==Licensed Entity:==
(02/11/2015)
*WFG LENDER SERVICES, LLC
(Must have brick and mortar in state to qualify for underwriter exemption to licensing)
*See Attached [http://wiki.wfgstaging.com/images/b/b8/Ohio_HUD-1.pdf HUD Sample] for Additional Information

==Banking Information==
(02/11/2015)
*Bank account -- 932529886
*Checks stale dated after -- ___ days of issuance
*Good Funds Law -- $1,000 de minimus
*Disbursements Requirements -- An Ohio account is required for processing all Ohio escrows, WFG offices will use Centralized Disbursement and the Ohio accounts.
*Special Bank Requirements (IOLTA/IOTA/OTHER or account specific to that state’s funds) -- YES – OHIO IOTA ACCOUNT REQUIRED

==Escrow/Settlement==
(02/11/2015)
*Who can prepare the HUD -- Not restricted
*Who can sign the HUD (EO/LTP/Attorney) -- Not restricted
*Who orders hazard insurance -- Customary -
*When is transaction consummated for new HUDS --
*Record before/after disburse -- Record first
*Filed/restricted escrow rates -- No
*Record retention requirements --
*Is an attorney involved in the closing -- No
*Who can handle loan document signing -- Notary
*Doc Prep Restrictions -- Doc prep is UPL – must have Ohio attorney prepare docs and attorney information appear on docs
*Use Escrow Instructions or not -- No
*Use Estimated HUD or Final -- Final
*Pass-thru charges -- Yes
*Rates Inclusive or not -- Not inclusive
*Up Charging -- Not restricted
*Junk Charges -- Not restricted
*Special HUD Requirements -- No
*Special Disclosures -- No
*CPL -- Yes
*UPL Issues -- Doc prep is UPL – must have Ohio attorney prepare docs and attorney information appear on docs
*Joinder of non-titled spouse -- Yes
*Survey Required -- No
*Withholding taxes (similar to FIRPTA for State) -- None

==AUDITS==
(02/11/2015)
*Required -- Annual CPA audit of escrow accounts

==Recording Process==
(02/11/2015)
*E-recording -- County list of e-recording attached
*Record before disbursement -- Disburse first
*Special recording procedure -- <<WALK THRU??>>

==Recording/Document Requirements==
(02/11/2015)
*Marital Status Stated -- Yes
*Transfer Tax -- Yes
*Mortgage Tax -- No
*Address for grantor/grantee/property -- Grantor and Grantee required
*Witnesses --
*Names typed/printed -- Required
*Prepared by/return to -- Required – Ohio attorney name and address
*Notary Stamp/requirements -- Stamp or seal required
*Parcel or tax index number -- Required
*Recitation of Consideration --
*Derivation Clause -- Required
*Corporate Signatures/Attestation --
*Ink Color/Font -- Black/10 pt
*Legal Description -- State.County/Municipality 1st paragraph; Township & Parcel No.
*Margins -- 4" top right; 1" all other
*Other Special Recording: -- Prior deeds may be marked requiring a new survey for next conveyance. Special form for Deed/transfer tax.

==Document Types==
(02/11/2015)
*Conveyance -- Commonly Warranty Deed
*Security Instrument -- Mortgage
*Release -- Satisfaction of Mortgage by Lender. No mechanism for title agent/insurer to release

==Tenancies==
(02/11/2015)
*Tenants in Common -- Presumed
*Joint Tenants -- Can be expressly created
*Tenancy by Entireties -- Repealed in 1985
*Community Property -- No
*Homestead -- Yes
*Joinder of Non-titled Spouse -- Yes

==Taxes==
(02/11/2015)
*Taxes Levied --
*Due dates and delinquent dates vary by county. Most common are:
**Taxes due -- 6/20 and 12/20
**Delinquent -- Delinquent 8/17 and 2/14

==Commitment/Policy Special Requirements==
(02/11/2015)
*Who can sign Commitment/Policy -- Licensed Title Producer
*Other --

==Payment Customs==
(02/11/2015)
Ohio is a mixed bag. Which party pays for what may always be set by contract.

*In central Ohio, the seller pays for the search and a homeowners policy in residential, buyer pays everything else.
*In Southwest Ohio, it’s seller pay and most don’t get an owners policy.
*In Northeast Ohio, seller pays part of it.
*In Northwest Ohio, the contracts are all over the board.
*In Southeast Ohio, most get attorneys opinions or a homegrown record title product known as a Title Guaranty.

