON Rd s Rduttes Rd K RD Sahuarita 77 de Tucson RK LINK DR ve StaHer r Dr mWanHE IR RRd SE HRWEVO UARITA RD Corona s RRduby W ans Rd REO E SAH W HerEmGREENE EDElliW Curtis W Twsi nRLdBMET PEA S 286 INT'L AIRPORT PA Sa AWJEYCurtis Rd W Ruby Star Dr Do 77 tte W Hermans Rd t Oracle u H TUCSON W r n B Sahuarita W A e e 10 RDTEwinBAUnM e Rd 7 S amGaAx R RD inNER ans Rd REYSERVOIR W AIRPORT WJOHerEmGREENE 286 ovDes MT EtaNRoitna Rd R S A D WB ant Oracle77 a d WdAn INT'L W uil d ert E 10 RdR 7 eE WR M txaR cgee R anEchB rMDT RinDButtes R inrN ritten 86 Ro HWWEMCurtis EaNRoitna Rd S Rd 19 RSG r E D es e Rd ARUubaymGSaA D w T O W Ranc k a v c d a l o l AIRPORT J d i 286W Brit d o Red Rock Rd San Ro R u E Her m ten RaW86 rt D Aries Drh R d 8 SG 19EtaNRonaaRd d W AW Mcgee R anch RdRRock eE E BWAAUnM amGaAx R TinN nc lock D MRed ese 7RD E Hem ita W Aries DWrh BR d ld R ED 8 Rd W Guy St cg ch Rd Oracle Junction Gui d r it t e n Ro r R S W M e e R an D Ranc W Guy St k a d d ine Hemleoc d n Oracle Junction Saddlebrooke Green Valley H L E co R W Aries Drh R d 8 S Mcge e R a e R as e dSas n W Bayard Rd d H Lin G ContineGreen Ra co ER Continental ge eGuy S McW ntal Ave Valley Saddlebrooke ia R d as St Sas E G W Bayard Rd d R RHel v e Continental Ave Continental dwin Rd E a E i d e n n S i Rd R W Bush Green Valley H lv N APima S Mcge e R a sco sL E Grand Valley Dr gu Mine Rd E Edwin Rd W S He d Bayard Rd Catalina E Sa Ga W Bush RW d Continental Ave N APima E Grand Valley Dr gu Continental ia R Mine Rd W Catalina lv e H E Edwin Rd S Bush Rd W N APima E Grand Valley Dr N OFFICE 5 CASAS ADOBES 9 ORO VALLEY/ORACLE gu Mine Rd W WS N Dove Mount ilver 9 ORO VALLEY/ORACLE OFFICE ADOBES a in Bl 77 WS 85.1600 | Fax 520.885.2309 5 CASAS 520.575.1900 | Fax 520.432.0168 520.297.2576 / 520.219.6451 bell N Dove Mount ilver R 520.297.2576 a in Bl 10 77 AH U ARITA RD D S R K A E P L M E T HE W 600 | Fax 520.885.2309 520.575.1900 | Fax 520.432.0168 / 520.219.6451 b E e ll R E. Tanque Verde Road 6760 N. Oracle Road, Suite 100B Fax 520.229.9210 | 520.742.5866 10 AH U AR D I TA S R R D K A E P L M E T HE W d E R To p W W MOORE RD anque 6760Tucson, N. Oracle | 520.742.5866 N Dove Mount gged Silv Fax 520.229.9210 on, AZ Verde 85715 Road AZRoad, 85704Suite 100B 8500 N. Oracle Rd., Suite 100 Summerhaven a ORE RD 8 Marana d TRoap Rd