PTC Rate Quote + Android User Manual
Contents
1. Possible Appreciation Enter the Current Rent Enter the Sales Price Enter the Loan Amount Enter the increment to be multiplied by the sales price for the Hazard Insurance up Enter the increment to be multiplied by the sales price for the Annual Taxes up Enter the Interest Rate Will pre load if set up in Set up area Tap the Years to choose a value other than 30 If needed change the Income Tax Rate a default of 28 will auto populate This is pre loaded from set This is pre loaded from set Enter the HOA Fee amount and tap the Frequency box to change how often they are paid If needed change the Appreciation Rate When finished tap Compute Training Manual for PTC Quote 3 12 Rev Page 25 Verizon 3PM 2 BIC Erpress Rent vs Buy Results Current Rent 1 500 00 Sales Price 280 000 00 Down Payment 45 000 00 Avg Annual Interest 7 305 04 Annual Tax Savings 4 728 63 Monthly PITI 1 634 86 Adj PITI Incl Tx Svgs 1 240 81 Current Rent 1 500 00 Adj Monthly Diff 259 19 lf the property appreciates at 3 for 30 years the value of the property will be approximately 679 633 49 The results page will show you a breakdown of all the applicable factors as well as the monthly difference To Email the results tap the Email button at the bottom of the page Training Manual for PTC Quote 3 12 Rev Page 26 4 06 PM RATE QUOTES My Payment2. V An added feature is the ability to add the Buyer and Seller repetitive costs so that you are not entering them each time These reoccurring fees may include such things as the home warranty hazard disclosure etc Choose the type of loan you would like to save fees for Training Manual for PTC Quote 3 12 Rev Page 46 Verizon 3G PM EISEvpress RATE QUOTES Buyer Settings Item amount C C C ower e Co C C m Settings Type in each item you would like to have defaulted into your Buyer s Net Sheets and the corresponding charge for each item Some items will be pre loaded for you Training Manual for PTC Quote 3 12 Rev Page 47 m BIC Epress RATE QUOTES Seller Settings Item amount C C C Ce ower e CS CLL Ce Petey o Type in each item you would like to have defaulted into your Seller s Net Sheets and the corresponding charge for each item Some items will be pre loaded for you Training Manual for PTC Quote 3 12 Rev Page 48 je Verizon 3G PM EIS Evpress RATE QUOTES In order to receive quotes based upon current rates it is necessary for Licensee to download any updates when available Failure to do so may result in the quotes received being inaccurate negating the assurances being provided herein The quotes provided within this application are limited to transactions involving improved 1 4 family residential property The quotes made available thr
3. Chimney Repairs BIS Evpress RATE QUOTES 1 235 00 Seller 994 00 Seller 349 80 Seller 40 00 13 00 40 00 330 00 90 00 125 00 9 532 41 9 532 41 150 00 135 00 1 500 00 This screen will show you a breakdown of all the closing costs when you are finished reviewing the costs tap Close Training Manual for PTC Quote 3 12 Rev Page 16 12 59 PM Not Charging gt RATE QUOTES Results History 4777 Copperfiel 3 1 1 58 40 4777 Copperfiel 3 1 1 54 36 The Results History area will allow you to access any prior Net Sheets and or I Want to Net results that you have done in the past They will be listed with the newest results at the top and will be saved for 60 days Training Manual for PTC Quote 3 12 Rev Page 17 BIC Evpress RATE QUOTES My Payment a Pre Qualify a Net Sheet Results History Now let s work on the Buy area of the App Let s start with a Buyer s Net Sheet Training Manual for PTC Quote 3 12 Rev Page 18 1 03 PM Not Charging gt RATE QUOTES Loan Type Conventional FHA VA You will first need to choose the type of new loan for this file Training Manual for PTC Quote 3 12 Rev Page 19 Not Charging S py ESIC fveress Buy Net Sheet Address 4777 Copperfield City Alameda Zip County Alameda County Short Sale om City Limits on Enter the Property
