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USER MANUAL - Attorneys` Title Guaranty Fund, Inc.

1. Loan Information 2 Lender 155511 ABE Bank s Loan Mumber Monthly P amp Mort Ins Case Mo 2 Loan Information 2nd Loan Information Loan Amount 40 000 00 Lender 101680 Second Federal Savings amp Loa 5 Loan Number Monthly F amp Mort Ins Case Mo Interest Hate B Click the Commitment Policy Preparation button 3 or select Commitment Policy Binder from the Data Entry menu C Under the Cmt Sched A tab select the 2 Mortg Insured sub tab ATG RESOURCE User Manual Page 11 1 ATG 5 15 Page 11 2 Click the Insert Morts Insured Name s in Text Box button to insert the Second Mortgagee s name s Fi Commitment Policy Binder Commitment Policy Logging Rl Al Cmt Sched Sched E Policy Policy Options Effective Time lesue Date Issue Time Effective Date Jano FA E 4 O amt si 6 2 2010 FA 3 E E pr Mortgagee Folic Amount 200 000 00 Te M Insured Suppress Names IE M aaa Niele le M Borrower Suppress Names Commitment fooson 1807 W 2nd Mortg Insured Suppress Interest In Land Fee imple T EB wl agamas nd Morg Insured second Federal savings amp Jan Assoc of Chicago Owner Policy Proposed Insure Amount 300 000 00 2 Mortg Insured Insert Mortg Insured Name s in Text Box Owner Insured Mortg Insured Morg Borrower 2nd Mortg Insured Current Title Holders Legal Desc
2. Prepare Transfer Tax Documents ATG REsource User Manual ATG 5 15 I Click File gt Open and select Illinois PTAX 203 Ea Transfer Tax File 100900101798 File Edit Window Illinois PTax 205 Close Cook Count Transfer Declaration Save Ctr 5 Chicago Transfer Declaration Print Etri F Resource File Exit 2 The PTAX 203 data entry form displays DA Transfer Tax File 110900102101 File Edit Window EA PTax 203 Ea Transfer T axes Consideration 300 000 00 Personal property 0 00 gt Met consideration 300 000 00 Exchange property 0 00 Assumed Mortgage 0 00 Taxable Amount 300 000 00 State tax stamps 300 00 County tas stamps 150 00 Exemption Information Parcel Information Parcel Ho 1111 111 1111 Index Lot Size ft O0 100 County Cook Township Barington x Print separate PT a for this parcel Changes to the Property CJ Demolition CJ Additions L Remodeling J Construction C Other specify Date of change Month ear Transaction Information Deed Information Deed Type Warranty J Guitclaim J Installment contract fulfillment J Sale between related entities J Sale of a partial interest J Court ordered sale J Sale in lieu of foreclosure Q Executor _ Trustee C Transfer to from govern charity Deed Date Month ear J Condemnation L Property
3. m Title Prep n Title Prep Total Endorsements Endorsement Total Search Search Total Commercial Rec Misc Rec Misc Total Closing Commercial T otal l IL Reg opa fo 00 2 00 IL Reg MPA J0 O 5 00 E charge ount 07 50 fi 025 00 MPA Amount F5 00 250 oo MP42 Amount Consumer Charge Closing Total l ATG RESouRCE User Manual ATG 5 15 Close 5 6 10 Page 4 1 II ATG SERVICES WINDOW Ree ee q Edit Select Charges sy A Click the Edit Select Charges button to select additional services l The ATG Services screen contains tabs for Title Prep Endorsements Closing Search Services Rec Misc and Commercial and totals are shown on the right Each tab will have checkboxes for selecting various services 2 Select title services and transaction information by clicking the appropriate checkbox 3 When services are selected customary fees will automatically populate the ATG column the Buyer column or the Seller column Title Prep Endorsements Closing Search Rec Misc Commercial Other ATG B uyer Seller ATG B uyer Seller Title Pre Tile Services Complete 000 a 0 00 OPA State Reg Fee 0 00 o oo 3 00 Title Services Support 0 00
4. ATG REsource User Manual ATG 5 15 TIP To copy and paste Highlight the second mortgage description and press lt Ctrl gt lt C gt Select the Morts Schedule B II sub tab place the cursor in the text entry area and press lt Ctrl gt lt V gt IL PRINTING THE LOAN POLICY INSURING TWO MORTGAGES A B C ATG RESouRCE User Manual ATG 5 15 Ey Click the Print Create Document button Under Print Documents select ATG Pkg One MPA 2 Mortgages 06 The following documents are contained in this package l 2 3 4 Loan Policy Cover Schedule A listing both mortgages Schedule B Endorsements a Environmental Protection Lien EPL b Comprehensive C Location d Multiple Mortgage NOTE The Multiple Mortgage Endorsement deletes the policy provisions regarding priority of the insured mortgage paragraph 6 of the insuring provisions and substitutes a new insuring provision that sets forth the priority between the two insured mortgages In order to issue the Multiple Mortgage Endorsement the mortgage documents themselves should state a priority between the mortgages Page 11 3 1 2 Two Mortgages Two Loan Policies YX ATG 12 TWO MORTGAGES TWO LOAN POLICIES I POLICY PREPARATION When there are two mortgages given on the same property at the time of closing the lender s will require that either two separate Loan Policies be issued insuring each mortgage or that both mortgage
5. Deposits Use the Change Payee button Cng Payee to change the name of the payee When you select this option the Select Payee Option screen displays Choose which list the payee from Buyer Seller Agent or Manual The Select Payee Option window also displays when the New button NEW is selected Select Payee Option Which List Does Payee Come From eo Buyer Seller he Agent Manual Ea Buyers From Ord x Cancel a Buyer Seller Displays the Buyer Seller Agent List b Agent Displays the Agent List C Manual Same as Manual Change Payee above d Buyer From Order Automatically inserts the Buyer name from the file as the payee 2 Seller From Order Automatically inserts the Seller name from the file as the payee This screen also offers these options for adding and adjusting checks manually and for printing checks a New Creates a new check Use this option to add a new check to the list To add a new item for an existing check use the method explained above for adding ATG REsource User Manual ATG 5 15 ATG RESouRCE User Manual ATG 5 15 disbursement items When you select this option the Select Payee Option screen displays please see above The program displays the new name above the disbursements list and is ready for you to enter a HUD Line number Description Amount and Acct Account number Once you enter an item the new check displays in the Check window on the
6. broker s lien ee oe s Child Support Lier Divorce Commercial Broker Lien Commercial Pr Commercial Broker Lien wl Commercial Pr Commercial Real Estate Broker Lien ATGRequirem Environmental Lien Search General Lien Exception LienLit Pende ba Excluding Exceptions from the Final Policy F Description Commercial Pr To exclude exceptions on the Owner s Policy or Loan Policy highlight the text and click one of the Mark Selected Text buttons i Commitment Policy Binder Commitment Policy Logging fl Cmt Sched SchedB Policy Policy Options Standhy Fees and Taxes Year aj 72 County PF Leave Blank Signatory z Premium Information Property Type z Owner Premium 1 500 00 p Mortgagee Premium 650 00 Premiu BEE Exceptions EEE Mark selected text for exclusion on policies Sched B Sched B Req Exceptions a Mark Selected Text for Inclusion on all Policies Black b Mark Selected Text for Inclusion on Owner s Policy Only Blue C iz Mark Selected Text for Inclusion on Loan Policy Exclusion from Owner s Policy Fuchsia d Mark Selected Text for Exclusion from All Policies Olive Copying Special Exceptions from another REsource File a To copy exceptions from another REsource file i Click the Pull Field from Complete Closing button Ss A list of REsource files displays 11 Select the desired file by double clicking the file name The
7. LAN ATTORNEYS TITLE GUARANTY FUND INC are RESOURCE Title amp Closing Production System USER MANUAL VERSION 6 5 Revised May 2015 ATG RESOURCE HELPDESK 888 776 4420 atgresource atef com AS ATG AND SUBSIDIARY OFFICES ATTORNEYS TITLE GUARANTY FUND INC CHAMPAIGN 2102 Windsor Place P O Box 9136 Champaign IL 61826 9136 800 252 0402 217 359 2000 Fax 217 359 2014 CHICAGO LOOP One South Wacker Drive 24 Floor Chicago IL 60606 4654 312 372 8501 Fax 312 372 9509 CHICAGO NORTHWEST t 7819 West Lawrence Avenue Norridge IL 60706 3211 708 453 7700 Fax 708 453 7702 ARLINGTON HEIGHTS 2355 South Arlington Heights Rd Suite 100 Arlington Heights IL 60005 4500 847 357 1263 Fax 847 357 1369 ELGINt 535 Tollgate Road Suite A Elgin IL 60123 9319 847 202 4488 Fax 847 202 4499 FRANKFORTt One Old Frankfort Way Suite 9 Frankfort IL 60423 1719 815 464 6068 Fax 815 464 2037 GURNEE 1790 Nations Drive Suite 211 Gurnee IL 60031 9176 224 944 0350 Fax 224 944 0363 LIBERTYVILLEt 728 Florsheim Drive Libertyville IL 60048 5273 847 968 2480 Fax 847 968 2476 LOMBARD 1 East 22 Street Suite 220 Lombard IL 60148 4980 630 627 7441 Fax 630 627 5675 METRO EAST 120 West Main Street Suite 201 Belleville IL 62220 1554 618 277 9440 Fax 618 277 1344 OAK LAWN 4042 West 111 Street Oak Lawn IL 60453 5703 708 952 7100 Fa
8. 9 AN 1123 2005 7 30 2003 TradNoService 030030100002 Template TradNoService 030152600002 Template 8 1 2004 7 30 2003 7 30 2003 Closed 030168900135 Template 10 30 2003 11 6 2003 TradiNoService 030347000002 Template 62 2003 69 2003 Order Entry 040006400158 Template 2 27 2004 4 29 2004 3 5 2004 TradNoService 040029600003 Template 57 2004 5 24 2004 Closed 040035800017 Template 3 6 2004 3131 2004 3 23 2004 TradMoService 040055800003 Template 2 6 2004 2 6 2004 2 13 2004 Cancelled 040094000104 Template 10 26 2004 11 2 2004 TradNoService 040166900604 Template 7 13 2004 7 15 2004 7 20 2004 TradNoService 040286700016 Template 8 11 2004 6 18 2004 TradNoService 4 seal All Orders Filet Refresh All Orders f You may 1 Select a file that is a template or 11 Click the All Orders button An orers to list all of your files 1 1 5 1 1 1 1 1 1 1 1 1 Fieno ftatus OpenDate CloseDate CommitDate Department Person TitleCo LoanAmount 160 4 1 pans 155200 155200 171696 155200 350000 97500 0 426000 xfi x g Select the file that you want by either double clicking the file or clicking once on the file to highlight it and clicking OK The Order Entry data from the existing file will now appear in the new file NOTE The Sale Price Earnest Money and Loan Amount will not be copied from the existing file In addition you must go to the ATG Services screen to select services and calculate
9. ATG 5 15 2 Looking up an Existing File YX ATG 2 LOOKING UP AN EXISTING FILE Instructions for locating an existing file by File Number Buyer Seller Name Member File Number or Property Information I LOOK UP AN EXISTING FILE A The File field File fsosootonsss displays the current file Complete Closing always opens with the last file worked on before logging off Before you begin working on a file make sure that the correct file number displays in the File field in the toolbar You can retrieve an existing file using any of the following methods l Order Search by Member Click the Order Search by Member button to search files by Member File Number Buyer Seller File Number and Closing Date 2 Lookup File Number Click the Lookup File Number button Fi to search by File Number Closing Date Department Escrow Bank or Person 3 Search by Legal Description Click the Search by Legal Description button v to search by Legal Description Address City or Number Acreage 4 Search by Buyer Seller Click the Search by Buyer Seller button amp to search by Buyer or Seller name 5 Jump to File Click the Jump to File button F to open another file by entering the exact File Number 6 Super Search Click the Super Search button I to search for one or several files based upon variables such as file open and close dates buyer seller property and loan information A printed report of the search results
10. Loan De a ar A Lender 1447650 1403143 1st Advantage Marta Lookup Agent CErl L Loan Number View Edit Agent Ctrl E le ll rr Enter as One Time Use Agent Chrl c 4 The Agent displays in the Agent Vendor List and you are can edit this agent and use it one time only M Agent endor List General Info Mame IDMum 1403143 1st Advantage Mortgage LL 1447650 XI S4 Mo image gt Address a Agent Select EEA OCS Payoff Location ity a Zip County Phone Agent Categor 555 555 5555 None F Organizing Agent Vendors Parent Child Agents I Agents can now be organized within relationships An agent can be created representing one company Parent and several additional agents Child can be created listing various locations or contacts 2 To create a relationship for an agent a Go to Data Entry gt Agent List or press lt Ctrl gt lt A gt File Data Entry Utilities Window ATGFE E Order Entry a g SPEED HUD ia Classic HUD Commitment Policy Binder Commercial Statements Web Publishing Ctrl w Escrow Document Preparation Agent List Subdivisions Surveys b Click the Insert New Agent button SA to add a new agent C Complete the New Agent information fia Agent Yendor List General Info at e8e lr rvrlelil Name IDNum Eendent Mortgage 1447656 Address 123 Main Select o m F Payoff Location zi Count Choose Agent Parent me Phon
11. PR Enter name of recipient of wild deed ST1 1 obtained title by mesne intervening conveyances from PR Enter name of grantor in wild deed ST1 2 We find no title in RP 2 This should be explained and this commitment and any policies committed for thereunder shall be subject to such further exceptions as may then be deemed necessary Page 14 34 ATG REsource User Manual ATG 5 15 Policy Duplicate Policy This duplicate policy is issued to replace Policy No PR Insert lost or destroyed policy numberhere ST1 1 that was lost or destroyed It is understood that this duplicate policy evidences the liability of Attorneys Title Guaranty Fund Inc under its original policy and that such liability is not increased nor diminished by reason of issuance of this duplicate policy Schedule B Part II SCHEDULE B PART II In addition to the matters set forth in Part I of this schedule the title to the estate or interest described or referred to in Schedule A is subject to the following matters but ATG insures that such matters are subordinate to the lien or charge of the mortgage upon said estate or interest Mortgage dated PR Enter date of mortgage DT2 7 and recorded PR Enter mortgage recording date DT2 7 as Document No PR Enter recorded mortgage document number ST1 6 executed by PR What are the borrowers name s ST1 6 and given to PR Enter name of existing lender ST1 5 to secure a note in
12. Tax Sale Tax Deed Judgment We have examined the proceedings pending in the Circuit Court of PR Enter name of County ST1 1 County Illinois in Case No PR Enter court case number ST1 2 on a petition for tax deed pursuant to a tax sale of the land under the provisions of the Property Tax Code 35 ILCS 200 1 1 et seq and note the following a The question of the willingness of ATG to insure title derived through the said proceedings should be submitted to an underwriting attorney of ATG and this commitment and any policies committed for thereunder shall be subject to such further exceptions if any as may then be deemed necessary b Right of any interested party by motion appeal petition or other direct proceeding to have modified set aside or reversed the orders entered in Case No RP 2 within the time allowed by law c Right by reason of military service of any person interested in the subject matter of the proceedings in Case No RP 2 to redeem within the time permitted by the Soldiers and Sailors Civil Relief Act Current Wisconsin The lien of taxes for the year PR Enter Year IN1 6 and thereafter Parcel Identification Number DB Property TaxID NO Year PR Enter Year IN1 6 taxes of PR Enter tax amount CU1 4 are PR Enter status of tax payment paid in full not paid etc ST1 8 PR Enter Year IN1 6 general real estate taxes are not yet due or payable Remarks PR En
13. 4030 7000678 001 14 35 1 34 01 7 3519 M E Madison Peoria IL 61603 621 2004 0500441 00232 001 694000 416 West Main san Jose IL 64602 1 4 2005 0500441 00314 001 5000 Mulberry Street san Jose IL B2682 Arar 2005 0500447 00314 001 504000 213 West Walnut San Joze IL 2 3 2005 050044100323 001 1 732000 22302 Kohl Street Topeka IL 2f24 2005 0500441 00336 001 228000 SW A ST 4 TE Allens Grove Toll 33 2005 0500447 00336 O01 229000 E 172 5E 1 4 16 21 Allens Grove Teo IL 3432005 0500441 00336 001 365000 E 172 S 4 1 44 29 2 Allens Grove Toll 3342005 050044100336 001 266000 E 172 SW 174 29 2 Allens Grove To IL 33 2005 001 513000 113 N Third San Jose 2682 om Open Selected Create New Cancel I Aenm 1 1 coe 1 e Enter all or part of the Tax ID Number and click the Search button Numbers 1f any will display l Click the Cancel cl button to abandon a new file entry or Tax ID search 2 Click the Create New button ES to create a new file or 3 Highlight the desired file and click the Open Selected button OpenSeected Open an existing file Search Similar Tax ID ATG REsource User Manual ATG 5 15 NOTES ATG RESOURCE User Manual Page 2 7 ATG 5 15 3 Getting Started AX ATG 3 GETTING STARTED I CREATING A NEW FILE A To create a new file click the Add File Number button F located on the toolbar or select New File from the File menu is Complete Closing Enterprise 6 5
14. ABC Lender e Click the OK button The template displays as a new order ATG REsource User Manual ATG 5 15 f Complete the remaining information and click Submit 1 Prior Policies should be faxed to 312 224 0330 and should include the REsource file number 11 You will receive an e mail notification upon placing your order 111 Please call the REsource Helpdesk at 888 776 4420 with questions F Preparing a Seller s Closing Statement 1 Opening the Closing Statement a Select the desired file in the PaperlessCloser Lobby b Select Closing Statement Conference Room Contacts closing statement C The Closing Statement page displays sie ci pert E Complets Sub bo Closing Sar wices E Perre Ffaour s Daka Dh retan to in ety Anem Tale Gaee Fund Er Pimia i OF Closing Statcneent Test Marre 50801 1 South actes Edith Aloe Che age 1 N pt Takir hr ai Buro Boi Biasi Ler vel Ergo Erk H Poorly 125 Man Se Ch LL ie Fi Pia NON CRI Fi Pas ces Cure Caries Rapes Pre Bearer Crete diir Crah Furca Prr don ET ROULE Euret Monsey 7 th I Tan Aen rrr Prr ote i Tan Aen rrai bourse ite ba a Bloat cng Proales E CR Lo Bstoese Feria ender 2 z 0 aT Brosse Pata ede 1 i im on m Pr Fu Hiasi CEE ni ia Dire ane Prke he iaa T Fa Ei m Ti Tiar Tai EIG Pen anj Te aed eg RE Om Carey Peeters Fan 16 Beet ef Ties ee pa fi dCi tp Teeter Tae 276 Bee od Tele Fi te GE Surety Fes 1 0 O
15. Exception Schedule B Part II Subordination of Mortgage SCHEDULE B III PART H In addition to the matters set forth in Part B I of this schedule the title to the estate or interest described or referred to in Schedule A is subject to the following matters but ATG insures that such matters are subordinate to the lien or charge of the mortgage upon said estate or interest Mortgage dated PR Enter date of mortgage DT2 7 and recorded PR Enter mortgage recordingdate DT2 7 as Document No PR Enter recorded mortgage document number ST1 6 executed by PR What are the borrowers name s ST1 6 and given to PR Enter name of existing lender ST1 5 to secure a note in the amount of PR Enter existing mortgage amount CU1 7 and such other sums as provided therein Requirement Assignment of Mortgage Assignment of Mortgage from PR Enter name of original lender ST1 1 to PR Enter name of lender receiving assignment ST1 2 dated PR Enter the date of the assignment DT2 5 and recorded PR Enter recording date of assignment DT2 5 as Document No PR Enter Document number of Assignment ST1 3 which assigns the Mortgage recorded as Document No PR Enter Document No of assigned Mortgage ST1 4 Exception Riparian Meandering Lake River Rights if any of the United States of America the State of Wisconsin the municipality and the public in and to so much of the land if any as may have been formed by mean
16. FA Commitment Policy Binder Commitment Policy Logging LE Effective Date Effective Time lesue Date lesue Time 23200 FA m EE C amt pml iz Owner Policy Proposed Insured Mortgagee Folic F HWpPPress Suppress Names IIE Interest In Land Fee Simple HEERE Owner Insured Owner Insured Owner Insured Morto Insured Mortg Borrower Current Title Holders Legal Desc More Int In Land ATG RESouRCE User Manual ATG 5 15 NOTE If the names of the Buyer Seller or Lender are misspelled or to add middle initials or suffixes such as Jr or Sr edit the name in Order Entry Then delete the name and click the Insert Owner Name s in Text Box button to pull in the corrected name This will ensure that the name will appear properly on other documents Page 5 3 C Mortgagee Insured Select the Mortg Insured sub tab The Mortgagee Insured text area displays l Fa Commitment Policy Binder Commitment Policy Logging fl Cmt Sched A Sched B Policy Policy Options Effective D ate Effective Time Issue Date Issue Time pesen SPS ame came m B s Owner Policy Proposed Insured En mount 200 000 00 a partes Insert Mortg M Insured Suppress Names Ig H pees Nenes Insured Name s in W Borrower Suppress Mames IE Commitment 1009 Text Box Interest In Land Fee Simple l Bl y aalma Morta Insu
17. Note The buyer s should inform ATG how legal title will be held Note A Wisconsin Real Estate Transfer Return form will need to be completed by the parties in order to record the conveyance document b MORTGAGE from DB BuyerInfo FormalName NO to DB Lender Name NO in the amount of DB Main LoanAmount CU1 Note Construction Lien Affidavit Note Full coverage provided by the Loan Policy 1s conditioned upon the return of an affidavit in a form acceptable to the company as to the construction liens and possession and the submission of satisfactory evidence in regard to existing and future special assessments from the municipality in which the subject premises are located The Policy will be subject to such additional matters as the affidavit and tax search disclose Note Endorsements Final Loan Policy NOTE The Loan Policy when issued will contain the Easements Restrictions and Minerals Endorsement ALTA Form 9 formerly known as Comprehensive Endorsement an Environmental Protection Lien Endorsement EPL ALTA Form 8 1 and a Location Endorsement 1 ALTA Form 22 ATG RESOURCE User Manual Page 14 81 ATG 5 15 Exception Real Estate Taxes Single Payment Taxes for the year PR Enter the year that taxes are a lien CYYYY IN1 1 and thereafter PR Enter the current or previous year YYYY IN1 1 taxes in the amount of PR Enter amount of prior year taxes CU1 2 are PR Enter whether PAID
18. REDEEMED include dates ST1 15 Taxes for the year 2004 in the amount of PR Enter amount of 2004 taxes CU1 11 are PR Enter whether PAID SOLD REDEEMED include dates ST1 14 Taxes for the year 2003 in the amount of PR Enter amount of 2003 taxes CU1 9 are PR Enter whether PAID SOLD REDEEMED include dates ST1 10 Taxes for the year PR Enter the current year YYYY IN1 6 are not yet due and payable Permanent Index No DB Property TaxID SN1 EXEMPTIONS PR Enter Type of Exemption amp Amount ST1 17 TOWNSHIP PR Enter Township Name or Numbers ST1 19 LOT SIZE ACREAGE PR Enter Lot Size or Acreage ST1 18 ACCESS PR Enter Yes and Name of Access Road OR Enter No ST1 20 BANKRUPTCY Creditor s Rights The right of a creditor trustee or debtor in possession to sell the entire property in the event of a bankruptcy of any co tenant of the land Statutory Powers Statutory rights powers and duties of the Trustee in Bankruptcy in the bankruptcy proceeding filed by PR Enter name s of person filing bankruptcy ST1 1 on PR Enter date of bankruptcy filing DT2 2 in the Federal District Court for the PR Enter name 1 e Central of bankruptcy court ST1 3 District of Illinois in Case No PR Enter case number of bankruptcy ST1 4 notice of which was recorded on PR Enter date of recording of bankruptcy notice DT2 5 as Document No PR Enter recorded
19. Transfer Tax City if different State County Zip Please enter zip code in the format xxxxx or xxxxx xxxx Tax ID Property Type Please Select Search Provider Please Select Order Category Please Select v CCS Complete the Property Information including the Property Type Search Provider and Order Category NOTE The order must contain a property Address County State and if possible a Tax ID number Permanent Index Number Click the Add Property button The Services page displays r Prior Policy r Title r Type of Property No Prior Policy Advisory Commitment TSC Commercial ATG Prior Policy Loan Modification Residential Contract Gap Risk Update Vacant Abstract Non ATG Prior E ae eer r Transaction Type Homestead BuySell r Search Ball Refinance Search No Prior r Installment Contract 2 Comprehensive 1 i we iene a Condo Blanket 1 ALTA 4 he ne Condo Blanket 2 ALTA 4 1 Chain of Title eng r Closing Computer Search Only Daily Bill Statutory CPL Buyer EPL ALTA 8 1 S CPL Seller J amp L Search Only Inflati tatutory Location Note ee Full Closing Rush Search i Sg 2C Member Closer Lot Update ondo Checks am
20. UNPAID AND DUE NOT YET DUE AND PAYABLE ST1 3 Taxes for the year PR Enter the current year YYYY IN1 6 are not yet due and payable Tax Key No DB Property TaxID NO Exception Rights of the Public Roads Rights of the public State of Wisconsin and the municipality in and to that part of the premises in question taken used or dedicated for roads or highways Exception Riparian Highwater Mark Rights of the public in any portion of the subject premises lying below the ordinary highwater mark and in the waters of and airspace over PR Name of lake river etc STI 1 Wisconsin Requirement Lien Judgment Possible We find judgments liens and matters of record involving a person or persons whose names are similar to PR Name of person with possible judgments ST1 1 Relative thereto a Personal Information Affidavit establishing the identity of the above described person must be supplied in order to facilitate the exclusion 1f possible of those items Note Rental Property NOTE If the property is to be used for rental purposes compliance with or exemption from the Energy Efficiency Standards of the State of Wisconsin or the municipality must be obtained Requirement Foreclosure Commitment General In order that we may insure title after completion of any proceeding brought to foreclose the lien of the mortgage noted at Schedule B II Exception No PR Enter Schd B II Mortgage Exception number
21. 06 00 0 00 MPA State Reg Fee 0 00 83 Bo po GRU nn a aaoo an The Pep Taa po on Endorsement Total 20 00 30 00 0 00 Enor Type Closing Total 350 00 450 00 50 00 D NOIPONE CU 0 00 0 00 0 00 C ATG Prior Policy c 000 0 00 00 00 Search Total 120 00 100 00 0 00 2 R Conversion 0 00 us Des Mie Totalf0 00 0 0 00 0 00 STAGE ee ere 0 00 0 00 C Non ATG Prior 100 100 00 Commercial Total 0 00 0 00 0 00 No Prior Surcharge 0 00 0 00 0 00 pee 2 OPA Amount 374 50 p 00 fi 070 00 Gana See n MPA Amount 148 75 425 00 0 00 D IVACANL A AA A MPA2 Amount 6 00 0 00 0 00 Transaction Type Amount due 1048 25 1105 00 1120 00 re Update HUD Installment Contract New Construction 00 00 0000 eee an Update HUD Close NOTE When finished entering or editing services on the ATG Services screen you must click the Update HUD button Hs prior to closing the ATG Services screen This will ensure that all ATG and consumer charges appear on the Invoice Closing Statement HUD 1 Settlement Statement and AIS 2 9 The Update HUD button 44P pulls all fees from the ATG Services screen to the Invoice for Title Charges Closing Statement HUD 1 Settlement Statement and AIS 4 Click the Close button to close Edit Services Page 4 2 ATG REsource User Manual ATG 5 15 5 Overriding Standard Fees a Standard Consumer Fee 1 11 To override the Standard Consumer Fee o
22. 2 ATG RESOURCE User Manual ATG 5 15 s Hl 2G 8 EH Unlock this HUD Jump to Next Section Expand All Sections The Expand All Sections and Contract All Sections buttons are only visible on the Page Two Contract All Sections tab Help Refresh Title Services Report GFE Bucket Allocation HUD 1 Addendum Status Current Status of the HUD A Sale Price or Loan Amount has changed Check Premiums A No Valid Proration Date has been Specified Hotkeys HOTKEY DESCRIPTION lt 17 gt lt gt lt Ctl gt lt gt lt Ctl gt lt gt lt Insert gt lt Ctl gt lt Del gt lt Ctl gt lt Home gt lt Ctl gt lt End gt lt Ctl gt lt D gt lt Ctl gt lt K gt lt Ctl gt lt N gt or lt Page Down gt Go to previous line The Up arrow moves the cursor up one line at a time Go to next line In the sections that allow lines to be added or deleted pressing the Down Arrow on the last line causes a new line to be inserted or deleted if the current line is completely blank Go to the next field within the current line Go to the previous field within the current line Inserts a new line before the current line where applicable This applies only to the sections where lines can be added or deleted on page two Deletes the current line where applicable This applies only to sections where lines can be added or deleted Go to the first section of the current page
23. Assumption Certificate Comprehensive Endorsement has been approved for issuance with the Loan Policy Environmental Protection Lien Endorsement has been approved for issuance with the Loan Policy Location Endorsement has been approved for issuance with the Loan Policy Notes for Information Standard Loan Policy Endorsements Environmental Protection Lien EPL Endorsement has been approved for issuance with the Loan Policy for this transaction Comprehensive Endorsement has been approved for issuance with the Loan Policy for this transaction Location Endorsement has been approved for issuance with the Loan Policy for this transaction if requested Residential Buy Sell Endorsements Comprehensive Endorsement has been approved for issuance with the Loan Policy Environmental Protection Lien Endorsement has been approved for issuance with the Loan Policy Standard Exception Waiver Endorsement will be approved for issuance with the Owner s Policy upon inspection of a current survey receipt of a signed ALTA Statement review of special assessments and information that no one claims an interest in or possesses the property adversely Inflation Endorsement has been approved for issuance with the Owner s Policy Condominium Endorsement Condominium Blanket Endorsement has been approved for issuance with the Loan Policy Planned Unit Development Endorsement Planned Unit Development Endorsement has been approved for issuance with the Lo
24. END Restrictions 3 END Revolving Credit 1 END Revolving Credit 2 END Std Exception Waiver 1 END Std Exception Waiver 2 END Survey END USA END Usury END0O6 Access Direct ALTA 17 ENDO6 Access Indirect ALTA 17 1 ENDO6 Assign Date Down ALTA 10 1 ENDO6 Assignment ALTA 10 ENDO6 Comprehensive 1 ENDO06 Condominium ALTA 4 ENDO6 Condominium2 ALTA 4 1 ENDO6 EPL ALTA 8 1 ENDO6 First Loss Multiple ALTA 20 ENDO6 Fut Adv Knowl ALTA 14 1 ENDO6 Fut Adv LOC ALTA 14 2 ENDO6 Fut Adv Priority ALTA 14 ENDO6 Fut Adv Rev Mort ALTA 14 3 END06 Leasehold Loan ALTA 13 1 END06 Leasehold Owner ALTA 13 ENDO6 Location Map ALTA 22 1 END06 Location ALTA 22 END06 Mezzanine Finance ALTA 16 END06 Mfd Hous Con Loan ALTA 7 2 ENDO6 Mfd Hous Con Owner ALTA 7 1 ENDO6 Mfd Hous ALTA 7 ENDO6 Mortgage Mod ALTA 11 ENDO6 Multiple Mortgage ENDO6 Nonimput Add Insured ALTA 15 1 ENDO6 Nonimput Full Equity ALTA 15 ENDO6 Nonimput Part Equity ALTA 15 2 ENDO6 PUD ALTA5 ENDO6 PUD2 ALTA 5 1 ENDO6 REM Improv Owner ALTA 9 2 ENDO6 REM Improv Owner ALTA 9 5 ENDO6 REM Loan ALTA 9 3 ENDO6 REM Unimp Owner ALTA 9 1 ENDO6 REM ALTA 9 ENDO6 REM Unimp Owner ALTA 9 4 ENDO6 Street Assessment ALTA 1 END0O6 Subdivision ATG REsource User Manual ATG 5 15 ENDO6 Tax Parcel Multiple ALTA 18 1 ENDO6 Tax Parcel Single ALTA 18 ENDO6 Truth In Lending ALTA 2 ENDO6 Utility Facility ENDO6 Var Rate Mortgage ALTA 6 ENDO6 Var Rate Mortgage ALTA 6 2 ENDO6 Zoning Improved ALTA 3 1
25. EPA Disclaimer Disclaimer This Chain of Title alone may not be used as the basis for the issuance of an ATG commitment or policy The liability of Attorney s Title Guaranty Fund Inc in connection with this search report is limited to actual damages arising out of an error contained herein but in no event shall said liability exceed the charge of this report This report does not make representations as to the presence of hazardous products or conditions on the subject property and in no way has or assumes any liability whatsoever The documents listed in this report are the recorded documents that appear of record to create any fee land contract interests leasehold environmental liens restrictions and covenants affecting the land environmental encumbrances or easements related to environmental nature from said county effective date of February 21 2006 to a period prior to 1940 as required by the Environmental Protection Act 88 602 State of Illinois State Senate Bill 41 Environmental Property Risk Assessments EPRA Standards and ASTM Requirement Standards Deceased Probate No Will Claims against the estate of PR name of deceased ST1 1 deceased Federal estate and Illinois estate taxes which may be charged against the estate of RP 1 deceased Statutory rights powers and duties of the Independent Executor Administrator of the estate of RP 1 deceased Decedent Estate Exception Subject to the rights of
26. File Data Entry Utilities Window ATGF Extensions Help mi Fited fos ci amp E Personal Settings New File New File Mo Suggest Jump To File Ctrl Locate File File gt New File and Barney Seller TO Bart J Buyer 1234 Maple Lane Chicago IL 60609 Add File Number Locate File by Prop Locate File by Buyer Seller Super Search Change Branch Change 755 Type Import File Tax ID Search Form Tax ID Search Form Before creating a new file please check to see if there is already an open file for your property by searching for the property s Tax ID Number Enter Tak ID Mumber P GFNo Taw Address ity State Zip OnenDate 040237300515 O01 14 54 182 005 2 06 N Springdale Peoria IL 1145 2004 O40S07000678 001 14 35 134 017 3919 N E Madison Peoria IL 61603 672172004 050044100282 001 694000 H6 West Man San Jose IL 62682 1 74 2005 050044100314 001 577000 Mulberry Street San Jose IL 62682 2834 2005 O50044100514 001 504000 213 west Walnut San Jose IL 2834 2005 050044100323 001 1 792000 22302 Kohl Street Topeka IL 2824 2005 050044100336 001 226000 oT 4 S144 TE Allens Grove Tell 34342005 050044100336 001 229000 E 172 5E 1 4 16 21 Allens Grove Tell 3434 2005 050044100336 001 365000 E 172 54 144 29 2 Allens Grove Tell 34342005 050044100336 001 366000 E 172 54 144 29 4 Allens Grove Tell 3434 2005 050044100363 001 512000 13H Third San Jose a Open Selected Create
27. HUDA o O Charges That Cannot Increase HUD 1 Line Number D Our origination charge 801 0 00 Your credit or charge points for the specific interest rate chosen 802 Your adjusted origination charges 803 Transfer Taxes 1203 5 975 00 a When opening page 3 the HUD 1 column automatically populates Lines 801 802 803 and 1203 b You must enter the amounts in the Good Faith Estimate column These amounts should be the same as the amounts shown in the HUD 1 column The next section is for Charges That in Total Cannot Increase More Than 10 Charges That in Total Cannot Increase More Than 10 Government recording charges 1201 Total Increase between GFE and HUD 1 Charges 0 00 or 0 00 a HUD line items populate the amount in the last column Line 1201 is an automatic line b Lines can be added by clicking the line number tabbing down and entering another HUD line number which will fill in the description and the HUD amount Charges listed on the GFE must be added manually C Lines can also be added using the toolbar that appears when the mouse is moved to the right of the HUD 1 column heading Good Faith Estimate HUD 1 i d The totals appear at the bottom of the section along with the Increase between GFE and HUD 1 Charges shown as both a dollar amount and a percentage showing if the increase 1s within tolerance You will then need to make the necessary adjustments The third section is used for
28. Order Entry Ee E Main Buyer Seller Loanmisc Property 2 Sellers E EE PL Jd Sellers Jones John ra Edit Buyer Seller ft fje I Business Name Notes View All Buyers Sellers First Mi Last Ext Gender mi John ones Attorney 9001 rest Member Nm2 Relationship of 2nd Person to First sl Husband Partner e Buyers Address 123 Test Dr City State Zip Do Not Generate 1099 Champaign T led gt F Allocation 50 Home Phone Work Phone ax FE Allocation Amount 150 000 00 I Receive Prop or Services Allocation Amount Sellers Do Not Generate 1099 xj x e Auto 1099 Proceeds Distribution 1099 Information You can change the percentages to unequal amounts in one of these ways after you have marked the Override Auto 1099 Proceeds Distribution for each Seller 1 11 111 Enter a different percentage in the Allocation field The program will then calculate the Allocation Amount as the entered percentage of the Sale Price Repeat this procedure for each seller If you want to allocate specific amounts rather than on a percentage basis delete the number from the Allocation field and enter the specific amount in the Allocation Amount field for each Seller To make sure you balance for multiple Sellers you can also click the View All Buyers Sellers button LI to display the Buyer