W MO 77 erbe W El520.297.2576 Tiro Rd e520.432.0168 0.885.1600 | Fax 520.885.2309 Tucson, AZ 520.575.1900 | Fax 520.219.6451 d / 100 AZ 85715 85704 8500 N. Oracle Rd., Suite R in Bl agg W Summerhaven Marana Valley, 85704 tteTs R W RullbRyWSEltOro WR r DrRd aTiro ARITANRWDTANGWETRAI NNEGERDI NE RD8 SAHS U10 K RD| 520.742.5866 A E P L M E HE W uAZ E d B R n i s 90 E. Tanque Verde Road 6760 N. Oracle Road, Suite 100B Fax 520.229.9210 w T W tte 85704 W Ruby pSRtOro OADWAY Fro adr Dr Valley,BuAZ 286 6 FOOTHILLS W NARANJA DR Rillito S D N o T on R W MOORE W Twi nW8500 nta S 100 antFr ed DWAY Anam N. iOracle W NARANJA DR H wy cson, AZ| 85715 Tucson, AZ 85704 Rd., Suite agg Rillito S an ne RdROAD a oRnt on 47.1644 Fax 286 520.747.1403 6 FOOTHILLS 10WHOUGHTON 520.299.4606 | eFax 9 A W Ela Tiro x dMRd WR ll Rd 520.577.6993 H wy iata ta R d W TANGERI NE RD W B520.299.4606 | eFax 520.577.6993 R ineValley, A OR 644 | Fax 520.747.1403 10 HOUGHTON ROAD d uAbnyam s R M 9 e a R R t R x Oro AZ 85704 h t W R r S D r t a c c g l u 520.901.1720 E. Broadway Blvd., Suite 130 ita ritten 6262 N Swan Ro l Rd Road, Suite 205W M ee Rdan d Oro Valley WB O B 520.618.7790 | Fax N Willow Canyon n i w T W R S W R h a ancSwan Road, Suite 205 McgAv c roadway Blvd., Suite 130 ritten 6262 N RoFro d Oro Valley W NARANJA DR d | Fax 520.901.1720 Willow Canyon h R d AZ 85718 Wra eeraRVanlley Rd 520.618.7790 on on, AZ 85716 W Av Ranc Tucson, ad nta W W TWIN PEAKS RSDanta 8280 S.Houghton #130 A m Valley Rd H wy h R AZ A AZ 85716 0.747.1644 | Fax 520.747.1403 Tucson, 85718 520.299.4606 | eFax a x Mine RdW TWIN PEAKS RD S.Houghtonna#130 Rita Cortaro ll Rd 520.577.6993 8280 Tucson, WB d OR W Emigh Rd AZ 520.432.0168 85747 d| Fax R R Cortaro h 520.885.1600 | Fax 520.885.2309 520.575.1900 520.297.2576 / 520.219.6451 520.202.2626 | Fax 520.495.6151 c c g 77 E. Broadway Blvd., Suite 130 r R ee R an AZ M Tucson, d Swan Road, Suite 205 itten 6262 NVALLEY MBRIC W|Emigh 85747 7 GREEN 520.618.7790 FaxRd520.901.1720 oa W W R a Av nVALLEY RIC ra Valley R d 7 GREEN cRoad n h R d AZ 11 d SKYLINE cson, AZ| 85716 6390 E. Tanque Verde Road, Suite 100B | 520.742.5866 7479 E. Tanque Verde Tucson, 85718 77.8707 Fax 520.529.5034 Casas 520.625.1095 | Fax 520.958.9663 KS RD TWINFax 8280 S.Houghton #130PictureWRocks R a 6760 N. 11Oracle PEA520.229.9210