4. Estimated PITI Interest Rate Insurance Rate Years Property Tax Rate 1 25 Loan Type Conventional Compute Enter the Estimated or requested payment a total of Principal Interest Taxes and Insurance Enter the Interest Rate If needed change the Insurance Rate This is pre loaded from set up Tap the Years to choose a value other than 30 If needed change the Property Tax Rate This is pre loaded from set up Tap the Loan Type box to choose the type of loan When finished tap Compute Training Manual for PTC Quote 3 12 Rev Page 27 Loan type Total Monthly Payment Interest Rate Property Tax Rate Insurance Rate Years With 0 Down With 5 Down With 10 Down With 15 Down With 20 Down With 25 Down BIC Erpress Conventional 1 600 00 3 75 1 25 0 35 30 Approximate House Price 238 500 00 L 238 500 00 252 000 00 L 239 500 00 272 000 00 L 244 500 00 291 500 00 L 248 000 00 318 000 00 L 254 500 00 333 000 00 L 250 000 00 The results page will show you a breakdown of all the applicable factors as well as the approximate house price per down payment amount To Email the results tap the Emai button at the bottom of the page Training Manual for PTC Quote 3 12 Rev Page 28 EIS Evpress RATE QUOTES Loan type FHA Total Monthly Payment 1 600 00 Interest Rate 3 75 Property Tax
5. Preferred County Bl tin R EIC fypress RATE QUOTES Contact Info Betsy Ross 916 677 1234 Outstanding Real Estate Company Bross orec com Roseville Carlie Pardue Placer County Settings The contact info area is for your personal contact information as well as choosing your default escrow office marketing representative and preferred county Training Manual for PTC Quote 3 12 Rev Page 41 RATE QUOTES General Setup R E Commission Origination Fee Insurance Rate Interest Rate Years Down Property Tax Rate o M g Income Tax Rate Max VA Max FHA Pt Settings The general setup area allows you to specify the defaults that you want to pull into each area of this app All of these fields will be pre loaded for you Any updates will automatically overwrite any changes you may have made to them Training Manual for PTC Quote 3 12 Rev Page 42 BlcsZvpress RATE QUOTES PMI Settings 15 19 99 10 14 99 9 9 99 4 99 or less N 15 19 99 10 14 99 9 9 99 O N 4 99 or less Save lf a buyer puts less than 20 down on a home loan they must pay a monthly Private Mortgage Insurance PMI payment This is calculated by taking the loan amount and multiplying it by the PMI rate PMI is paid until the loan holders have 20 equity in their home PlacerTitle App uses standard national PMI rate but allows fro users to
6. Annual Taxes Compute Select your Closing Date The closing date is pre set to 30 days from Today s Date Enter the Net Proceeds R E Commission Enter the Total Commission If the number is below 100 then it will be calculated as a percentage otherwise it will be considered an amount Repairs Enter the amount of any repairs To access area to enter additional fees select Other Fees See instructions below Enter Annual Taxes Tax proration will auto calculate based on the amount entered here Payoff 1 Enter the principal balance Payoff 1 Rate Enter the interest rate of payoff 1 Repeat for 2 payoff if applicable When finished tap Compute Training Manual for PTC Quote 3 12 Rev Page 12 oroiz p 12 18 A HE 90 Buy Quick Rate Offices Settings RATE QUOTES Other Fees Listing Broker Fee Selling Broker Fee Other Fee Other Fee Other Fee Other Fee Save This area will allow you to break down the total R E Commission and also to add any additional fees Enter the Listing Broker Fee If the number is below 100 then it will be calculated as a percentage otherwise it will be considered an amount This information auto preloads from set up Enter the Selling Broker Fee If the number is below 100 then it will be calculated as a percentage otherwise it will be considered an amount This information auto preloads from set up To add Additional Fees First type a descripti
7. amp Escrow closing costs associated with a particular Sales Price and Loan Amount This is an abbreviated version of the Net Sheets Enter the Sales Price Enter the Loan Amount Enter the Property Address City and Zip The City amp County are the only required fields Select the Property County The app will default in your default County but it can be changed Short Sale If your transaction is a short sale turn on the short sale feature Cash If this is a cash transaction no financing for the buyer then turn on the Cash feature City Limits If your property lies within the City limits or you are not sure go ahead and turn on this feature The City transfer taxes for all of California are included Tap Compute Training Manual for PTC Quote 3 12 Rev Page 37 EIS Epress RATE QUOTES ES Fick Rate Results Address Sales Price Loan Amount Owners Title Policy Lenders Policy Endorsements Escrow Fee Notary Fees Courier Overnight Recording Fees County Transfer Tax Total Fees 4777 Copperfield Cr Granite Bay 95746 California 314 000 00 235 000 00 1 235 00 Seller 459 00 Buyer 25 00 Buyer 994 00 Seller 40 00 80 00 40S 80B 40 00 40 00 40S 40B 13 00 20 00 13S 20B 345 40 Seller 3 151 40 The Results Page will give you a breakdown of the fees associated with the information given You can email this rate quote by tapping the Email button This inform
