@Wes BrownNo you still have to occupy and will not only sign the contract as such but also sign a document at settlement re-affirming you occupancy.btw the penalty for lying is up to 5 years in jail and $250,000 fine, Do you feel lucky?

•You transfer the home to a spouse or former spouse in a divorce settlement.

We have the standard post-settlement occupancy agreement in our ratified contract.

.- Prior to closing, review the preliminary HUD-1 settlement statement and make sure there are no errors.

These will indicate differential settlement issues or frost heave under footings or slab edges.

Have 1 such settlement on Oct 7, as a fact.

YesLoan Purpose:Refinance Cash OutProperty Use:Primary ResidenceProperty Type:Single Family HomeLock Period:30 DayCredit Score:680 - 699Good Faith Estimate:Mortgages to be paid with this loan$0.00Guaranteed Lender Fee$1,995.00Guaranteed Discount Points (if any)$773.50Services We Select$478.25Guaranteed Appraisal Fee$395.00Guaranteed Credit Report Fee$16.75Guaranteed Flood Cert Fee$5.50Guaranteed Tax Service Fee$61.00Guaranteed Settlement Agent and Guaranteed Lender's Title Insurance$705.00Guaranteed Govt Recording Charges$86.50Escrow/Impound Account Deposit$711.24Prepaid Interest$40.36Your new loan amount($25,000.00)Estimated Cash to Be Received at Closing$20,210.15

@Mark Fergusonsince the title insurance fee is set by the government, many title companies don't charge for settlement as they make money of title insurance premiums.Title insurance is only insurance where you insure past events and except out any questionable event.

Proof may be part of settlement.

Finally I partnered with another wholsaler and we were able to get it sold.I almost forgot the best part at the closing table my seller threatened to walk out and not sign the settlement papers because he found out the check was not made out to him directly but to the estate.