29. Payee select either Agent or Buyer Seller to search for a payee A list of agents or buyers sellers appears that allows you to search for all names entered as agents vendors or buyers sellers for any order in the Complete Closing Enterprise database Use the drop down list to sort the list by one of the column headings Total Amount Enter a check amount Edit checks using the Check Browser The amount cannot be changed Enter new checks using the Quick Check Entry option entering a monetary figure Do not include the dollar sign in your entry Void Date Add or change a void date Enter the date in MM DD YY format or lick the Calendar button FA to select a date If you leave the field blank the check will not expire Reconciliation Select a new reconciliation date from the drop down list or leave the field blank to have no reconciliation date OK Click the OK button to complete the request Cancel Click the Cancel button X Cancel to exit the screen without saving changes XV DEPOSIT EDITOR A To open the Deposit Editor screen use one of these methods l Click the Quick Deposit Entry button 2 Select Tools gt Quick Deposit Entry 3 Click the Edit button from the Deposit Browser screen or 4 Press lt Alt gt lt T gt then lt T gt Deposit Editor File Deposit Date Type Funds r q F4 zl Payor Amount Me ES Description Received By Reconcihation Clear Slip Deposit Slip Verified Date
30. by reason of Exception No PR Enter Schedule B Exception numbers of other lienors IN1 10 5 United States of America by reason of Exception No PR Enter Schedule B Exception number for tax lien if appropriate IN1 4 NOTE Compliance should be had with the provisions of Section 2410 of the Federal Judicial Code 28 U S C A and in connection therewith the following information is furnished ATG RESsourRce User Manual Page 14 27 ATG 5 15 The Notice of tax lien noted at Exception No RP 4 was filed by the District Director of Internal Revenue at PR Enter name of city where IRS office is located ST1 5 Illinois against PR Enter name of person against whom tax lien is made ST1 6 in the office of the Recorder of Deeds of PR Enter name of County where tax lien is recorded ST1 7 County Illinois on PR Enter date when tax lien was recorded DT2 8 as Document No PR Enter Document number of tax lien ST1 9 NOTE Attention is directed to the provisions in Section 2410 of the Federal Judicial Code requiring that any action to foreclose a mortgage naming the United States as a party under the Section must seek a judicial sale In the event a sale is not sought in the contemplated proceeding such proceeding will not affect the rights of the United States noted at Exception No RP 4 and the United States should not be made party thereto In addition we note the consequences of liens if any in favor of th
31. d Line 1104 Lender s Title Insurance displays outside the column e Lines 1103 and 1104 auto fill if the Premiums calculator is used If not press lt Ctrl gt lt QO gt or click the Override button aI to manually enter the amounts f Lines 1105 and 1106 display the total premium including endorsements g Lines 1107 and 1108 display the Agent portion and the Underwriter s portion respectively The lines auto populate if ATG Edit Services has been utilized To override press lt Ctri gt lt O gt or click the Override button a 1100 Title Charges EE ea Lake 1101 Title services and lender s title insurance to Test R Mem from GFE 4 1102 Settlement or closing fee to ATG Fees an 800 00 a m m R E 0 00 1103 Owner s title insurance to ATG Fees an from GFE 5 11 345 00 0 00 1104 Lender s tithe insurance 495 00 See to ATG Fees an See eee E a a 1105 Lender s title policy limit 200 000 00 495 00 E a 1106 Owner s title policy limit 300 000 00 51 345 00 D uereraranen 1107 Agent s portion of the total title insurance premium to Test A Mem 1 164 00 RSR TR PORT RSR 1108 Underariters portion of the total title insurance premium to ATG fees an 626 00 eran From GFEHS f General Line Disclosure Select to enter amount outside the column and include on Line 1101 Select to enter amount outside the column and include on Line 1103 Select to enter amount inside the co
32. s HUD or Seller s HUD prior to printing click the drop down arrow on the Preview HUD button and select from the drop down list 3 Publish to PaperlessCloser Click the Publish to PaperlessCloser button 4 To publish only the Buyer s HUD or Seller s HUD click the drop down arrow on the Publish HUD button and select from the drop down list 4 Switch to HUD 1 a Click the Switch to HUD 1 button ATG REsource User Manual Page 7 31 ATG 5 15 Page 7 32 10 11 12 13 Switch to HUD 1A Click the Switch to HUD 1A button ital to change the HUD to a simplified 1 A format This form displays only borrower lender information and the form has some different sub tabs as well as blocked access to other tabs You can only enter information into the tabs fields that pertain to buyer or borrower Lock Unlock the HUD a Click the Lock HUD button so the HUD cannot be altered b To edit the HUD click the Unlock HUD button C When you lock or unlock the HUD a confirmation message displays Click Yes to confirm and continue Tax Proration and Override System 5 Defaults to Standard Full override Please leave as is this allows for manual entry of dates and amounts for tax prorations Use a Template ET Click the Template button if a HUD template has been defined with appropriate defaults for this HUD Paid by Other Parties 3 Click the Paid by Other Parties button TE to pull up the P
33. were paid outside of closing they are shown here for informational purposes and are not included in the totals D Name and Address of Borrower E Name Address and Tax ID Number of Seller F Name and Address of Lender Anita Buyer and Second Buyer Bill B Buyer and Betty Buyer ABC Bank 111 Main 222 Oak 123 loan lane Chicago IL 60601 Chicago IL 60606 Chicago IL 60606 Tax ID G Property Location Complete address including legal description if necessary H Settlement Agent Name Address and Tax ID Number Attorneys Tithe Guaranty Fund Inc 2408 Windsor Place Champaign IL 61820 Tax ID 37 1222620 123 street Chicago IL 60606 Place of Settlement Settlement Date Test R Member 9 1 2009 111 Main Fund Suite 2 9 1 2009 Chicago IL 60666 bs Version 6 1 0 703 There are two tabs Page One and Page Two l Page One The Page One tab contains a Type of Loan Click the appropriate checkbox b Funding Date Enter the date the loan is funded disbursed c Status Select the current HUD Status from drop down list d Property Location Borrower Seller Sale Price Earnest Money Lender Information including Loan and Mortgage Ins Case Numbers Entered and edited in Order Entry Settlement Information and Date Entered and edited in Order Entry f Sections 100a 100b 200a 200b 400a 400b 500a 500b Page Two The Page Two tab contains Settlement Charges b Additional lines can be inserted
34. ALTA Statement to be signed by Borrower s If any party is required to bring in more than 2 000 00 to close this property the funds must be in certified form Survey Produce accurate survey reflecting proposed legal description of land to be insured Corporation Resolution Upon a conveyance or mortgage of the land provide a certified copy of proper resolutions passed by the stockholders and directors of the party in title authorizing the execution of the deed of conveyance or mortgage Standard procedures applicable in open bankruptcy Case No PR insert bankruptcy case no ST1 1 Trust Copy of trust showing all signators of trust and authorizing trustee to sell subject property Deceased Joint Tenant We should be supplied with satisfactory evidence establishing the death the testacy or intestacy the status of tenancy at time of death and the value of the Estate of PR Insert name of deceased joint tenant ST1 1 deceased and this commitment is subject to such further exceptions if any as may then be deemed necessary Deed Quit Claim Quit Claim Deed from DB SellerInfo NamelFirst NO DB SellerInfo NamelMI NO DB SellerInfo NamelLast NO and DB SellerInfo Name2First NO DB SellerInfo Name2MI NO DB SellerInfo Name2Last NO and spouses if any vesting fee simple interest of the subject property to DB BuyerInfo Name1 First NO DB BuyerInfo NamelMI NO DB BuyerInfo NamelLast NO and DB BuyerInfo Name2First
35. Address City State ail ATG REsource User Manual ATG 5 15 Buyer information eis Business Name Order Notes _ ee First Name Middle Initial Last Name Back to Top Phone Save as Template Submit Order First Name Middle Initial Last Name Relation to Name 1 Current Address Address City State X Zip Expand Collapse Attorney Name Address City State Zip NOTE Use only numbers when entering Sale Price Earnest Money and Loan Amount Invalid number entered 6 Using the Search feature a The Lender Mortgage Broker and Buyer s Attorney sections contain a Search button tai b Click the Search button before entering information in the fields Enter the search criteria ABC Lender in this example d Click the Search button The search results display at the bottom of the screen ATG RESOURCE User Manual Page 13 9 ATG 5 15 e Click the Add To Order link in front of the desired agent Lender Please enter the first couple of letters of the name you would like to search on Note You must search for an agent before you can add a new agent Lender Name hbc If the name does not appear in the search results click the button below to add the person s name and information Add New Lender Search abc displaying 3 of 3 results Add To Order abc LENDER Detroit MI Add To Order abc LENDER Suzy Qqqqq Chi
36. B To assist you in navigating quickly within the 2010 HUD screen there are a number of toolbar buttons identified below The figure below identifies all of the buttons on the 2010 HUD screen The Expand All Sections Fl and Contract All Sections Pal buttons are only visible on the Page Two tab Lender Breakdown HUD Setth nent 2 f Fa amp 0 6 ia G up 8 Print Preview HUD WARNING Sale Price Loan Amount Changed Status r HUD 1 Addendum WARNING Proration Override Exists Print HUD Statement L l Click this button to view print the entire HUD b To print only the Buyer s HUD or Seller s HUD directly to the printer click the drop down arrow on the Print HUD button and select from the drop down list Print Preview AUD Print Preview Buyers HUD Print Preview Seller s HUD 2 Publish the HUD Statements to PaperlessCloser af a Click this button to publish HUD to PaperlessCloser b To publish only the Buyer s HUD or Seller s HUD click the drop down arrow on the Publish HUD Statement to PaperlessCloser button and select from the drop down list Publish HUD Publish Buyer s HUD Publish Seller s HUD HT 3 Use a Template Click this button if a HUD template has been defined with appropriate defaults for this HUD i 4 Switch to HUD 1 E Click this button to Switch to HUD 1 Switch to HUD 1A al Not in use at this time Click this button to
37. Condominium Declaration Terms provisions covenants conditions and options in rights and easements established by the Declaration of Condominium Ownership recorded PR Enter date of Condominium Declaration recording DT2 1 as Document No PR Enter Document number ST1 4 Declaration Declaration of PR What type of declaration is this ST1 1 dated PR What is the date of thedeclaration DT2 2 and recorded PR What is the date the declaration was recorded DT2 3 as Document No PR What is the Document Number of the declaration ST1 4 Dedicated Road Rights of the public the State of Illinois and the municipality in and to so much of the land dedicated for road purposes by instrument dated PR Insert date of document DT2 1 and recorded PR Insert date of recording DT2 2 as Document No PR Insert Document number ST1 3 Deed into Trust without Powers The deed from PR Enter name s of person giving deed ST1 1 to PR Enter name s of person receiving deed ST1 2 recorded PR Enter date the deed was recorded DT2 3 as Document No PR Enter recorded Document number of deed ST1 4 does not disclose the terms and conditions of the trust The trust agreement under which title is held properly identified in writing by the grantor the trustee and the beneficiaries of the trust should be submitted for examination and this Commitment is subject to such additional exceptions if any as may th
38. ENDO6 Zoning Unimproved ALTA 3 MEO 24 Month Search Invoice MEO 24 Month Search Report MEO Buyer Policy Transmittal MEO Closing Info Request Member MEO Closing Info Request Lender MEO Escrow statement MEO Initial Search Report Metro East MEO Later Date Search Report MEO Lender Policy Transmittal MEO Member Policy Transmittal MEO Search Invoice MEO Wire Instructions NEW 05 09 19 Commit Prep Instruct NEW 05 09 19 DFI Compliance HUD rtf NEW 05 09 19 HUD 1200 1300 NEW 05 10 03 File Tracker NEW 05 10 03 Services NEW 05 10 03 Single Payee NEW 05 10 03 Void Change NEW 05 10 07 Illinois Transfer Tax Invoice NEW 06 02 09 1099 Update NEW 06 05 22 New 1099S Form NEW 06 07 01 New Documents NEW 06 11 06 HUD and Check Writing Access NEW 06 12 11 Request a Closing NEW 06 12 13 1099 Reporting NEW 07 02 08 2006 ALTA Forms New 08 04 28 Transfer Tax Application New 09 04 28 Closing Statement NEW 09 11 09 SpeedHUD NLT Att Inv 2010 Rockford NLT Att Inv Rockford NLT Commitment Schedule A NLT CPL Rockford NLT CPL Belvidere NLT CPL Crystal Lake ATG RESoOuRCE User Manual NLT Directions to Invest Funds NLT Fax Cover NLT Initial Search Report Crystal Lake NLT Initial Search Report Rockford NLT Invoice Search Only POL Construction Loan POL Notes for Information POLOG Commitment A Schedule POLO6 Commitment A Schedule 2 Mtgs POLOG Commitment B Schedule POLO6 Commitment Cover POLO6 Loan Cover POLO6 Loan Sched A 2 Mortgag
39. Go to the last section on the current page of the HUD Toggle the Debit Credit checkbox where applicable This works even when the checkbox itself is not visible if the line has the debit credit feature Toggle between normal and expanded view of a given section if the section has an expanded view Page Two is considered a full section Toggle on or off the Account Code column and working fields on page two It is suggested that this be toggled on at all times for processing Jump to the next section within the current page Page 7 25 HOTKEY DESCRIPTION lt Ctl gt lt P gt Jump to the previous section within the current page or lt Page Up gt lt Tab gt Press lt Tab gt to go to the next field within the current section If at the end of or the line press lt Tab gt to go to the first field on the next line If at the end of lt Shift gt lt Tab gt the last line press lt Tab gt to insert a new line in the dynamic sections on page two or go to the first field on the first line of the section Press lt Shift gt lt Tab gt to go to the previous field lt Ctl gt lt T gt Opens the prorations dialog in Sections 100b 200b 400b and 500b lt Ctl gt lt O gt Set clear overrides in Sections 700 800 900 1000 1100 and 1200 In Sections 800 900 1100 and 1200 this applies only to the current line In Sections 700 and 1000 it applies to the entire section lt Ctl gt lt R gt Opens the Premiums
40. Hanlon Edward Gancarz and Urszula Gancarz 1293766 030171000034 Joseph Gagliardo Theodore Lagios and Liza Lagios husl 1295447 0301 71000038 Midwest Bank and Trust Company as t Standard Bank and Trust Company 1296827 0301 71000023 Bethany O Reilly 1302088 0301 71 000050 John B Forehand and Heidi B Hamert James F Bernard and Allison F Berar 10 29 2003 Sort Data Fields Enter Member Number 1710 030998700983 Martin Deane and Holly Deane Miguel 4 Aaudia and Catalina Aaudia 11726 2003 mm ET LaSalle Bank M A Mark Sparacina Harold E Sewick Paul C Neumann and Kimberly Hubalit 1714 2003 pee REFINANCE Corey Ainecough 64152003 OO Sally Seller and Sam Seller Bob Buyer F Open Selected Cancel Selected File 040171000071 86 Records Found C Click the Order Status Filter to view files by Open New Closed or Cancelled files or click All to view all files D Enter the Member Number Region 0 users only ATG staff E To sort files by any category such as Seller or Member File Number click once on the category and the files will be re sorted alphabetically or numerically F To open a file highlight the file and click the Open Selected button pen Selected ocated at the lower left corner III SEARCH FOR A FILE BY FILE NUMBER A This option allows you to look up a file by the File Number Escrow Bank or Closing Date Use one of the following methods to access
41. If Property is exempt from stamps a 25 00 exemption fee is required Page 14 38 ATG REsource User Manual ATG 5 15 Bolingbrook The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF BOLINGBROOK As of the date of this commitment Bolingbrook tax rate is 3 75 per 1 000 00 payable by the Buyer and Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form Note If Property is exempt from stamps a 25 00 exemption fee is required Buffalo Grove The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF BUFFALO GROVE As of the date of this commitment Buffalo Grove tax rate is 3 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form Note If Property is exempt from stamps a 25 00 exemption fee is required Carol Stream The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF CAROL STREAM As of the date
42. In addition the guardian should file any bond required by Section 880 13 of the Wisconsin Statutes Statutory right powers and duties of the guardian of the Estate of PR Enter name of disabled person ST1 1 a disabled person Exception Decedents General Claims against the estate of PR Enter name s of Decedent s ST1 1 deceased Federal and Wisconsin estate taxes that may be charged against the estate of PR Enter name of deceased person ST1 1 Statutory rights powers and duties of the personal representative of the decedent if and when appointed Requirement Environmental Lien Environmental lien filed pursuant to Chapter 292 of the Wisconsin Statutes by PR Enter name of entity filing the environmental lien ST1 1 against PR Enter name of entity that environmental lien was filed against ST1 2 on PR Enter date that environmental lien was filed DT2 3 as Document No PR Enter environmental document number ST1 4 in the office of the Register of Deeds of PR Enter County where environmental lien was recorded ST1 7 County Wisconsin in the sum of PR Enter amount of environmental lien in dollars and cents CU1 8 Exception Foreclosure Post Sheriff s Deed Right title and interest of PR Enter name of person receiving deed ST1 1 under a sheriff s judge s deed dated PR Enter date of deed DT2 2 and recorded PR Enter date deed was recorded DT2 3 as Document No
43. Letters will be issued by ATG to the parties to the transaction if it is closed by ATG or its approved title insurance agent 9 If you are a lender your ATG Closing Protection Letter will be valid only if you receive it in one of the following two ways 1 as an email from the domain Qatgf com or 2 as a fax from a fax number that is in the range 312 224 0195 thru 312 224 0395 or 217 403 7400 thru 217 403 7459 oF Invoice for Title Charges The CPL fees will populate the second page of the Invoice for Title Charges INVOICE FOR TITLE CHARGES Miscellaneous Charges File No 100900101888 lu OMC NO 100900101888 OTHER SELLER CHARGES Other Charges TOTAL 1 State Regulatory Fee 2 Gap Risk Update 100 00 3 CPL Seller TOTAL SELLER MISCELLANEOUS CHARGES 153 00 3 OTHER BUYER CHARGES Other Charges TOTAL 1 State Regulatory Fee 2 Gap Risk Update 100 00 5 CPL Lender 4 CPL Buyer TOTAL BUYER MISCELLANEOUS CHARGES 153 00 CPL fees apply to residential transactions and non residential transactions under 52 000 000 when closed by ATG or an approved ATG title insurance agent Page 13 34 ATG REsource User Manual ATG 5 15 4 2010 HUD a The CPL fees will populate the Additional Title Services window and will Additional Title Services button La O Additional Title Services OI gt El l a Hl Payer Test R MemberxXXXKKXXHKHXHHAHHMHHX Line Description Payee Payee Na
44. Line 801 3 In this example the total amount on Line 801 is 1 000 00 to ABC Lender However out of that total amount 100 00 should be disbursed to Document Preparer Inc and 100 00 should be disbursed to Mortgage Network 4 In Check Writing the amount to ABC Lender will be 800 00 and separate checks will be created to Document Preparer Inc for 100 00 and Mortgage 1 Network for 100 00 M 501 Breakout Charges ojx 14 a e gt i Line Description Payee Payee Name Amount POC Amount Who POC Acc 1 Document Processing 1525541 Document Prepar 100 00 2 Underwriting Fee 1477894 Mortgage Adviso 200 00 X Cancel ATG RESouRCE User Manual ATG 5 15 Page 7 13 Page 7 14 11 111 5 Additionally the code Y in the Who POC field will add the amount to the lender s funds and create a check to the payee in Check Writing And the code X in the Who POC field will deduct the amount from the Lender s funds in Check Writing M 801 Breakout Charges Iof x H al be rl Document Processing 1525541 Document Prepar 100 00 Underwriting Fee 1477894 Mortgage Adviso 200 00 Mortgage Broker 139630 Broker Funding J Loan Commitment Fee 1420238 Lender Direct C 50 00 OK X Cancel 6 The Origination Charges Report prints an itemized list of fees that are included on Line 801 To print the Origination Charges Report click the Print button
45. Loan Amount 200 000 00 EScraw Bank 4 Sales Rep File Number 040900100165 Laan Amount 2 15 000 HG Escrow Bank I Sales File Number 040900100164 Desc Open Date 11 30 2004 Status OPEN Buyer Buyer Bert Close Date 12 07 2004 Underyriter ATG Seler Sellers Saily Sales Price 300 0o0 00 Clase Agent Lender ake LENDER Loan Amount 200 00000 Escrow Bank lt Sales Rep File Number 040300100165 ATG REsource User Manual Page 2 5 ATG 5 15 VIL SEARCH FOR A FILE BY THE TAX ID NUMBER PIN OR TAX KEY A File gt Page 2 6 New File To search for a file by the Tax ID Number Permanent Index Number or PIN click the Add File Number button or select New File from the File menu even though a new file is not needed Complete Closing Enterprise 5 1 SP2a File Data Entry Utilities Window ATGF Extensions Help fi 2 File Personal Settings 060900100592 cr 4 x F New File New File No Suggest Jump To File Ctrl J Lorata Fia Add File Number Locate File by Prop Locate File by Buyer Seller Super Search File Tracking d Tax ID Search Form L Tax ID Search Form x Before creating a new file please check to see if there is already an open file for your property by searching for the property s Tax ID Number Enter Tax ID Number GEO Tawi cress City State Zip OpenDate 040297300515 001 14 34 182 005 2706 N Springdale Peoria IL 11432004
46. Other E I Is Address Foreign M Signature Block Override Ed Address pa gl Sally Seller NKA Sally Seller Smit City State Zip Home Phone work Phone Cell Phot fi Be Xe Fax Sellers eE x cme Type a line then enter the name and click OK The new signature will appear on all documents containing a signature block Entry of 1099S Information and Allocation d REsource assumes the reportable amount is the purchase price that is entered as the Sale Price in the Main tab of Order Entry For a single or married couple as Seller the purchase price will be shown as 100 allocated to the Seller That information is shown in the lower right hand corner of the Seller screen in Order Entry ATG REsource User Manual ATG 5 15 ATG RESouRCE User Manual ATG 5 15 For a single or married couple Seller 100 of the proceeds are attributed to that Seller For multiple Sellers the program equally divides the proceeds among those Sellers If a second Seller Jones is added to this file the proceeds will be divided equally between Mary Seller and John Jones Please note that you must enter each Seller s Social Security Number SSN or Federal Tax ID Number in the Tax ID data field For federal tax reporting purposes married couples are generally treated as one taxpayer requiring only one SSN To allocate the proceeds between spouses make each spouse a separate Seller
47. PR Enter Document number ST1 4 and issued pursuant to judgment of foreclosure entered PR Enter date judgment of foreclosure was entered DT2 7 in the case filed by PR Enter name s of Plaintiff ST1 8 and against PR Enter name s of Page 14 76 ATG REsource User Manual ATG 5 15 Defendant ST1 9 in the Circuit Court of PR Enter name of County STI1 10 County Wisconsin Case No PR Enter casenumber ST1 11 and all persons claiming thereunder Requirement Foreclosure Commitment Amount of Insurance The Amount of Insurance shown in paragraph 1 of Schedule A hereof must be increased in an amount equivalent to the full value of the subject premises before the policy will be issued At such time an additional charge will be made in conformity with the established rates Requirement Domestic L L C Active Authority Furnish ATG with satisfactory evidence that the proposed deed or mortgage has been approved by a majority of the members of PR Enter name of LLC ST1 1 a Wisconsin Limited Liability company which approval should name the member or members authorized to execute the forgoing documents Furnish ATG with a certificate of status from the Wisconsin Department of Financial Institutions verifying the authority to transact business in Wisconsin The failure to produce the certificate will result in the policy or policies to be issued to contain the following exception Consequences if a
48. PR Insert Schedule B II exception No ST1 14 NOTE If it is known that any of the parties listed herein are deceased their heirs or devises should be made parties by name if known and if unknown by the name and description of UNKNOWN HEIRS OR DEVISEES OF such deceased person or persons If it is not known or cannot be ascertained whether any of said necessary parties be living or dead then such parties should be made parties by name and such persons as would be their heirs or devisees should also be made parties to the proceeding as UNKNOWN OWNERS In this connection we direct your attention to Sections 807 12 and 801 11 of the Wisconsin Statutes An affidavit of compliance with these sections should be provided to ATG NOTE In the event that there are any persons who are necessary parties to the contemplated proceeding but the names of such persons are unknown and unascertainable then and in that event only such persons should be made parties under the description of UNKNOWN OWNERS unless the contrary is herein indicated An affidavit of compliance with Sections 807 12 and 801 11 of the Wisconsin Statutes should be provided to ATG NOTE The proceeding will not affect the standard exceptions nor the exceptions noted in Schedule B II at No PR Insert Schedule B II exception s ST1 15 and our policy when issued will be subject to such exceptions unless satisfactory disposition thereof 1s otherwise made Exception
49. PR Insert date of subordination agreement here DT2 1 and recorded PR Insert date the subordination agreement was recorded here DT2 2 as Document No PR Insert Document number here ST1 5 made by PR Insert name s of persons making agreement here ST1 6 and given to PR Insert name s of persons receiving agreement here ST1 7 Taxes Forfeited PR Enter which installment 1st 2nd etc is unpaid ST1 1 installment PR Enter the year Y YYY of the forfeited taxes IN1 2 taxes of PR Enter the amount of the forfeited taxes CU1 3 not paid and forfeited on PR Enter the date when the taxes were forfeited DT 1 4 Taxes Real Estate Taxes for the year PR Enter the previous year YYYY INI 1 and thereafter First installment RP 1 taxes in the amount of PR Enter amount of the Ist installment prior year taxes CU1 2 are PR Enter whether PAID UNPAID amp DUE NOT YET DUE amp PAYABLE ST1 3 Second installment PR Enter the previous year YY YY ST1 9 taxes in the amount of PR Enter amount of 2nd installment prior year taxes CU1 4 are PR Enter whether PAID UNPAID amp DUE NOT YET DUE amp PAYABLE ST1 5 PR Enter the current year YYYY IN1 6 taxes not yet due and payable PIN No PR Enter PIN number for property ST 1 7 Commonly known as PR Enter street address city state and zip code for property ST1 8 Taxes Sold PR Enter which installment 1st 2nd et
50. Preemptive Rights Furnish ATG with a certificate executed and acknowledged by the Secretary of the Board of Managers stating that compliance has been made by the owners with the provisions of the Condominium Declaration or that said provisions relating to preemptive rights have been duly waived by the Board of Managers and the rights of the Board thereunder have terminated Statute Limitations and conditions imposed by the Illinois Condominium Property Act Assessments Wisconsin Furnish ATG with a certificate executed and acknowledged by the Secretary of the Board of Managers Directors stating that there are no unpaid assessment liens arising by reason of the nonpayment of assessments as per the Condominium Declaration Condominium Commitment Wisconsin Terms provisions covenants conditions and options in rights and easements established by the Declaration of Condominium Ownership recorded PR Enter date of Condominium Declaration recording DT2 1 as Document No PR Enter Document number ST1 4 as amended from time to time Limitations and conditions imposed by the Wisconsin Condominium Ownership Act Furnish ATG with a certificate executed and acknowledged by the Secretary of the Board of Managers Directors stating that compliance has been made by the owners with the provisions of the Page 14 12 ATG REsource User Manual ATG 5 15 Condominium Declaration or that said provisions relating to preem
51. The Seller name will now be coded into this exception To check the exception open Complete Closing and select a file Click the Commitment Policy Preparation button amp select the Sched B tab and then the Exceptions sub tab Click the Lookup Standard Language Items button select the Your Name Category and double click the newly created exception The exception will appear in the text area complete with the Seller name H Edit Standard Language l To edit Standard Language close Complete Closing and return to the Standard Language program by clicking the Standard Language icon on the REsource desktop 2 Locate your Category by clicking the Lookup Category button FF ATG REsource User Manual Page 13 5 ATG 5 15 II Page 13 6 4 Using the Navigation buttons a a i i jo cate the exception language The language will display in the text area available for editing NOTE Only Standard Language created in your region can be edited Standard Language created in a region can only be viewed by users in that region In addition please refrain from adding standard language to existing categories created by ATG as these may be updated from time to time ORGANIZATIONAL FEATURES Standard Language items can be organized into packages groups of standard language Codes can be assigned to Standard Language items instead of descriptions A Packages l Packages which group exceptions together can
52. Whether any lien security interest or encumbrance affecting the mobile home or component housing unit and shown in the title registration bill of sale or certificate of sale has been properly cancelled g A U C C Financing Statement search h The effect of applicable U C C state law in regard to an out of state purchase of a mobile home or component housing unit MORTGAGE Assignment of Mortgage Assignment of Mortgage from PR Enter name of original lender ST1 1 to PR Enter name of lender receiving assignment ST1 2 dated PR Enter the date of the assignment DT2 5 and recorded PR Enter recording date of assignment DT2 5 as Document No PR Enter Document number of Assignment ST1 3 which assigns the Mortgage recorded as Document No PR Enter Document No of assigned Mortgage ST1 4 Assignment of Rents Assignment of Rents dated PR Enter date of Assignment of Rents DT2 1 and recorded PR Enter date Assignment of Rents was recorded DT2 2 as Document No PR Enter recorded Document number of Assignment of Rents ST1 5 executed by PR Enter name s of person granting the Assignment of Rents ST1 6 and given to PR Enter name of lender receiving the Assignment of Rents ST1 7 Financing Statement Financing Statement UCC 1 dated PR Enter date of UCC statement DT2 1 and recorded PR Enter date the UCC statement was recorded DT2 2 as Document No PR Enter recorded Document numb
53. X Cancel b Enter a file number or click the Lookup File Number button Fi to select a file from the Select File Number screen C Select the Include The Check Lines check box to include all of the Line Item Numbers Amounts and Descriptions for each check paid to each payee Do not check this option if you want the report to only include the total amount paid to each payee d Click OK to run the report or click Cancel to exit without saving changes ala File Balance Query for File 130900102659 Bank RQTEST Bank Sales Price 100 000 00 Buyer E Buyer Loan Amount 90 000 00 Seller George Seller Check Date Check Number Payee Cleared Disbursed Undisbursed No Payee Indicated 1 300 00 ime item Amount Descriptien 1111 Gap Risk Update County Tax Stamps State Tax Stamps 1211 750 00 City Tax Stamps Buyer Pays 1212 300 00 City Tax Stamps S eller Pays Test R Member 1 080 00 ime item Amount Pescuptren 1101 80 00 Gap Risk Update 1101 100 00 Gap Risk Update 1101 500 00 Owner Policy Premium 1101 1 250 00 Owner Policy Premium 1101 10 00 Mortgage Policy iba 3 To print the report click the Print button To adjust the display size use the Zoom buttons F Open Invoices Not Available for REsource Users ATG RESOURCE User Manual ATG 5 15 Page 9 31 G Bad Deposit Slip Report l The Bad Deposit Slip report displays all orders with one or both of the following problems a The deposit slip
54. a Our policy when issued will be subject to direct attack upon the judgments and orders entered in the proceeding b Our policy when issued will be subject to any right or asserted right of a creditor trustee or debtor in possession in bankruptcy to avoid a transfer of title by sheriff s deed or otherwise pursuant to Title 11 U S C Bankruptcy or any creditor s rights law or state insolvency law c Upon the filing of the complaint a proper Lis Pendens under Section 2 1901 of the Code of Civil Procedure must be recorded in the Recorder s Office of County Illinois d The following persons are necessary parties to any such proceeding 1 or successor in interest as party plaintiff 2 the record owner s as party ies defendant e The following persons must be made parties defendant to the foreclosure if it is desired that their interests be barred by the proceeding 1 All parties acquiring rights in the premises subsequent to the date of this commitment and prior to a recorded Lis Pendens 2 Any person other than those herein named known to the Plaintiff or the Plaintiff s attorney to have or claim an interest in the premises 3 All persons in possession of any part of the premises in question and all persons whose rights would be disclosed by an inspection of the premises 4 by reason of exceptions inclusive ATG RESsourRce User Manual Page 14 31 ATG 5 15 5 All persons in the chain of c
55. and include with the Loan Policy IV INSURED MORTGAGE Instructions for completing the Insured Mortg sub tab A B Page 10 4 Select the Insured Mortg sub tab The Insured Mortgage text area displays Enter the new mortgage exception if any or click the Lookup Standard Language Items button Select Mortgage from the Category drop down list select the New Mortgage Exception and answer the prompts The new mortgage exception will automatically appear on the Loan Policy Schedule A ATG REsource User Manual ATG 5 15 B Commitment Policy Binder Commitment Policy Logging Ql Cmt Sched A SchedB Policy Policy Options Owner Policy Number 100900101807 01 BB BB ose e20 EX tine f aj C anr Mortgagee Policy Number 1009001 01807 01 lB Underwriter Report Date A EPE TA Owner Premium 41 445 00 2 Mortgagee Premium 595 00 3 Premiums Al 4 3 E EJE Insured Mortg ortgage dated June 3 2010 and recorded June 4 2010 as Document No 12331333 executed by Bart Buyer and given to ABC Bank to secure a natein the amount of 200 000 00 and such other sums as rovided therein Insured Mortg Owner Sched B Mortg Sched B Mortg Sched B Il Insured Mortg Title Vested In Vested In D The new mortgage exception will not automatically appear on the Owner s Policy Schedule B Please follow the instructions below to copy the new mortgage exception to the Schedule B of the Owner s Polic
56. lt F1 gt by clicking the Help button located on data entry windows or by clicking the Help menu I File Locking l Security has been added to REsource to prevent multiple users from accessing the same file at the same time File Locking affects all data entry menus including Order Entry HUD Commitment Policy and Check Writing 2 This message will appear 1f you are attempting to gain access to a file that another user currently has open Information X User Name has the file 100707000012 locked since March 5 2010 11 54 AM DD The file will be loaded as Read Only 3 You may access all data entry menus for a file that another user is working on but the file will be Read Only 4 You may also a print documents for a file that is in read only mode or b select another file and try the read only file again at a later time 5 It is very important that you exit an active file when finished You can either go to another file or return to the REsource desktop Closing Complete Closing when not in use will also free up the file 6 If you need immediate access to the file you may contact the user or the ATG REsource Help desk at 888 776 4420 REMINDER When logging off of your REsource session do not use the X button at the top of the screen To logoff click the Start button M start at the bottom left of your screen select Logoff Es and click Logoff at the prompt ATG REsource User Manual Page 1 7
57. of the rerecorded document ST1 5 Sheriff s Deed Right title and interest of PR Enter name of person receiving deed ST1 1 under a Sheriff s Judge s Deed dated PR Enter date of deed DT2 2 and recorded PR Enter date deed was Page 14 68 ATG REsource User Manual ATG 5 15 recorded DT2 3 as Document No PR Enter Document number ST1 4 and issued pursuant to judgment of foreclosure entered PR Enter date judgment of foreclosure was entered DT2 7 in the case filed by PR Enter name s of Plaintiff ST1 8 and against PR Enter name s of Defendant ST1 9 in the Circuit Court of PR Enter name of County ST1 10 County Illinois Case No PR Enter case number ST1 11 and all persons claiming thereunder Special Assessments None Special Assessments None of Record Special Assessments Specific Special Assessments PR Type Special Assessment Information ST1 1 Subdivision Covenants Covenants conditions and restrictions contained in PR Describe the type of document ST1 1 dated PR Enter date of covenants DT2 2 and recorded PR Enter recording date DT2 3 as Document No PR Enter Document number ST1 6 but omitting therefrom any covenant or restriction based on race color religion sex handicap familial status or national origin relating to PR Describe the nature of the restriction if any ST1 7 Subordination Agreement Subordination Agreement dated