8. Address City and Zip The City amp County are the only required fields Select the Property County The app will default in your default County but it can be changed Short Sale If your transaction is a short sale turn on the short sale feature City Limits If your property lies within the City limits or you are not sure go ahead and turn on this feature The City transfer taxes for all of California are included Tap Next Training Manual for PTC Quote 3 12 Rev Page 20 a Verizon 3G OPM 22 BIC Epress RATE QUOTES Buy Conventional Closing Date Sales Price Down Payment Dollar Amount or Percen Interest Rate Amort Years Hazard Insurance Annual Taxes Discount Points w Q an q Other Fees 3 750 00 Edit Other Fees HOA Fees HOA Frequency Select your Closing Date The closing date is pre set to 30 days from Today s Date Enter the Sales Price Enter the Down Payment Amount If the number is 101 or above then it is considered a dollar amount otherwise it is considered a percentage Enter the Interest Rate Tap the Amort Years to choose a value other than 30 Enter the increment to be multiplied by the sales price for the Hazard Insurance This is pre loaded from set up Enter the increment to be multiplied by the sales price for the Annual Taxes This is pre loaded from setup Enter the number of Discount Points If the number is below 100 then it is consi
9. A FY val Buy uick Rate Offices Settings Buy Quick Rate Offices Settin DS li ENS ress EIC Erpress RATE QUOTES RATE QUOTES R wi LN PEE SHEE RESUS nn Closing Date 9 1 2012 Payoff 1 123 456 00 123 Main Roseville payoff 1 Interest 541 18 Adara California 95678 y Sales Price 235 000 00 Prorated Tax 583 33 Annual Taxes 3 500 00 Net at Close 93 002 49 Closing Costs 17 417 00 View Closing Costs Final Net 93 002 49 Prorated Taxes Cr 0 00 Payoff 1 Interest 541 18 The results page will show you the total closings costs payoff costs taxes and the cash to from the seller at closing To view a breakdown of the Closing Costs click on View Closing Costs To Email the Net Sheet tap the Email button at the bottom of the page Tap Close to go back to the Sell Main menu Your Results will be saved in the Results History section of the main Sell page Training Manual for PTC Quote 3 12 Rev Page 9 aog m 12 18 A EHE gv amp Buy Quick Rate Offices Settings Title Escrow Fee County Transfer Tax NOTARY FEES RECORDING FEES OVERNIGHT FEES Listing Broker Fee Selling Broker Fee Repairs RATE QUOTES 1 021 00 Seller 444 50 50 50 258 50 Seller 40 00 13 00 40 00 7 050 00 7 050 00 1 500 00 This screen will show you a breakdown of all the closing costs when you are finished reviewing the costs tap Close Training Manu
10. PLACER TITLE EXPRESS RATE QUOTE USER MANUAL for DROID aog PTC Quote PIC Express RATE QUOTES Congratulations on downloading the Placer Title Express Rate Quote app Please take a few moments to review the User Manual that will be useful in registering setting up and learning about the features this app has to offer Training Manual for PTC Quote 3 12 Rev Page 1 Welcome Thank you for downloading PTC Express Rate Quote Please take a minute and personalize the experience with information that will appear when you share quotes through email quotes based upon current rates it download any updates when availabli tin the quotes received being inaccu cle herel Please take a few moments to review the disclaimer regarding how the title and escrow fees are quoted in the app This information will be very useful in understanding how the rates were calculated To start the registration process enter your First Name Last Name your Email Address Phone Company the Escrow Office you generally work with and Preferred County and then click on Save All information you have entered will be included in the Calculated Results Email If you prefer to not enter this information click on Later Congratulations The registration process is now complete Training Manual for PTC Quote 3 12 Rev Page 2 Section Locked To enjoy the full functionality of PTC Express Quote please purchase the upgrad
