There are a lot of great resources available on the internet for our clients. Below is a list of sites we think are particularly helpful for residential real estate closings and other real estate transactions. Please click on the titles to be directed to these sites.
The Real Estate Settlement Procedures Act (RESPA) ensures that consumers throughout the nation are provided with more helpful information about the cost of the mortgage settlement and protected from unnecessarily high settlement charges caused by certain abusive practices.
The most recent RESPA Rule makes obtaining mortgage financing clearer and, ultimately, cheaper for consumers. The new Rule includes a required, standardized Good Faith Estimate (GFE) to facilitate shopping among settlement service providers and to improve disclosure of settlement costs and interest rate related terms. The HUD-1 was improved to help consumers determine if their actual closing costs were within established tolerance requirements.
RESPA is managed by the Consumer Financial Protection Bureau (CFPB).
The Register of Deeds is a constitutional office established by the Tennessee state legislature as the custodian of legal documents pertaining to real property. These documents include Warranty Deeds, Deeds of Trust, Releases, Powers of Attorney, Liens, Plats, Amendments and other miscellaneous documents designated by state law to be recorded by the Register of Deeds.
The Office of the Trustee is a constitutional office that was established as a tax collection agency for Davidson County. The Trustee in Davidson County collects Real Property, Personalty and Public Utility Taxes.
The Williamson County Tax website allows consumers to view, pay, and print information about their Williamson County, City of Brentwood, City of Franklin, City of Thompson Station, and City of Nolensville property taxes.
Federal law allows you to get a free copy of your credit report every 12 months from each credit reporting company. Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application, and reviewing credit reports helps you catch signs of identity theft early. Our clients are encouraged to take advantage of this free service and ensure that the information on all credit reports is correct and up to date.
Home Closing 101 is a website provide by the American Land Title Association (ALTA) to help consumers understand the costs and process of buying a home.
The primary and most most important function of the Williamson County Register's Office is the filing or recording of instruments that affect the legal status of real and personal property. The register also collects some revenue and may record or file powers of attorney and some official instruments (such as county official bonds and certain official reports).
The Davidson County Assessor of Property website provides estimates of the "market value" of property in Davidson County.