58. public records covering the period after the effective date of this commitment and through the date of recording of the condominium declaration and plat Requirement Condominium Assessment Certificate Furnish ATG with a certificate executed and acknowledged by an officer or agent of the Condominium Association or a Director of the Executive Board stating that the unit has no unpaid assessments for common area expenses or penalties there are no condominium assessment liens and there are no outstanding or contemplated special assessments Furnish ATG with a certificate executed and acknowledged by an officer or agent of the Condominium Association or a Director of the Executive Board stating the Condominium Association has no right of first refusal or the right of first refusal has been waived that during the period of sixth months preceding the date hereof that no work has been done or improvements made to the common elements that could result in a lien being filed against the Condominium Association except as identified in the certificate Exception New Condominium Construction Loan Policy Exceptions Terms provisions covenants conditions and options in rights and easements established by the Declaration of Condominium Ownership recorded as Document No PR Enter Document Number IN1 1 as amended from time to time its bylaws and association rules Limitations and conditions imposed by Wisconsin Statutes Chapter 703
59. referred to as the Wisconsin Condominium Ownership Act This commitment is subject to the review and approval of the Condominium Declaration and plat by the Underwriting Department of ATG This commitment is subject to such additional exceptions if any as may be disclosed upon a search of the public records covering the period after the effective date of this commitment and through the date of recording of the condominium declaration and plat Exception Corporation Domestic Active Any delinquent income or franchise taxes that may be due and payable to the State of Wisconsin Exception Domestic Corporation Dissolved PR Enter name of dissolved Wisconsin corporation ST1 3 a Wisconsin Corporation was dissolved on PR Enter date of dissolution of Wisconsin corporation DT2 4 We note the following with respect thereto and this Commitment is subject to the following exceptions 1 Rights of the creditors of said corporation including the United States of America ATG REsource User Manual Page 14 75 ATG 5 15 2 Right title and interest of the stockholders members of said corporation and those claiming under them 3 Any delinquent income or franchise taxes that may be due and payable to the State of Wisconsin Exception Foreign Corporation Active Any delinquent income or franchise taxes that may be due and payable to the State of Wisconsin Exception Foreign Corporation Dissolved PR Enter name of disso
60. to enter other receipts such as a deposit or interest do not use this function The ending balance for all receipts and disbursements you have marked as reconciled The sum of Cleared Disb and Other Disb The sum of Cleared Rec and Other Rec The difference between the Ending Bank Bal and Your Ending Bal When this figure is Zero 0 the entire lower area of the screen is highlighted with a yellow background ATG REsource User Manual ATG 5 15 D The buttons on the Bank Reconciliation screen are described below M A New Recon Click this button to start a new reconciliation For more information on starting a new reconciliation see Starting a New Reconciliation Options Click this button to display options to be used with individual checks or deposits For more information see Bank Reconciliation Options below eg Print Reconciliation Ledger Click this button to display and print the ledger You will have the option to Print Only Marked Items or Print All Items After you make your selection the report is displayed in the Print Preview screen where it can be printed or saved The Bank Recon Ledger includes details on each check and disbursement including the information from the Bank Reconciliation screen as well as each item s file number and account balance figures that appear at the bottom of the Bank Reconciliation screen Use the Reconciliation Ledger to help resolve any discrepancies between your bank
61. you could select all checks and then select only those that are outstanding Select Range Allows you to select a range of checks by entering the beginning and ending check of Checks numbers Unselect All Shows all checks in the Checks display as outstanding You may want to select this Checks option if you have made a number of mistakes in the reconciliation process and you want to start over again Select All Selects and highlights all deposits in the Deposits display You may want to use this Deposits option if all or nearly all deposits displayed match the bank statement and are ready for reconciliation If a small number are not listed on the bank statement you could select all deposits and then select only those that are outstanding Unselect All Shows all deposits in the Deposits display as outstanding You may want to select this Deposits option if you have made a number of mistakes in the reconciliation process and you want to start over again ATG REsource User Manual Page 9 5 ATG 5 15 OPTION DESCRIPTION Clear Current Check to Other Recon Clear All Marked Checks to Other Recon Clear Current Deposit to Other Recon Clear All Marked Deposits to Other Recon Unclear Marked Checks Unclear Marked Deposits Delete Reconciliation If a check was missed from a previous reconciliation highlight it in the Check display and then select this option The Find Other Recon screen opens allowing you
62. 14 17 DECEO NT Oe nee Rea me aR Eten a On A OE nee eT Ree rere meee Me CE NEES Or Sem ery AAE Tee AEA 14 18 DE ee ere et A Pe ee Ee Nee ee ese Teeny een Say eee ee In See nee en ee eet ee nT ere eer ee en ee on ete nee 14 20 B APD ER er nn en een ROSE AAA en PROT SE Sete ae ONTO Sete oe TRS Ueto eI E AE me 14 20 A cl arene tn ote ene IE reece one mn ter tee een R cnc ee ene A ey Omen oe ene Per SRE Se See meer ew Re IE Cone ae 14 21 14 21 A nine acto E A A 14 21 A E nha 14 21 RAS COQ CL VENTES N TU ER ER RS 14 22 OS T A tactic sencets ete dace see oe cot tsps seteasecetecnteas A E A A 14 23 A 14 23 CP oe eres scores ote eset sepa cease EA 14 24 I UM Ecosse cece ses gee ect eect tte serene O E E E A EET 14 25 OG e oe shes ge tases tas aoc tn seein stiea cece seeceins ae ieee eacecencctaee E EET 14 25 TF pac essences osama es tsi AE satbsdanweceaacasinseitexcosancontencelessienssdenracee teats 14 26 MV access PT tescse ce E seg ms as seco oc ing ene ase tas a oe cis nese das ASA E 14 28 Re acess 14 28 INSTALLMENT Caracas cis we A tiger ees EEEE EA EEA 14 28 a 14 29 Re 14 29 a A A mea ees eaeoneiaaee 14 30 E cps cetaceans ssc Be seers E et 14 31 a tees sr nde concen EE seus qsacesnieecatesicaiates atec ues eceaneioes 14 31 OR OR a a ee E A toee qaieneenees 14 33 OR de Meee aieneenoes 14 34 PR GOES ee ee en oe eae nee eee ETS ATeE OOO emcee ne era ee we OO ARE TCE OPP TE Oe PE Tem Ser ae Ene Te ee ONE ETE Tr 14 34 KEO LE ONE ai ee cates
63. 555 555 8888 Contact Loan 2 Contact Broker 123 main County COOK Y Contact Aurora State IL Zip Company 100 000 00 Contact Phone Ext Contact Fax Memo Buyer s Attorney Name Buyer Attorney Ania B Buyer Andy 4 Buyer Phone 555 555 5555 333 Oak Fax 555 555 5556 Chicago State IL Zip Seller s Attorney Betty S Seller Barney S Seller Name Test Member 1234 Maple Lane Phone 555 555 5555 Chicago State IL Zip 61109 Fax 555 555 5554 1 Closing information print 5 Closing Information Requested Misc Notes Date 04 18 2006 _ Respa TG M i BTG Time 9 00AF Checks ATG v Lender Confirmed Package TG bd arara Date EE Provider Time _ Date Taken _ Save 1 2 Requested Date and Time Entering the closing date will indicate to ATG Closing Services that you have requested a closing a Date Required To enter the closing date click in the Date field A calendar will display Select the closing date b Time Required To enter the closing time click in the Time field A list of times will display Select the closing time NOTE The requested closing date must be entered and saved If the requested closing date is not entered and saved the closing request cannot be processed Lender Confirmed Date and Time Date and time the lender confirmed the closing ATG REsource User Manual ATG 5 15 3 4 5 Miscellaneous M
64. Agent ATG REsource User Manual Page 3 7 ATG 5 15 H Adding a New Agent l To add an Agent to the Agent Vendor List click the Insert New Agent button a Agent endor List Mame IET News agent 118624 Edit Agent Address City State Zip Select Phone Fax Category A Contact First Mame Contact Last Name EE ee Friendly Mame Place of Closing E Mail 4 dd ai ress Realtor Motes 2 Complete Closing assigns a sequential ID number to each Agent Enter the Name Address Phone Fax and Contact information 1f known 3 Select the Category type for this Agent a Attorney b Home Inspector C Lender d Misc 1 e Misc 2 f Mortgage Broker g Pest Inspector h Place of Closing 1 Realtor J Recording Office k Search Provider or l Surveyor NOTE Always select the proper category for each agent Agents without a category will be difficult to find 4 Click OK when finished Not all fields are required Page 3 8 ATG REsource User Manual ATG 5 15 II EDITING AN AGENT A Right click in a data entry field that uses the Agent Vendor List and select Edit Agent or press lt Ctrl gt lt E gt B Click the Edit Agent button Edit Agent to edit the information E Agent endor List x General Info Name IDNum aBC Bak 1551 el Xl De o image gt Address arent Agent 123 loan lane s Label FE E Cit St ake Vie meek Chic
65. Cancel to exit the Book Balance screen The Book Balance report displays with the beginning balance you entered details on all receipts and all disbursements and the calculated ending balance Depending on settings in Complete Closing Supervisor the report may include the closing agent s initials next eae a to the file number From there print the report by clicking the Print button or save the report by clicking the Save button A To adjust the display size use the Zoom buttons Page 9 9 VIL ESCROW TRIAL BALANCE A Page 9 10 The Escrow Trial Balance is the second of the three components of the Three Way Balance The Escrow Trial Balance displays the following items for the selected escrow account and date Every file with a non zero balance with its woe ae e Total Receipts balance Total Disbursements balance Total Account balance Last Activity Date Escrow Memo if entered on the Check Writing screen Use the Escrow Trial Balance after you have completed the month s Bank Reconciliation for an account The final Bank Total for an escrow account must match the Book Balance and the Reconciled Bank Balance To run the Escrow Trial Balance Report I Click the Escrow Trial Balance button 2 or press lt Alt gt lt R gt then lt E gt or select Reports gt Escrow Trial Balance The Escrow Trial Balance screen opens av Book Balance Escrow Trial Balanee Select Bank
66. Charges That Can Change Charges That Can Change Initial deposit for your escrow account 1001 Daily interest charges 901 Homeowner s insurance 903 Lines 1001 901 and 903 are required lines and populate automatically b You must enter the GFE amount C Lines can be added by clicking the line number tabbing down and entering another HUD line number which will fill in the description and the HUD amount You will need to add the charges listed on the GFE d Lines can also be added using the toolbar that appears when the mouse is moved to the right of the HUD 1 column heading Good Faith Estimate HUD 1 The fourth section is used for Loan Terms Info for HUD 1 HUD 1A Form a The Initial Loan Amount Loan Term and Initial Interest Rate automatically populate from the Order Entry Loan screen All other amounts must be entered manually b Yes No Drop downs 1 Selecting Yes activates a series of sub fields that must be filled in ATG REsource User Manual ATG 5 15 I ATG RESouRCE User Manual ATG 5 15 11 Subfields are inactive greyed out when No is selected Loan Terms Info for HUD 1 HUD 1A Form Initial Loan Amount Dollar and Cents 450 000 00 Loan Term Years fo Initial Interest Rate Percentage 0 Initial Monthly Amount Owed for Principal and Interest PI fj 0 00 Initial Monthly Amount Owed for Mortgage Insurance MI 000 Total Initial Monthly Amount Owed fo
67. City of Milwaukee Properties This commitment does not insure against charges imposed by the City of Milwaukee Department of Neighborhood Services Residential Rental Inspection RRI program This exception will be removed upon receipt of satisfactory proof that the property is not located in the target areas or upon delivery of an acceptable RRI Inspection Certificate that is currently in full force and effect For more information link to http www city milwaukee gov DNS This commitment does not insure against charges imposed by the City of Milwaukee Department of Neighborhood Services Vacant Building Code Registration and Maintenance program This exception will be removed upon receipt of satisfactory proof that the property has been occupied at all times during the current calendar year or that the property is exempt from compliance or that the property is or was properly registered with all fees paid during any period of vacancy and that all maintenance requirements were complied with during such period For more information link to http www city milwaukee gov DNS This commitment does not insure against charges imposed by the City of Milwaukee Department of Neighborhood Services DNS for special charges pertaining to code compliance rent withholding fire ATG REsource User Manual Page 14 83 ATG 5 15 inspections code violations work orders and other special charges This exception will be removed upon receipt of satisfacto
68. Date and Taxes Redeemed Date fields are used by ATG Page 3 21 4 ATG Services AS ATG 4 ATG SERVICES The ATG Services screen has two functions The first is to select services that are required for each transaction and the second is to calculate all title related fees automatically for the Invoice for Title Charges Closing Statement HUD 1 Settlement Statement Check Writing and Accounting Information Schedule AIS It is important that all services and any revisions to services be entered on this screen prior to preparing the Invoice for Title Charges Closing Statement HUD 1 Settlement Statement Check Writing and the AIS Fees for services are based upon several factors such as Location of the property state county and city Purchase price Loan amount Search Provider The above information must be entered in the Order Entry section of Complete Closing Enterprise before selecting services I EDIT SERVICES A To edit or select Services from the ATG Edit Services screen click the Edit Services button i or select Edit Services from the ATGF Extensions menu or press lt Alt gt lt E gt B Complete Closing Enterprise 6 5 Edit Services The ATG Services Summary window displays all services and charges thus far selected ATG Services Summary File Data Entry Utilities Window ATGF Extensions Help Si E a fa A Member Search E attachments i Edit Services Alt E x
69. Date Transaction ID Type of Funds minors HA Bankasza x Expected Wire Reference Number E ATG REsource User Manual Page 9 33 ATG 5 15 Page 9 34 b Create any disbursements such as bank fees in the Check tab Be sure to change checks to wires z Status Press 897 RECONTEST Bank New Del Line Chg Payee Split _ gt gt re Print Undo Void Delete Hold Undo anf Stop Pay Pay To gj sun QE Die Recon Date bank 897 10 00 24 2013 2 28 2013 bank 987 1 400 00 Wire Wire ate 2 14 2013Status issued D 10 00 C To change a check to a wire 1 Click the Transfer button Bank G97 RECONTEST Bank Mew Del Line Cha Payee Split ral gt ER 11 Check the Wire Transfer s check box Bank 697 RECONTEST Bank M Wire Transfers Transfer to Other File Wire Amount i 0 00 ire Number Date of Wire josv28v201 3 A Once the Control file is created receipts and disbursements can be added in Complete Closing Escrow Accounting Add a Disbursement to the Control File l Open Complete Closing Escrow Accounting at Complete Closing Escrow Accounting 7 0 File Tools Utilities Reports Window Help 2 Click the Quick Check Entry button E to open the Check Editor File Mumber Date bank 897 rl 9 Wire al 6 5 6 2013 FA lssued By Total mount Pay To the Order Of First National Bank 10 00 Void Date Reconcilia
70. Delete Selected Deposit Highlight the line and click this button to delete the entry l Close Click this button to exit the Expected Wires screen EF Deposit Date This date is the date used for accepted deposits The default is the current date you can change it by entering a new date or by clicking the Calendar button to select a date XXIV ACCOUNTING CODES Not Available for REsource Users XXV ACTIVITY HISTORY A B C The Activity History can be useful when investigating discrepancies To access the Activity History screen select Tools gt Activity History From this screen you can search by File Number Date Range and or Person Each check or deposit record stores the Action Date Time Type Action Person File Amount Check Number Item Date and Payee Click the Print button to view and print the results of the search XXVI ESCROW ROUNDING FIX A Page 9 26 Use the Escrow Rounding Fix utility to fix amounts on deposits checks orders and deposit slips that may have been rounded incorrectly This may help you balance if your numbers are off by only a few cents To open the Escrow Rounding Fix screen select Tools gt Escrow Problem Fix or press lt Alt gt lt T gt then lt F gt When you run this option the system automatically fixes amounts and displays the results on the screen ATG REsource User Manual ATG 5 15 XX VIT OTHER ESCROW ACCOUNTING REPORTS Several additional re
71. File Number To search for a specific file number enter it in the File Number field Bank From the Bank drop down select the bank account you want to search or select all banks to make the search unrestricted by bank account Navigation Use the Navigation Arrows Dafal 0 to scroll through the Arrows list Clearance From the Clearance Status drop down select one of the following Cleared Deposits Status Only Uncleared Deposits Only or All Deposits Apply Enter your search criteria in the top portion of the screen and click the Apply button Apply for the results ATG REsource User Manual Page 9 21 ATG 5 15 After you have retrieved one or more deposits browse and select the check s that you want to modify To select more than one deposit hold down the lt Ctrl gt key as you click each one Edit selected deposits by using the following buttons BUTTON FUNCTION Deposit Date Deposit Date Click this button to change the deposit date NOTE You may not be allowed to pre postdate deposits beyond the allowable range as defined in CCSupervisor by your System Administrator FAR Verified Date Verified Date Click this button to change the verified date Fy Recon Date Recon Date Click this button to change the reconciliation date or remove date from reconciliation Bank Bank Click this button to change the bank account NOTE ff the order that you want to change the Escrow Account for has a deposi
72. From the Bank drop down select the bank account you want to search or select all banks to make the search unrestricted by bank account File To search for a specific file number enter it in the File field Number To search for a range of check numbers enter the beginning and ending numbers of the range To search for a single check number enter the number in the first Number field Amount To search for a range of amount figures enter the low and high amounts To search for an exact amount enter that figure in the first Amount field The decimal point is optional for whole dollars Do not include the Dollar Sign in your entry Date To search for a range of check dates enter the beginning and ending dates To search for an exact check date enter the date in the first Date field or click the Calendar button Eg to select a date Apply Enter your search criteria in the top portion of the screen and click the Apply button br for the results Navigation Use the Navigation Arrows 2 ai wis to scroll through the Arrows list Close Click the Close button ai to save your changes and close the screen ATG RESouRCE User Manual Page 9 19 Page 9 20 After you have retrieved one or more checks you can browse and select the check s that you want to modify To select more than one check hold down the lt Ctrl gt key as you click each one Edit selected checks using the following buttons BUTTON FUNCTION Date
73. Henry T Seller 37 296 11 gt O 0 00 0 00 0 00 G Begin comparing the bank statement items with the checks and receipts displayed To mark an item as reconciled click on the item which highlights the line and adds it to the Cleared Rec or Cleared Disb totals at the bottom of the screen If you have marked an item in error unmark it by clicking it again You can also use the options available by clicking the Options button Bi to mark and unmark items H Continue marking items until your Ending Balance matches the Bank Ending Balance ATG REsource User Manual Page 9 7 ATG 5 15 Page 9 8 I If you find discrepancies between the bank statement and your receipts and disbursements return to Complete Closing Enterprise to investigate and make corrections J Manual Adjustments l Use the REsource Control file created for manual adjustments Bank Manual adjustment entries are used for items that do not pertain to a file in Complete Closing such as interest wire fees sweep account entries etc See Control File in this section of the manual for details 2 To enter manual adjustments either a Return to Complete Closing Enterprise open the Control File and go to Check Writing Enter any deposits such as interest in the Deposit tab and any bank fees in the Checks tab Be sure to book the deposits and change the checks to wires or b Open Quick Check Entry or Quick Deposit Entry from the Tools
74. Hew Cancel The purpose of the Tax ID search is to prevent duplicate orders and to determine if your office has previously insured this property using REsource B Enter all or part of the Tax ID Number Permanent Index Number or PIN or Tax Key Number and click the Search button Seach Similar Tax ID Numbers 1f any will display l Click the Create New button e Ne to create a new file or 2 Click a displayed file and click the Open Selected button Upenselected to open an existing file or 3 Click the Cancel button ESn l to abandon a New File entry or Tax ID search ATG RESOURCE User Manual Page 3 1 ATG 5 15 4 The Enter New File window opens after clicking the Create New button Freate New on the Tax ID Search Form Enter a Hew File Humber 2 Copy Existing File I Calculate Next Number Select Type of Order jo Mone specified at this time Branch one Tithe Unit Escrow Unit y OK x Cancel a Type of Order Click Type of Order and select the Type of Order by clicking the drop down arrow 7 1 None specified at this time 11 Title Services Title Services Complete or Title Services Support 111 Search Only IV Regional V Commercial vi Commitment b Branch For regional members only c Title Unit Leave blank d Escrow Unit Leave blank 5 Click the Calculate Next Number button SAME Next Number REsource automatically creates the File Number which is based o
75. Invest Funds DOC Disclosure Attorney Title Agent DOC Disclosure from Services DOC Disclosure from Services Refi DOC Disclosure of Radon Hazard DOC Errors amp Omissions Champaign DOC Errors amp Omissions Chicago DOC Escrow Statement DOC Fax Cover ATG RESoOuRCE User Manual DOC First Lien Letter DOC Foreign Transferor Affidavit Entity DOC Foreign Transferor Affidavit Indiv DOC Grantor Grantee Statement DOC HUD Signature BLANK DOC HUD 1a Buyer s Settlement Statement DOC Indemnity Agreement DOC Initial CPI DOC Initial CPI Regional DOC Initial CPI Instructions DOC Initial CPI NLT DOC Initial Search Report DOC Initial Search Report Metro East DOC Inv 2010 BO Chicago Area DOC Inv 2010 BO Sep Search DOC Inv 2010 NBO Chicago Area DOC Inv 2010 NBO Sep Search DOC Inv For Title BO Chicago Area DOC Inv for Title BO Sep Search DOC Inv For Title NBO Chicago Area DOC Inv For Title NBO Sep Search DOC Invoice Services REFI DOC Invoice Services REFI NBO DOC Joint Tenancy Affidavit DOC Later Date Search Report DOC Later Date Search Request DOC Later Date Search Request Notesw DOC Legal Description DOC Lender Closing Transmittal DOC Lender Policy Transmittal DOC Letter Invoice DOC Letter Report DOC Loan Modification Invoice DOC Member 1st Loan Payoff From Check DOC Member 24 Mo Conv Chain of Title DOC Member 24 Mo Inv Conv Chain of Title DOC Member 2nd Loan Payoff From Check DOC Member Closer Transmittal DO
76. Investment Account Click this button to delete the current investment account a Create Create Deposit Click this button to enter a new deposit ml Delete Delete Deposit Click this button to delete the selected deposit ATG REsource User Manual ATG 5 15 XXII CHANGE ESCROW ACCOUNT FOR A FILE This screen allows you to change the escrow account you are using for a file A Select Tools gt Change Escrow Account for a File B Click the Lookup GF Number button i C The Select File Number screen opens D Select the file number and click OK The file number appears in the File Number field the current escrow account displays in the Current Escrow Account field and the total checks and deposits currently in this file are displayed E From the New Escrow Acct drop down select the new escrow account number l If any of the deposits and checks listed have actually been deposited in or issued out of the original escrow account you may want to keep them associated with the original account for better tracking If so select the Keep Deposits Checks with Original Escrow Account checkbox 2 If you select the Keep Deposits Checks with Original Escrow Account checkbox two more checkboxes display Select the Create a Deposit in New Account for Account Balance and Create a Transfer Debit in Original Escrow Account to New Account if you want to create a tracking record of transfer to the new account F Click OK to compl
77. Kane Note Tax Payments should be made payable to Kane County Collector 719 South Batavia Avenue Geneva Illinois 60134 Phone 630 232 3565 Due 6 1 amp 9 1 Real Estate Taxes McHenry Note Tax Payments should be made payable to McHenry County Collector 2200 North Seminary Avenue Woodstock Illinois 60098 Phone 815 334 4260 Due 6 1 amp 9 1 Real Estate Taxes Will Note Tax Payments should be made payable to Will County Treasurer 302 North Chicago Street Joliet Illinois 60432 Phone 815 740 4675 Due 6 1 amp 9 1 Refinance Rights and interest of the spouse if any of title holder or person s taking title named in Schedule A Note The present marital status of grantors herein named must be disclosed in any subsequent deed of conveyance and or mortgage ATG is asked to insure and their spouses if any must join in the execution of said instruments in order to release any homestead rights All parties in title or taking title must execute the mortgage ATG 1s being asked to insure If all parties in title do not execute said mortgage the lender will take subject to any ownership interest of the non executing party in title Subject to any unrecorded easements covenants conditions or restrictions as well as any building line restrictions not of record Note This exception will be waived by either of the following a copy of an existing survey with an affidavit of no new improvements which shall be
78. Line Click this button to place a new line at the end of the selection Available in Page Two tab only mi Delete a Line Click this button and click Yes to the delete prompt Available in Page Two tab only Insert New Line Click this button to insert a new line above the line in which the cursor is placed If you try to insert a line in an inappropriate place an error message will appear Available in Page Two tab only Set Override Click this button to apply the override The particular override depends on the section of the HUD in which it is used Available in Page Two tab only Set Partial Override Click this button to apply the partial override Available in Page Two tab only Clear Override Click this button to clear the full or partial override Available in Page Two tab only HAE Date Selection Click this button to make a date selection H Additional Buttons These additional buttons that may appear on the Speed HUD pn Payee missing Displays on a line to remind you that a payee has not been entered for that line ne Debit Credit Displays on a line that is a debit credit NOTE If you enter a payee in a debit credit line the debit credit no longer displays If you enter a debit credit in a line the payee no longer displays I Page One Tab l Sections 100 500 These lines automatically import data from entries in Sections 700 1300 2 Enter Additional Line Items Click on or lt Tab gt to t
79. NO Note The proposed instrument of conveyance should designate the subject property as non homestead identify the grantor mortgagor as a single person or be joined in by the grantor s mortgagor s spouse and have their marital status typed thereon Note The buyer s should inform ATG how legal title will be held Page 14 78 ATG REsource User Manual ATG 5 15 Note A Wisconsin Real Estate Transfer Return form will need to be completed by the parties in order to record the conveyance document Exception Mortgage New Mortgage dated PR Date of Mortgage DT2 1 and recorded PR Date of Recording DT2 2 as Document No PR Document Number ST1 3 executed by DB CommitPolicy MortBorrower NO and given to DB CommitPolicy MortInsured NO to secure a note in the amount of DB Main LoanAmount CU1 and such other sums as provided therein Requirement B1 Mortgage Only a Mortgage from DB BuyerInfo FormalName NO to DB Lender Name NO in the amount of DB Main LoanAmount CU1 Exception Existing Condominium Construction Loan Policy Exceptions Terms provisions covenants conditions and options in rights and easements established by the Declaration of Condominium Ownership recorded as Document No PR Enter Document Number IN1 1 as amended from time to time its bylaws and association rules Limitations and conditions imposed by Wisconsin Statutes Chapter 703 referred to as the Wisconsin Condom
80. NO DB BuyerInfo Name2MI NO DB BuyerInfo Name2Last NO and spouses if any Release of Mortgage Payment and Release of Mortgage recorded as Document No PR Document No of mortgage to bereleased ST1 1 Taxes To Be Paid PR which installment or both ST1 1 installment s of the PR year of taxes to be paid ST1 2 taxes must be paid in FULL REQUIREMENTS Requirements Issuer will require the following as conditions precedent to issuance of policy ATG REsource User Manual Page 14 53 ATG 5 15 Deed Agreement for Deed Agreement for Deed or Memorandum by and between DB SellerInfo Name First NO DB SellerInfo NamelMI NO DB SellerInfo NamelLast NO and DB SellerInfo Name2First NO DB SellerInfo Name2MI NO DB SellerInfo Name2Last NO as contract seller s and DB BuyerInfo Name1First NO DB BuyerInfo NamelMI NO DB BuyerInfo NamelLast NO and DB BuyerInfo Name2First NO DB BuyerInfo Name2MI NO DB BuyerInfo Name2Last NO as contract purchaser s to be executed and recorded Name Search At the request of the applicant we have made a search for judgments liens and other matters against the following named persons and find none at this date that would adversely affect title to the premises in question unless shown elsewhere herein Standard ALTA Statement to be signed by Sellers and Buyers Affidavit in Lieu of Survey to be signed by Sellers If any party is required to bring in tota
81. OK when finished W addendum Oy x 1 of 1 Addendums oe mi r I Description of Charges Se ENT L Line a 1 20 Closing Cost Credit 1 000 00 2 1101 Closing Fee 2306 00 500 00 3 1101 Title services and lender s title insurance 2506 00 4500 00 Total 1 000 00 X Cancel 3 The HUD 1 Addendum prints an itemized report that displays all charges that are included in the Addendum screen When multiple addendums exist on an order the report separates the charges with the description entered in the Description of Charges field The report displays the Buyers and Sellers Property Place of Settlement HUD Line Number if applicable Description Addendum Amount and Total 4 Click the Print button located in the HUD 1 Addendum screen to display the addendum in the Print Preview screen where it can be printed saved or emailed Navigation To assist you in navigating the HUD Settlement screen there are a number of toolbar buttons and hotkeys keyboard shortcuts The online help also provides assistance as you work within the program l Toolbar Buttons fad HUD Settlement Statement Iof x a laka saarea suf AA Prints HUD directly to printer a Preview HUD Publish HUD to PaperlessCloser Use a Template Switch to HUD 1 Switch to HUD 1A Enter Paid by Other Parties Le Show Lender Loan Breakdown Display HUD Change Log i Lock this HUD ATG REsource User Manual ATG 5 15
82. PR name of pers rep ST1 1 PR exec or adm ST1 2 of the Estate of PR name of decedent ST1 3 deceased to sell said real estate pursuant to probate proceedings Case No PR case ST1 4 Circuit Court of the PR Circuit ST1 5 Judicial Circuit PR county ST1 6 County Illinois Decedents Probate General Proceedings pending in the Circuit Court of PR Enter name of County ST1 1 County entitled Estate of PR Enter name of deceased person ST1 2 Deceased under Case No PR Enter case number ST1 3 Right of any person to demand formal proof of the will or to contest the will of RP 2 deceased within the time provided by the Probate Act Page 14 50 ATG REsource User Manual ATG 5 15 Statutory rights of PR Enter name of surviving spouse ST1 1 surviving spouse of the decedent to renounce the will of deceased and take statutory share Power of sale conferred upon PR Enter name of Executor ST1 1 executor by terms of the will of RP 2 deceased Right title and interest of PR Enter names of person s taking under the will ST1 1 devisee s under the unproven will of RP 2 deceased Lien General Claim for lien dated PR Insert date of lien here DT2 1 and recorded PR Insert date the lien was recorded here DT2 2 as Document Number PR Enter recorded document number ST1 6 made by PR Insert name of person s asserting lien here ST1 3 and filed against PR In
83. Room File number 120900102420 Page 13 12 ATG REsource User Manual ATG 5 15 3 The File Status displays Current Location Back to Top Notes Note Date Note Body History Total Time D H M Trad NoService 6 10 2012 11 08 04 AM O Closing Request 6 10 2012 2 50 31 PM 6 10 2012 2 52 18 PM 0 0 2 Closing Request 6 10 2012 2 52 18 PM 6 11 2012 3 34 56 PM 0 0 43 test 1 6 11 2012 3 34 56 PM 6 13 2012 7 57 18 PM 2 4 22 C Printing a Published Document l The Print Document option allows one or more documents in the list of current documents to be printed 2 To print a document a From the Lobby click the desired file number b From the Conference Room select Documents C Select the check box next to each document you want to print d Click the Print button Conference Room Documents IMPORTANT NOTE To view documents properly disable your popup blocker for this site DE Add Documents a Doc Description Type Published Date Published By Doc Affidavit of Title Live eo 11 53 Sandi Allfrey Ne Escrow TA a 11 53 aa a F Doc ALTA Statement Live E 11 53 Sandi Allfrey e The document will display in the selected format f Select File gt Print to print the document ATG REsource User Manual Page 13 13 ATG 5 15 E Page 13 14 Printing a Scanned Document l Z 2 4 From the Lobby click the desired File Number From the Conference Room
84. ST1 3 Drainage Easements Rights of way for drainage ditches feeders laterals and underground pipe or tile 1f any Building Setback A PR of feet ST1 1 foot building line from the PR Front back or side ST1 2 line of the property as shown on the recorded plat of said subdivision Dedicated Road Rights of the public the State of Illinois and the municipality in and to so much of the land dedicated for road purposes by instrument dated PR Insert date of document DT2 1 and recorded PR Insert date ofrecording DT2 2 as Document No PR Insert Document number ST1 3 ATG RESourRce User Manual Page 14 21 ATG 5 15 Insured Parcel 2 Terms provisions and conditions relating to the easement described as Parcel 2 contained in the instrument creating such easement Rights of the adjoining owner or owners to the concurrent use of the easement described as Parcel 2 Prescriptive Party Driveway A PR Enter of Feet IN3 1 foot party driveway located on the property described in Schedule A and the land PR Direction ST1 2 and adjoining and all rights ensuing thereunder in favor of said adjoining land Prescriptive Party Wall Rights of adjoining property owners in and to the PR Direction ST1 1 wall of the PR Improvement ST1 2 located on the property described in Schedule A hereof Prescriptive General Easement in favor of the public and quasi public utilities and the municipality o