11. Rate 1 25 Insurance Rate 0 35 Years 30 Approximate House Price With 3 5 Down 216 000 00 L 208 500 00 With 5 Down 219 000 00 L 208 000 00 With 10 Down 229 000 00 L 206 000 00 With 15 Down 239 500 00 L 203 500 00 With 20 Down 251 500 00 L 201 000 00 For an FHA loan it will give an option for 3 5 Down Payment To Email the results tap the Email button at the bottom of the page Training Manual for PTC Quote 3 12 Rev Page 29 a BIS Lvpress RATE QUOTES Ge Pre ouaiy Annual Salary 80000 Monthly Debts Conventional Debt Enter the Annual Salary For each Monthly Debt Type the Amount in the white box Tap the Choose Type bar to choose the type of Debt Training Manual for PTC Quote 3 12 Rev Page 30 m Verizon 3G BPM EIS Evpress RATE QUOTES Back Pre Qualify Debt Ratios Conventional Debt FHA Debt VA Debt The Debt Ratios will auto fill but can be changed as needed Check with your local lender to verify the debt ratios are accurate for your area When finished tap Compute Training Manual for PTC Quote 3 12 Rev Page 31 Annual Salary Monthly Debts PITI PITI plus debt PITI PITI plus debt PITI PITI plus debt l Use VA Loan RATE QUOTES ify Results 80 000 00 800 00 Conventional 1 600 00 2 400 00 FHA Loan 1 933 33 2 733 33 VA Loan 1 933 33 2 733 33 The r
12. TE QUOTES Net Sheet Address 123 Main City Roseville Zip 95678 County Placer County Y Short Sale Cash City Limits FHA Payoff Enter the Property Address City and Zip The City amp County are the only required fields Select the Property County The app will default in your default county but it can be changed Short Sale If your transaction is a short sale turn on the short sale feature Cash If this is a cash transaction no financing for the buyer then turn on the Cash feature City Limits If your property lies within the City limits or you are not sure go ahead and turn on this feature The City transfer taxes for all of California are included FHA Payoff If you have an FHA payoff turn on this feature Tap Next Training Manual for PTC Quote 3 12 Rev Page 6 aog m 12 17 y aoe B Ca R A HE 90 amp Buy Quick Rate Offices Settings Quick Rate Offices Settings DZ EIC ZYpress EAP ress RATE QUOTES Net Sheet Net Sheet i 14 100 00 s SCD i 01 2012 Other Fees Annual Taxes 3500 Sales Price 235000 Payoff 1 123456 R E Commission man Payoff 1 Rate Repairs 1500 Payoff 2 Other 14 100 00 Payoff 2 Rate Other Fees Compute Select your Closing Date The closing date is pre set to 30 days from Today s Date Enter the Sales Price R E Commission Enter the Total Commission If the number is below 100 then it will be calculated as a p
13. al for PTC Quote 3 12 Rev Page 10 aog m 12 20 A EHE 90 Buy Quick Rate Offices Settings RATE QUOTES I Want to Net Address 123 Main Zip 95678 County Placer County F Short Sale Cash City Limits FHA Payoff BES SB p This area will allow you to calculate what the sales price should be in order for the seller to net a specific amount Enter the Property Address City and Zip The City amp County are the only required fields Select the Property County The app will default in your default county but it can be changed Short Sale If your transaction is a short sale turn on the short sale feature Cash If this is a cash transaction no financing for the buyer then turn on the Cash feature City Limits If your property lies within the City limits or you are not sure go ahead and turn on this feature The City transfer taxes for all of California are included FHA Payoff If you have an FHA payoff turn on this feature Tap Next Training Manual for PTC Quote 3 12 Rev Page 11 Q ao 12 20 Q ore 12 20 f amp 9 RHA YY E e Buy Quick Rate Offices Settings Buy Quick Rate Offices Settings DON DCNS EIC ZYpress EIC Erpress RATE QUOTES RATE QUOTES I Want to Net I Want to Net s Sep i 01 2012 E Other Fees Annual Taxes 3500 Net Proceeds 50000 Payoff 1 123456 R E Commission Payoff 1 Rate Repairs 1500 Payoff 2 Other Fees Payoff 2 Rate
