Of particular interest to BUYERS

North American Title offers a one-stop utility connection service: http://www.bestpriceconnect.com/WebObjects/HouseholdServices.woa/wa/cm?id=1018976

MSN has a “How much home can I afford” calculator at :
http://realestate.msn.com/buying/tools/HA_Calc.aspx

Chicago Title has a “How much home can I afford” calculator; http://www.chicagotitle.com/pdfs/AmericanDream.pdf

Cornerstone Title has several financial calculators: http://www.cornerstonetitleco.com/cal.htm

School ranking by California “Standardized Testing And Reporting” (STAR) reports: http://star.cde.ca.gov/

California list of schools: http://api.cde.ca.gov/reports/page2.asp?subject=API&level=County&submit1=submit

Of particular interest to SELLERS

New Jersey Appraiser finds that price high and leave room to negotiate doesn’t work; http://www.philly.com/dailynews/features/20071102

RIS Media article about how Buyers are using the Home Inspection to negotiate the home; Home-buyers-get-bolder-inspections-help-boost-demands/

EPA Lead based paint disclosure : http://www.disclosuresource.com/downloads/lead.pdf

Residential Environmental Hazards Booklet: http://www.disclosuresource.com/downloads/environment.pdf

The Homeowner's Guide to Earthquake Safety: http://www.disclosuresource.com/downloads/earthquake.pdf

California Seismic Safety Commission : http://www.seismic.ca.gov

Sellers “to do” list before selling a home: http://www.nat.com/ncalifornia/SiteFeaturePage.asp?Id=409

Information about borrowing money

The Center for responsible lending works on predatory lending issues and consumer credit; http://www.responsiblelending.org/policy/

A good site from the National Mortgage Bankers Association about signs of predatory lending: http://www.stopmortgagefraud.com/signs.htm

A site about Mortgage Fraud showing how many people are getting caught: http://www.mortgagefraudblog.com/

A RIS article by Ralph Roberts about Mortgage Fraud: http://rismedia.com/wp/2007-12-26/when-receiving-cash-back-at-closing-is-legal/

Information on Sonoma County title and escrow

Good dictionary for escrow terms: http://www.clta.titlewizard.com/learning_center/glossary.aspx

CLTA Title Wizard helps you find a competitive title company: http://www.clta.titlewizard.com/default.aspx

Common Ways of Holding Title (CLTA): http://clta.org/for-consumers/consumer-holdingtitle.html

Table showing the Supplemental Tax Proration for a property (CLTA): http://clta.org/for-consumers/consumer-propertytax.html

The link to the: California Franchise Tax Board: http://www.ftb.ca.gov/individuals/index.html#wh.

Buyers Real Estate Withholding Remittance. Cal Form 593: http://www.ftb.ca.gov/forms/05_forms/05_593.pdf

Real Estate Withholding Certificate Cal Form 593-C http://www.ftb.ca.gov/forms/07_forms/07_593c.pdf

Nice copy of Chicago Title “Prelim Title Report” showing what each paragraph in the report means: http://www.chicagotitle.com/pdfs/ThePreliminaryReport.pdf

Comparison of ALTA vs CLTA title policy: http://www.chicagotitle.com/pdfs/CoverageComparison.pdf

First American Title; Some handy property forms: http://www.firstam.com/title-ca/sonoma/html/about/1000.html

Sonoma County main gateway : http://www.sonoma-county.org/sites/index.htm

More legal documents (Cornerstone title): http://www.cornerstonetitleco.com/resources.htm

NORTH AMERICAN TITLE Table of California recording fees: http://www.nat.com/ncalifornia/SiteFeaturePage.asp?Id=68

NORTH AMERICAN TITLE table of County and City transfer fees: http://www.nat.com/ncalifornia/SiteFeaturePage.asp?Id=69

NORTH AMERICAN TITLE link to description of ways to hold title: http://www.nat.com/ncalifornia/SiteFeaturePage.asp?Id=20

NORTH AMERICAN TITLE link for the chart showing title vesting: http://www.nat.com/ncalifornia/SiteFeaturePage.asp?Id=116

North Bay Title on-line property docs: https://www.stewartaffiliates.com/servlet/ViewSiteServlet?OfficeId=882&CategoryId=15711

Professional articles on title insurance: https://www.agentxtra.net/extranet/SingleSource/NavMaster.asp?TopicArea=Articles

Professional articles on title underwriting: https://www.agentxtra.net/extranet/SingleSource/NavMaster.asp?TopicArea=Underwriting