85. ST1 3 foot line from the PR direction of easement ST1 4 line of the property for the purpose of a utility easement as disclosed on said recorded Plat Restrictions Setback Generic Restrictions set backs and easements according to public record Deed of Conveyance PR Enter type of Deed Warranty Quitclaim etc ST1 6 Deed dated PR Enter date of Deed DT2 1 and recorded PR Enter date the Deed was recorded DT2 2 as Document No PR Enter recorded Document number ST1 5 executed by PR Enter name s of person granting theDeed ST1 6 and given to PR Enter the name s of the person receiving the Deed ST1 7 Tract Search Disclaimer Disclaimer This Chain of Title alone may not be used as the basis for the issuance of an ATG commitment or policy The liability of Attorney s Title Guaranty Fund Inc in connection with this search report is limited to actual damages arising out of an error contained herein but in no event shall said liability exceed PR amount charged for search CU1 1 Lis Pendens Lis Pendens Notice dated PR Insert date of lis pendens here DT2 1 filed by PR Insert name of person s filing the lis pendens here ST1 2 against PR Insert name s of persons receiving the lis pendens here ST1 3 in Case No PR Insert case number here ST1 4 in the Circuit Court of PR Insert name of County here ST1 5 County Illinois and recorded on PR Insert date of recording here DT2
86. Select the Buyer s attorney b Multiple Buyers are added by clicking the Insert New Buyer Seller button Fr Buyers use the Insert New Buyer Seller button Laif separate window to add each name to a g To edit Buyer information click the Edit Buyer Seller button Fe Edit Buyer Seller PA Sellers Sub Tab M Order Entry me X Main Buyer Seller Loan Property 1 Seller wall PEN CSN Sellers 2 E Le 2 PS Edit Buyer Seller Seller Betty and Barney Seller Business Name First MI Last Ext Gender Nr Betty Seler Listing Agent Nm2 Bamey Seler Attorney 9001 Test R Member Relationship of 2nd Person to First E Wife Husband Partner Other Notary gt Is Address Foreign Address x Tax ID SSN a Maple Lane ae SSN Name 2 E Mail ity tate ip EET Chicago Ne 60609 ai x M Override Auto 1099 ae Home Phone Work Phone Cell Phone 1035 Infomation 3121 555 5555 3121 555 5556 O IV Do Not Generate 1099 F Allocation 100 e e lt ho image gt ti Allocation Amount 300 000 00 Receive Prop or Services Buyers Sellers Edit View PaperlessCloser defaults Version 6 5 1 12 a Click the Insert New Buyer Seller button to begin entering the Seller name 1 Seller Name Enter the complete names of the Sellers including middle initials If the Seller 1s a corporation estate or a trust enter
87. T ATG REsource User Manual ATG 5 15 d Name your package and enter the same name in the Package Category field e Select the exceptions from the list f Close when finished B Codes Codes can now be associated with Standard Language items and the codes can then be used when looking up Standard Language To enter a Code for a Standard Language item Standard Language Entry l Select Standard Language Entry ite from the REsource Desktop 2 Create a new Standard Language item or select an existing item Enter the Code usually a combination of letters and or numbers in the Code field and close ctandard Uanqusgeiaaa E Ml E Fle Category Text Entries Mavigation Help Category 5 0 C C ail zi ol El ommitmentPolicy E Description RE s new Exception 22 f ALTA Text Both This is a new exception with a Code and a description 4 4 The Standard Language item can be located by changing the Search By field from Description to Code while in the Standard Language Lookup fig Select Standard Language Items Description zal a IV PAPERLESSCLOSER A Placing an Order l Login Go to http resource atgf com Enter your User Name and Password in the login screen Do not use a dash in your password HINT PaperlessCloser uses the same user name and password as the ATG website Please login User Name Password cD CD 2 Browser Settings Intern
88. Thru Date 512013 FA x Cancel From the Select Bank drop down select the escrow bank NOTE The Select Bank drop down displays only region specific banks 1 e Region l users see only Region 1 banks Enter the Thru Date or click the Calendar button He to select a date This should be the last day of the month you are currently reconciling Click OK or click Cancel to exit the Escrow Trial Balance screen The Escrow Trial Balance report displays with the file number receipts disbursements last activity date balance and any escrow memos entered in Check Writing Depending on settings in Complete Closing Supervisor the report may include the closing agent s initials next to the file number From there print the report by clicking the Print button El or save the report by clicking the Save button kel To adjust display size use the Zoom buttons ATG REsource User Manual ATG 5 15 VIII RECONCILED BANK BALANCE A The Reconciled Bank Balance is the third of the three components of the Three Way Balance The Reconciled Bank Balance displays the following information for the selected escrow account and ending date l Beginning Book Balance 2 Deposits in transit not yet reconciled with the Date Transaction ID File Number Description and Amount 3 Outstanding Checks not yet reconciled with the Check Number Date File Number Payee and Amount 4 The Reconciled Bank Balance representing the b
89. User field 4 Click OK The code will be embedded in the text of the exception When this exception is selected from the Lookup Standard Language in Compete Closing s Commitment Sched B gt Exceptions sub tab the user prompt will display When the user enters a response the response 1s inserted in the exception G Instructions for Inserting Fields Additionally all REsource data such as Seller Buyer Names can be imported into Standard Language This option enables the data from any field to be inserted into an exception eliminating the need to re enter data already entered in Complete Closing Follow the instructions below to insert a field into a Standard Language exception In this example the exception for possible judgments will import the names of the Seller 1 Click the Insert Field from Table button testingwireless 207 208 122 4 Remote Desktop e x i Complete Closing Standard Language 09 09 02 SP2 File Category Text Entries Mavigatio Help Category member ri zil Region 1193 x 7 2 6B Deseription ai i EN Paragraph Number Level judgments PpoeeoeeeRE EEE l ofl 2s Click the Plus in front of the folder that contains the needed information The folders correspond to the tabs in Complete Closing In this example click the Seller Information folder Click the Seller Formal Name so that it becomes highlighted 4 Click OK 5
90. after the last line in most sections of the Page Two tab Sections 700 900 and 1100 1300 1 To add new lines of information 1 Move the cursor to the last column in the last line in the section in which you want to add a new line and press lt Tab gt Complete Closing will create a new HUD line numbered sequentially after the last existing one 2 Position the cursor in the first column of the last HUD item and press the lt gt key 11 To delete a manually added line ATG REsource User Manual ATG 5 15 1 Click anywhere in the line and press lt Ctrl gt lt Delete gt or 2 Right click and select Delete Line then click Yes to confirm C Every HUD line item except Debit Credit items must include a payee Use the Agent list to enter a Payee in the To field Every payee comes from the Agent list The Payee button appears to the left of the column when no payee has been selected d Leave all Account Code fields blank e To enter a negative figure anywhere on the HUD begin the number with a minus sign Complete Closing displays negative numbers in parentheses C Navigation ru l Use the hotkeys or the Jump to Next Section button H 7 to move through the Speed HUD Be 2 Jump to Next Section Button Click the button to move to the next HUD section or click the drop down arrow to display the navigation drop down list and select the desired section number Sections A B
91. any as may then be deemed necessary Not for Profit Resolution Upon a conveyance or mortgage of the land a certified copy of proper resolutions passed by the members and directors of the party in title authorizing the execution of the deed of conveyance or mortgage together with a properly certified copy of the bylaws of said corporation should be furnished Religious Resolution Upon any conveyance or mortgage of said land a certified copy of the bylaws and a resolution passed by the members of the party in title authorizing the execution of the instrument of conveyance or mortgage should be furnished together with a certificate by the custodian of records establishing 1 the names of all person selected members of the board of trustees at the last election 2 the form of notice for the election 3 the total number of members entitled to vote on corporate matters 4 proper notice of the meeting to consider the questions of conveying or mortgaging the land was given to all members 5 the number of members present at such meeting and 6 the number of the ayes and nays voted on such question University Higher Education Act Rights of the United States of America to recover any public funds advanced under the provision of the Higher Education Facilities Act of 1963 DECEDENTS Deceased Joint Tenant We should be supplied with satisfactory evidence establishing the death the testacy or intestacy the sta
92. appear in bright blue Page 4 3 Page 4 4 B ATG Services Tabs l Title Prep Tab a Title Prep Title Prep refers to Pre and or Post Closing clerical services provided by ATG on behalf of the member These services are also known as Title Services Support and Title Services Complete Title Prep Endorsements Closing Search Rec Misc Commercial Other ATG Buyer Seller Title Prep PF Title Services Complete 0 00 0 00 0 00 PF Title Services Support 0 00 0 00 0 00 Loan Modification 0 00000 p 0 00 0 00 0 00 GRU eee eee 0 00 0 00 0 00 Prior Type No Prior Policy 0 0 0 0 0 00 0 00 0 00 BAT Ga Prot FOR 0 00 0 00 0 00 Contract Conversion 0 00 0 00 0 00 UT en 0 00 0 00 0 00 ee VE Prior Paper 0 00 0 00 0 00 Property Type Residential cscs Commercial D AV AC ye eres Transaction Type or Buf Sel RON ee Refinance 0 0000000000000000 C Installment Contract C New Construction 00000 f UGash aae eres 1 Title Services Complete Pre and Post closing processing provided by ATG 11 Title Services Support Post closing processing provided by ATG 111 Loan Modification An update of a Loan Policy IV GRU Gap Risk Update b Prior Type Select the Prior Type of policy if any An Owner s Policy Loan Policy or a Commitment is acceptable prior title evidence 11 NO
93. as may be required In order to waive Standard Exception No 5 Taxes or special assessments that are not shown as existing liens by the public records a current special assessment search must be provided Commercial Real Estate Broker Lien Information should be furnished establishing whether any written agreement has been entered into by and between any party or broker for the purposes of buying selling leasing or otherwise conveying any interest in the land described herein and if any such agreement has been entered into satisfactory evidence should be furnished establishing that the compensation agreed upon in such agreement has been paid and the broker s lien or right to a lien for such amount has been extinguished In the event the evidence is not furnished our policy or policies when issued will be subject to the following exception Any lien or right to a lien imposed by law under the provisions of the Commercial Real Estate Broker Lien Act and not shown in the public records for compensation agreed upon by a broker and the broker s client or customer under the terms of a written agreement entered into for the purposes of buying selling leasing or otherwise conveying any interest in the land described in Schedule A Property Manager Lien Furnish ATG with an affidavit by the owner stating that there is no property manager for the insured premises In the absence thereof provide a waiver of lien b
94. be created within existing categories In the example below a package was created called Standard Residential Two common residential exceptions were placed in the package Category O Search By Description Residential Buy Sell Endorsements Current Default for all users Mortgage To create a Standard Language Package E Standard Language Entry i Shortcut a Select Standard Language Entry Z from the REsource Desktop b Select File gt Setup Packages i Standard Language Ioj xi File Category Text Entries Navigation Help Setup Packages Exit a i cs Paragraph Number Level 1 wv ri 24 El E ommitment Polic Description Code i C TX Text Both AAA i C Click the Create New Package button if Standard Language Packages Iof Xx Package Name ox 7 gt Standard Residential KE OS a EE EE c i A A Commitment Polic Package Category Standard Residential gt Code C Tx ALTA Available Entries Filter by Category Both Jou x gt Included in Package zil ip Corporation dissolved NLT rkfd exc Current Default for all users Corporation resolution NLT rkfd reqr Mortgage Covenants amp Restrictions Subdivisions Covenants Restrictions Forfeiture Subdivisions Covenants Restrctions No Forfeiture Subdivisions Cover Date Miscellaneou Creditor s Rights Bankruptcy Creditors Rights Endorsement 4TGRequirer eee Mi akant eee ee eee Menl PF state
95. because it could create a serious accounting problem When you select Print a window will display with the Starting Check Number and Date of Check You can change either of these You also have the option of selecting a wire or no paper copy if you just need to assign a check number but not actually print or transferring the funds to another file After the checks are printed Complete Closing will display the check number and date for each check Undo Use this option if you experience a problem with your printer or check paper that prevents the checks from printing properly Before clicking the Undo button UNO select the check s in the Checks window Complete Closing removes the check numbers and date from each payee for the checks so that you can reprint them This option may be restricted by your Security settings To undo all checks use the Undo All button Undo All Void Voids a check Use this option only if you have printed a check and need to physically void it Do not use this option to undo check printing Before clicking the Void button YOId select the check s in the Checks window This Page 8 7 Page 8 8 option highlights the selected payee entry in red and automatically creates a new check line with the same payee in the same amount as the voided check s Delete Deletes the selected check entries Use this option if you need to remove an unprinted check from the list Before clicking the Delete
96. board of directors authorizing the execution of a deed to sell the corporation s real property or furnish ATG with a certified list of all of the successors in title to the real estate of said corporation and this commitment is subject to such further exceptions if any as may then be deemed necessary Exception Domestic L L C Active Any delinquent income or franchise taxes that may be due and payable to the State of Wisconsin Requirement Domestic L L C Dissolved Authority Furnish ATG with a certified copy of the Articles of Dissolution authorizing the manager s or member s to execute a deed to sell the LLC s real property or furnish ATG with a certified list of all of the successors in title to the real estate of said LLC and this Commitment is subject to such further exceptions if any as may then be deemed necessary Exception Foreign L L C Active Any delinquent income or franchise taxes that may be due and payable to the State of Wisconsin Requirement Foreign L L C Active Authority Furnish ATG with a certified copy of the proper resolutions passed by the stockholders or board of Directions authorizing the execution of the deed or mortgage and this commitment any policies committed for thereunder are subject to such further exceptions as may then be deemed necessary Furnish ATG with a certificate of status from the Wisconsin Department of Financial Institutions verifying the authority to transact busines
97. button The report will display on the screen and may be printed for a preliminary register as a worksheet When you have completed printing all checks click the Receipts and Disbursements Ledger button to print a final ledger 2 If mistakes have been made in receipt and or disbursement records or there are have been significant changes to the HUD 1 Settlement Statement since you created the receipts and disbursements from it you can choose to delete the receipts and disbursements and start over again To do so click the Delete Receipts and Disbursements button This option clears all the receipts and disbursements generated from the HUD 1 Settlement Statement It does not delete the Earnest Money or manual entries you have made NOTE All Receipts and Disbursements cannot be deleted if check s have been printed However individual unprinted checks or individual un booked deposits can be deleted I If one or more checks are printed the Delete All Receipts and Disbursements button will not delete all receipts and disbursements J However un booked deposits and unprinted checks may individually be deleted by using the Delete button Delete K To edit printed checks use Undo or Void L If a change is made to the HUD 1 Settlement Statement after one or more checks have been printed then the Checks and Deposits will automatically recalculate in Check Writing NOTE Only the checks affected by the changes made
98. by clicking the Print button amp or save the report by clicking the Save button A To adjust the display size use the Zoom buttons ATG REsource User Manual Page 9 13 ATG 5 15 XII VERIFYING DEPOSITS Verifying deposits and deposit slips prevents changes being made to the deposits after they are posted Users cannot make changes to deposits or deposit slips once they are verified in Escrow Accounting NOTE This is an optional feature and is not required or intended to replace reconciling your monthly bank statement Verifying deposits does not replace reconciling deposits A To open the Verify Deposits screen use one of these methods I 2 2 Click the Verify Deposits button S Select Tools gt Verify Deposit or Press lt Alt gt lt T gt then lt V gt Please use the screen shot provided ae Verify Deposits 585 00112 1247 0614354 536 00723 550 00739 551 00740 552 00745 554 00750 555 00751 Gi20 2006 1 Transfer from File Amanda 124 139 74 7 24 2008 1 Earnest Money 5 000 00 BS 2006 1 Dep Slip 1 151 034 00 BW 22006 2 Dep Slip 2 f14 615 19 BM 22006 3 Dep Slip 3 65 2006 1 Earnest Money 41 000 00 BA S2006 1 Earnest Money 41 000 00 6A S2006 Earnest Money 1 000 00 Et 2006 1 Earnest Money 41 000 00 BA S2006 Earnest Money 1 000 00 6A S2006 1 Earnest Money 1 000 00 j 0 1 1 1 0 0 a a a 0 B Verify Deposits Screen l Page 9 14 Use the Verify Depos
99. can be added to the Category to view all exceptions in the Category T Use the Navigation buttons Instructions for Creating User Prompts Prompts directing the user to enter information such as a Document Number or Date can be inserted into an exception when the Standard Language is selected in Complete Closing When the Insert Prompt option is selected the user defines the prompt such as Enter the document number of the mortgage or Enter the recording date of the assignment The user also selects the type of data and the format of the data such as a date with the month spelled out Follow the instructions below to insert prompts into your standard language l Click the Insert Prompt button i testingwireless 207 208 122 4 Remote Desktop 18 x Category Member Name il zi ty Region 0 x Description E Paragraph Number Level pece ed FE a Text Be sure to press the CRTL N toy the bullet for each exception Access Spell Check and other ing options by a right click of the mouse Easement for i Insert Prompt eifel Es Insert Prompt Type of Prompt Currency Integer Prompt for User Af OK X Cancel start amp Ea Testing Desktop a standard Language Les Eou E T E 2 Select the Type of Prompt ATG REsource User Manual ATG 5 15 Enter a user prompt in the Prompt for
100. charitable transfer C Security obligation Corrective transfer Property Type Single family C Condo co op LI 4 or more residential units Mited use comm res Transter T axes Consideration 100 000 00 Personal property Met considerations 100 000 00 Assumed Morbgage Tasable Amount 100 000 00 County tas stamp 0 00 File Ho 080900101004 Save Close amp Print Cancel Deed Information Date deed was delivered or recorded 4 01 2008 Interest Transtered Fee J Land trust beneficial interest Ground lease lessee interest B Parcel No Enter Parcel No PIN Tax ID If Tax ID has been entered in Order Entry this field will auto fill ATG REsource User Manual Page 13 25 ATG 5 15 Property Type Select the Property Type Deed Information Select Date deed was delivered or recorded from the drop down list Interest Transferred Select the Interest Transferred from the drop down list Exemption Information If the transaction is exempt from tax click the appropriate Exemption checkbox Save Saves the current information Close amp Print Saves the current information closes the form and opens the Print Document menu Cancel Abandons any manual entries and closes the form INSTRUCTIONS FOR PREPARING CITY OF CHICAGO TRANSFER DECLARATION VII A B Page 13 26 From the Transfer Tax window click File gt Open and select Chica
101. completed Closing Statement to the ATG Closing Services department click the Complete Submit to Closing Services button SLT RE USE Exiting Closing Statement To exit the Closing Statement and return to the PaperlessCloser Lobby click the return to file lobby button oO Aan on the toolbar G Requesting a Closing Using PaperlessCloser To request a closing using PaperlessCloser a Select the desired file in the PaperlessCloser Lobby b Select Schedule Closing Conference Room ATG REsource User Manual Page 13 17 ATG 5 15 Page 13 18 The ATG Assisted Closing Request page opens ATG Assisted Closing Request Closing Information Requested Misc Status None ATG Approved Date ATG Approved Time Closer Patricia Woods Respa Operator Respa Operator print B Search Provider __ Date SJ Respa Nates i Unknown M time Li checks nknown Ea Package Attach d Package Time sd Date Taken Save Member Place Of Closing File Number Member Phone Attorney For Member Type Property Property Address City Purchase Price Type Of Property Buyers Buyer Address City Sellers Seller Address City 130900102947 Test Member 9001 555 555 9999 Fax 555 555 8888 Seller Title Services Closing Site Address City Phone Contact Loan 1 Test Member 1 South Wacker 24th Floor Chicago State IL Zip 60606 555 555 9999 Fax
102. compliance has been made by the owners with the provisions of the Condominium Declaration or that said provisions relating to preemptive rights have been duly waived by the Board of Managers Directors and the rights of the Board thereunder have terminated Statute Wisconsin Limitations and conditions imposed by the Wisconsin Condominium Ownership Act ATG RESourRce User Manual Page 14 13 ATG 5 15 CONSTRUCTION Construction Loan Policy Held Open ATG has been requested to delay issuance of the final policy or policies committed for hereunder after the proposed Insured acquires of record the estate or interest or mortgage in the land due to construction of improvements on the land ATG hereby agrees to delay issuance of the final policy or policies subject to the following conditions 1 If ATG has agreed to delete Special Exception 1 from this Commitment the final policy or policies will be subject to defects liens encumbrances adverse claims or other matters if any created first appearing in the public records or attaching subsequent to the date the proposed Insured acquires for value of record the estate or interest or mortgage thereon covered by this Commitment 2 If the delay in issuing the final policy or policies extends beyond six months from the Effective Date of this commitment all liability and obligations of ATG hereunder shall cease and terminate 3 Upon completion of construction ATG must be provided f
103. date of this commitment Oak Park tax rate is 8 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form NOTE If property is exempt from stamps a 25 00 exemption fee is required Park Ridge The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the City of Park Ridge As of the date of this commitment Park Ridge transfer tax is 2 00 per 1 000 00 payable by the Seller before closing The declaration form should be submitted at least five 5 business days before closing The City of Park Ridge also requires a property inspection prior to closing River Forest The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF RIVER FOREST As of the date of this commitment River Forest tax rate is 50 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form River Forest also requires a property inspection prior to closing River Grove The Recording of any Deed or other instrum
104. estate or interest Mortgage dated PR Enter date of mortgage DT2 7 and recorded PR Enter mortgage recordingdate DT2 7 as Document No PR Enter recorded mortgage document number ST1 6 executed by PR What are the borrowers name s ST1 6 and given to PR Enter name of existing lender ST1 5 to secure a note in the amount of PR Enter existing mortgage amount CU1 7 and such other sums as provided therein Exception Mortgage Assignment Assignment of Mortgage from PR Enter name of original lender ST1 1 to PR Enter name of lender receiving assignment ST1 2 dated PR Enter the date of the assignment DT2 5 and recorded Page 14 84 ATG REsource User Manual ATG 5 15 PR Enter recording date of assignment DT2 5 as Document No PR Enter Document number of Assignment ST1 3 which assigns the Mortgage recorded as Document No PR Enter Document No of assigned Mortgage ST1 4 Exception Foreign L L C Dissolved PR Enter name of LLC ST1 1 a Limited Liability Company was dissolved by PR Enter name of entity that dissolved this LLC ST1 2 on PR Enter date this LLC was dissolved DT2 3 We note the following with respect thereto and this Commitment is subject to the following exceptions 1 Rights of the creditors of said LLC including the United States of America 2 Right title and interest of the members of said LLC and those claiming under them 3 Any delinquent
105. fees and other miscellaneous fees it is recommended that the ATG Edit Services screen be updated rather than editing fees on the HUD 1 Also remember to click the Update HUD button before closing ATG Edit Services Custom Invoices I Consumer Fees REsource computes consumer fees for the Owner s Policy and Loan Policy Endorsements Search Fees and Closing Fees based upon the location of the property However your individual pricing for these services may differ from the default calculations To request custom consumer pricing please contact your Member Services Representative Municipal Transfer Taxes REsource computes municipal transfer taxes and populates the fee on both the Invoice for Title Charges and the HUD 1 Settlement Statement To request that municipal transfer taxes not appear on your Invoice for Title Charges please contact your Member Services Representative Separate Search Fees on the Invoice and HUD 1 Settlement Statement Follow the instructions below if search fees are not part of the total title charge Downstate Illinois only l Select the Search Provider in the Main tab of Order Entry or if the member provided the search enter the Member Number This will create a disbursement for search fees to the search provider or to the member Go to the Edit Services screen and click the Search tab Check the Initial Full w Prior or Initial Full wo Prior checkbox Double clic
106. final policy or policies will be subject to such exceptions unless satisfactory disposition thereof is otherwise made Tax Sale Tax Deed Judgment Wisconsin We have examined the proceedings pending in the Circuit Court of PR Enter name of County ST1 1 County Wisconsin in Case No PR Enter court case number ST1 2 on a petition for tax deed pursuant to a tax sale of the land under the provisions of the Property Tax Code and note the following a The question of the willingness of ATG to insure title derived through the said proceedings should be submitted to an underwriting attorney of ATG and this commitment and any policies committed for thereunder shall be subject to such further exceptions if any as may then be deemed necessary b Right of any interested party by motion appeal petition or other direct proceeding to have modified set aside or reversed the orders entered in Case No RP 2 within the time allowed by law c Right by reason of military service of any person interested in the subject matter of the proceedings in Case No RP 2 to redeem within the time permitted by the Soldiers and Sailors Civil Relief Act Lake County Indiana The real estate tax information set out above is all that is currently available As of May 7 2004 the Lake Superior Court ruled the tax reassessment unconstitutional This ruling is currently under appeal to the Indiana Supreme Court ATG is not liable for an
107. for disclosure purposes x Cancel Page 7 19 Page 7 20 11 When a new line is added to this section an Additional Lines dialog appears providing the option to select Recording Charge outside the column and included on Line 1201 Transfer Tax outside the column and included on Line 1203 or General HUD Line inside the column and not included on Lines 1201 or 1203 Section 1300 Additional Charges a Use Section 1300 to enter miscellaneous additional charges 1300 Additional Settlement Charges 1301 Required services that you can shop for from GFE 6 0 00 b Line 1301 GFE 6 totals of all GFE 6 items These line items are displayed outside the column W Additional Lines EE Select to enter Borrower amount outside the column and include on Line 1301 General Line Select to enter amount made the column and not include on Line 1301 Disclosure Line Select to enter a description for disclosure purposes X cove G Additional Lines General Lines can be added that print inside the column and do not roll up For each line added specify the type of line desired d Section 1400 Section 1400 shows the total charges from Line 103 Section J and Line 502 Section K G GFE Bucket Allocation l The GFE Bucket Allocation screen allows you to designate GFE lines on Page 2 to the appropriate section bucket on Page 3 The items that display in this screen are HUD lines labeled as GFE
108. found on Microfilm No 73 11 0385 made by Boise Cascade Home and Land Corporation and interest created by virtue of instrument filed May 16 1973 as Document No 1312293 found on Microfilm No 73 11 1153 Assigned to Otter Creek Lake Utility District by a document recorded July 5 1978 as Document No 1461483 found on Microfilm No 78 18 1078 Declaration of Restrictions Lake Summerset Subdivision Stephenson and Winnebago Counties Illinois 1999 amended Declaration of Restrictions recorded December 18 1998 as Document No 9880054 Declaration No Will No Probate A satisfactory table of the heirship and proof of the death testacy or intestacy and of the value of the estate of PR Name of decedant ST1 1 deceased should be furnished and this Commitment is subject to such further exceptions if any as may then be deemed necessary Claims against the estate of RP 1 deceased Federal and Illinois Estate Taxes that may be charged against the estate of RP 1 Statutory rights powers and duties of the personal representative of the decedent if and when appointed Mortgage with Subordination Mortgage dated PR Date of Mortgage DT2 7 and recorded PR Date mortgage was recorded DT2 6 as Document No PR Document No of mortgage ST1 3 from PR Name of borrower s ST1 4 given to PR Name of lender ST1 5 its successors and or assigns to secure a debt in the amount of PR Mortgageamount CU1 6 and other such
109. is also available cP File Menu Click the File menu The nine 9 most recently opened files appear at the bottom of the File menu This is a shortcut to retrieve a recent file 8 Tax ID Search Search for a file by the Permanent Index Number or Tax ID Number B After you locate a file using one of these methods you can edit the order prepare the commitment or policy print documents create the invoice complete the HUD 1 Settlement Statement or write checks II ORDER SEARCH BY MEMBER The Order Search by Member function searches and sorts files by several fields including Member File Number Buyer Seller and Closing Date A Access the Order Search by Member by clicking the Search Orders by Member button or ATG REsource User Manual Page 2 1 ATG 5 15 B Select Member Search from the ATGF Extensions menu Fe Complete Closing Enterprise 6 5 OI x Fie Data Entry Utilities Window ATGF Extensions Help FE E 4 a OL Member Search A g Er A q efi a cll attachments 22 Edit Services AIL E lea hoosommrs amp i KOM 5 M OP er 1234 Maple Lane Chicago IL 60609 ATGF Extensions gt Member Search Search Orders by Member Order Seach by Member Order Status fe Filter All F Open er Closed Cancelled Member Filet GENS Seller Buyer Close Date 1293765 0301 71000035 Joanne M Hanlon Edward Gancarz and Urszula Gancarz 1293765 0307 71000035 Joanne bl
110. is an illustration of the Commitment gt Schedule B gt Exceptions tab These are the exceptions that were raised on the commitment The Schedule B exceptions that appeared on the commitment will automatically appear on the policies unless those exceptions were marked Do not delete waived Schedule B exceptions Instead use the Mark Selected Text feature described below ATG REsource User Manual Page 10 1 ATG 5 15 II Page 10 2 l To enter edit information for the Owner s Policy or Loan Policy click the Commitment Policy Preparation button S or select Commitment Policy Binder from the Data Entry menu 2 Select the Schedule B tab and then the Exceptions sub tab 3 To include or exclude an exception on the Owner s Policy or Loan Policy highlight the exception and click one of the Mark Selected Text buttons Commitment Schedule B gt Exception Tab gt 43 8 8 5 if First installment 2009 taxes in the amount of 1 000 00 is Paid Second installment 2009 taxes in the amount of 1 000 00 is Not yet due or payable Taxes for the year 2010 are not yet due and payable Exceptions Mark selected text for exclusion or inclusion on policies Olive Text Permanent Index No Mortgage dated September 9 1990 and recorded September 10 1990 as Document No 12333333 executed by Betty Seller and Barney Seller and husband and given to Wells Fargo to secure a note in the amount of 150 000 0
111. lien was recorded ST1 7 County Illinois in the sum of PR Enter amount of environmental lien in dollars and cents CU1 8 Wisconsin RPTA Fact Exception The fact as disclosed by the liens recorded PR Enter date of recording of environmental lien DT2 1 as Document No PR Enter Document number of recorded environmental lien ST1 2 in the Office of the Register of Deeds of PR Enter name of County where environmental lien was recorded ST1 5 County Wisconsin that some violation of environmental protection laws may have or has occurred which may affect the land Wisconsin General Environmental Lien Environmental lien filed by PR Enter name of entity filing the environmental lien ST1 1 against PR Enter name of entity that environmental lien was filed against ST1 2 on PR Enter date that environmental lien was filed DT2 3 as Document No PR Enter environmental document number ST1 4 in the office of the Register of Deeds of PR Enter County where environmental lien was recorded ST1 7 County Wisconsin in the sum of PR Enter amount of environmental lien in dollars and cents CU1 8 Wisconsin RPTA RPTA Document Environmental disclosure document for transfer of real property dated PR Enter date environmental document was created DT2 1 and recorded PR Enter date environmental document wasrecorded DT2 2 as Document No PR Enter environmental Document number ST1 3 in the Register of
112. menu in Compete Closing Escrow Accounting Enter manual adjustments to your Control file Bank For more information on using Quick Check Entry and Quick Deposit Entry see Adding or Adjusting Checks and Deposits in this section of the Manual K When the Ending Balance matches the Bank Ending Balance and the Difference appears as Zero 0 the lower area of the screen is highlighted in yellow When the balances are different the lower part of the screen is shaded gray L To finalize your balanced reconciliation click the Finalize Reconciliation button v WARNING Once you finalize a recon it is time consuming to reverse Please call the REsource Help desk for assistance THREE WAY BALANCE Complete Closing Enterprise performs a full three way balance of the escrow accounts set up in Complete Closing Enterprise The Three Way Balance components listed below are described in the following sections Book Balance B Escrow Trial Balance C Reconciled Bank Balance NOTE Each of the Three Way Balance components needs to be completed prior to completing the full Three Way Balance ATG REsource User Manual ATG 5 15 VI BOOK BALANCE A ATG RESouRCE User Manual ATG 5 15 The Book Balance is the first of the three components of Three Way Balancing The Book Balance contains the following information for a specified escrow account and date range ie Beginning Book Balance all receipts dated in the