14. as the approximate house price per down payment percentage To Email the results tap the Email button at the bottom of the page Training Manual for PTC Quote 3 12 Rev Page 34 je Verizon 3G OPM BIC Epress RATE QUOTES Pre R ic i Loan type FHA Total Monthly Payment 1 933 33 Interest Rate Property Tax Rate Insurance Rate Years 30 Approximate House Price With 3 5 Down 238 500 00 L 230 000 00 With 5 Down 241 500 00 L 229 500 00 With 10 Down 252 500 00 L 227 500 00 With 15 Down 264 500 00 L 225 000 00 With 20 Down 278 000 00 L 222 500 00 For an FHA loan it will give an option for 3 5 Down payment To Email the results tap Email button at the bottom of the page Training Manual for PTC Quote 3 12 Rev Page 35 a Verizon 3G 4 09 PM RATE QUOTES Results History 4777 Copperfiel 3 1 5 4 57 The Results History area will allow you to access any prior Net Sheets that you have done in the past They will be listed with the newest results at the top and will be saved for 60 days Training Manual for PTC Quote 3 12 Rev Page 36 Verizon 3G 2 34 PM DD ESIC EYpress RATE QUOTES Quick Rate Sales Price Loan Amount Address City Zip County Placer County Short Sale Cash F City Limits OFF ea Quick Rate The Quick Rate Option will allow you to get a fast and easy breakdown of the Title
15. ation will not be saved Training Manual for PTC Quote 3 12 Rev Page 38 Choose Office Representative Cell Phone Office Phone Fax Representative Cell Phone Office Phone Fax RATE QUOTES Office Contact Information Curtis Roth 916 768 3394 530 885 7722 530 885 1592 Email croth placertitle com Diane Felt 530 305 9450 530 885 7722 530 885 1592 The office contact information will give you the contact information for each of your local Marketing Representative If you choose Office Map Google Maps will launch and you can get driving directions to the branch If you tap Email an email window will open to send an email to that marketing representative Training Manual for PTC Quote 3 12 Rev Page 39 Pct O BlcsZvpress RATE QUOTES Settings General PMI Settings PrePaids Qualify Ratios Fixed Closing Costs Buyer Seller Disclaimer A r N m Settings Tap each bar to edit the settings The majority of this information is pre loaded for you Any of the information that has been pre loaded will automatically be updated when a new update is made If you have manually changed any of the pre loaded areas then the information will automatically be overwritten with a new update Training Manual for PTC Quote 3 12 Rev Page 40 2 E meal cstate Age Name Phone Company Email Address Escrow Office Choose Rep
16. change these rates PMI rates can change depending _ _ Aa yr Settings The PMI settings allow you change the standard PMI ratios if needed All of these fields will be pre loaded for you Any updates will automatically overwrite any changes you may have made to them Training Manual for PTC Quote 3 12 Rev Page 43 BIO Erpress RATE QUOTES Prepaids Months Prepaid Insur Months Prepaid Inter January February March April May June July August September October November N gt i The Prepaids set up area allows you to change the number of months to collect for prepaid insurance and taxes All of these fields will be pre loaded for you Any updates to the app will automatically overwrite changes you may have made to them Training Manual for PTC Quote 3 12 Rev Page 44 11 36 AM RATE QUOTES Qualify Ratios Conv Debt Ratio FHA Debt Ratio VA Debt Ratio Pt Settings The Qualify Ratios area allows you to change the qualifying ratios for each loan type if needed All of these fields will be pre loaded for you Any app updates will automatically overwrite any changes you may have made to them Check with your local lender to verify the debt ratios are accurate for your area Training Manual for PTC Quote 3 12 Rev Page 45 a Verizon 3G 4 24 PM sat Icy VESS Buyer Settings Buyer s Fixed Closing Cost Selection Conventional FHA
17. dered a percentage otherwise it is considered a dollar amount Tap the Edit Other Fees button to add additional fees See next page for details Enter the HOA Fee s amount and tap the Frequency box to change how often they are paid When finished tap Compute Training Manual for PTC Quote 3 12 Rev Page 21 jx Verizor 9G 8208 PM 2 RATE QUOTES Buy Additional Fees orere orere orere SD Use Prepaids OFF seeeemenien Months Prepaid Taxes PMI OFF This area will allow you to add the origination points any additional fees and calculate the impounds Enter the Origination Points If the number is below 100 then it is considered a percentage otherwise it is