I - 8W

ilmot Rd

ilmot Rd S Swan Rd

TUCSON Summit Summit INT'L

AIRPORT

9 Y

S Swan Rd

W Hermans Rd

NR D

W Guy StW Guy St W AJ

W OH

ndario Rd

S SandariSo R Mdarstellar Rd

86 ThreeThree s Rd HermanPoints WPoints Y

S HOUGHTON RD HOUGHTON RD

S HOUGHTON RD S HOUGHTON RD S KOLB RD S HOUGHTON RD S HOUGHTON RD

S KOLB RD

N Bea r Canyon Rd

N SWAN RD

S KOLB RD

S SANDARIO RD

S Marstellar Rd anch Rd W Gar c ia RS SANDARIO RD S Sandario Rd S Marstellar Rd W

N SWAN RD

N Trico Rd

h Rd W Gar c ia Ranc

BIA-3

N SWAN RD et

N Trico Rd

N ANWAY RD

S OLD

N ANWAY RD

N Pump Station Rd

N Trico Rd

N ANWAY RD

BIA-3

a Cunningham Alison Team, E. Tanque Verde unningham andand Alison MillsMills Team, 74797479 E. Tanque Verde Rd. Rd. AZ 85715 85715

N SOLDIER TRL S FREEMAN RD L S OLD SPA NISH T R

W an Jo W IRVINWGETIRYVRINGTO N RD O NDRD aq

uin 520.877.9200 | Fax 520.202.6348W Park RWd Park Rd Bopp R d CIA RD N EW VAALHR DY WRVd ALEWNCI Littletown ll IRAd RD Air Force nyder HiC W E VALENCIA RDLittletown WSVALEN AJO E VALENCIA RD 10 10 R D A I C EN L A V W 11165 N. La Canada Dr., Suite 143 W W IRVINGTO N RD 86 86 TUCSON mans Rd Oro Valley, AZ W85737 Her W TUCSON d R s n d s R n a m Her W a m r e H W d R k r a P W d Hermans R Y WY RD INT'L W VALENCIAINT'L HW JO H Littletown AIRPORT AIRPORT E VALENCIA RD W VALENCIA RD AJO A

N SOLDIER TRL S FREEMAN RD L S OLD SPA NISH T R

8 O RO VALLEY/LA CANADA

N SOLDIER TRL S FREEMAN RD L S OLD SPA NISH T R

BE ER ILVD R LL

N 1ST AVE

424

BE ER ILV

Schuchk

424

Rd ge 4

4 -3

520.426.4600 | Fax 520.426.4699 442 W. Kortsen Rd. Suite 101 Schuchk Schuchk Casa Grande, AZ 85122