==Post Closing Requirements==
(02/11/2015)
*Recon/Satisfaction follow up required --

2015-02-11T19:03:55Z

Deverett: /* Post Closing Requirements */

==Licensed Entity:==
(02/11/2015)
*WFG National Title Insurance Company
WFG Lender Services, LLC
*See [http://wiki.wfgstaging.com/images/6/60/North_Dakota_HUD-1.pdf Attached HUD] Sample for Additional Information

==Banking Information==
(02/11/2015)
*Bank account -- 4120780168/Wells Fargo Bank
*Good Funds Law -- No
*Disbursements Requirements -- Centralized Disbursement
*Special Bank Requirements (IOLTA/IOTA/OTHER or account specific to that state’s funds) -- No

==Escrow/Settlement==
(02/11/2015)
*Who can prepare the HUD -- Not restricted
*Who can sign the HUD (EO/LTP/Attorney) -- Not restricted
*Who orders hazard insurance -- Customary
*When is transaction consummated for new HUDS --
*Record before/after disburse -- Disburse then record
*Filed/restricted escrow rates -- Not filed or restricted
*Record retention requirements --
*Is an attorney involved in the closing -- No
*Who can handle loan document signing -- Notary is permissible
*Doc/Deed Prep Restrictions -- Doc prep is not UPL but cannot charge
*Use Escrow Instructions or not -- Not customary
*Use Estimated HUD or Final -- Final
*Pass-thru charges -- Yes
*Rates Inclusive or not -- No. There is a separate search and exam charge.
*Up Charging -- Not restricted
*Junk Charges -- Not restricted
*Special HUD Requirements -- No
*Special Disclosures --
*CPL -- Yes
*UPL Issues -- Attorney opinion required on search
*Joinder of non-titled spouse -- Yes Both must sign if homestead property. Non-homestead can be conveyed by owner only.
(NDCC 47-19-11, 47-18-05, 14-07-04)
*Survey Required --
**Purchase – No
**Refinance - No

==AUDITS==
(02/11/2015)
*Required -- No

==Recording Process==
(02/11/2015)
*E-recording -- County list of e-recording attached
*Record before disbursement -- Disburse then record
*Special recording procedure --

==Recording/Document Requirements==
(02/11/2015)
*Marital Status Stated -- Not required
*Transfer Tax -- No
*Mortgage Tax -- No
*Address for grantor/grantee/property -- Grantee address required
*Witnesses -- No. NDCC 47-19-03
*Names typed/printed -- Required
*Prepared by/return to --
*Notary Stamp/requirements --
*Parcel or tax index number --
*Recitation of Consideration -- Required
*Derivation Clause -- Required
*Corporate Signatures/Attestation --
*Ink Color/Font -- Black/10 pt minimum
*Legal Description -- 1st paragraph must include state, county & municipality
*Margins -- 1st page 4” x 3 1/2” Top margin
*Other Special Recording: -- Certificate of Value with Deeds

==Document Types==
(02/11/2015)
*Conveyance -- Warranty Deed, Limited Warranty Deed and Quit-Claim are customary.
*Security Instrument -- Mortgage
*Release -- Satisfaction or Release

==Tenancies==
(02/11/2015)
*Tenants in Common -- Yes
*Joint Tenants -- Yes
*Tenancy by Entireties -- No
*Community Property -- No
*Homestead -- Yes
*Joinder of Non-titled Spouse -- Both must sign if homestead property. Non-homestead can be conveyed by owner only.
(NDCC 47-19-11, 47-18-05, 14-07-04)

==Taxes==
(02/11/2015)
*Taxes Levied --
*Taxes due -- 3/1 & 10/15
*Delinquent -- 3/2 & 10/16

==Commitment/Policy Special Requirements==
(02/11/2015)
*Who can sign Commitment/Policy -- Licensed Title Producer
*Other --

==Payment Customs==
(02/11/2015)
*Seller pays for Owner’s Policy and for satisfaction.
*Buyer pays for all other.
*Buyer generally pays for survey.
*Buyer pays closing/settlement fees.

==Post Closing Requirements==
(02/11/2015)
*Recon follow up required -- Yes

2015-02-11T17:46:25Z

Deverett: /* Taxes */

==Licensed Entity:==
(02/11/2015)

WFG NATIONAL TITLE INSURANCE COMPANY

WFG Lender Services, LLC
*See [http://wiki.wfgstaging.com/images/8/8c/Nevada_HUD-1.pdf Attached HUD] Sample for Additional Information

==Banking Information==
(02/11/20115)
*Bank account/Charleston Blvd -- 4125366534/Wells Fargo Bank
*Bank account/Eastern Ave -- 033122796/Bank of the West
*Bank account/CD -- 4120780168/Wells Fargo Bank
*Bank account/LS -- 934084476/Chase Bank
*Good Funds Law -- Yes
*Disbursements Requirements -- After confirmation of recording
*Special Bank Requirements (IOLTA or IOTA or account specific to that state’s funds) -- NO