considered a dollar amount To add Additional Fees First type a description of the Fee in the left hand column and then the corresponding charge in the right hand column If this loan will have impounds turn on the Use Prepaids This option will automatically turn on if the down payment is below 20 Enter the number of months for each applicable item The number of months will auto populate based on set up If this loan will have Mortgage Insurance turn on the PMI option This option will automatically turn on if the down payment is below 20 Tap Done Training Manual for PTC Quote 3 12 Rev Page 22 Verizon 3G SPM L 72D BIC EYpress RATE QUOTES Sales Price 450 000 00 Loan Amount 360 000 00 Estimated Cash Re
18. e Wee EEE Once the initial set up has been completed you may choose to purchase the full version of the PTC Rate Quote app which will unlock the additional features It is a one time fee of 11 99 to access the full version with features including I want to Net calculator Rent vs Buy calculator My Payment and Pre Qualify options Training Manual for PTC Quote 3 12 Rev Page 3 a Verizon 3G 9 16 PM Renew Subscription Unlock All Features Unlock All Features Unlock Features Later Unlock all the amazing features in this application for the best experience Unlocked features include Want to Net Rent vs Buy My Payment and Pre Qualify To purchase the full version select Unlock All Features and you will be prompted from the app store to process your payment If you choose to proceed with the free version you can unlock the features at a later date Now it s time to get started with your first net sheet Training Manual for PTC Quote 3 12 Rev Page 4 ore inl 11 24 a A AE Buy Quick Rate Offices Settings BIO Express RATE QUOTES Net Sheet I Want To Net Results History Along the top of the app you will see options for Sell Buy and Quick Let s start with a Net Sheet for a Seller Tap Sell and then Net Sheet Training Manual for PTC Quote 3 12 Rev Page 5 Q0 amp p 12 16 A EHE 0 amp Buy Quick Rate Offices Settings RA
19. ercentage otherwise it will be considered an amount Repairs Enter the amount of any repairs To access area to enter additional fees select Other Fees See instructions below Enter Annual Taxes Tax proration will auto calculate based on the amount entered here Payoff 1 Enter the principal balance Payoff 1 Rate Enter the interest rate of payoff 1 Repeat for 2 payoff if applicable When done tap Compute Training Manual for PTC Quote 3 12 Rev Page 7 Q0 amp rr 12 18 A EHE 0 Q Buy Quick Rate Offices Settings EIO Evpress RATE QUOTES Other Fees Listing Broker Fee Selling Broker Fee Other Fee Other Fee Other Fee Other Fee Other Fee Save This area will allow you to break down the total R E Commission and also to add any additional fees Enter the Listing Broker Fee If the number is below 100 then it will be calculated as a percentage otherwise it will be considered an amount This information auto preloads from set up Enter the Selling Broker Fee If the number is below 100 then it will be calculated as a percentage otherwise it will be considered an amount This information auto preloads from set up To add Additional Fees First type a description of the Fee in the left hand column and then the corresponding charge in the right hand column Tap Save Training Manual for PTC Quote 3 12 Rev Page 8 aoe g m 12 18 aoe gy m 12 18 ft ef 9 UO o
20. esults page will show a Payment Amount and a Payment Amount plus Debt for each type of loan Tap the gray box for the loan type of your choosing to see the calculated results Training Manual for PTC Quote 3 12 Rev Page 32 4 09 PM DN ESIC EYpress Pre Qualify Get Price Loan type Conventional Estimated PITI 1600 Interest Rate Insurance Rate Years Property Tax Rate 1 25 The estimated or requested payment a total of Principal Interest Taxes and Insurance will auto fill in for you Enter the Interest Rate Will auto populate from set up If needed change the Insurance Rate This is pre loaded from set up Tap the Years to choose a value other than 30 If needed change the Property Tax Rate This is pre loaded from set up When finished tap Compute Training Manual for PTC Quote 3 12 Rev Page 33 Verizon 3G OPM 8 BIC Evpress RATE QUOTES ify Results Oe Loan type Conventional Total Monthly Payment 1 600 00 Interest Rate Property Tax Rate 1 25 Insurance Rate 0 35 Years 30 Approximate House Price With 0 Down 215 000 00 L 215 000 00 With 5 Down 227 000 00 L 216 000 00 With 10 Down 244 500 00 L 220 000 00 With 15 Down 261 500 00 L 222 500 00 With 20 Down 284 500 00 L 227 500 00 With 25 Down 299 000 00 L 224 000 00 The results page will show you a breakdown of all the applicable factors as well