113. month whether reconciled or not all disbursements dated in the month whether reconciled or not Ending Balance Represents the beginning balance plus all receipts minus all disbursements Request the Book Balance after you have completed the account s Bank Reconciliation for that month The final Book Balance for an escrow account must match the Escrow Trial Balance and the Reconciled Bank Balance To run the Book Balance Report l Click the Book Balance button EN or select Reports gt Book Balance 1 or press lt AIt gt lt R gt then lt B gt The Book Balance screen opens a Book Balance Book Balance Component 1 Select Bank El Starting Date 5 1 2013 FA Ending Date 5512013 FA Beginning Book Balance Previous Month s Ending Balance x Cancel From the Select Bank drop down select the escrow bank NOTE The Select Bank drop down displays only region specific banks 1 e Region l users see only Region 1 banks Enter the Starting Date or click the Calendar button EE to select the date This should be the first day of the month you are currently reconciling Enter the Ending Date or click the Calendar button EE to select the date This should be the last day of the month you are currently reconciling For the Beginning Book Balance enter the Ending Book Balance for the previous month If this is the first month reconciling a new account enter 0 zero Click OK or click
114. nn mn dl OS Mortgage Compliance Cert ni nis Mortgage Exempt Cert bn dun gt 339 00 Toad nnnnnnnnnn Special rate and confirmation 3 For questions please call the ATG REsource Help Desk 888 776 4420 ATG REsource User Manual Page 13 35 ATG 5 15 NOTES Page 13 36 ATG REsource User Manual ATG 5 15 1 4 Standard Language Entries AX ATG 14 STANDARD LANGUAGE ENTRIES ACCESS No Access Policy Notwithstanding the insuring clauses of this policy ATG does not insure against any loss or damage by reason of lack of access to and from the land Restrictions Subdivision restrictions easements and building setback lines as may be disclosed on the recorded Plat of Subdivision or of public record if any No Access Commitment The public records do not show any means of ingress or egress to or from the land and by reason thereof this commitment and our policy if and when issued should not be construed as insuring against any loss or damage by reason of lack of access to and from the land ADVISORY REPORT Advisory Report This is not a title policy guarantee or opinion of title and it is not binding upon Attorneys Title Guaranty Fund Inc This advisory report must be examined and the information contained herein verified by a member attorney prior to execution Upon execution by a member attorney or authorized signatory this exception shall be rendered null and void ASSOCIATIO
115. of 2008 taxes CU1 13 are PR Enter whether PAID SOLD REDEEMED include dates ST 1 16 Taxes for the year 2007 in the amount of PR Enter amount of 2007 taxes CU1 19 are PR Enter whether PAID SOLD REDEEMED include dates ST1 15 Taxes for the year 2006 in the amount of PR Enter amount of 2006 taxes CU1 11 are PR Enter whether PAID SOLD REDEEMED include dates ST1 14 Taxes for the year 2005 in the amount of PR Enter amount of 2005 taxes CU1 9 are PR Enter whether PAID SOLD REDEEMED include dates ST1 10 Taxes for the year PR Enter the current year YYYY IN1 6 are not yet due and payable Permanent Index No DB Property TaxID SN1 EXEMPTIONS PR Enter Type of Exemption amp Amount ST1 17 TOWNSHIP PR Enter Township Name or Numbers ST1 19 LOT SIZE ACREAGE PR Enter Lot Size or Acreage ST1 18 ACCESS PR Enter Yes and Name of Access Road OR Enter No ST1 20 Taxes Madison L D Taxes for the year PR Enter the last year that taxes were paid YY YY IN1 1 and thereafter First installment 2009 taxes in the amount of PR Enter the amount of Ist installment of tax CU1 2 is PR PAID UNPAID AND DUE 07 07 2010 OR SOLD ST 1 3 Second installment 2009 taxes in the amount of PR Enter the amount of 2nd installment of tax CU1 4 is PR PAID UNPAID AND DUE 09 07 2010 OR SOLD ST1 5 Third installment 2009 tax
116. of this commitment Carol Stream tax rate is 3 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form Cicero The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF CICERO As of the date of this commitment Cicero tax rate is 10 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form The town of Cicero requires the water bill be paid prior to closing NOTE If property is exempt from stamps a 25 00 exemption fee is required Des Plaines The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF DES PLAINES As of the date of this commitment Des Plaines tax rate is 2 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form Elgin No fee due
117. on the GFE provided by the lender By default the Owner s title insurance fees appear in the Buyer column If the Owner s title insurance fee 1s a GFE 5 item it should remain in the Buyer column A corresponding credit will automatically appear in Sections 200 and 500 on page 1 of the HUD 500 Reductions in Amount Due To Seller 501 Excess deposit see n tructions 502 Settlement charges to seller line 1400 503 Existing loan s taken subject to 504 Payot of first mortgage loan 505 Payoff of second morgage loan 506 SOF EMD 500 Disbursed as Proceeds 7 508 Owner s Policy Paid by Seller 500 00 Se as Sa 2275 00 If the Owner s title insurance fee is not on the lender s GFE it can be placed in the Seller column Page 7 17 Page 7 18 IV Owners Policy Premium Tat Mortgage Policy Premi To override the party responsible for payment of the Owner s title insurance fee click the Premium button on the Section 1100 toolbar Non GFE Item 0 00 345 00 and change the Who Pays override to Seller Pays 1 345 00 40 00 S Description Specify Amount Buyer Pays Buyer Pays Seller Pays GFE tem Ho Override Specify hat Percent Buyer Pays Seller Pays Mon GFE tem Mor oo PF NOTE You must then override Line 1103 to remove the Owner s title insurance fee from the Buyer column and enter the Owner s title insurance fee manually in Seller Column
118. or encumbrance that has or may become superior to the lien of the mortgage before the disbursement of the entire proceeds of the loan Lake Summerset Rest Winnebago PR Number of feet for Setback ST1 1 foot Building Setback line from the PR Direction of the setbackline ST1 2 line of the property as designated upon said recorded Plat Easement contained in the Corrected Final Plat No 2 of Lake Summerset reserved for and granted to Commonwealth Edison Company Illinois Telephone Company and Mid Illinois Gas Company and their ATG REsource User Manual Page 14 47 ATG 5 15 respective successors and assigns within the area of Lake Summerset Assigned to Otter Creek Lake Utility District by a document recorded July 5 1978 as Document No 1461483 found on Microfilm No 78 18 1078 Provisions contained in the Corrected Final Plat No 2 of Lake Summerset dated September 16 1969 and recorded September 25 1969 in Book 32 of Plats on page 262 NOTE A breach violation of the above noted restrictions will not cause a forfeiture or reversion of title Declaration of covenants and restrictions dated April 30 1969 and recorded May 7 1969 as Document No 1211783 found on Microfilm No 69 09 0319 together with provisions for assessments and liens Right of First Refusal contained in declaration of covenants and restrictions dated April 30 1969 and recorded May 7 1969 as Document No 1211783 found on Microfilm No 121
119. postdated 2 whether an individual can change or delete a deposit 3 whether an individual can undo delete and or stop void a check and 4 converting a check to a wire Checks and Deposits can be entered manually in these tabs but Complete Closing can create Receipts and Disbursements automatically from items entered in the HUD 1 Settlement Statement If the Earnest Money amount entered in the Order Entry gt Loan tab specifies the title company as holding these funds the first time this screen is opened the only entry in it will be a posted Deposit in your account for the Earnest Money Use this feature with caution ATG REsource User Manual ATG 5 15 fie Check Writing Iof x sl amp Status 2 i Bank 50 T Bank Deposits re Receipt I a e gt i m Delete Inv Acct K KA Description Payor mount Receipts and Disbursements Ledger and Summary 10 000 00 Loan Amount 2 400 UU UU 104 218 00 Funds from Buyer Bart J Buyer Deposit Date Transaction ID Type of Funds FA 1009001018071 Expected Wire Reference Number Out of Balance Deposits Checks 0 00 304 058 00 304 219 00 160 00 0 00 304 058 00 0 00 H The process can now begin of verifying the deposits and checks to be written making adjustments and adding manual deposits and checks as needed l To assist with the process click the Receipts and Disbursements Ledger
120. proper resolutions passed by the stockholders and directors of the party in title in conformity with the laws of the State of PR Enter State of foreign incorporation ST1 1 authorizing the execution of the deed of conveyance or mortgage should be furnished The certificate of authority of PR Enter name of foreign Corporation ST1 2 to do business in Illinois issued by the Secretary of State should be produced and in default thereof our policy will contain the following exception Consequences if any that may result because of the failure of the party in title to the estate or interest in the land described in Schedule A to comply with the applicable doing business laws of the State of Illinois CORPORATIONS MISCELLANEOUS Hospital Hill Burton Act Rights of the United States of America and the State of Illinois or either of them to recover any public funds advanced under the provisions of one or more of various federal statutes relating to health care or the Illinois Hospital Construction Act ATG RESourRce User Manual Page 14 17 ATG 5 15 Municipal Conveyance Upon a conveyance or mortgage of the land we should be supplied with satisfactory proof of compliance with the provisions of the Illinois Compiled Statutes regarding sale or lease of land by a municipal corporation as well as a copy of the ordinance approving the conveyance of the land and this Commitment is subject to such further exceptions if
121. rates Buyer Seller Tab The Buyer Seller tab contains two sub tabs one for the Buyers and one for the Sellers Unlimited Buyers and Sellers names and information may be entered for each file Use the Business Name field for corporations trusts or estates and use the Nmi and Nm2 fields for individuals names fa Order Entry Main Buyer Seller Loan Property 1 Buyer i Buyer Bart J Business Name First Last Buyers CN CS CSSS w rre Relationship of 2nd Person to First Wife Husband Partner Other Address 12344 Main Street City State Zip Chicago fit 50600 Work Phone Fax Cell Phone j x al x Buyers Sellers O Ce mt lt lo image S Buwvers Sele LOL x l E Le 2 Ea Zdi Buyer Seller Notes Realtor PO Attorney 1519323 ane Q Lawyer Notary I x Tax ID SSN SSN Name 2 E Mail Edit Buver Seller ATG REsource User Manual ATG 5 15 l Buyers Sub Tab a Click the Insert New Buyer Seller button to begin entering the Buyer name 1 Buyer Name Enter the complete names of the Buyers including middle initials If the Buyer is a corporation estate or a trust enter the name in the Business Name field 11 Marital Status Select Buyer s marital status 1f known 111 Buyer Address Enter the Buyer s address 1f known IV Buyer Realtor Enter the Buyer s Realtor if any V Buyer Attorney
122. reversed the Judgments or orders entered in said case B Right of any party served by publication or of any person claiming under said party to appear and be heard in regard to the judgments and orders entered in said case within the time allowed by law ATG REsource User Manual Page 14 25 ATG 5 15 C Right 1f any by reason of military service or of any person interested in the subject matter of the proceeding to redeem from the sale held pursuant to the judgment entered in said case within the time permitted by the Soldiers and Sailors Civil Relief Act D Right of the United States of America to redeem the land from any sale held pursuant to the judgment by reason of any federal lien which may presently or hereafter appear of record within the time permitted by law E Consequences of any failure to comply with the laws of the State of Illinois which specify the conditions under which the holder of the certificate of sale is entitled to obtain a Deed conveying title to the land described in schedule C hereof F Rights of the Purchaser of the land at a sale held pursuant to the judgment entered in said case and of all persons claiming thereunder relative thereto we note the right of Bank One N A Purchaser of the land at said sale We find no certificate of sale of Record G A proper Notice of foreclosure has been recorded as Document PR Insert Document number ST1 4 H Defects or additional inform
123. screen lists each receipt with the Transaction ID Date Description and Amount A new reconciliation lists all unreconciled receipts through the date of the reconciliation To clear a receipt click once on the line which highlights the line and marks it as as cleared Clicking the line a second time un clears the receipt The beginning balance that you entered when you created the new reconciliation using b the New Reconciliation button Select this checkbox to automatically recalculate the totals each time a change is made If the Auto Recalc check box is not selected the Calculator button displays for manual recalculation The name assigned to the account is displayed after the Auto Recalc checkbox The name is defined from the Escrow Accounts Bank Name in Complete Closing Supervisor The closing date of the bank statement entered when you created the new reconciliation using the New Reconciliation button The total dollar amount of the disbursements you have cleared by clicking and highlighting them The total dollar amount of the receipts you have cleared by clicking and highlighting them The ending balance of the bank statement entered when you created the new reconciliation using the New Reconciliation button If you are using a REsource Bank file Control file to enter other disbursements such as bank fees do not use this function If you are using a REsource Bank file Control file
124. select this option The Find Other Recon screen opens allowing you to select the recon to which the deposits are to be added WARNING This option affects the balance of both the current recon and the recon the deposits are being added to If you are adding deposits to a recon that has already been finalized each of the three way reports needs to be run again to verify the ending balance is correct Select this option to show all checks associated with the recon as outstanding This feature is commonly used in deleting the finalized recon and starting over NOTE This option is available only on finished reconciliations those finalized 1 using the Finalized Reconciliation button Select this option to show all deposits associated with the recon as outstanding This feature is commonly used in deleting the finalized recon and starting over NOTE This option is available only on finished reconciliations those finalized using the Finalized Reconciliation button Z Select this option if you created the reconciliation in error and want to delete it NOTE The recon can only be deleted once you have finalized the recon selected checks and all deposits and marked them as outstanding ATG REsource User Manual ATG 5 15 IV STARTING A NEW RECONCILIATION Follow these steps to create and balance a new reconciliation A Click the Bank Reconciliation button or select Tools gt Reconciliation The Bank Recon
125. should be furnished and this Commitment is subject to such further exceptions if any as may then be deemed necessary A Certificate of Good Standing for PR name of master LLC ST1 4 issued by the Secretary of State should be produced and in default thereof the final policy or policies will contain the following exception Consequences if any that may result by reason of the failure of the party in title to the estate or interest in the land described in Schedule A to comply with the applicable doing business laws of the State of Illinois Upon a conveyance or mortgage of the land a certified copy of the proper resolutions authorizing the execution or mortgage by PR name of series LLC ST1 5 a series of an Illinois limited liability company should be produced to ATG for examination and this Commitment and any Policies committed for thereunder are subject to such further exceptions as may then be deemed necessary General Wisconsin Terms provisions and limitations of the Articles of Organization and Operating Agreement for PR Enter name of Limited Liability Company ST1 1 a limited liability company The Articles of Organization and the Operating Agreement establishing the limited liability company of PR Enter name of Limited Liability Company ST1 1 together with all amendments thereto properly identified in writing by all the members as being the terms and provisions of the articles and agreement
126. the Invoice and HUD 1 Schedule Chicago area closings with Services Department at 312 372 1585 or chi_closing atgf com Full Closing ATG acts as the escrow agent by providing a closer HUD 1 Settlement Statement and the checks for disbursement The fee for this service will calculate automatically based upon the purchase price After Hours Fee Applies to closings scheduled before 8 00 a m after 5 00 p m or any time on Saturday or Sunday Checks and HUD Only ATG provides checks and the HUD 1 but not an independent closer CPL Lender The fee to ATG for issuance of the Closing Protection Letter to the Lender CPL Borrower The fee to ATG for issuance of the Closing Protection Letter to the Borrower CPL Seller The fee to ATG for issuance of the Closing Protection Letter to the Seller Dry Closing ATG Chicago area closings A fee will be assessed in the event of an unfunded transaction E Mail Package Fee The fee to the party downloading and printing the lender s mortgage documents Member Closer The member has an approved closer that provides settlement services The Settlement Agent on the HUD 1 Settlement will print the member s name and address Member Closer Admin Fee The fee to ATG from member closers in the Chicago area Multiple Loan Closing The additional fee for closing more than one mortgage for a single transaction Room Only The closing takes place at an ATG office howeve
127. the Line Number Description and Amount If an item does not have a Line Number leave blank Changes can also be made to any of the existing items by entering new data To delete an item use the Del Line button Del Line E When finished adding an item or adjusting current items click the Post Changes to Current Check button or press lt Tab gt to post the change F Change Payee Information I The Change Payee Information feature allows you to manually change the payee name and or address for a specific check without having to utilize the Agent or Buyer Seller lists A copy feature 1s also included to copy existing information and to make minor changes from this screen a Select the Checks tab and select the desired check ATG REsource User Manual Page 8 5 ATG 5 15 Page 8 6 b Click the Change Payee Information button Ez to display the Manual Payee screen C Enter the Payee Name and Address optional click OK f Check Writing a 2 Sj 8 O O stots 2 8 Bank 50 RQTEST Bank NER Del Line ch Payee Split gt gt Transter Print Undo Void Delete Hold Undo anf Stop Pay w AA mon oji number Dae Welts 10 000 00 1 258 50 5 027 50 100 00 Check e Status Line Description Amount Acc 20 00 524364 6 28 2010 Bt 40 000 00 TO ES ES C h an g e P ayee i nfo Betty Seller and Barney Selle 287 652 00 NANCY GEORGOUSES 160 00
128. the State of Illinois against PR Enter name foreign or Illinois ofcorporation ST1 1 a corporation existing under the laws of the State of PR Enter name of state where corporation was chartered ST1 2 Dissolved PR Enter name of dissolved Illinois corporation ST1 3 an Illinois corporation was dissolved on PR Enter date of dissolution of Illinois corporation DT2 4 We note the following with respect thereto and this Commitment 1s subject to the following exceptions 1 Rights of the creditors of said corporation including the United States of America 2 Right title and interest of the stockholders members of said corporation and those claiming under them 3 Franchise tax in favor of the State of Illinois Active Wisconsin The certificate of authority of PR Enter name of Wisconsin Corporation ST1 1 to do business in Wisconsin issued by the Department of Financial Institutions should be produced and in default thereof the policy or policies to be issued will contain the following exception Consequences if any that may result because of the failure of the party in title to the estate or interest in the land described in Schedule A to comply with the applicable doing business laws of the State of Wisconsin ATG REsource User Manual Page 14 15 ATG 5 15 Upon a conveyance or mortgage of the land provide a certified copy of proper resolutions passed by the stockholders and directors of
129. the name in the Business Name field 11 Marital Status Select the Seller s marital status 1f known ATG REsource User Manual Page 3 15 ATG 5 15 Page 3 16 C 111 Seller Address Enter the Seller s address if known IV Listing Agent Enter the Seller s Realtor if any V Seller Attorney The Seller Attorney will default to the member s name If the member s name is a title company name change the member s name to the actual attorney s name If Sellers are not married click the Insert New Buyer Seller button LF to add the next Seller To edit Seller information click the Edit Buyer Seller button gt Edit Buyer Seller Override Signature Block REsource automatically creates signature lines for the Buyer and Seller on several closing documents based on the Name fields in the Buyer Seller tab in Order Entry The Override Signature Block allows the user to modify signatures on all documents containing a signature block a b Select the Buyer Seller tab and enter the Name Click the Override Signature Block button faj Order Entry olx Main Buyer Seller Loan Property 1 Seller ef PA Sellers fo BI eS Edit Buyer Seller Seller Sally Business Name Notes Edit Buyer Seller First MI Last Ext Gender Nmt Sally Seller Listing Agent Nm2 E Attormey 3001 Test R Member Relationship of 2nd Person to First l wife C Husband Partner
130. the party in title in conformance with the laws of the State of Wisconsin authorizing the execution of the deed of conveyance or mortgage Franchise tax in favor of the State of Wisconsin against PR Enter name foreign or Wisconsin of corporation ST1 1 a corporation existing under the laws of the State of PR Enter name of state where corporation was chartered ST1 2 Dissolved Wisconsin PR Enter name of dissolved Wisconsin corporation ST1 3 a Wisconsin corporation was dissolved on PR Enter date of dissolution of Wisconsin corporation DT2 4 We note the following with respect thereto and this Commitment is subject to the following exceptions 1 Rights of the creditors of said corporation including the United States of America 2 Right title and interest of the stockholders members of said corporation and those claiming under them 3 Franchise tax in favor of the State of Wisconsin against PR Name of Corporation ST1 3 a Wisconsin corporation CORPORATIONS FOREIGN Foreign Certificate of Authority Wisconsin The certificate of authority of PR Enter name of foreign Corporation ST1 1 to do business in Wisconsin issued by the Department of Financial Institutions should be produced and in default thereof the policy or policies to be issued will contain the following exception Consequences if any that may result because of the failure of the party in title to the estate or interest in the lan
131. users to search through Categories and Descriptions for exceptions containing a key word To search all Descriptions in a category select the Category and enter a key word in the Search field and click the a Partial Description Search button a A list of matching Descriptions in that Category will display Fie Select Standard Language Items Category Commercial Prop Search By lien ae a Description Category Description Commercial Pr Commercial Braker Lien Commercial Pr Ea Commercial Broker Lien sil Commercial Pr Property Manager Lien Commercial Pn To search all categories enter a key word in the Search field and click the View All Categories button Gi A list of matching Descriptions in all Categories will display B Select Standard Language Items Category Commercial Prop Search By lien ag ie Description Category Description Lier Child support MLT rkfd euce Lier Chicago Transter Tas Search Lier Child Support Search Lien Federal Search Lien General Search Lien General NLT akid encelit Lien Judgment Search Page 5 11 Page 5 12 C To search for more Descriptions containing the key word click the Partial Description Search button 2 and the View All Categories button ee A list of matching partial Descriptions in all Categories will display Fa Select Standard Language Items Categorg Commercial Prop Search By Description ha fien RJE
132. want the text and either right click or click the All Options button and select Paste as Text or press lt Ctrl gt lt T gt to insert text NOTE Do not copy text without using the Paste as Text feature Doing so will cause the text to copy as an image that cannot be edited and will greatly expand the size of the file ATG REsource User Manual Page 5 13 ATG 5 15 Notes to Closer Notes for Information The Notes to Closer sub tab can be used to specify which endorsements have been approved for issuance with the Owner s Policy or Loan Policy m Commitment Policy Binder Commitment Policy Logging Al Cmt Sched Sched E Policy Policy Options Standby Fees and Taxes Year aj 2 County F Leave Blank Signatory Property Type r Haam Hotes to Closer Fremium Informatio Owner Premium 1 500 00 Mortgages Premium 650 00 5 Premiu Sched B Sched B Req Exceptions Motes to Closer Select the Notes to Closer sub tab The text area displays Enter the Notes relating to this file or click the Lookup Standard Language Items button 4 and select Notes for Information from the Category menu II INVOICE FOR TITLE CHARGES PROCEDURE AND DOCUMENTS Several Invoice for Title Charges documents are available in REsource The Invoice documents pull fees directly from the ATG Edit Services screen Recording fees and miscellaneous items have been added to ATG Edit Services to produce a
133. 0 and such other sums as provided therein Terms provisions covenants conditions and options contained in and rights and easements established by the Declaration of Condominium Owner recorded September 1 1987 as Document No 87 11111 as amended from time to time ai Limitations and conditions imposed by the Illinois Condominium Property Act o Furnish ATG with a certificate executed and acknowledged by the Secretary of the Board of Managers stating that compliance has been made by t owners with the provisions of the Condominium Declaration or that said provisions relating to preemptive rights have been duly waived by the Board Managers and the nghts of the Board thereunder have terminated 4 Mark Selected Text for Inclusion on all Policies Black By default all exceptions will be black for inclusion on the final policy 5 Mark Selected Text for Inclusion on Owner s Policy Only Blue 6 Mark Selected Text for Inclusion on Loan Policy Exclusion from Owner Policy Pink 7 Mark Selected Text for Exclusion from All Policies Olive OwWNER S POLICY SCHEDULE B Instructions for preparing Schedule B of the Owner s Policy To prepare the Owner s Policy and or Loan Policy select the Policy tab Commitment Policy Logging fl Cmt Sched A SchedB Policy Policy Options Owner Policy Number 100900101807 01 RE Date FAI Time C am pm Mortgagee Policy Number 1003001 01507 01 Bal g Policy Num
134. 0 00 a Recordings Click the checkboxes to select documents Recording fees will calculate for the following Illinois counties Cook DuPage Kane Lake McHenry and Will For all other counties or to override the automatic calculation double click the Buyer or Seller column to display the Consumer Charge Override dialog box b Miscellaneous fees will be added to the Invoice for Title Charges Closing Statement and the HUD 1 Settlement Statement Miscellaneous items can be directed to HUD 1 Settlement Statement in either Additional Title Services rolling up to line 1101 or to the 1300 section 1 Click the Add Mise button FMC to add miscellaneous fees ATG Services Title Prep Endorsements Closing Search Rec Misc Commercial Other ATG Buyer Seller i Misc Service 3 Service Name Misc Additional Title Services ltem f HUD 1300 section IECTEE Borrower Amount fo 00 Seller Amount 0 00 Misc Sample Misc Service Wire Fee Delete Misc 0 00 35 00 0 00 ATG REsource User Manual ATG 5 15 ATG RESouRCE User Manual ATG 5 15 11 Enter a description of the fee in the Service Name field 111 Select either Additional Title Services Item or HUD 1300 section IV Enter the amount in either the Borrower or Seller field V Click OK Commercial Other Tab Select endorsements that may be required for commercial property Click the app
135. 0 00 BUY Less reductions in amt due seller line 520 54246416 603 Cash To Seller 57 535 82 F 2010 HUD Page Two The Expand All Sections button Fal must be selected when working on page 2 of the 2010 HUD B S a le 4 28 Page One Page Two Page Three fd HUD Settlement Statement a e lale id e Fage One Page Two Page Three L Settlement Charges Ee aA 700 Total Sales Broker s Commission based on price a a Faid From Faid From Division of Commission line F00 as follows Borrower s sellers Funds 701 ta Funds at at Settlement A to Settlement 703 Commission Paid at Settlement S o y 0 00 801 Our origination charge to from GFE 1 eS os eo 802 Your credit or charge points for the speci to from GFE HI pee aoa aaa p To enter a negative figure anywhere on the HUD begin the number with a minus sign Negative numbers are displayed in parentheses Leave all Account Code fields blank E Additional lines of information can be inserted after the last line in any section of the Page Two tab Sections 700 1300 except 1000 or use the toolbar E Haj located at the top right of each section a H Add a line b Delete a line C Insert a line d 2 Override Clear Override e Enter Paid by Other Parties Sections 800 1000 P The following codes are used in the POC Paid Outside of Closing column within the HUD X to withhold fu
136. 00 10 345 00 04 08 2009 1 000 00 90 003 00 89 003 00 05 08 2009 150 00 150 00 05 08 2009 105 468 33 105 468 33 06 01 2009 Mi 150 200 00 200 00 150 000 00 07402008 300 00 2 500 00 2 200 00 05 08 2009 0 00 15 000 00 15 000 00 01 08 2009 45 488 00 45 488 00 10 01 2008 Me 17 450 00 17 450 00 10 01 2008 27 067 00 12 087 00 15 000 00 4 0 01 2008 13 154 00 13 154 00 10 01 2008 1 158 00 1 035 00 123 00 10 01 2008 1 2 2 0 0 0 0 0 0 0 0 0 GC The Open Investment Accounts screen opens for all branches To display accounts for a particular branch select the branch from the Branch drop down To display accounts for a particular region select the region from the Region drop down Based on your user settings defined by your System administrator you may only view regions you are assigned to ATG REsource User Manual Page 9 23 ATG 5 15 Sort items by clicking the column heading Sorting by the Last Activity column shows the oldest open files first Sorting by the Account Balance allows you to prioritize attention to files based on size of outstanding investment balance The buttons on the Open Investment Accounts and the Investment Account for File screens are described below BUTTON FUNCTION Edit View Selected Click this button to open the Investment Account for File nu screen to view or edit the information Print Click this button to print a list of investment accounts Pri
137. 06 45 1 0206013 ATG Fees and Transters 155 00 1309001 02607 2 04054013 Funds from Buyer 20 534 11 02062015 Test R Member 1 666 00 Bank 597 1 02 26 2015 Initial Deposit 1 500 00 3 0206 2015 Recorder of Deeds 38 00 5 CAO 2013 Relax Properties 2 500 00 B 029082013 Johnson Agency 3 000 00 T 0DADB2013 Farm Bureau Insurance o 1 140 00 i 5 0A062013 Equitax 630 00 O20B2013 Marion County Auditor 15 00 10 O20B2013 Blue Sky Community Wani 425 00 12 02062015 HAMS 420 00 13 0206 2013 Henry T Seller far 296 11 Ca zl 7 00 0 00 0 00 EL EL 0 00 0 00 0 00 0 00 ATG REsource User Manual Page 9 3 ATG 5 15 C Disbursements Receipts Beginning Balance Auto Recalc Account Name Thru Date Cleared Disb Cleared Rec Ending Bank Bal Other Disb Other Rec Your Ending Bal Total Disb Total Rec Difference The fields on the Bank Reconciliation screen are described below FIELD DESCRIPTION The left side of the screen displays each disbursement with the Number Check Date Payee and Amount A new reconciliation lists all unreconciled disbursements through the date of the reconciliation These items are listed with Transfers and Wires in date order followed by checks in order by check number To clear a disbursement click once on the line which highlights the line and marks it as cleared Clicking the line a second time un clears the disbursement The right side of the
138. 1 000 000 To enter additional information the PTAX 203 must be open Click File gt Open gt PTAX 203 A ia Transfer Tax File 080900101004 File Edit Window Close PTax 203 PTax 2036 Save PTax 203 Ctrl s Print Ctrl P Exit Ctrl x Transfer Taxes 1 100 000 00 Personal property 0 00 Q PTAX 203 B l In addition to the PTAX 203 form the PTAX 203 B can be printed when transferring a beneficial interest in real property without using a deed or trust document Cook County Transfer Declaration Chicago Transfer Declaration ps To enter the necessary information the PTAX 203 must be open Click File gt Open gt PTAX 203 B PA Transfer Tax File 080900101011 Eile Edit Window Close PTax 205 PTax 2036 Save PTax 203 Ctrl s Print Ctrl F Exit i E VI INSTRUCTIONS FOR PREPARING COOK COUNTY TRANSFER DECLARATION Cook County Transfer Declaration Chicago Transfer Declaration A From the Transfer Tax window click File gt Open and select Cook County Transfer Declaration 1s Transfer Tax File 060900101004 Eile Edit Window Illinois PTax 203 Close Cook County Transfer Declaration Seve Ctr 5 Chicago Transfer Declaration Print GTI Resource File Exit a0 Cook County Transfer Tax Parcel Information Parcel No 12 31 56 0000 f Print separate form for this parcel Exemption Information J Transfer prior to 5 27 1979 J Governmental
139. 101 065 00 57 2009 150 389 00 1 000 00 149 389 00 572009 13 900 00 4 460 00 10 440 00 5441 2009 5 000 00 0 00 5 000 00 5 13 2009 146 500 00 550 00 145 950 00 5442009 325 686 95 161 887 92 163 999 03 514009 47 500 00 5 000 00 2 500 00 54 5 2009 277 00 01 00 277 00 5 20 2009 D Sort items by clicking the column heading Sorting by the Last Escrow Activity column shows the oldest open files first Sorting by the Account Balance allows you to prioritize files by size of outstanding balance Select the Show Files with Memos only check box to see only files with escrow memos Edit the memo by double clicking the field E Color is used on line items to indicate the state the order is in Gray indicates a file that has been locked from all changes Light green indicates a file that has been locked from escrow changes XX OPEN INVESTMENT ACCOUNTS A The Open Investment Accounts screen enables you to review files with an open investment account You can limit the display to accounts belonging to a single branch or show all branches Use this screen to monitor files for which funds are currently in an investment account view details on an individual account and or to make adjustments to it B To open the Open Investment Accounts screen use one of the following methods l Click the Active Investment Accounts button 2 Select Tools gt Investment Accounts or 3 Press lt Alt gt lt T gt then lt P gt 0 00 10 345
140. 13 Bank 897 1 Bank 897 Inital Deposit 1 500 00 Total Receipts 103 740 54 3 To print the report click the Print button To adjust the display size use the Zoom buttons ATG REsource User Manual Page 9 27 ATG 5 15 B Checks for a Date Range l The Checks for a Date Range report provides details on all checks issued from an escrow account within a defined date range Checks are included whether they have been reconciled or not For each check the report displays the Check Number Date File Number Payee and Amount It also calculates the total for all issued checks This report may be useful for investigating discrepancies in your Bank Reconciliation or the Three Way Balance components 2 To run the report a Select Reports gt Checks for a Date Range or press lt Alt gt lt R gt then lt C gt a Book Balance Select Bank Starting Date orm nota FA Ending Date osv20 2013 FA x Cancel b From the Select Bank drop down select the escrow account NOTE The Bank drop down list displays only region specific banks 1 e Region 1 users see only Region 1 banks C Enter the Starting Date or click the Calendar button FA to select a date d Enter the Ending Date or click the Calendar button Ea to select a date e Click OK to run the report or click Cancel to exit without saving changes Deposits for 01 01 2013 through 05 20 2013 Prepared 5 20 13 RECONTEST Bank Receipts Date Tran
141. 1696 155200 350000 97500 0 428000 of X cm 4 You may a Select a file that is a template or b Click the All Orders button _ Borders to list all of your files 5 Select the file that you want by either double clicking the file name or clicking the file name once to highlight it and clicking OK The data from the existing file will now appear in the new file NOTE The Sale Price Earnest Money and Loan Amount will not be copied from the existing file You must also go to the ATG Services screen to select services and calculate rates C Using a Template for the Commitment Policy l To copy the commitment policy data from an existing file into a new file click the Commitment Policy button Ke or select Commitment Policy Binder from the Data Entry menu 2 Click the Use Template button 1 NOTE It is recommended that you use the Template feature prior to adding data to the Commitment Policy tabs Two confirmation messages will display upon selecting Use Template indicating that any data previously entered in the Commitment Policy tabs will be deleted and replaced with the data from the selected existing file 3 Click OK on the confirmation prompts that indicate the selected template will override any data entered in the Commitment Policy tabs ATG RESouRCcE User Manual ATG 5 15 Page 13 29 REsource Testing Int 192 168 1 10 25 Remote Desktop E loj x RE Complete Clo