SECURITY AGENCY ECURITY AGENCY

N Trico Rd

4 -3

4 C ASA GRANDE BIA

9 12 TANQUE VERDE Oro Valley Willow Canyon Green Valley Picture Rocks S Mcagne e 6 11 Green Valley 707 | Fax 520.529.5034 Casas 520.625.1095 | Fax 520.958.9663 R 11 SKYLINE e g Mc C S W P I e T W INA RD Cortaro 6 U d R r e k c u T W R d E. River Road, Suite 200 D E Adobes 190 W. Continental Rd., Suite 226 R Rd R O C AZ 85747 Tucson, AZ 85715 8500 Rd., Suite 100 Tucson, AZ 85715 | Fax 520.529.8998 K S R N. Oracle W PICContinental TUW r RdTucson, cke85704 Tu520.529.0506 WAZ REEmigh d ia iver Road, Suite 200 190 W. Rd., Suite 226 Tucson, AMBRIC R O C K S RD W INA RD Continental NAdobes 520.529.0506 | Fax 520.529.8998 7 Continental GREEN VALLEY ia RHel v3 on, AZ 85718 Green Valley, AZ 85622 N AZ S85704 2890 E. Skyline Drive, Suite 200 W Picture E SUNRISE DR Valley, AZ 85718 l v3S77 AZ 85622| Fax 520.958.9663 RdOro S Rocks an 2890 E. Green Valley 0.577.8707 | Fax 520.529.5034 Green Valley, Skyline Drive, Suite 200 W Rudasill RRudasill 77 NRISE DR 6 520.625.1095 E SU11 HeCasas R 11 SKYLINE e g Mc S e S d Tucson, AZ 85718 2 B ROADWAY 6 FOOTHILLS E SNYDER RD 5 W PICTUREW El Camino RDD RD rro INA RD 5 Adobes leWRdTucker RdW MANVILLE vil85718 an520.529.0506 d SA GRANDE 40 E. River Road, Suite 200 8 ORO el C eW W MAZ 190VALLEY/LA W. ContinentalCANADA Rd., Suite 226Tucson, E SNYDER RD RO C S Continental | Fax MANVILLE RD 520.529.8998 ia R E R GRANDE erro 8 ORO VALLEY/LA CANADA 12 W Manville Rd | FaxW520.577.6993 W El Cam ino DeCl K 520.747.1644 | Fax 520.747.1403 10 H OUGHTON ROAD N 520.299.4606 IVE R 12 26.4600 Fax 520.426.4699 cson, AZ| 85718 520.877.9200 | FaxAZ 520.202.6348 Green| Fax Valley, 85622 S 1 ERD 12 TANQUE VERDE el v3 2890 E. Skyline Drive, Suite 200 R R D 77 SE I R N U S E H R D E PRINCE I 600 | Fax 520.426.4699 V 520.877.9200 520.202.6348 S E R R1D W Rudasill Rd 12 N TANQUE VERDE E PRINCE RD W 205 520.618.7790 | Fax 520.901.1720 3777 Blvd., 130 Dr., Suite 143 Tanque 6262 Swan Road, Suite F520.495.6151 W. Kortsen Rd. Suite 101 E. Broadway ort L owell Rd 11165 N. Suite La Canada 520.202.2626 | oFax Tucson, 85718 WAZ Tanque E SNYDER RD ortsen Rd. Suite 101 11165 La Canada Dr., Suite 143 5 RdMANVILLE RDI N 520.202.2626 d rt L owellW ville RF520.495.6151 M|anFax ASA GRANDE erro#130 8 N.ORO VALLEY/LA CANADA e l W D C o Verde n W El Cam i N Grande, AZ 85122Tucson, AZ 85716Oro E D R I T N Valley, AZ 85737 A E R G 8280 S. Houghton Y Tucson, AZ 85718 N NEY 7479 E. Tanque Verde RD Verde 12 nde, AZ 85122 D R T N Oro Valley, AZ 85737 A E R G E 7479 E. Tanque Verde R IVE R 1 0.426.4600 | Fax 520.426.4699 520.877.9200 | Fax 520.202.6348 E2 Fairmount St 12 TANQUE VERDE W MILE WIDE RD RD R D Tucson, AZ 85715 E PRINCE RD Tucson, AZ 85747 E2 Fairmount St RD AZ 85715 W MILE WIDE Tanque 2 W. Kortsen3 Rd. C Suite 101 ort L owell Rd 11165 N. La Canada Dr., Suite 143Tucson, E SPEEDWAY BLVD W SPEEDWAY 520.202.2626 | FaxW F520.495.6151 AMBRIC 7 G REEN VALLEY E SPEEDWAY BLVD W SPEEDWAY BLVD BLVD IN N Verde asa Grande, AZ 85122 EY R Oro Valley, AZ 85737 E GRANT RD 7479 E. Tanque Verde 520.577.8707 | Fax 520.529.5034 11 S KYLINE TucsonE Fairmount St E 22ND ST DK 520.625.1095 | Fax 520.958.9663 Tucson INN 2 E 22ND ST W MILE WIDE RDS K IN Tucson, AZ 85715 E 22ND ST EY an 520.529.0506 | FaxW 520.529.8998 1840 E. River Road, Suite 200 N 190 W. Continental Rd., Suite 226 Sa SPEEDWAY BLVD E 22ND STE SPEEDWAY BLVD Jo EY BIA nJ RD aq BIA o uin E.RDSkyline Drive, Suite 200 Tucson, AZ 85718 Green Valley, AZ 85622 BoppaRqud2890 in Rd Bopp R d Y Tucson W E 22ND ST K R Y H W JO85718 r Hdill Rd yddeTucson, Air Force HAZ INN r HSilnl R Air Force W SnydeW E 22ND ST SAJO W A

Vail Vail

AZ Buyers Guide | 27

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