21. on of the Fee in the left hand column and then the corresponding charge in the right hand column Tap Save Training Manual for PTC Quote 3 12 Rev Page 13 RATE QUOTES Annual Taxes 3 548 00 Closing Costs 24 066 62 View Closing Costs Payoff 1 234 567 00 Payoff 1 Interest 845 98 Payoff 2 10 000 00 Payoff 2 Interest 72 13 Prorated Tax 0 00 Net at Close 49 113 40 Prorated Taxes Cr SAUL Final Net 50 001 00 The results page will show you the total closings costs payoff costs prorated taxes and the Final Net Amount To view a breakdown of the Closing Costs click on View Closing Costs To Email the Net Sheet tap Email button at the bottom of the page Your Results will be saved in the Results History section of the main Sell page Training Manual for PTC Quote 3 12 Rev Page 14 Qa wf E 12 18 a ery nee Buy Quick Rate Offices Settings Closing Date Address Sales Price Annual Taxes Closing Costs Ic Exp Less RATE QUOTES Net Sheet Results 9 1 2012 123 Main Roseville California 95678 235 000 00 3 500 00 17 417 00 View Closing Costs Payoff 1 Payoff 1 Interest 123 456 00 541 18 Training Manual for PTC Quote 3 12 Rev Page 15 Title Escrow Fee County Transfer Tax Notary Fees Recording Fees Courier Fees Homewarranty Hazard Disclosure Report Pest Inspection Listing Broker Fee Selling Broker Fee Roof
22. ough this Calculator are based solely on the information which you have provided to Placer Title Company lf you would like to confirm your rate quote please contact your local Escrow branch Rates and fees are subject to change depending on the coverages and services requested and the accuracy of the data you have provided Additional charges could be assessed when unusual conditions of title are encountered special risks are insured against or special services are requested The Title premium quotes are based on the following to occur 1 The property involved is one to four family residential 2 The owner s title premium was based on issuing a 2010 Homeowners Policy of Title Insurance 3 the Lender s premium was based on issuing an 2006 ALTA Loan Policy The settlement fee quoted herein includes the following services 1 Acceptance of wired loan funds and 2 Payoff of secured debt The settlement fee does NOT include lender payoff and demand fees recording fees transfer tax or other governmental fees or charges In addition the settlement fee does not include overnight The disclaimer points out some critical information and also describes how the app calculates some of the fees such as the title premium and the settlement fee The disclaimer can always be accessed in the Settings area if you need to review it Training Manual for PTC Quote 3 12 Rev Page 49
23. quired at Closing Total Closing Costs 10 878 50 Prorated Tax 1 406 25 Down Payment 90 000 00 Est Balance Due 102 284 75 Estimated Total Monthly Payments Principal amp Interest 1 932 56 Taxes 468 75 MEOE 131 25 Est Monthly Payment 2 532 56 The results page will show you the total closings costs impounds and estimated monthly payment To view a breakdown of the Closing Costs click on View Closing Costs To Email the Net Sheet tap Email button at the bottom of the page Your Results will be saved in the Results History section of the main Buy page Training Manual for PTC Quote 3 12 Rev Page 23 Origination Fee Title Lenders Policy Escrow Fee County Transfer Tax Notary Fees Recording Fees Courier Fees Endorsements Signing fee Discount Points Total Closing Costs EISEvpress RATE QUOTES Clo sing 1g Costs 3 600 00 1 463 00 Buyer 568 00 1 085 00 Buyer 247 50 50 50 80 00 20 00 40 00 25 00 150 00 3 600 00 10 878 50 This screen will show you a breakdown of all the closing costs when you are finished reviewing the costs tap Close Training Manual for PTC Quote 3 12 Rev Page 24 Current Rent Sales Price Loan Amount Hazard Insurance Annual Taxes Interest Rate Years Income Tax Rate HOA Fees HOA Frequency Appreciation Rate BIC Lvpress RATE QUOTES Rent vs Buy n gt o9 fe on ta
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