==Escrow/Settlement ==
(02/11/2015)
*Who can prepare the HUD -- No restrictions
*Who can sign the HUD (EO/LTP/Attorney) -- Licensed Resident Agent (from NV Ops)
*Who orders hazard insurance -- Customary - Lender
*When is transaction consummated for new HUDS -- Upon confirmation of Recording
*Record before/after disburse -- Record first by practice
*Filed/restricted escrow rates -- Filed Escrow Rates
*Record retention requirements -- 5 years title; 6 years escrow
*Is an attorney involved in the closing -- No
*Who can handle loan document signing -- Notary signing is acceptable
*Doc/Deed Prep Restrictions -- No
*Use Escrow Instructions or not -- Yes / general provisions attached to RPA
*Use Estimated HUD or Final -- Estimated is customary
*Pass-thru charges -- Yes
*Rates Inclusive or not -- Generally Inclusive of Search and Exam.
* In commercial, If the initial review of the records discloses that the property has never been insured, then a separate fee may be negotiated. Typically, the search and examination fees are included in the title policy premium, unless prior negotiation for extensive research negotiated prior to issuance of policy.
*Up Charging -- No – charge filed rates (Flat fee/standard charging permitted if filed, such as overnight at $25, or wire fee at $25)
*Junk Charges -- Filed rates only
*Special HUD Requirements -- Licensed Resident Agent must sign (NV Ops)
*Special Disclosures -- No
*CPL -- Yes
*UPL Issues -- Not restricted – title/escrow can complete standard forms
*Joinder of non-titled spouse -- Yes, generally Community Property State.
*Survey Required --
**Purchase – on high liability
**Refinance – No

==Audits==
(02/11/2015)
*Required -- Yes – annual CPA audit now required or state audit will be performed (NRSA 692A.100(4)

==Recording Process==
(02/11/2015)
*E-recording -- Yes
*Record before disbursement -- Yes
*Special recording procedure -- N/A

==Recording/Document Requirements==
(02/11/2015)
*Marital Status Stated -- Yes
*Transfer Tax -- Yes
*Mortgage Tax -- No
*Address for grantor/grantee/property -- Grantor address required
*Witnesses -- Not required. But must be acknowledged by notary
*Names typed/printed -- Yes
*Prepared by/return to -- Return To only
*Notary Stamp/requirements -- Stamp or seal required
*Parcel or tax index number -- On top left corner of first page
*Recitation of Consideration -- For a Value Consideration, Receipt of which is hereby acknowledged
*Derivation Clause --
*Corporate Signatures/Attestation --
*Ink Color/Font -- Documents submitted for recording should be in text that is no smaller than a 10 point similar to Times New Roman font or no more than 9 lines of text per vertical inch. No cursive, print only. (NRS 247.110)
*Legal Description -- Yes
*Margins -- First Page Margins: A document should have a margin of 1 inch on the left and right sides and at the bottom of each page, and must have a space of 3 X 3 inches at the upper right corner of the first page. Multiple Page Margins: The first page must have the margins listed above. All succeeding pages should have a margin of 1 inch on the left and right sides, and at the top and bottom of each page. (NRS 247.110)

*Other Special Recording: -- Mailing address of party requesting recording must be on document; Declaration of Value Affidavit w/Deed

==Document Types==
(02/11/2015)
*Conveyance -- Grant Bargain and Sale Deed is the customary form in Nevada; Warranty deeds and quitclaim deeds recognized
*Security Instrument -- Deed of Trust
*Release -- Reconveyance

==Tenancies==
(02/11/2015)
*Tenants in Common -- Yes
*Joint Tenants -- By express language only
*Tenancy by Entireties -- No
*Community Property -- Yes
*Homestead -- Yes
*Joinder of Non-titled Spouse -- Yes w/exceptions Community Property State

==Taxes==
(02/11/2015)
*Taxes Levied -- 7/1 to 6/30
*Taxes due – Quarterly -- 3rd Monday August
1st Monday October
1st Monday January
1st Monday March
*Delinquent -- 10 days after due date

==Commitment/Policy Special Requirements==
*Who can sign Commitment/Policy -- Licensed resident title officer (NV op)
*Other --

==Payment Customs==

*Seller typically pays for owners policy, unless contract provided otherwise.
*Transfer tax usually split, depending on purchase contract terms; recording fees allocated to seller for deed, purchaser for new encumbrance documents.
*Nevada does not require surveys; if the purchaser requires a survey, then the contract will reflect the terms for payment.
*Settlement fees typically split 50/50, unless contract terms provide otherwise
==Post Closing Requirements==
*Recon follow up required --