142. 1783 for particulars of which we refer to the public records Easements contained in declarations of covenants and restrictions dated April 30 1969 and recorded May 7 1969 as Document No 1211783 found on Microfilm No 69 09 0319 for particulars of which we refer to the public records Assigned to Otter Creek Lake Utility District by Document recorded July 5 1978 as Document No 1461483 found on Microfilm No 78 18 1078 Easement created by grant dated March 29 1978 and recorded May 10 1978 as Document No 1311901 found on Microfilm No 73 11 0344 made by the Cosmopolitan National Bank of Chicago as Trustee under Trust Agreement dated August 1 1969 and known as Trust No 18600 to Boise Cascade Home and Land Corporation and Lake Summerset Utilities Corporation Assigned to Otter Creek Lake Utility District by document recorded July 5 1978 as Document No 1461483 found on Microfilm No 78 18 1078 Interest of Lake Summerset Association Inc in all oil all other minerals of every kind and description and all air rights in and upon premises in questions under deed dated April 30 1973 and recorded May 10 1973 as Document No 1311906 found on Microfilm No 73 11 0383 made by the Cosmopolitan National Bank of Chicago not personally but as Trustee under the provisions of a Trust Agreement dated August 1 1969 and known as Trust No 18600 and under deed dated April 20 1973 and recorded May 10 1973 as Document No 1311907
143. 2nd Mortg Sched E 2nd Ins Mortg Desc T 4 r Page 12 2 ATG REsource User Manual ATG 5 15 Select the 2 Ins Mortg Desc sub tab Click the Lookup Standard Language Items button From the Category drop down select Mortgage From the resulting list select New 2 Mortgage This exception will insert the names of the buyers second lender name and second loan amount Enter the recording information at the prompts Fi Commitment Policy Binder Commitment Policy Logging ire Cmt Sched A SchedB Policy Policy Options Owner Policy Number Foogonmeozon Bla Date Jeva2010 FA Time BE Mortgagee Policy Number fi 009001 01807 01 Faal 2nd Mortg Policy Number fi 00500101 807 01 A E p Hee te teu nepel bate EA Fremium Information Owner Premium 1 445 00 Mortgages Premium 595 00 5 Premiu 4 3 8 8 6 ongage dated June 2 2010 and recorded June 1 2010 as Document Mo 1000000 executed by Bart Buyer and given to Second Federal Savings amp Loan Assoc of Chicago to secure a note in the amount of 40 000 00 and other such sums as provided therein nd Ins Mortg Dese 2 Ins Mortg Desc Owner Sched B Waortg Sched B Mortg Sched E Il Insured Marta end Moita SchedB 2nd Ins Mortg Desc T 4 gt I Copy and paste the second mortgage description into the text box under the Mortg Schedule B II sub tab The first mortgage description must also be copied into t
144. 6 as Document No PR Insert Document number here ST1 9 Mortgage Mortgage dated PR Date of Mortgage DT2 7 and recorded PR Date mortgage was recorded DT2 6 as Document No PR Document No of mortgage ST1 3 from PR Name of borrower s ST1 4 given to PR Name of lender ST1 5 its successors and or assigns to secure a debt in the amount of PR Mortgageamount CU1 6 and other such sums as provided therein Real Estate Taxes Taxes for the year PR Year of taxes NOT paid ST1 1 and thereafter First installment of PR Year of Ist installment IN1 8 taxes in the amount of PR amount of Ist installment CU1 3 is PR Current status of Ist installment of taxes PAID etc ST1 4 and due 6 4 10 Second installment of PR Year of 2nd installment IN1 8 taxes in the amount of PR amount of a installment CU1 6 is PR Current status of 2nd installment PAID etc ST1 7 and due 9 3 10 Totaling PR Total of Ist amp 2nd Installment CU1 8 2008 and prior years taxes appear to be paid in full Taxes for the year 2010 are not yet due or payable ATG RESourRce User Manual Page 14 45 ATG 5 15 PIN DB Property TaxID NO Restrictions Provisions detailed in Covenants Conditions and Restrictions for PR Subdivision name ST1 1 which document was dated PR date of restrictions DT2 2 and recorded PR date restrictions were recorded DT2 3 as Document No PR Document No of restriction
145. 71 Buyer CPL ME sources 2011 WreekO0S4 110794 CPL 3242011 8 Seller CPL MMFE source 2011 4 eek094110194 CPL A201 E Closing Package M SRE source 2011 4 eek09110194 Seac 3 9 2011 1 Commitment NSA sources 2011 Yw eek094110194 Corp 3 22 2011 Later Date Search MIRE source 2011 4eek09 110194 Sear 3422 2011 File Attachment 1101946031 78CPLB_2011032082149_1 pdf Adobe Reader File Edit wiew Document Tools Window Help Baleer eer Hoar _ 2 C7 ATTORNEYS TITLE GUARANTY FUND INC CLOSING PROTECTION LETTER LENDER BORROWER PURCHASER March 02 2011 TRANSACTION hereafter the Real Estate Transaction Attorneys Title Guaranty Fund Inc Commitment for Title Insurance Number 110194 C Click the Zoom drop down menu to select a preset magnification ae f 2 D Click the page navigation arrows to move to a different page ATG REsource User Manual Page 13 1 ATG 5 15 E Click the Print button 5 to print the document NOTE To print a document from the Attached File Manager highlight the document and click the Print button on the toolbar or click the File menu to print all or selected pages of the image 40 Attached File Manager o Description Frint selected document 2 Initial Search ARE sources 201 14week094110194 Searc EEEE PpBuperCPL NhEsaurcet20ilweekOgN110194 CPL 3 2 2011 8 F Highlight your local printer from the Selec
146. A eRe ek ae een nemo re 7 43 DIS A CE VET EN earache Re E ian toeaciaseneae ti ssuieesesni nena 8 1 CREA TING RECEIPTS AND DIS BUR EMEN ES denses een een De ann pas tete ea ee ee eee mea ans nee 8 1 PrO Oe S ene a ST A OE ae ee ene ee On ee oer ae ne ee A oer ee etree err ee 8 1 CR Tee eT oo NO ee ame een te eevee ere ee Ie 8 5 T CROY ae COUNTING a crade elite lee esta sde 9 1 OT aces 9 1 ESCROW ACCOUNTING DR a D ee a a i a be ns D ao 9 2 BANE RI CONCILIATION anann ee pects asa D eet odin D te 9 3 STARTING A NEW RECONCILIATION are veer essence ntietna teste gtwiee pone E AE EEE E ENAA ENNE E 9 7 THREL WAY BALANCE sospeison nann SA a EA a E E ANA 9 8 POLECA E eroe EE E E 9 9 E TOW IRALL BALANC E pennae E a EEEE EON 9 10 RON CR ED D EENAA AAE E a EEEE 9 11 TAREL WAY SUMMAR Y CPR 9 12 OUTSTANDING CHECKS RECONCILED BANK BALANCE scccsscssscossccecccscssccscsssccssccsccscessccscsescesscessccscesscecssescessceessesces 9 12 FULL THREE WAY WITH SUMMARY ann se mnan ec enaons een ace nes mie OENE een RENAE EA AREEN EEEN Eden Reu een Ne ec ea EARE REEERE ES 9 13 AT YING DEPO ITO RE peer ease EEE NEERU cea FENER EREA KEEN dia EAEEREN EES EEE A EEEE EEN FR 9 14 ADDING OR ADJUSTING CHECKS AND DEPOSITS sascsinssciecsssscaseinnsssincaveesivaasiinednegsdiensnncsilociansuwecvemausnmenedewedsonesGinedandadecssseetecdteanos 9 15 ee AAA E E OE E E A A T 9 15 Me OM Fe a E E A A EA E A E AAA 9 16 RSR ASS Le UD DEAR SOUS DUR OISE a a aAa A AEA a aa aa ARa aNG 9 18 CE
147. A to o Escrow Processor User Defined Dates Confirm Date to FA Source of Business Need SRCH By to FA Sales Price Range to l Main tab Allows you to enter general information about the order 2 Loan Misc tab Allows you to enter Loan and Miscellaneous information about an order or range of orders Property tab Allows you to enter Property information 4 Web Commit tab Allows you to enter Commitment Policy and PaperlessCloser information 5 Agent Searches tab Allows you to search for Agents 6 Buyer Seller tab Allows you to search for Buyers and Sellers C Printing Reports To print a report of the search results select the Print tab EXAMPLE To print a list of closings during a specific time period l Select a beginning Closing Date 2 Select an ending Closing Date 3 Click the Search tab 4 Click the Print tab to display the document 5 Click the Print button Print to print on paper 6 Additionally results can be saved as a PDF Excel or Word document by clicking the corresponding button REsource Testing Int 192 168 110 25 Remote Desktop oj xi Moa fi gt D Ss w Close Complete Closing Search Results File Number 040900100162 Desc asd alkjd kla jdklaj dikas jd Open Bate 1122822004 Status OPEN Buyer Buyer BIH Ciuse Date 1270972004 COST TIRE ATS Selter Seller sally Sales Price 300 000 00 Close Agent Lender abc EENDE
148. BO Sep Srch For use with the three page 2010 HUD 1 Settlement Statement No Breakout of Title Charges and Separate Search Fees e Doc Inv for Title BO Chicago Area For use with the two page HUD 1 Settlement Statement Breakout of Title Charges f Doc Inv for Title NBO Chicago Area For use with the two page HUD 1 Settlement Statement No Breakout of title Charges g Doc Inv for Title BO Sep Srch For use with the two page HUD 1 Settlement Statement Breakout of Title Charges and Separate Search Fee h Doc Inv for Title NBO Sep Srch For use with the two page HUD 1 Settlement Statement No Breakout of Title Charges and Separate Search Fees 1 Doc Invoice Services REFI 2010 For use with the three page 2010 HUD 1 Settlement Statement Refinance Invoice Breakout of Title Charges Page 5 15 Page 5 16 Doc Invoice Services REFI 2010 NBO For use with the three page 2010 HUD 1 Settlement Statement Refinance Invoice No Breakout of Title Charges k Doc Invoice Services REFI For use with the two page HUD 1 Settlement Statement Refinance Invoice Breakout of Title Charges l Doc Invoice Services REFI NBO For use with the two page HUD 1 Settlement Statement Refinance Invoice No Breakout of Title Charges NOTE All selected services and fees on the ATG Edit Services screen will populate the Invoice documents and the HUD 1 Settlement Statement Therefore when updating fees for title charges endorsements recording
149. Borders acquired title to the subject premises by Warranty Deed dated March 28 2001 and recorded April 10 2001 as Document No 2001R0021911 in McHenry County Illinois Chain CHAIN OF TITLE We have searched the records of the Recorder of Deeds for a period in excess of 12 months from the date of this commitment and have confirmed that the current owner obtained title to the subject property by Deed dated and recorded as Document No in County Illinois EXCEPTIONS Name Affidavit Attorneys Title will require a Personal Name Affidavit executed by PR Type Individual s Full Name ST1 1 and this Commitment remains subject to further such exceptions Supervisor s Resolution Building Lines as set by Board of Supervisors Resolution adopted June 6 1966 and recorded in Book 2017 on page 13 Monroe Rights of the public the municipality and State of Illinois in and to that portion of the land taken or used for roadway purposes if any Rights of the public or quasi public utility companies in and to any portion of the land used for utility purposes Rights of way for drainage ditches feeders tiles and laterals 1f any Subject to building lines easements and restrictions 1f any of record No search has been made of the coal oil gas or other mineral title and our policy if and when issued will except the coal oil gas and other mineral title and all rights and easements in favor of the estate of sa
150. Buyer s Realtor Other Maximum number of lines 209 Section 200a Page 7 34 3 a Complete Closing inserts amounts for Lines 201 and 202 from the information entered in the Loan tab in Order Entry l The description for Line 201 can be changed by typing over the existing text 11 To change the Earnest Money amount go to the Loan tab in Order Entry Enter Debit Credit Double click the D C checkbox and copy the item and amount to the corresponding line NOTE Marking an X in the POC field will apply a credit to the Loan Amount ATG REsource User Manual ATG 5 15 C This section also displays the party holding the earnest money as entered in the Order Entry screen Loan Misc tab and allows you to change it if necessary by selecting another option 200b Adjustments for items unpaid by seller KWES D C Amount icet Code 5 210 County property taxes 07 0108 thu dza 2127 11 62 11 County property taxes 01 01 09 thru 09 09 09 E sanman 212 Special Assessment thru wir 213 Homeowner Sec Dues thru T 214 Flood insurance thru Ol 215 Other taxes thru 01 216 to ES 217 to SR ee 218 to SE 219 to m ET 220 Total Pan By For Borrower 10323222 ss Maximum number of lines 219 4 Lines 300 303 Complete Closing automatically updates and calculates these fields 300 Cash At Settlement From To Borrower 301 Gross Amount due from borrower line 120 302 Less amou
151. C Member in Good Standing DOC Member Loan Policy Transmittal DOC Member Owner s Policy Transmittal DOC Member Order Confirmation DOC Member Payoff Manual Loan DOC Notarial Record DOC Notes for Information Page 6 7 Page 6 8 DOC Order Information Request DOC Owner s Policy Transmittal DOC Payoff Request Letter DOC Personal Information Affidavit DOC Personal Undertaking DOC Personal Undertaking Gap DOC Power of Attorney Il Short From DOC Privacy Notice DOC PTax DOC SB1167 Borrower Exemp Affidavit DOC SB1167 Borrower List of Notices DOC SB1167 Closer Compliance Checklist DOC SB1167 Closer Exempt Checklist DOC SB1167 Lender Exempt Affidavit DOC Solicitation of Taxpayer ID DOC Survey Request DOC Tenancy Entirety Affidavit DOC Water and Zoning Application DocsCC ATGHH1 END Against Loss Encroachment END Against Loss Liens Encumb END Arbitration Modification END Balloon Mortgage 1 END Commercial EPL END Comprehensive 1 END Construction Loan Disbursement END Contiguity 1 END Cross Liability END Date Down 1 END Date Down 2 END Encroachment Note END EPL Indiana END EPL Wisconsin END Estate Planning Conveyance END Form E END Future Advances END Gap Coverage END Gap Undertaking Commercial END Homestead END Inflation END Inst Contract Purchaser s A END Inst Contract Purchaser s B END Legal Description END Owner s Comprehensive END Owner s Comp 1B Commercial END P IN
152. City of Elgin All money due City of Elgin must be paid in full before issuance of Elgin Transfer Stamps EIk Grove The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF ELK GROVE As of the date of this commitment Elk Grove tax rate is 3 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form NOTE If Property is exempt from stamps a 25 00 exemption fee is required ATG REsource User Manual Page 14 39 ATG 5 15 Elmhurst The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the CITY OF ELMHURST As of the date of this commitment Elmhurst tax rate is 1 50 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form Elmwood Park The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF ELMWOOD PARK As of the date of this commitment Elmwood Park tax rate is 5 00 per 1 000 00 payable b
153. Deeds of PR Enter name of County where environmental document was recorded ST 1 6 County Wisconsin ESTATE MEO Mortgage Electronic Registration Systems MERS Mortgage Electronic Registration Systems Inc acting solely as nominee for taxes The lien of taxes for the year 2008 and thereafter P I N First Installment 2008 taxes in the amount of have been paid Second Installment 2008 taxes are not yet due or payable 2009 General real estate taxes are not yet due or payable Plat Easements for public utilities and drainage and building setback lines as shown on the Plat of Subdivision Covenants Conditions and Restrictions as shown on the Plat of Subdivision ATG RESsourRce User Manual Page 14 23 ATG 5 15 PUD This property is located in a planned unit development that has a homeowner s association Quarterly monthly or yearly association dues are assessed A letter from the association or management company stating that all dues are paid and that all requirements have been met will be needed at closing Plat Easements for public utilities and drainage and building setback lines as shown on the Plat of Subdivision Covenants Conditions and Restrictions as shown on the Plat of Subdivision CHAIN OF TITLE We have searched the records of the Recorder of Deeds for a period in excess of 24 months from the date of this commitment and have confirmed that the current owners Mark A Borders and Kimberly B
154. E AEE E A A A ton mesasacmaseatossuietennianecdeaues 14 74 snes A E E E 14 74 Page iv ATG REsource User Manual ATG 5 15 THIS PAGE INTENTIONALLY LEFT BLANK ATG REsource User Manual Page v ATG 5 15 Introduction AX ATG 1 INTRODUCTION I OVERVIEW Welcome to the ATG REsource Title and Closing Production System ATG teamed up with award winning software developer RamQuest and created ATG REsource our new title and closing production system II ABOUT THE SOFTWARE ATG REsource is Internet based comprehensive intuitive and easy to use Using this product members or ATG employees can easily enter all title and closing data through a simple order entry format It produces RTF Rich Text Format documents that permit integration with Microsoft Word According to members using ATG REsource the following features are the most beneficial integrates all aspects of the real estate transaction shares transaction data with all parties to the transaction provides screens designed with a logical work flow and offers simplified data entry and retrieval produces all documents necessary for real estate transactions reconciles your escrow accounts provides pre designed reports and maintains an Agent list of lenders Realtors attorneys and any other repeat customers or contacts Hl THE ASP ADVANTAGE The Application Service Provider ASP environment allows ATG to have ATG REsource on o
155. Effective Date PR Enter name of title company issuing letter teport ST1 1 has made a thorough search of the records at the courthouse of PR Type County Name ST1 2 County as of PR Type Effective Date of Search DT2 3 and we find the following The vested owner s of the property is are PR Type Name s of Vested Owner s ST 1 4 Letter Report Taxes Assessments The PR Enter the last year the taxes were paid IN1 1 tax in the amount of PR Enter full amount of taxes CU1 2 is PR Enter PAID UNPAID AND DUE SOLD REDEEMED ST1 3 All previous taxes have been paid There are no special assessments showing open for the property referred to herein Letter Report Closing This is a copy of our limited search of this title This is not a title insurance commitment Our liability for error is limited to the fee paid herefor STREETS ALLEYS Ordinance of Vacation Reservation of easement contained in the ordinance of vacation dated PR Enter date of vacating ordinance DT2 1 and recorded PR Enter date vacating ordinance was recorded DT2 2 as Document No PR Enter recorded Document number of vacating ordinance ST1 3 for the benefit of PR Enter name s of person keeping easement ST 1 6 ATG RESourRce User Manual Page 14 71 ATG 5 15 Rights of Public Rights of the State of Illinois the municipality the public and the adjoining landowners in and to the vacated P
156. Exceptions 1 5 Rights or claims of parties in possession not shown by the public records Encroachments overlaps boundary line disputes and any matters that would be disclosed by an accurate survey and inspection of the premises Easements or claims of easements not shown by the public records Any lien or right to a lien for services labor or material heretofore or hereafter furnished imposed by law and not shown by the public records and Taxes or special assessments that are not shown as existing liens by the public records Broker s Lien Rights or claims of parties in possession not shown by the public records Encroachments overlaps boundary line disputes and any matters that would be disclosed by an accurate survey and inspection of the premises Easements or claims of easements not shown by the public records Any lien or right to a lien for services labor or material heretofore or hereafter furnished imposed by law and not shown by the public records and Taxes or special assessments that are not shown as existing liens by the public records Commercial Broker Lien Wisconsin Information should be furnished establishing whether any written agreement has been entered into by and between any party or broker for the purposes of buying selling leasing or otherwise conveying any interest in the land described herein and if any such agreement has been entered into satisfactory Page 14 8 ATG REsour
157. G COMMITMENT FORM SCHEDULE A aac Ja eee Me cn 2 rr re a ne is LPS EE actos tener ates Ee encase died A tee 7 Pe sie e aig a eee aoa e D a De Ty oan Bic 3606 AEEA oan Boi Rs ot ee ES oes cane ae as view documents ee DOC Disclo DOC Disclo DOC Inv 20 DOC Iny 20 DOC Iny 20 DOC Notes DOC Privac POLOG Comm POLOG Comm POLOS Comm p3 A Prints current or all documents B wi Sends current or all document s to Word C E Converts current or all document s to PDF NOTE Although you can edit documents before you print we recommend that you do not change any data Instead return to Complete Closing and make appropriate data changes in the data entry field Otherwise the data changes in your document will not be reflected in Complete Closing or in future documents IV SAVING A DOCUMENT LOCALLY A Windows XP Operating System When a document appears in the Document Viewer select Send To or Send All To and then select Word Outlook or PDF B Windows Vista or Windows 7 Operating System Select File gt Save As or File gt Save Current as PDF Select your desired local drive and folder Page 6 4 ATG REsource User Manual ATG 5 15 ajx Look in E My Documents e e Fee B My Recent Documents Desktop My Documents 5 pat My Recent Documents a My Computer s Local Disk C 2 DVD Drive D Roman on chi nas 01 G S legal on chp nas 01 L Se atg on chi na
158. GSR pelt eee eB Grit ccna E EE LE Fe PF Zoning Certification 0 0 ATG Buyer Seller 0 00 0 00 0 00 0 00 0 00 0 00 0 00 0 00 0 00 E eee 0 00 0 00 0 00 Pee 0 00 0 00 0 00 eee 0 00 0 00 0 00 0 00 0 00 0 00 0 00 0 00 0 00 rare 0 00 0 00 0 00 tte 0 00 0 00 0 00 ee ear ee 0 00 0 00 0 00 LT aT 0 00 0 00 0 00 E 0 00 0 00 0 00 0 00 0 00 0 00 0 00 0 00 0 00 0 00 0 00 0 00 TOERE 0 00 0 00 0 00 AA 0 00 0 00 0 00 0 00 0 00 0 00 Rd 0 00 0 00 0 00 Use Only 0 00 0 00 0 00 Later Date Search Add Later Date Delete Later Date 0 00 0 00 0 00 Certified Copies Initial Full w o Prior Initial Full Search 20 year search without prior title evidence This includes one Later Date search ATG REsource User Manual ATG 5 15 ATG RESouRCE User Manual ATG 5 15 Initial Full w Prior Initial Full Search with prior title evidence This includes one Later Date Search J amp L Search Only A search of Buyer Seller names only Location Note Locates the insured premises Single Family Residence Unit No etc Used to complete the Location Endorsement Lot Update Used when generating a title commitment from a master policy Minutes of Foreclosure An initial full search on property as a part of the foreclosure process Record Owner A search to determine the owner of the property Redemptions An estimate from the county for unpaid taxes Rush Sear
159. General Proceedings pending in the Circuit Court of PR Enter name of County ST1 1 County entitled Estate of PR Enter name of disabled person ST1 2 a disabled person under Case No PR Enter disabled person s case number ST1 3 Any conveyance of the land must be made by the guardian of the Estate of PR Enter name of disabled person ST1 1 a disabled person pursuant to a proper order entered in Case No PR Enter minor s case number ST1 2 and such conveyance should recite that the same is executed pursuant to a proper order entered in Case No RP 2 ordering the conveyance and should recite therein the full consideration for which it is given In addition the guardian should file the bond required by the Probate Act Page 14 20 ATG REsource User Manual ATG 5 15 Statutory right powers and duties of the guardian of the Estate of PR Enter name of disabled person ST1 1 a disabled person DIVORCE Child Support Lien Child support judgment filed against PR Insert name of person s who received judgment here ST1 1 in Case No PR Insert Case number here ST1 2 in the Circuit Court of PR Insert name of County here ST1 3 County Illinois a memorandum of which was recorded on PR Insert date the judgment was recorded here DT2 4 as Document No PR Insert Document number here ST1 5 Dissolution Proceedings Dissolution of marriage proceedings filed by PR Insert name of
160. HECK WRITING I CREATING RECEIPTS AND DISBURSEMENTS Check Writing creates all receipts deposits and all disbursements checks directly from the data entered in the HUD 1 Settlement Statement and prints checks for disbursement Check writing does allow for manual changes to receipts and disbursements and always indicates the status of the file 1 e In Balance Out of Balance Deposits Posted and Checks Cleared Each disbursement displays a detailed account by HUD line number and a detailed ledger is available to print Additionally REsource has a robust escrow reconciliation module that makes reconciliation quick and accurate It is highly recommended that each transaction be reconciled and your escrow account reconciled on a monthly basis Contact a Member Services Representative to order check stock or for additional information using the Escrow Accounting module of REsource A To access Check Writing click the Check Writing button Eu or select Utilities gt Check Writing from the menu bar ff Complete Closing Enterprise 6 5 File Data Entry 7 ttilities Window ATGF Extensions Help PTE Sa ea fll Fiea howonmso Utilities gt Check Writing Seller and Barney Seller wife and hu Disbursements button dh Deposits and Checks tabs in the top left corner This function brings all HUD 1 items into the IL DEPOSITS TAB A The Check Writing screen has two tabs one for Deposits receipts and o
161. IN1 1 and recorded as Document No PR Insert Document Number IN1 2 we note the following and this commitment is subject to Our policy when issued will be subject to direct attack upon the judgments and orders entered in the proceeding Upon the filing of the complaint a proper Notice of Foreclosure Lis Pendens under Section 840 10 1 of the Wisconsin Statutes must be recorded in the Register of Deeds of PR Enter County Name ST1 3 County Wisconsin The following persons are necessary parties to any such parties 1 PR insert name of mortgagor or successor in interest ST1 4 the record owner as a party defendant 2 PR Insert name of spouse or mortgagor or successor in interest ST1 5 spouse of the record owner as a party defendant 3 PR Insert name of mortgagee or successor in interest ST1 6 as a party plaintiff d The following persons must be made parties defendant to the foreclosure if it 1s desired that their interests be barred by the proceeding 1 All parties acquiring rights in the premises subsequent to the date of this commitment and prior to a complete Notice of Foreclosure Lis Pendens 2 Any person other than those herein named known to the Plaintiff or the Plaintiff s attorney to have or claim an interest in the premises Page 14 82 ATG REsource User Manual ATG 5 15 3 All persons in possession of any part of the premises in question and all persons whose rights woul
162. Insert Field From Database window opens ATG REsource User Manual ATG 5 15 111 Scroll down to the CommitPolicy folder and click on the Plus to view all data within Insert Field From Database H Buyerlinfo C3 Seller C1 Sellerinfo si Property E gt CommitPolicy GFNo CmtEdate CmtETime CmtEpmam BinderDate BinderTime Binderpmam Ownerinsured OwnerOption Ey zi KMaawdtinanwan a Evaluate and Replace Field During Document Creation x Cancel b To copy from a Commitment m e Continue to scroll down to Exception Highlight Exception and click OK The exceptions from the selected file will be copied into the current file C To copy from an Owners Policy Continue to scroll down to OwnerSchedB Highlight OwnerSchedB and click OK The exceptions from the selected file will be copied into the current file d To copy from a Loan Policy Continue to scroll down to MortgSchedB Highlight MortgSchedB and click OK The exceptions from the selected file will be copies into the current file e To copy Exceptions from another word processing application into REsource l Open Word or WordPerfect and open the file containing the desired text 11 Highlight the desired text and select Copy or press lt Ctrl gt lt C gt 111 Minimize word processor IV Open REsource and navigate to the Exception window found in the Commitment Policy tab V Place the cursor where you
163. J Corrective transfer Certifications O Transfer price less than 500 Building Registration 4 or more units 3 75 500 1 50 500 Transfer Taxes 750 00 Interest oc Buyer Exemption J Deleted C Governmental charitable transfer C Security obligation Registration submitted Penalties oo Total 750 00 O Corrective transfer O Transfer price less than 500 w Zoning Compliance 5 or fewer units Zoning certificate not required Zoning certificate submitted File No 080900101004 T Print County Tax form Save Close amp Print Cancel Parcel No Enter Parcel No PIN Tax ID If Tax ID has been entered in Order Entry this field will auto fill ATG REsource User Manual ATG 5 15 Property Address Property Address displays Select and drag address parts to corresponding boxes or enter information directly into boxes Property Type Select the Property Type by selecting the appropriate check box Certifications Select the applicable radio buttons for Building Registration and Zoning Compliance Deed Information Select Date deed was delivered or recorded from the drop down list If previously entered in Cook County Declaration this will auto fill Interest Transferred Select applicable check box for Interest Transferred Consideration other than Cash Price Contingent on Future Event Select applicable check box and enter data in text box These items will print on the
164. Loan Information If there is a second Lender enter the amount of the second loan and select the second lender in the 2nd Loan Information section NOTE If there is a second loan select the document POL Commitment A Schedule 2 Mtgs from the Print Document list Property Tab Select the Property tab to enter information about the property Order Entry BM x Main Buyer Seller LoanWtisc Property 1 Property a gt 01 x p if s B PIN Subdivision Block Lot County Township 111 111 111 Hobson Woods F F COOK Legal Description Override Auto Legal Description Hobson Woods Block 3 Lot 3 COOK County Set Property Address to Buyer s or Seller s Address Street Address 1111 Main City State Zip Tax Sale Date Tax Redemption Due Taxes Redeemed Date E l Tax ID PIN Enter the PIN Permanent Index Number Parcel Index Number using dashes NOTE For properties with multiple Tax ID Numbers click the Insert New Property button L and enter the next Tax ID number in the PIN field If multiple properties are being insured enter the full address and Tax ID number for each property 2 Subdivision Subdivision names are stored in a table and are searchable Begin entering the Subdivision Name If the subdivision has been previously entered it will appear in the drop down list If the name does not appear add it by pressing lt Ctrl gt lt Enter gt The Subdivision Name is gene
165. Manual ATG 5 15 NOTE No examination of these proceedings has been made and upon such examination this commitment and any policies committed for thereunder shall be subject to such other and further exceptions as may then be deemed necessary Corporation Dissolved PR Enter name of dissolved Illinois corporation ST1 1 an Illinois corporation was dissolved on PR Enter date of dissolution of Illinois corporation DT2 2 We note the following with respect thereto and this Commitment is subject to the following exceptions 1 Rights of the creditors of said corporation including the United States of America 2 Right title and interest of the stockholders members of said corporation and those claiming under them 3 Franchise tax in favor of the State of Illinois Tax City Ordinance Transfer Tax By PR Name of City ST1 1 municipal ordinance a transfer tax has been imposed upon the sale of Real Property located within the municipality Therefore all deeds presented to this company for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the municipality together with the applicable Transfer Declaration or Exemption Form NOTE Certain municipalities have requirements that must be met prior to the issuance of the aforesaid transfer tax stamps Relative thereto said municipality must be contacted as to their requirements prior to the purchase of any revenue stamps Co
166. More Intlr 4 r l Select the Commitment gt Schedule B gt Exceptions sub tab to select exceptions for inclusion in or exclusion from the policies 2 Select the Policy gt 2 Ins Mortg Desc sub tab fis Commitment Policy Commitment Policy Cmt Sched A SchedB Polley Policy Options Diner Policy Number 100900101807 01 EE date 6420 Time al Mortgagee Policy Number f 00900101 807 01 BIZ end Mortg Policy Number Bl Bl Underwriter Report Date FA OE ca Owner Premium 1 445 00 7 Morgagee Premium 5945 00 E Fremin a 4 S Bl el E l 2nd Mortg Sched B Mortgage dated June 2 2010 and recorded June 1 2010 as Document No 1000000 exe Buyer and given to Second Federal savings amp Loan Assoc of Chicago to 5812 Ins Mortg Desc amount of 40 000 00 and other such sums as provided therein Owner Sched B Mork Sched E Morg Sched E II Insured Marg 2nd Mortg Sched B 2nd Ins Morg Desc T 4 t 3 Click the Lookup Standard Language Items button i From the Category drop down select Mortgage From the resulting list select New 2 Mortgage This exception will insert the names of the buyers second lender name and second loan amount Enter the recording information at the prompts 4 Copy and paste the second mortgage description into the text box under the Owner Sched B sub tab The first mortgage description must also be copied into the text box under the Owner Sched B sub tab
167. N UNINCORPORATED Charter Bylaws Commitment A certified copy of the charter and amendments thereto if any and of the bylaws of PR Enter the name of the association ST1 1 an unincorporated association should be furnished and this Commitment is subject to such forth exceptions if any as may then be deemed necessary Resolution Commitment Upon a conveyance or mortgage of the land a certified copy of a resolution passed by the members of the party in title or acquiring title authorizing the execution or acceptance of the instrument of conveyance or execution of the mortgage should be furnished together with a certificate by the custodian of records establishing 1 the identity of the president and secretary of the association 2 proof of proper notice of the meeting to consider the question of conveying or mortgaging the land was given to all members 3 the number of members present at such meeting and 4 the number of ayes and nays voted on such question ATG Underwriting Approval This commitment and any policies committed for thereunder is subject to approval by the Underwriting Department of Attorneys Title Guaranty Fund Inc and is subject to such further and additional exceptions as may be required by it ATG REQUIREMENTS Access Endorsement In order to issue an Access Endorsement on the final policy we must be provided with a survey of the property dated within the previous six months sho
168. N r F Print wo wiew Print Documents ATG Wire Instructions Chicago Clear Selections if clears all selected documents from the Print list Delete Current Selection Only i clears only the highlighted document from the Print list Print Documents Print Documents prints all selected documents Wisconsin Members Select Wisconsin Documents from the Category drop down to display all common Wisconsin forms Documents highlighted in teal are packages following them are individual documents Only Wisconsin specific and common documents are listed If you require an endorsement that is not listed select the Endorsement category Documents jol x Print Dnri ments Prompts Category WWieconein Document Zot by State 2 l State Description Wal Deed Condominium il Deed Guarcian s Wl Deed Personal Representativ il Deed Grit Claim r F E Print so Views 5 Print Documents ATG RESOURCE User Manual ATG 5 15 Page 6 3 II DOCUMENT VIEWER File data merges with the documents selected to print and displays in the Document Viewer From the viewer documents can be printed or saved locally as Word or PDF documents Complete Closing Document Viewer 09 09 02 SP1 POLO6 Commitment A Schedule 100900101807 01 x amp File Edit SendTo Send AllTo Window Help laj x Bale ae a tlw SE alel ATTORNEYS TITLE GUARANTY FUND INC AT
169. ND PAYABLE ST1 5 Taxes for the year PR Enter the current year YYYY IN1 6 are not yet due and payable Permanent Index No DB Property TaxID SN1 EXEMPTIONS PR Enter Type of Exemption amp Amount ST 1 6 Taxes Five Years Madison Taxes for the year PR Enter the last year that taxes were paid YYYY IN1 1 and thereafter First installment 2009 taxes in the amount of PR Enter the amount of Ist installment of tax CU1 2 is PR PAID UNPAID AND DUE 07 07 2010 OR SOLD ST1 3 Second installment 2009 taxes in the amount of PR Enter the amount of 2nd installment of tax CU1 4 is PR PAID UNPAID AND DUE 09 07 2010 OR SOLD ST1 5 Third installment 2009 taxes in the amount of PR Enter the amount of 3rd installment of tax CU1 6 is PR PAID UNPAID AND DUE 10 07 2010 OR SOLD ST1 7 Fourth installment 2009 taxes in the amount of PR Enter the amount of 4th installment of tax CU1 8 is PR PAID UNPAID AND DUE 12 07 2010 OR SOLD ST1 9 Taxes for the year 2008 in the amount of PR Enter the 2008 tax amount CU1 10 are PR PAID SOLD OR REDEEMED AND DATE ST1 11 Taxes for the year 2007 in the amount of PR Enter the 2007 tax amount CU1 12 are PR PAID SOLD OR REDEEMED AND DATE ST1 13 Taxes for the year 2006 in the amount of PR Enter the 2006 tax amount CU1 14 are PR PAID SOLD Page 14 70 ATG REsource User Manual ATG 5 15 OR REDEEMED AND DATE ST1 15 Taxes for
