Indicia: An indicia stamp is a postal marking rather than an actual stamp or a regular cancellation on each item in a large shipment of prepaid mail.

He was only one of these pre paid legal services guys so I am canceling that.

Lowes has an LAR that is pre paid and allows guys to show up and grab what they need.

As far as I know he can't find my info (I sure hope not) unless he gets the police involved (I doubt getting 2 letters in the mail would warrant a police investigation) but it got me thinking if I am better off just getting a pre paid phone or using a google voice number instead, just in case one guy actually is crazy enough to try to find me.

I'm familiar with Prepaid Legal Lawyers and there lawyers but what type is the question.

Here are the numbers:30 year loan at 5.125%Purchase price: $79,000Down payment: $15,800 - (20%)Charges and reserves: $11,554  (outlined below)1) Closing costsOrigination fee: $1,235Discount points: $1,027Appraisal: $785Credit Report: $45Flood cert: $8Tax Service fees: $82.502) Title ChargesClosing Fee: $450Lender Title insurance: $279.80Title search: $2003) PrepaidsHazard Insurance premium $1,2004) Prepaid ReservesHazard Insurance $1,300 Property Taxes $1,833Escrow Adjustment ($200)5) Transfer chargesRecording Fees $230Transfer Taxes $2,3706) Settlement chargesOwner Title Insurance $349

If you have a seller willing to provide a large  credit or price  decrease  - I would use the  credt to cover the loan fee/ points / prepaid items - good luck

For the people without a bank account have them get a prepaid debit card that allows ACH debits, such as the NetSpend card that we recommend.  

Hello BP community, As an investor who just got my own real estate license, I want to know how much commission I could credit to the closing cost and pre-paid items for my own purchase transactions.

@Stephanie Garcia Also has anyone ever used Legal Shield or prepaid lawyers??