If your financing in your own name then title property in your name2.

Most agents have no CLUE how title and escrow actually works because they don't need to attorneys control it all..

Just wanted to get a pulse from this amazing community on market potenital in Pheonix and specific neighborhoods, etc.As a side note, if you work in Pheonix as a cash buyer, investor, title company, realtor, property manager and are investor friendly, feel free to reach out!

After that the HOA was able to foreclose because no military personnel were listed on title.

Hi Melvin,Origination charges = 0 [Covered completely with lender credits]Services you cannot shop for = 2725 [This is the VA funding Fee]Services you can shop for AKA title work = 1723Total Loan Costs A+B+C = 4448Taxes and government fees = 3279 & G Prepaids and initial Escrow at closing = 10007Total cost including escrow = 14455

> Military husband/wife buy new home, divorce, stop paying note and hoa> Husband is erroneously removed from title by tax appraiser, HOA forecloses on wife, I buy home at auction> Now I am on title, wife and husband on note, bank cannot foreclose because husband is protected by SCRA > (more on this in the above post, but husband does not want the house back)A while after moving in I discovered water damage inside a wall where rain has been getting in due to needing a new roof. 

Anyone have a good title company /RE Lawyer in the Portland area they suggest for wholesale transactions?

The transfer of title could trigger negative covenants in the loan (eg: Due on Sale Clause).

Lender Fees $1,640.00Discount Points $4,680.00Appraisal Fees $825.00Credit Report Fee $25.00Tax Service $68.00Credit Technology and Verification Fee $75.00Title Fees $836.50Owner's Title Insurance $513.00Lender's Title Insurance $2,507.00Transfer Taxes $9,626.00Recording Fees $519.50Total Closing Costs $21,315.00Prepaid Interest 2 days @ $87.53 /day $175.061 year Insurance Premium $1,500.00Property Taxes $3,632.04Insurance Escrow Reserves 2 months @ $125.00 /month $250.00Tax Escrow Reserves 2 months @ $302.67 /month $605.34Total Loan Prepaids $6,162.44Down Payment $90,000.00Total Estimated Due at Closing $117,477.44Loan ProgramPurchase Price $450,000.00Total Loan Amount $360,000.00Interest Rate 8.875%APR 8.337%Product Indigo Edge NonQM 30 Yr FixedYour Monthly housing breakdownPrincipal & Interest: $2,864.32Insurance: $125.00Taxes: $302.67TOTAL $3,291.99

If Tenant abandons the Premises or vacates the Premises upon the expiration or termination of this Lease while leaving personal property within the Premises, Tenant specifically and irrevocably waives all title and interest Tenant has to such property and grants to Agent full authority to immediately dispose of same without notice, court order ,or accountability.