170. NO DB BuyerInfo NamelMI NO DB BuyerInfo NamelLast NO and DB BuyerInfo Name2First NO DB BuyerInfo Name2MI NO DB BuyerInfo Name2Last NO and spouses if any Page 14 54 ATG REsource User Manual ATG 5 15 Deed Warranty Warranty Deed from DB SellerInfo Namel First NO DB SellerInfo Name 1 MI NO DB SellerInfo NamelLast NO and DB SellerInfo Name2First NO DB SellerInfo Name2MI NO DB SellerInfo Name2Last NO and spouses if any vesting fee simple interest of the subject property to DB BuyerInfo Namel First NO DB BuyerInfo NamelMI NO DB BuyerInfo NamelLast NO and DB BuyerInfo Name2First NO DB BuyerInfo Name2MI NO DB BuyerInfo Name2Last NO and spouses if any Deed Executor s Executor s deed from PR name of executor ST1 1 executor of DB SellerInfo BusinessName NO conveying fee simple interest of the subject property to DB BuyerlInfo NamelFirst NO DB BuyerInfo NamelMI NO DB BuyerInfo NamelLast NO and DB BuyerlInfo Name2First NO DB BuyerInfo Name2MI NO DB BuyerInfo Name2Last NO and spouses if any Release of Lien Payment and release of lien recorded as Document No PR Document No of lien ST1 1 NOTES FOR INFORMATION Variable Rate Mortgage Endorsement Variable Rate Mortgage Endorsement has been approved for issuance with the Loan Policy Assumption Certificate An Assumption Certificate from First American Title Insurance Company has been approved for the Loan Policy
171. O ET E ea E E E AA E E E O E 9 18 DIO TEE N 2 a saps nance a E A A A 9 21 CURRENT ESCROW TRIAL BALANCE BROWSER csc2c scuscaicessacaianeuniancesioscaebawasaniedkanseanonusandeesarsaehawsaabiedbonnbetaue i iaaa nanai 9 22 OPEN INVESTMENT ACCOUNT O ooien nren E aE ac ow ctv eases ore cesta aE ees 9 23 INVESTMENT ACCOUNT FOR FILE F EEEIEE Ea 9 24 CHANGE ESCROW ACCOUNT FOR A PRE teere eee d oan en Den EEE ENANAR T EAEN ee ee ee en 9 25 ETC aN AR 9 25 A COUNT A OE ea a A 9 26 AIDI P TO a a as es eee ws ee ccs nee ee 9 26 D RO CON B See mae eels meno ce Ree ne E A cee ene AE ONO Ona ety eee ne ENN ee emo 9 26 OTHER ESCROW ACCOUNTING ROSE eee din ten ne doc santa ceci etes eo ee 9 27 ON D en oe ce eae RE ee eR ee a Oe ae OOS EATR 9 32 MT ER ces heats ste ssc eee necessitates cree teense Biss etse tb scis oe ee since este ned atiesige bose asec 9 32 ESCROW ACCOUNTING BEST PRACTICE dede master nine De de once eee ease eee 9 35 PO POLICY PREPARATION nn dise s rit sadeasdenneeitherebatessssns aaia station e dents 10 1 SCHEDULE A OF THE OWNER S POLICY AND LOAN POLICY scccsccssscossccsscssccsccssccscccsccesccsscescsesccsecescsesccssccsssescessceess 10 1 OWNER S POLICY SCHEDULE B icscciucenectgncatsoacocsvnnssinsdaaascisaiuwasincasnnaac vsnstinetnsenvodenseiGeedasaabecn wmntinednsandedeneiGnesiecaiecdowenseaiceanes 10 2 SCHEDULE B PART Re 10 4 aa cc rcaniseonsies atscisencanwo scien nita sm osamwausieatesauieecamunstacansesenciuvasdisaadasatiocssmast
172. PT by the Municipality together with the applicable transfer declaration or exemption form NOTE If property is exempt from stamps a 25 00 exemption fee is required Note If Property is exempt from stamps a 25 00 exemption fee is required MUNICIPALITY Chicago Water and Zoning By ordinance of the City of Chicago the recording or filing of any deed or other instrument of conveyance is subject to prior water and zoning certification Relative thereto all deeds submitted to ATG for recording must be accompanied by the appropriate transfer tax and declaration Chicago Building Registration Pursuant to Chapter 13 10 of the Municipal Code of Chicago if the building on the land contains four or more residential units a Certificate of Registration or a receipt from the Department of Buildings showing that the building being transferred has been registered with the City of Chicago must be attached to the transfer tax declaration Inspection By ordinance of the City Village of DB Property City NO the recording or filing of any deed or other instrument of conveyance is subject to prior approval by an appropriate officer of the municipality for property within the municipality limits Relative thereto all deeds submitted to ATG for recording must be accompanied by the appropriate certification or exemption Tax By ordinance of the City Village of DB Property City NO the recording or filing of any deed or other instrument o
173. Plaintiff here ST1 1 against PR Insert name of Defendant here ST1 2 in the Circuit Court of PR Insert name of County here ST1 3 County as case PR Insert Case number here ST1 4 NOTE No examination of these proceedings has been made and upon examination this commitment and any policies committed for thereunder shall be subject to such other and further exceptions as may then be deemed necessary Wisconsin Child Support Lien Child support judgment filed against PR Insert name of person s who received judgment here ST1 1 in Case No PR Insert Case number here ST1 2 in the Circuit Court of PR Insert name of County here ST1 3 County Wisconsin a memorandum of which was recorded on PR Insert date the judgment was recorded here DT2 4 as Document No PR Insert Document number here ST1 5 DOWNSTATE TRAIN DTD LTD Encroachment Adverse Adverse encroachment of PR what encroaches ST1 1 from adjoining property public property from the north south onto the subject property by approximately PR how much encroaches ST1 2 feet as disclosed by survey dated and prepared by EASEMENTS Dedicated Road Wisconsin Rights of the public the State of Wisconsin and the municipality in and to so much of the land dedicated for road purposes by instrument dated PR Insert date of document DT2 1 and recorded PR Insert date of recording DT2 2 as Document No PR Insert Document number
174. R Enter street or alley ST1 1 lying PR Enter direction North South etc of vacated alley street ST1 2 and adjoining the insured land Not Insured Vacated Parcel This commitment and any policy issued thereunder shall not be construed as insuring any part of the vacated PR Enter street or alley as appropriate ST1 1 lying PR Enter direction North South etc of the vacated land ST1 2 and adjoining the insured premises Rights of Utilities Rights of public and quasi public utilities 1f any in the vacated PR Enter street or alley as the vacated land ST1 1 lying PR Enter direction North South etc of the vacated land ST1 2 and adjoining the insured land for the maintenance therein of poles conduits sewers etc Roads and Highways Rights of the public the State of DB Property State NO the municipality the county and the township in and to that part of the premises in question taken used or dedicated for roads streets alleys or highways Rights of Public Wisconsin Rights of the State of Wisconsin the municipality the public and the adjoining landowners in and to the vacated PR Enter street or alley ST1 1 lying PR Enter direction North South etc of vacated alley street ST1 2 and adjoining the insured land SUBDIVISIONS Building Setback A PR Enter number of feet of size of setback ST1 1 foot building line from the PR E
175. ST1 1 should be furnished and this Commitment is subject to such further exceptions if any as may then be deemed necessary Foreign Dissolved PR Enter name of dissolved foreign corporation ST1 1 a corporation of PR Enter state where dissolved foreign corporation was formed ST1 2 was dissolved by PR Who i e members stockholders State dissolved the foreign corporation ST1 3 on PR Enter date of foreign corporate dissolution DT2 4 We note the following with respect thereto and this Commitment is subject to the following exceptions 1 Rights of the creditors of said corporation including the United States of America 2 Statutory conditions and limitations if any imposed by the laws of the State of RP 2 upon conveyances by the successors in title to the real estate of said corporation 3 Franchise tax in favor of the State of Illinois against RP 1 a corporation of RP 2 We should be furnished a duly certified list of all of the successors in title to the real estate of said corporation and this Commitment is subject to such further exceptions if any as may then be deemed necessary Foreign Not for Profit A certified copy of the charter and amendments thereto if any and of the bylaws of the corporation in title should be furnished and this Commitment is subject to such further exceptions if any as may then be deemed necessary Upon a conveyance or mortgage of the land a certified copy of
176. ST1 1 PR Enter the number of feet of the easement ST1 2 feet of the land for the purpose of installing and maintaining all equipment necessary for the purpose of serving the Subdivision and other property with telephone and Page 14 72 ATG REsource User Manual ATG 5 15 electric service together with the right to overhang aerial service wires and also with right of access thereto and for the purpose of installation maintenance relocation and removal of gas mains and appurtenances as granted to Illinois Bell Telephone Company Commonwealth Edison Company and Northern Illinois Gas Company and their respective successors and assigns and as shown on the Plat of Subdivision and recorded PR Enter date easement recorded DT2 3 as Document No PR Enter Document number ST 1 6 SURVEY Exceptions This company should be furnished a survey of the premises insured and this commitment is subject to such other matters as may then appear Facts that an accurate survey or personal inspection of the property disclosed or would have disclosed Easements Easements or claims of easements not shown by the Public Records Survey Exception Policy Encroachments overlaps boundary line disputes and any matters that would be disclosed by an accurate survey and inspection of the premises Survey Exception Commitment The company should be furnished a survey of the premises to be insured and this commitment is subject to s
177. Seller Work Area The program displays a window listing all the Sellers along with the Percentage and Amount of the Proceeds for each the total Sale Price Allocation and Balance To change the allocations check the Override Auto 1099 Proceeds Distribution box and then enter percentages for each Seller As you do so the program adjusts the Allocation and Balance figures so that you can see if your balance is zero when you are finished Page 3 17 Buyer Seller Work Area Sellers Override Auto 1099 Proceeds Distribution 7 a Semen co Seller Mary Pine 50 150 000 00 Override Auto 1099 Proceeds Distribution Sales Price Total Allocated Balance 300 000 00 fs 300 000 00 50 00 nf OK IV By default the Do Not Generate 1099 checkbox is checked If the transaction is not exempt from reporting you must uncheck the checkbox If either property or services are being received as part of the transaction select the Receive Prop or Services checkbox NOTE The Sellers proceeds checks in Check Writing will automatically calculate based upon the allocation for each individual Seller V If you have general questions about 1099S reporting requirements contact the ATG Underwriting Department at 800 252 0402 The 1099S information packet is available for download from www atgf com or by calling the ATG Order Department at 800 252 0402 extension 2114 C Loan Tab The Loan tab contains Lend
178. State NO as Document Number PR Condo Legal Enter document number of declaration ST1 7 as amended from time to time together with its undivided percentage interest in the common elements in RP 6 County DB Property State NO New Condominium Wisconsin Furnish ATG with a certificate executed and acknowledged by the Secretary of the Board of Managers Directors stating that there are no unpaid assessment liens arising by reason of the nonpayment of assessments as per the Condominium Declaration Terms provisions covenants conditions and options in rights and easements established by the Declaration of Condominium Ownership recorded PR Enter date of Condominium Declaration recording DT2 1 as Document No PR Enter Document number ST1 4 as amended from time to time Furnish ATG with a certificate executed and acknowledged by the Secretary of the Board of Managers Directors stating that compliance has been made by the owners with the provisions of Article PR Article Number IN1 3 of the Condominium Declaration or that said provisions relating to preemptive rights have been duly waived by the Board of Managers Directors and the rights of the Board thereunder have terminated Limitations and conditions imposed by the Wisconsin Condominium Ownership Act Preemptive Rights Wisconsin Furnish ATG with a certificate executed and acknowledged by the Secretary of the Board of Managers Directors stating that
179. Surveys as adopted by ALTA ACSM made within six months of the date of this commitment and this commitment is subject to such further exceptions 1f any as may then be deemed necessary To waive Standard Exception No 3 Easements or claims of easements not shown by the public records from the Owner s Policy supply ATG with a survey in compliance with the requirements noted in Standard Exception No 2 above In addition to matters disclosed by the survey the following exceptions will appear in lieu of the Standard Exception No 3 unless satisfactory disposition thereof 1s otherwise made Rights of public or quasi public utilities 1f any in the land m NOTE To establish the nonexistence of such rights comply with the requirements as set out under Standard Exception No 1 above To waive Standard Exception No 4 Any lien or right to a lien for services labor or materials heretofore or hereafter furnished imposed by law and not shown by the public records from the Owner s Policy furnish ATG with the following a An ALTA Statement or its equivalent executed by all parties holding title to the land during the six months preceding the date of the policy and the purchasers if any b Satisfactory evidence of the payment in full of the cost of furnishing services labor and materials in connection with any improvement made on the land within six months of the date of the policy c Satisfactory indemnification
180. T by the Municipality together with the applicable transfer declaration or exemption form The Village of Harwood Heights also requires a property inspection prior to closing NOTE If Property is exempt from stamps a 25 00 exemption fee is required Hoffman Estates The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF HOFFMAN ESTATES As of the date of this commitment Hoffman Estates tax rate is 3 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form NOTE If Property is exempt from stamps a 10 00 exemption fee is required Joliet The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by THE CITY OF JOLIET As of the date of this commitment Joliet tax rate is 3 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form Note If Property is exempt from stamps a 25 00 exemption fee is required Maywood The Recording of any Deed or other instrument of conveyance of t
181. TE Mid America Title Insurance Company s policies and commitments will not be accepted as prior title evidence No Prior Policy No prior policy is available ATG Prior Policy ATG previously insured the property ATG REsource User Manual ATG 5 15 111 Contract Conversion A Contract Purchaser s policy was issued by ATG and now an Owner s Policy will be issued vesting title in the names of the contract purchasers IV Abstract An abstract has been surrendered for credit as prior title evidence V Non ATG Prior A title company other than ATG previously insured the property C Property Type Select the Property Type by selecting the appropriate radio button If the property type is unknown leave blank L 111 Residential 1 4 units Commercial Buildings Stores Apartment buildings with seven 7 or more units and Mixed Use Vacant Unimproved property d Transaction Type Select the Transaction Type by selecting the appropriate radio button If unknown leave blank 1 111 ATG RESOURCE User Manual ATG 5 15 Buy Sell A transaction where there is a Buyer Seller and a Lender Refinance A transaction where the owner of the property is obtaining a new Mortgage Selecting this transaction type will recalculate the Loan Policy consumer charge and ATG s fee Installment Contract A transaction where the Buyer and Seller enter into an Agreement for Deed New Cons
182. Trangter Slip i XM Cancel Page 9 16 ATG REsource User Manual ATG 5 15 The Deposit Editor screen allows you to enter new deposits The options are described below OPTION DESCRIPTION Lookup File Number Open Complete Closing Enterprise Deposit Date Delete Deposit Insert New Deposit Type Funds Payor Amount Received By Description Clear Slip Reconciliation Deposit Slip Verified Transfer Slip OK Cancel ATG RESouRCE User Manual Click the Lookup File Number button Fi to display the Select File Number screen where the file number is selected Click the Open Complete Closing Enterprise button Li to open Complete Closing Enterprise with the file number of the current deposit selected Enter the date in MM DD YY format or click the Calendar button Ha to select a date NOTE You may not be allowed to pre postdate deposits beyond the allowable range as defined in CCSupervisor by your System Administrator Click the Delete Deposit button to delete a deposit NOTE Based on security settings applied by your administrator this button may not be accessible Click the Insert New Deposit button E to save the deposit and start a new one Available only from Quick Deposit Entry From the Type of Funds drop down select Cash Cashier s Check Certified Check Check Direct Deposit Money Order Transfer or Wire NOTE Depending on settings in CCSupervisor Wire
183. WNERS unless the contrary 1s herein indicated NOTE The proceeding will not affect the standard exceptions nor the exceptions noted in Schedule B at inclusive and our policy when issued will be subject to such exceptions unless satisfactory disposition thereof 1s otherwise made General Lien Exception Notice of PR Liens Enter the type of lien e g Illinois Income Tax ST1 1 lien in favor of PR Liens Enter the entity who filed the lien ST1 3 and against PR Liens Enter the entity against whom the lien was filed ST1 2 in the sum of PR Liens Enter the amount of the lien CU1 4 and recorded on PR Liens Enter the recording date of the lien DT2 5 as Document Number PR Liens Enter the document number of the recorded lien ST1 6 Mechanic s Liens Mechanics lien filed by PR Insert name of person or company filing the lien here ST1 1 against PR Insert the person s against whom the lien was filed here ST1 2 on PR Insert the date the lien was filed here DT2 3 as Document No PR Insert the Document number here ST1 6 in the office of the Recorder of PR Insert name of the county where the lien was recorded here ST1 7 County Illinois in the sum of PR Insert the amount of the lien here CU1 8 Proceedings Examination NOTE No examination of these proceedings has been made and upon examination this commitment and any policies committed for thereunder shall be sub
184. Waukesha WI 53188 1144 262 347 0102 Fax 262 347 0110 NCT TITLE LEC CRYSTAL LAKE 390 Congress Parkway Suite D Crystal Lake IL 60014 6283 815 477 9815 Fax 815 477 9835 NET TITLE LLC ROCKFORD 6885 Vistagreen Way Rockford IL 61107 5657 815 654 6800 Fax 815 654 6801 CHAIN OF TITLE To order a Chain of Title call the Search Help Desk at 312 752 1134 Table of Contents XX ATG TABLE OF CONTENTS L INTRODUCTION siscstoscscssontonsereassccaiccsnspasanisdest a A E ont essence fentes taneuis des 1 1 a A 1 1 RO A 1 I 4 5 a ee ge A er na TREE EN reg were Cre See Eo Ee rene eee ener eee eee erase 1 1 ANSE is acer DAY UPS Smeets ee ee ne a eT ee ener Mee Te Oe ene rr ee ee ere 1 1 EE geen ae ene ne ee NE Oy ene ES ery OPE ee Ee One ne eee ey ene Owe eee ere ee AA 1 1 ATG SOFTWARE HELPDESK vivicacocscccccctsuescacniscpnsavahveraceubnsssaceuescacnuscpaa ava AERE EEEREN E NEON NESEN ANATESEA NEDEN aa 1 2 SOFTWARE INSTALLATION OR AAAA NEE AOA EA EEE EAAS NEES 1 3 LOGGING ON cerner aE E E ET EE 1 4 KESOURCE DESKTOP aeons REA A E ea EE E A EE ARENS 1 4 COMPLETE CLOSING ENTERPRISE 2e dan enatrones NE EEA O E EEA AEAN Eaa 1 4 2I LOOKING OUP ANLAM TCNG ER er de iii ie en et de 2 1 ECS TP AU DD TS URL LES UE DR I bocce ee con er ecg oe bce ces ners cei pect EAEEREN 2 1 ORDER SEAPCH BY MEMBER everest nE ENa AE IEEE AEAEE EAEOI AAEE EAEAN E DOEANE TIRRAN 2 1 SEARCH FOR A FILE BY FILE NOMBRES eds AANREKENEN maman ne desc nd ne
185. adNoService 1 53 428000 1 Al O rd ers 81 2004 88 2004 TradNoService 1 241 Ef Search By File Refresh All Orders X cance 4 You may a Select a file that is a template or b Click the All Orders button 410 to list all your files 5 Select the file that you want by either double clicking the file name or clicking once on the file name to highlight it and clicking OK 6 The data from the existing file will now appear in the new file Page 13 30 ATG REsource User Manual ATG 5 15 IX REQUESTING CLOSING PROTECTION LETTERS CPL USING RESOURCE For Illinois closings on or after January 1 2011 Closing Protection Letters CPLs must be prepared and issued by ATG to the lender borrower and seller for all transactions where either the member or ATG provides settlement services CPLs may also be requested from PaperlessCloser or from the ATG website www atgf com or by calling 800 252 0402 The fees for issuance of the CPLs payable to ATG are as follows TYPE LENDER BUYER BORROWER SELLER Buy Sell with Financing 29 00 25 00 50 00 Buy Sell Cash 0 25 00 50 00 Refinance 25 00 50 00 0 A Requesting a CPL Using REsource The CPL can be requested from REsource prior to closing The following information should be entered in the REsource file prior to requesting the CPL Buyer Seller Lender and Property I Select the file requiring the CPL 2 Go to the Utilities menu eR Utilit
186. addendum page Buyer Seller Exemptions If the transaction is exempt from tax click the appropriate Exemption checkbox By doing so the applicable tax amounts will automatically zero out Miscellaneous Seller and Buyer Attorneys Names including addresses will auto fill from Order Entry Drag and drop names into corresponding boxes or enter names directly in boxes Additional Information Select the appropriate checkboxes if applicable Transfer Taxes Tax amounts for Buyer and Seller automatically calculate based upon the sale price Save Saves the current information Close amp Print Saves the current information closes the form and opens the Print Document menu Cancel Abandons any manual entries and closes the form VIII COPYING A RESOURCE FILE Generally if there is a first and a second new mortgage the lender may require any of the following two commitments two HUD I Settlement Statements and or two Loan Policies To copy a REsource file it is necessary to create a second file Follow the steps listed below to create a second REsource file l Click the Add New File Number button or select New File gt No Suggest from the File menu ATG REsource User Manual Page 13 27 ATG 5 15 LLLELEELELELEEEELEEEEEEEEEEEEEEEEE button Create New 3 The Enter New File screen opens Enter a New File Humber 2 Calculate Mext Number Select Type of Order jo Mone specified at this time B
187. ade in accordance with the Minimum Standard Detail Requirements for Land Title Surveys as adopted by ALTA ACSM made within six months of the date of this commitment In addition to matters disclosed by the ALTA Statement the following will appear in lieu of Standard Exception No 1 unless satisfactory disposition thereof 1s otherwise made Rights of public or quasi public utilities if any in the land NOTE To establish the nonexistence of such rights obtain a letter from the official of the municipality in charge of water mains sewers etc such as the village engineer stating that there are no water mains sewers etc in the said land Existing leases and tenancies and rights of tenants thereunder and those claiming by through or under those tenants Page 14 2 ATG REsource User Manual ATG 5 15 m NOTE All existing unrecorded leases affecting the land should be produced for ATG s inspection and this commitment is subject to such further exceptions if any as may be deemed necessary If there are no unrecorded leases affecting the land provide an affidavit to this effect by the owner of the land To waive Standard Exception No 2 Encroachments overlaps boundary line disputes and any matters that would be disclosed by an accurate survey and inspection of the premises from the Owner s policy furnish ATG with a land survey made in accordance with the Minimum Standard Detail Requirements for Land Title
188. agee Premium 275 00 E Premiums Schedule B Property Type kai Sched BASched B Req NOTE For the purposes of creating an ATG Commitment for Illinois property use only the Exceptions sub tab to enter Special Exceptions For property in Wisconsin use the Sched B Req sub tab to create a Schedule B I and use the Exceptions sub tab to create a Schedule B II a Schedule B Not for use with ATG commitments all states However if ATG is the search provider the Chain of Title is entered in the Schedule B sub tab Some of the items listed in the Chain of Title that you determine need to appear on the Commitment Schedule B can be copied to the Exception sub tab Only exceptions added to the Exception sub tab will appear on the printed Commitment Schedule B TIP To copy and paste Highlight the text and press lt CtrI gt lt C gt Open the Exceptions sub tab place the cursor where the text should appear and press lt Ctrl gt lt V gt b Schedule B Requirements For Wisconsin property only This sub tab is used to produce Schedule B I for the Commitment For Illinois property This sub tab is not used Page 5 8 ATG REsource User Manual ATG 5 15 C Exceptions Enter all Special Exceptions here all states d Notes to Closer Used to note endorsements that have been approved for issuance with the Owner s Policy or Loan Policy 3 Select the Exceptions sub tab to enter Special E
189. ago I i Phone Changing this agent will affect all orders that use this agent in any way 555 555 5555 Contact First Name Mary Cancel E Mail Address feminen ef Notes BE e 0 gt Jf OK NOTE Editing an Agent will affect all files that use that Agent Do not change the name of an agent unless it is mistyped Instead add a new Agent Agents can be edited only by the Region that created them IV ORDER ENTRY When a new file is created Complete Closing automatically opens the Order Entry screen The Order Entry screen can also be accessed at any time to work on or view an existing file by clicking the Order Fi Order Entry Ee Main Buyer Seller Loan Property Use Template Status Upen 3 Escrow Bank 50 ROTEST B be Simultaneous Closer 99005 Place of Closing 3001 Test Region pie ene cere search Prov 15387 ATG Fees and Tr Order Category C mortgagee C Other Prior Policy Prior Policy Amount Prior Policy Date Prior Policy Code Plant Search Order Pre 41 E Entry button or the Data Entry gt Order Entry menu OMC Non RE source Critical Date File Opened Commitment Due Closing Date piano g ereo g pezon FE Confirm Date Meed SRCH By Closing Time m eooo g Sales Price 300 000 00 Member Member File 3001 Test Member 4 Note ler e 4 E Version 6 5 1 12 The Order Entry tab contains several sub tabs Main Buyer Seller Loan and Prope
190. aid By screen in any section of the HUD that requires designating a party to pay a fee for the buyer or seller NOTE This feature is not recommended For further assistance please contact the REsource HelpDesk Show Lender Breakdown Report Click the Show Lender Breakdown Report button E The report shows the expected loan amount and the lender s check amount before creating Receipts and Disbursements in Check Writing Jump to Next Section My a Click the Jump to Next Section button E to move to the next HUD section or click the drop down arrow to the right of the button to display the Navigation drop down list Expand Collapse All Sections Available in Page Two tab only Expand or collapse all sections in page two at one time a To expand all sections at once click the Expand All Sections button AI or right click to display the menu and select Expanded View b To collapse all sections at once click the Contract All Sections button Pal or right click to display the menu and select Contracted View Current Status of the HUD Click the Status drop down E alie Preliminary El to change the status of the HUD ATG REsource User Manual ATG 5 15 G Buttons within the HUD Within the Speed HUD there are several buttons that may display depending on the section in which your cursor 1s placed NOTE All buttons offer hints as to their function when you hover the cursor over the button 42 Add New
191. ailable in Page Two tab only 2 Delete a line in the HUD E Click Yes to the delete prompt Available in Page Two tab only 3 Insert New Line into the HUD S When you click this button a new line is inserted above the line in which your cursor 1s placed If you try to insert a line in an inappropriate place an error message will appear Available in Page Two tab only 4 Set Override K When you click this button the override is applied The particular override depends on the section of the HUD in which it is used Available in Page Two tab only sf Set Partial Override re When you click this button the partial override is applied Available in Page Two tab only 6 Clear Override 2 When you click this button the full or partial override is cleared Available in Page Two tab only J Calendar Click to open and make date selection D Additional Icons These additional icons may appear on the 2010 HUD in Payee missing Displays on a line to remind you that a payee has not been entered for that line ne Debit Credit Displays on a line that is a debit credit If you enter a payee in a debit credit line the debit credit no longer displays ATG REsource User Manual Page 7 5 ATG 5 15 Page 7 6 E 2010 HUD Page One l Page One Tab Sections 100 500 The Page One tab contains a Type of Loan Click the appropriate check box b Funding Date Enter the date the loan is funded disbursed C Status Select the current HUD St
192. ak AWANA CFI DOTA A 2 Click the Print button on the toolbar of the Attached File Manager 4 The CPL displays Click the Print button Fl to print pu 100366803317CPLL_2011013142613_1 pdf Adobe Reader File Edit View Document Tools Window Help amp es w 1 iz 95 2 oS tt Find SRE 2 ATTORNEYS TITLE GUARANTY FUND INC CLOSING PROTECTION LETTER LENDER BORROWER PURCHASER January 03 2011 TRANSACTION hereafter the Real Estate Transaction D Resubmitting a Request for a CPL l Select the file requiring the CPL and make any changes to the REsource file 2 Go to the Utilities menu and select Request IL CPL 3 Choose one of the action items and click the Submit Request button SUN SUES Create New Request General Information CLOSING PROTECTION LETTER REQUEST Submit request Enter different GF Number Retresh with REsource data GF Commitment Ma 110900107043 Click to show activity to date for this CPL Request Mo Lender Letter Created No Buyer Letter Created Mo Seller Letter Created This CPL has already been requested Please review the data for accuracy Choose one of the following actions No changes necessary No redelivery necessary No changes necessary Request a copy of the letter be delivered using the delivery method and address entered below Enter changes and request letter be recreated and delivered using the delivery method
193. ame s of Plaintiff ST1 8 and against PR Enter name s of Defendant ST1 9 in the Circuit Court of PR Enter name of County ST1 10 County Illinois Case No PR Enter case number ST1 11 and all persons claiming thereunder Mortgage Minutes of Foreclosure In order that we may insure title after completion of any proceeding brought to foreclose the lien of the mortgage trust deed noted at Schedule B No PR Enter Schedule B foreclosed mortgage ExceptionNo IN1 1 and recorded as Document No PR Enter foreclosed mortgage lien recorded Documentnumber ST1 2 we note the following and this commitment is subject to a Our policy when issued will be subject to direct attack upon the judgments and orders entered in the proceeding b Our policy when issued will be subject to any right or asserted right of a creditor trustee or debtor in possession in bankruptcy to avoid a transfer of title by sheriff s deed or otherwise pursuant to Title 11 U S C Bankruptcy or any creditor s rights law or state insolvency law c Upon the filing of the complaint a proper Notice of Foreclosure Lis Pendens under Section 151503 of the Code of Civil Procedure must be recorded in the Recorder s Office of PR Enter name of County where property is located ST1 3 County Illinois After July 1 2008 for property located in Cook County a Certificate of Service must be simultaneously recorded with the Notice of Foreclosure affi
194. ampaign Be 2 909 Arrow Rd E af Search By Search By Name City Refresh New Agent Show All Eter Reator Rey Reg 0412117 X Cancel Add New Agent Filter by type Filter by Region 2 The Agent Lookup is context sensitive An Agent lookup on the Lender data field will produce a list of Lenders a lookup on the Realtor field will produce a list of Realtors The type of Agent can be changed by clicking the Filter drop down list Z The Agent list is also filtered by Region In the Region field use the drop down list zlto toggle between regions The drop down list options are a Region Zero Only agents created in Region Zero agents created by ATG display You may use these agents for your files but you cannot edit these agents b Your Selected Region Only agents created in your Region display These are agents that you have created they can be edited C Both Regions Agents in both Region Zero and your Region display 3 Click Search By to change the search criteria Agents are listed by name first name then last name for individuals but you can use the Search By drop down list Z at the bottom of the screen to change your search criteria Other search criteria include Address City and Friendly Name Friendly Name is listed by last name For example agent John Smith will be listed alphabetically by John Smith when the Search By selected is Name and Smith John when the Search By selected is Friendl
195. an Amount nd Lien to S Lender credit to abc LENDER POC 4 r 200 00 to D i G to sin to D DE to ES RE Who is holding the Earnest Money We are Tithe Company Seller s Realtor Lender Buyer s Realtor Other Maximum number of lines 209 Section 200a 200b 3 a Complete Closing inserts amounts for Lines 201 and 202 from the information entered in the Loan tab in Order Entry 1 The description for Line 201 can be changed by typing over the existing text 11 To change the Earnest Money amount go to the Loan tab in Order Entry Enter Debit Credit Double click the D C checkbox and it will copy the item and amount to the corresponding line NOTE Marking an X in the POC field will apply a credit to the Loan Amount This section also displays the party holding the earnest money as entered in the Order Entry screen Loan tab and allows you to change it if necessary by selecting another option Click the Expand this Section button located in the 200 section toolbar to view or edit who is holding the earnest money Adjustments for items unpaid by seller 210 County Property Tax 211 County Property Tax 212 213 214 Zl 216 217 216 214 07 01 09 thru 12 37 09 1 234 56 017 01 10 thru 01431410 783 00 220 Total Paid By For Borrower 202 023 56 Maximum number of lines 219 ATG RESouRCE User Manual ATG 5 15 Page 7 7 Page 7 8 4 Line
196. an Policy Location Endorsement Location Endorsement has been approved for issuance with the Loan Policy ATG REsource User Manual Page 14 55 ATG 5 15 PERMANENT INDEX NUMBER FIRST INSTALLMENT OF THE 2002 TAXES SECOND INSTALLMENT 2002 TAXES 2003 GENERAL REAL ESTATE TAXES ARE NOT YET DUE OR PAYABLE PARTNERSHIPS Agreement Examination The partnership agreement establishing the partnership of PR Enter name of Partnership ST1 1 together with all amendments thereto properly identified in writing by all the partners as being the terms and provisions of the agreement under which the partnership or the partners thereof acquired and holds title or held title should be furnished and this Commitment is subject to such further exceptions if any as may then be deemed necessary In addition this Commitment is subject to such further exceptions if any that may be disclosed after a name search has been made for judgments and other matters against all the members of the partnership of RP 1 Agreement Terms Terms provisions and limitations of the partnership agreement for PR Enter name of Partnership ST1 1 partnership Conveyance Upon a conveyance or mortgage of the land we should be supplied with satisfactory proof of compliance with the terms of the agreement governing PR Enter name of Partnership ST1 1 a partnership and this Commitment is subject to such further exceptions 1f any as may t
197. and 11 the character dimensions or location of any improvement now or hereafter erected on the land 111 a separation in ownership or a change in the dimensions or area of the land or any parcel of which the land is or was a part has or may have occurred Proceedings Lis Pendens Wisconsin Lis Pendens Notice dated PR Insert date of lis pendens here DT2 1 filed by PR Insert name of person s filing the lis pendens here ST1 2 against PR Insert name s of persons receiving the lis pendens here ST1 3 in Case No PR Insert case number here ST1 4 in the Circuit Court of PR Insert name of County here ST1 5 County Wisconsin and recorded on PR Insert date of recording here DT2 6 as Document No PR Insert Document number here ST1 9 NOTE No examination of these proceedings has been made and upon examination this commitment and any policies committed for thereunder shall be subject to such other and further exceptions as may then be deemed necessary METRO EAST OFFICE Subdivision Restriction Building Line Easement Restriction contained dated and recorded as Document No A foot building line running along the line of said lot as shown in the Plat of Subdivision A foot easement running along the line of said lot as shown in the Plat of Subdivision Exceptions for Construction Loan Policy Rights or claims of parties in possession not shown by the public records Encroachments
198. and C Sections thru Section 100a Section 100b Section 200a Section 2006 Section 300 Section 400a Section 400b Section 500 Section 500b Section 600 Section 700 Section 800 Section 300 Section 1000 Section 1100 Section 1200 Section 1300 Section 1400 D Hotkeys l Right click any field to see the hotkeys keyboard shortcuts available for that field 2 Speed HUD hotkeys include lt Ctri gt lt L gt Lookup agent lt Ctrl gt lt E gt View Edit agent lt Ctrl gt lt Delete gt Deletes a manually entered line This only applies to Page Two sections of the HUD lt Ctrl gt lt Home gt Move to the first section on the current page of the HUD lt Ctrl gt lt End gt Move to the last section on the current page of the HUD lt Ctrl gt lt D gt Toggle the Debit Credit checkbox where applicable Note that this works even when the checkbox itself is not visible if the line has the debit credit feature lt Ctrl gt lt K gt Toggle between normal and expanded view of a given section if the section has an expanded view ATG RESOURCE User Manual Page 7 29 ATG 5 15 HOTKEY FUNCTION lt Ctrl gt lt N gt Jump to the next or previous section within the current page lt Ctrl gt lt P gt lt Page Up gt lt Page Down gt lt Tab gt Insert new line or move to the next control within the current section lt 1 gt Move to the next or previous line lt gt lt Ctrl gt lt gt Move to the n
199. and address entered below E Additional ATG REsource Information CPLs in the ATG Edit Services screen will automatically populate for each file and populate the Invoice for Title Charges HUD CheckWriting and Accounting Information Schedule Be sure to select the correct Transaction Type in Services ATG REsource User Manual Page 13 33 ATG 5 15 P ATG Edit Services Title Prep Endorsements Closing Search Bec Misc Commercial Other ATG Buyer Seller Closing VEUT EITSNOQ S A 0 00 0 00 0 00 RESP Closing Checks After Hours Fee i 000 0 00 0 00 l IEheckSSHUDIONRe eeaeee eaan 0 00 0 00 0 00 v EPL Eana ET Re 0 00 25 00 0 00 CPL BDMTOWET se 0 00 25 00 0 00 M ICR S ele er eae Ne 0 00 0 00 50 00 EEn en 0 00 0 00 0 00 Email Loan Package Fee 0 00 0 00 0 00 Member Closet cccccccccssesseeeeeen 0 00 0 00 0 00 Member Closer Admin Fee 0 00 0 00 0 00 F Multiple Loan Closing 00 0 0 0 00 0 00 0 00 F Room Only Full 0 00 0 00 0 00 F Room Only Refinance 0 0 0 0 00 0 00 0 00 lax Parme con ere 0 00 0 00 0 00 F Water Payment aiiieisiseeeee 0 00 0 00 0 00 2 Commitment Schedule B Section I Requirements The following language will automatically populate the Commitment Schedule B Section I Requirements S Per Illinois law for closings on or after 1 1 11 Closing Protection
200. ansfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form Note If Property is exempt from stamps a 25 00 exemption fee is required Bartlett The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF BARTLETT As of the date of this commitment Bartlett tax rate is 3 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form The town of Bartlett requires the water bill be paid prior to closing Bensenville The town of Bensenville requires a property inspection prior to closing Berwyn The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the TOWN OF BERWYN As of the date of this commitment Berwyn tax rate is 10 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form The town of Berwyn also requires a Certificate of Occupancy and requires the water bill be paid prior to closing Note
201. aration Condominium Conversion Wisconsin Furnish ATG with a certificate executed and acknowledged by the Secretary of the Board of Managers Directors stating that there are no unpaid assessment liens arising by reason of the nonpayment of assessments as per the Condominium Declaration Terms provisions covenants conditions and options in rights and easements established by the Declaration of Condominium Ownership recorded PR Enter date of Condominium Declaration recording DT2 1 as Document No PR Enter Document number ST1 4 as amended from time to time Furnish ATG with a certificate executed and acknowledged by the Secretary of the Board of Managers Directors stating that compliance has been made by the owners with the provisions of the Condominium Declaration or that said provisions relating to preemptive rights have been duly waived by the Board of Managers Directors and the rights of the Board thereunder have terminated Limitations and Conditions Imposed by the Wisconsin Condominium Ownership Act Any deed conveying a unit in a conversion condominium must contain one of the following statements The tenant of Unit has waived or has failed to exercise the right of first refusal or The tenant of Unit has no right of first refusal Any lien or right to a lien for services labor or material heretofore or hereafter furnished imposed by law and not shown by the public records including without l
202. arch open close D Super Search open Super Search close 2 Type the criteria to search in this example Wells Fargo and the Contact name Amy 3 Click the Search button The search results display below Click OK to use the agent Name wels Fargo Phone Fax ooo D Cell Phone Number address Contact Name amy D Future Use PO Friendly Name SY Future Use i O O County EMaiadaress M Payoff Location Notes Include Agent Contacts Include Archived Agents Include One Time Use Display Service Providers Only Search Resel Search Characters welts Fargo Super Search ck Wells Fargo Home Mortgage 6383 Amy Calumet Avenue E One Time Use Agent The One Time Use Agent function allows users to modify an Agent that 1s not in his or her Region for one time use only The advantage of this function is that a new Agent does not have to be created l Select the agent using the Lookup Agent function 2 Right click on the agent and select Enter as One Time Use Agent Loan Information Lender i 447650 1403143 1st Advantage Morta L Numb Lookup Agent Ctri L cali SAMBEN View Edit Agent Crl E Mort Ins Case No Enter as One Time Use Agent Ctrl Notice that a new Agent ID number will be created and the existing ID number will appear in the name ATG REsource User Manual Page 3 5 ATG 5 15 3 Right click again and select View Edit Agent to edit the agent
203. are Support Specialist who can identify and solve problems assist with procedural matters and guide you through the many features of ATG REsource via Terminal Server Session See Software HelpDesk contact information under Questions below Terminal Server Session This remote control feature allows an ATG employee to steer you through various REsource screens and data fields as if he or she were sitting next to you controlling your mouse During this session our employee is on the phone talking you through the process stopping to clarify or answer questions at your pace Members who have already experienced Terminal Server Sessions report that they are more helpful and productive than telephone support alone Additional Services ATG REsource users have access to the following services and information from the HelpDesk Technical support Software training schedules Software upgrades and Information about ATG REsource View and or download this information from its website equivalent on the Member section of our website www atgf com Questions Contact the ATG REsource HelpDesk at 888 776 4420 or atgresource atgf com You may also contact a Member Services Representative 800 252 0402 ATG REsource User Manual ATG 5 15 VI SOFTWARE INSTALLATION A ATG RESourRCcE User Manual ATG 5 15 Terminal Services and ATG REsource Connection Setup l 2 4 Log in at www atgf
204. ase number ST1 1 in the Circuit Court of PR Insert county ST1 2 County Wisconsin to foreclose the lien recorded as Document Number PR Insert documentnumber IN1 3 In order to complete the sale of the premises the following items must be completed 1 A discharge of Lis Pendens 2 An order dismissing the Circuit Court action Page 14 80 ATG REsource User Manual ATG 5 15 3 If a judgment of foreclosure was entered an order satisfying the judgment 4 If a sheriff s sale was held an order vacating the sheriff s sale 5 If an order confirming the sheriff s sale was entered an order vacating the order Requirement Domestic Corporation Active Authority Furnish ATG with a certified copy of the proper resolutions passed by the stockholders or board of directors authorizing the execution of the deed or mortgage and this commitment any policies committed for thereunder are subject to such further exceptions as may then be deemed necessary Furnish ATG with a certificate of status from the Wisconsin Department of Financial Institutions verifying domestic incorporation in the State of Wisconsin The failure to produce the certificate will result in the policy or policies to be issued to contain the following exception Consequences if any that may result because of the failure of the party in title to the estate or interest in the land described in Schedule A to comply with the applicable doing business laws of th
205. at there are no unpaid assessment liens arising by reason of the nonpayment of assessments as per the Condominium Declaration Terms provisions covenants conditions and options in rights and easements established by the Declaration of Condominium Ownership recorded PR Enter date of Condominium Declaration recording DT2 1 as Document PR Enter Document number ST1 4 as amended from time to time Furnish ATG with a certificate executed and acknowledged by the Secretary of the Board of Managers stating that compliance has been made by the owners with the provisions of the Condominium Declaration or that said provisions relating to preemptive rights have been duly waived by the Board of Managers and the rights of the Board thereunder have terminated Limitations and conditions imposed by the Illinois Condominium Property Act Any deed conveying a unit in a conversion condominium must contain one of the following statements The tenant of Unit has waived or has failed to exercise the right of first refusal or The tenant of Unit has no right of first refusal Any lien or right to a lien for services labor or material heretofore or hereafter furnished imposed by law and not shown by the public records including without limiting the generality of the foregoing liens or rights to a lien arising from contracts in connection with the construction of improvements or conversion of the existing building or buildings on the la
206. ation if any None Post Lis Pendens Wisconsin We have examined the proceeding in Case No PR Insert Case Number ST1 4 in the Circuit Court of PR Name of County ST1 4 Wisconsin to foreclose the lien recorded as Document PR Insert Document number ST 1 4 and note the following A Right of any interested party to have set aside modified or reversed the judgments or orders entered in said case B Right of any party served by publication or of any person claiming under said party to appear and be heard in regard to the judgments and orders entered in said case within the time allowed by law C Right if any by reason of military service or of any person interested in the subject matter of the proceeding to redeem from the sale held pursuant to the judgment entered in said case within the time permitted by the Soldiers and Sailors Civil Relief Act D Right of the United States of America to redeem the land from any sale held pursuant to the judgment by reason of any federal lien which may presently or hereafter appear of record within the time permitted by law E Consequences of any failure to comply with the laws of the State of Wisconsin which specify the conditions under which the purchaser is entitled to obtain a Deed conveying title to the land described in schedule C hereof F Rights of the Purchaser of the land at a sale held pursuant to the judgment entered in said case and of all person
207. ation of commission and Earnest money to occur automatically M Earnest Money Buyer s Realtor Seller Lender Seller s Realtor lf Escrow Deposit Type of Funds Check X No One or Not Listed If either Seller s Realtor or Buyer s Realtor is selected a Confirm dialog will appear asking if the earnest money amount should be deducted from the Realtor s commission check Confirm 1 If you select Yes the amount withheld will appear on the HUD in Section 700 as a disclosure line When this happens the system will also place the Earnest Money on Line 201 and on Line 506 as a Debit Credit item for the Buyer and Seller See RESPA directive 500 Reductions in Amount Due To Seller 501 Excess deposit see instructions 502 Settlement charges to seller line 1400 503 Existing loan s taken subject to PF es 504 Payoff of first mortgage loan O O 505 Payoff of second mortgage loan 506 Earnest Money Retained by Realtor 500 00 ATG REsource User Manual ATG 5 15 200 Amounts Paid By Or In Behalf of Borrower 2 If you select No the amount will appear on Line 507 as EMD 00 00 Disbursed as Proceeds 500 Reductions in Amount Due To Seller 201 Deposit or earnest money 501 Excess deposit see instructions 202 Principal amount of new loan s 502 Settlement charges to seller line 1400 203 Existing loan s taken subject to 503 Existing loan s taken
208. atus from the drop down list d Property Location Borrower Seller Sale Price Earnest Money Lender Information including Loan and Mortgage Ins Case Numbers Entered and edited in Order Entry e Settlement Information and Date Entered and edited in Order Entry f Sections 100a 100b 200a 200b 400a 400b 500a 500b These tabs automatically import data from entries in Sections 700 1300 2 Enter Additional Line Items Click on or lt Tab gt to the blank line s available and enter an Item Description b Press lt Tab gt The POC checkbox appears C Select this checkbox and enter POC Code if applicable and press lt Tab gt NOTE If this checkbox is not selected it disappears when lt Tab gt is pressed again d If more lines are needed use Section 1300 or the Edit Payoff button F4 For 100a more information on editing payoffs please refer to the Edit Payoff documentation 3 100 Gross Amount Due From Borrower FRIES a 101 Contract Sales Price S102 Personal Property 103 Settlement Charges to borrower 104 105 200 000 00 a os 5 06212 RE Oo Maximum number of lines 105 ATG REsource User Manual ATG 5 15 200a 00 201 202 20 204 205 206 20r 205 204 Seller Amounts Paid By Or In Behalf of Borrower EE D C Amount cct Code Deposit or earnest money Principal amount of new loans an T Existing loan s taken subject to to os ee Lo
209. ayoff Description Fayoff of first mortgage loan C 360 Days Payoff To Poo p lonw Principal Balance Interest From Date FAL thn 1 9 2010 fa M Override Interest Rate Ge fo Per Diem Fo Override Total Interest Amount f SLO Override ert POC Whe Amount POC 0 00 2 Payoff information 1s calculated according to the following a Formulas i 11 111 IV Payoff Amount Calculation Formula 1 Principal Balance Interest Amount Sum of Additional Charges Payoff Amount Calculation Formula 2 Principal Balance Sum of Additional Charges Payoff Amount Calculation Formula 3 Principal Balance Per Diem x Interest Period Sum of Additional Charges Payoff Amount Calculation Formula 4 Principal Balance Interest Rate x Principal Balance Annual Days Sum of Additional Charges b Exceptions 1 11 111 IV ATG RESOURCE User Manual ATG 5 15 If the interest amount is overridden Formula 1 is used If only the principal balance and or additional charges are entered Formula 2 1s used If there are no Interest From and Interest Thru Dates but the Interest Rate or Per Diem fields are filled in Formula 2 1s used If none of the above is true and you check the Override check box next to the Per Diem field then Formula 3 is used If the Override check box next to the Per Diem field is not checked then Formula 4 is used Page 7 45 8 Check Writing YS ATG 8 C
210. bdivision for full particulars of which we refer to the public records Deceased Will No Probate PR Name of deceased ST1 1 owner of the premises died testate PR Date of Death DT2 2 leaving a will filed with the PR County Will was filed in ST1 3 County Circuit Clerk on PR Date will was filed DT2 4 In connection therewith the following is noted A A satisfactory table of the heirship and of the value of the estate of RP 1 deceased should be furnished and this commitment is subject to such further exceptions if any as may then be deemed necessary B Expenses of administration and claims against the estate of RP 1 deceased C Federal and Illinois Estate Taxes which may be charged against said estate D Statutory rights powers and duties of the personal representative of said decedent if and when appointed E Legacies created by the Will F If the property is to be conveyed by devisees under the will under the Illinois Small Estate Act it will be necessary that such grantors execute a Personal Undertaking satisfactory to ATG a copy of which is furnished herewith Page 14 52 ATG REsource User Manual ATG 5 15 NLT ROCKFORD REQUIREMENTS Deceased Will No Probate Requirements A certified copy of the death certificate of PR Name of deceased ST1 1 A satisfactory Affidavit of Heirship A Statement of No Claims against the estate of PR Name of deceased ST1 1 Refinance Standard
211. bers Policy Date Effective Date Underwriter Report Date A rE Br eee ee Owner Premium 1 445 00 2 ee Premium 595 00 5 Premiums 2 CEHE Owner Sched B Taxes for the year 2009 and thereafter First installment 2009 tazes in the amount of 1 000 00 is Paid Second installment 2009 taxes in the amount of 1 000 00 is Not yet due or payable Taxes for the year 2010 are not yet due and payable Permanent Index No a Terms provisions covenants conditions and options contained in and rights and easements established by the Declaration lt recorded September 1 1987 as Document No 87 11111 as amended from time to time ATG REsource User Manual ATG 5 15 B The Owner s and Loan Policy Numbers will automatically display Policy numbers are the same as the File Number and the Commitment Number followed by 01 NOTE Policy jackets are printed in REsource Pre printed serialized jackets are no longer used C Enter the Effective Date or click the Fill in Date Using Calendar button Ea D Enter the Policy Time if known E All selected not marked exceptions from the Commitment gt Schedule B gt Exceptions tab will automatically appear unmarked in the Owner Schedule B sub tab and the Mortg Schedule B sub tab the first time that the Policy tab 1s selected F Add or edit exceptions or select language from the Lookup Standard Language Items button Fi as required 4 3 5
212. bmitted to ATG or b Affidavit in Lieu of Survey which shall be submitted to ATG If neither is submitted to ATG this exception will not be waived and will remain on the final title policy Recorded Lease Memorandum of Lease dated PR Insert date of lease agreement here DT2 1 and recorded PR Insert date the lease agreement was recorded here DT2 2 as Document PR Insert Document number here ST1 5 by and between PR Insert name s of Lessor ST1 6 Lessor and PR Insert name s of Lessee here ST1 7 Lessee Subordination of Lease Subordination Agreement dated PR Insert date of subordination agreement here DT2 1 and recorded PR Insert date the subordination agreement was recorded here DT2 2 as Document PR Insert Document number here ST1 5 made by PR Insert name s of persons making agreement here ST1 6 and given to PR Insert name s of persons receiving agreement here ST1 7 Unrecorded Leases Existing unrecorded leases and tenancies and all rights thereunder of the lessees and tenants and of any person claiming by through or under the lessees LIBRARY MERS Mortgage Electronic Registration Systems Inc acting solely as nominee for LIEN LIS PENDENS Minutes of Foreclosure Mechanics Lien In order that we may insure title after completion of any proceeding brought to foreclose a mechanics lien in favor of we note the following and this commitment is subject to
213. bursements in Check Writing Page 7 42 ATG REsource User Manual ATG 5 15 O Print Preview X ogm fax n afi gt gt DHr Close Lender Breakdown 110900102033 Expected Loan Amount Line Description Action Amount Balance Loan Amount 250 000 00 250 000 00 801 Our origination charge Funds Withheld 2 500 00 247 500 00 502 Your credit or charge points for the s Funds Withheld 2 500 00 245 000 00 901 Daily interest charges Funds Withheld 230 00 244 770 00 1002 Homeowner s insurance Funds Withheld 40 00 244 730 00 1004 County property taxes Funds Withheld 300 00 244 430 00 1011 Aggregate Adjustment Funds Withheld 120 00 244 550 00 Total 244 550 00 Lender s Check Line Description Action Amount Balance 604 Appraisal Fee 100 00 100 00 605 Credit report 100 00 200 00 606 Tax service 75 00 275 00 B To print the report click on the Print button XI 1099S REAL ESTATE TAX REPORTING A The following documents are available for printing with the HUD and should be used with all transactions as applicable l HUD Signature Page 2 Substitute Form 1099S Proceeds from Real Estate or 2 Certification for No Information Reporting on the Sale or Exchange of Principal Residence 4 Receipts and Disbursement Summary B Printing HUD Documents l When either Print HUD button 7 Ld is clicked on the toolbar printing prompts will appear N Mel x ig First 2 pages of Hud Only 2 To prin
214. button 3 Click OK on the confirmation prompts that indicate the selected template will override any data entered in Order Entry The Select Template window appears ATG REsource User Manual Page 7 41 ATG 5 15 4 Click the All Orders button to list all of your files Search Characters O40055800003 Template 2 6 2004 2 6 2004 O50899900001 Template 61 2005 17 8 2005 O509001 00509 Template 1141 2005 11 20 2005 050973900054 Template 1011 2004 11 9 2004 009001 01036 Template 122007 124 3 2007 060900101252 Template 10 2 2008 All Orders Search By Refresh All Orders 5 Enter the original file number in the Search Characters field 6 Double click the desired file number Select Template Search Characters fososoo 01 436 090900101 462 11 23 2009 090900101 463 11 30 2009 090900101 464 1130 2009 090900101465 12 2 2009 1241 2009 O90900101466 4 Mew 12 29 2009 T The data from the existing file will now appear in the new file IMPORTANT NOTE The Sale Price Earnest Money and Loan Amount will not be copied from the existing file After adding the Sale Price Earnest Money and Loan Amount to the new file you must go to ATG Edit Services to select services X LENDER BREAKDOWN REPORT A To preview the Lender Loan Breakdown report click the Show Lender Loan Breakdown button The report shows the expected loan amount and the lender s check amount before creating Receipts and Dis
215. button Delete select the check s in the Checks window Hold Use this option if you are printing checks as a group with the Print All Checks button and you want to hold one or more selected checks Before you click this button select the check s in the Checks window Held check s will be highlighted in grey To un hold select the check s and click the Hold button Hold Undo All Use this option if you experience problems with your printer or check paper that prevents checks from printing properly Complete Closing removes the check numbers and dates from all the checks so that you can reprint them To undo only one or more selected checks use Undo This option may not be available based upon your security Stop Pay Use this option if you are stopping payment on a check Before clicking the Stop Pay button Stop Pay select the check s in the Checks window This option highlights the selected payee entry in blue and creates a new duplicate of the record without a check number or date Use this duplicate entry to make needed modifications to the check When you issue the modified check date it with today s date The Book Balance Report in the Escrow Account program will show a negative check credit on the date the check is stopped The reissued check will display as a debit on the date it is issued Wire Funds Use this option to denote that the disbursement was a wire Select the Transfer button Tfanster and assign a
216. c were sold ST1 1 installment PR Enter the year Y YYY of the tax sold IN1 2 taxes of PR Enter the amount of the taxes sold CU1 3 not paid and sold on PR Enter the date the taxes were sold DT2 4 to PR Enter the name s of the tax purchaser ST1 5 at PR Enter the amount of interest the taxes sold for IN1 6 Township General The property is located in PR What is the name of the township this property is located in ST1 1 Trust Deed Trust Deed dated PR Enter date of Trust Deed DT2 1 and recorded PR Enter date the Trust Deed was recorded DT2 2 as Document No PR Enter recorded Document number ST1 5 executed by ATG REsource User Manual Page 14 69 ATG 5 15 PR Enter name s of person granting the Trust Deed ST1 6 and given to PR Enter the name s of the lender receiving the Trust Deed ST1 7 to secure a note in the amount of PR Enter the dollar amount of the Trust Deed CU1 8 and such other sums as provided therein UCC Financing Statement Financing Statement UCC 1 dated PR Enter date of UCC statement DT2 1 and recorded PR Enter date the UCC statement was recorded DT2 2 as Document No PR Enter recorded Document number of the UCC statement ST1 3 made by PR Enter name s of person giving the UCCstatement ST1 6 as Debtor and given to PR Enter name s of lender entity receiving the UCCstatement ST1 7 as Secured Party Vacated Streets and Alle
217. cago IL Add To Order ABC Bank Mary Berry Chicago IL f The Search screen closes and the information populates the section in which the search was initiated NOTE If the agent is not found click the Add New button complete the form and click the Add New button The Search screen closes and the information populates the screen in which the search was initiated 7 Saving using the Add Button a The Seller Buyer and Property sections contain an Add button located at the bottom of each section NOTE To save the data entered in each of these sections you must click the Add button If the Add button is not clicked the Seller Buyer and Property information will not be saved b The data will now be displayed at the bottom of the section and the data entry fields will be cleared ste a Sam Seller 111 Main Chicago IL 60614 Home Ph Fax 8 To enter multiple Sellers Buyers or Properties click the Add button after entering each new item 9 Use the Clear Form button Clear Form to delete all data in that section 10 To remove saved information check the checkbox and click the Remove button Es Page 13 10 ATG REsource User Manual ATG 5 15 11 122 13 14 15 ATG RESouRCE User Manual ATG 5 15 Click the Submit Order button at the bottom of the page The Property Information dialog opens Property Information Legal Description 150 characters Address City
218. ce User Manual ATG 5 15 evidence should be furnished establishing that the compensation agreed upon in such agreement has been paid and the broker s lien or right to a lien for such amount has been extinguished In the event the evidence is not furnished our policy or policies when issued will be subject to the following exception Any lien or right to a lien imposed by law under the provisions of Wisconsin Stat 779 32 and not shown in the public records for compensation agreed upon by a broker and the broker s client or customer under the terms of a written agreement entered into for the purposes of buying selling leasing or otherwise conveying any interest in the land described in Schedule A Variations between Record and Measured Bearings Variation between record and measured bearings angles or distances as shown on the survey dated PR Date of Survey ST1 1 and prepared by PR Surveyor Name ST1 2 known as Order Job No PR Order Job Number ST1 3 CONDOMINIUM CONVERSION Additional Parcels Wisconsin The developer has reserved the right to add additional property to that which has been submitted under the Wisconsin Condominium Ownership Act by the Declaration recorded as Document PR Additional Property Enter condo declaration document number ST1 1 and in the event of any such addition to reallocate percentage interests in the common elements For further particulars see the Decl
219. ce in completing your first reconciliation B Segregate duties so reconciliation is not performed by an escrow trust account signatory or approver of bank transactions If you are the individual responsible for reconciliation contact the REsource Help Desk for an update to your security C Perform a Three Way Reconciliation at least monthly D Use the Current Escrow Trial Balance Browser tool in CC Escrow Accounting daily to monitor files with an open escrow account balance E The most common causes of out of balance situations are un posted deposits and incorrect deposit dates Always use the actual date of the deposit before posting the deposit F Use the REsource Control file for entering your bank fees or interest rather than the Other Receipts and Disbursements feature in the Bank Reconciliation screen G For assistance contact the REsource Help Desk at 888 776 4420 or atgresourceWatgf com ATG REsource User Manual Page 9 35 ATG 5 15 1 0 Policy Preparation YX ATG 10 POLICY PREPARATION I SCHEDULE A OF THE OWNER S POLICY AND LOAN POLICY The information for the Schedule A of the policies is imported from the Commitment Schedule A tab Therefore prior to preparing the policies edit the Insured or the Legal Description in the Commitment Schedule A tab To edit the Amount of Insurance return to the Order Entry gt Loan tab A To enter edit information for the Owner s or Loan Policy click the Commitment Pol
220. ch For an additional fee the search will be completed within three 3 days Tax and Assessment Only Tax Bill Only Tract UCC Filing UCC Recording UCC Release Water Certificate The City of Chicago requires a final meter reading and paid water bill prior to closing Contact the ATG Search Department to order a Water Certificate Zoning Certification The City of Chicago requires an inspection of residential property prior to closing To order a Zoning Certificate contact the ATG Search Department at 312 752 1994 or Chi Search atgf com NOTE An application is available in the Print Documents menu DOC Water amp Zoning Application Payment for the Water and Zoning Certification is due in advance 24 Month Chain of Title A list of any deeds of record for the previous 24 months on the insured property Non ATG Search ATG use only Later Date Search Add or delete Later Date Search fees Page 4 9 Page 4 10 Rec Misc Recording Miscellaneous Tab Recording and miscellaneous fees will appear on the Invoice for Title Charges Closing Statement seller only and the HUD 1 Settlement Statement Click the Rec Misc tab to enter recording fees and miscellaneous fees ATG Services Title Prep Endorsements Closing Search Bec Misc Commercial Other ATG Buyer Seller Recording IN MERS et Release Status Verification M Delivery Handling Fee Payoff Add Misc Delete Misc 0 00 0 00
221. change the HUD to a simplified 1 A format This form displays only borrower lender information and the form has some different sub tabs as well as blocked access to other tabs You can only enter information into the tabs fields that pertain to buyer or borrower ATG REsource User Manual Page 7 3 ATG 5 15 Page 7 4 10 D Paid by Other Parties Click this button to pull up the Paid By screen in any section of the HUD that requires designating a party to pay a fee for the buyer or seller This feature is not recommended For further assistance please contact the REsource HelpDesk E Click this button to preview the Lender Breakdown Report The report shows the expected loan amount and the lender s check amount before creating Receipts and Disbursements in Check Writing Show Lender Breakdown Report Lock Unlock the HUD a Click the Lock button gt to lock the HUD so it cannot be altered b Click the Unlock button to edit the HUD When you lock or unlock the HUD a confirmation message displays Click Yes to confirm and continue Navigation a Use the shortcut keys or the Jump to Next Section button tE located on the toolbar to move through the 2010 HUD Click the button to move to the next HUD section or click the drop down arrow to display the Navigation drop down list to move to desired HUD section by clicking on number on the list Sections B and C Sections thru Section 100a Section 1006 Sect
222. ci pe cet e endec de terse se eee 14 35 OR pe eee oe adic detente se eet 14 36 PORT Teo SOO aT TCE OEP Te CO RPT ee Ne Serene Ce Om ee one ere ee 14 38 DE I eet aie tt ss E eesti deters tse eet 14 44 KLEE RE as cts cern recanted A 14 44 En A A 26 TOR D ECI PON oa E EE A 14 45 KLE ROCKFORD RO ed al 14 53 EAE SETA E a A i E O E EE A E OEE E OEN EEEE E EAA E NAE A A ANEA E essences E 14 53 NOTES FOR Tapes tee cease trae A S E S E O 0 14 55 ATG RESOURCE User Manual Page iii ATG 5 15 D ae a em ee 14 56 PO Ngan sense sees A escenario 14 56 al Al ee eee nee ee AED ee eet ey ee Le eee neem SE Me ee nT Cr Seay ee Oe ee 14 56 i cece E E A A bcc remediate AA 14 57 Po E TA e A AAE A AAE A A 14 57 FAROA a A A AA AA AA 14 57 FEALE T T 6 2 A A AAE A E AAE AAA 14 57 FECE A A E A AA A T AA A A 14 61 EEFIN A CP SERVICE PR NEE EAA NEN EEA EE EE E EE EE AAAA 14 62 ARA D E a E E E 14 62 e O A E E coe eee couse etede utes seca ace sete aareaee ese pana sereceaceiaive 14 63 SE AEE reece caste E S cade sete a iets ce E a atc eon santa Soe ones saasedane AA aanaveane see saasereneiaes 14 7 PT Msc pase ein EE eit nesses sees a nce cine ese coer ae Recess EA E A eto AEAEE ATE ET 14 72 A 14 73 RE reacts apenas acest ee ctedeseon ea secinae oe decente cacenete sagan eseeeeietes 14 73 UNSUBDIVIDED VACANT NE lee oasansie Dewees EE EE EEA EEE EA REEE aaa boxeaneedcnatiadsanseueasiadematacee 14 73 WATER A a A EA EE EEE E A E EE 14 74 EELER CRE ea A EE
223. ciliation screen opens B Click the New Reconciliation button Fi The New Reconciliation screen opens 2 Bank 697 Through Date 430 201 3 FA Beg Balance 1 000 00 End Balance 0 X Cancel C From the Bank drop down select the escrow account The Bank drop down list displays only region specific banks 1 e Region users see only Region 1 banks D From your bank statement enter the Through Date Enter the date or click the Calendar button Ea to select a date E Enter the Beg inning Balance and Ending Balance as reported on the bank statement If this is your first reconciliation the End ing Balance should be 0 Zero F Click OK to create a new reconciliation or click Cancel to exit The program then displays all un reconciled receipts and disbursements from files in Complete Closing Enterprise through the Through Date amp Bank Reconciliation 0206 2013 Wells Fargo 42 446 89 1309001 02607 10205 2013 Loan Amount 91 906 43 02 06 2013 ATG Fees and Transfers 155 00 1309001 02607 20205 2013 Funds from Buyer 20 334 11 0206 2013 Test R Member 1 666 00 Bank 897 1 02 26 2013 Initial Deposit 1 500 00 02 06 2013 Recorder of Deeds 38 00 02 06 2013 ReMax Properties 2 500 00 02 06 2013 Johnson Agency 3 000 00 0206 2013 Farm Bureau Insurance 1 140 00 Fi 0206 2013 Equifax 630 00 02 06 2013 Marion County Auditor 15 00 0206 2013 Blue Sky Community Man 425 00 02 06 2013 HMS 420 00 0206 2013
224. com with your user name and password Under ATG Member Attorneys click View ATG REsource User s Information Scroll down to Downloads to download setup files and instructions for Shortcut to REsource Remote Desktop Shortcut to REsource Remote Desktop This shortcut should be placed on your desktop and is used to launch a connection to the REsource terminal servers Instructions Download Now Remote Print 5 0 The Remote Print file enables REsource users to print to a local printer save REsource documents locally in a Word or POF format or e mail REsource documents as attachments Instructions Download Now Simplify Printing v4 4 4 for 32 bit Windows Simplify Printing ScrewDrivers is a tool that helps manage the printers that are available while in REsource Instructions Download Now Simplify Printing v4 4 4 for 64 bit Windows Simplify Printing ScrewDrivers is a tool that helps manage the printers that are available while in REsource Instructions Download Now Crossloop for REsource Support RX CrossLoop MA CrossLoop connects computer users with its free and easy mpana Mange to use desktop sharing software application to trusted qualified service providers and friends who can provide the support they need quickly and conveniently Instructions Download Now Click the Download Now link and save it to your desktop Remote Print and Simplify Printing ScrewDrivers Setup If you are connected
225. complete Invoice document Prior to printing an Invoice all title and related charges must be entered in the Edit Services E area Please refer to instructions in this manual for completing the ATG Edit Services A Invoice Printing To print an Invoice Print Documents l Click the Print Documents button 63 2 Click the drop down arrow xl in the Category field and select Invoice for Title Charges to view all invoice documents or Page 5 14 ATG REsource User Manual ATG 5 15 3 ATG RESouRCE User Manual ATG 5 15 Scroll down the list of documents to select one of the available Invoice documents Print Documents Category invoice for Tithe Chats Sort by Filter by i Exact Contains Y ae D DOC In 2010 BO Chicago Area DOC Inv 2010 BO Sep Search Dol Inv 2010 NES Chicago Ares DOC Inv 2010 NBO Sep Search DOC Inv For Title BO Chicago Area DOC Inv for Title BO Sep Search DOC Inv For Title MBO Chicago Area DOC Inv For Title WACO Sep Search DOC Invoice Services REFI DOC Invoice Services REFI NBO a Doc Inv 2010 BO Chicago Area For use with the three page 2010 HUD 1 Settlement Statement Breakout of title charges b Doc Inv 2010 NBO Chicago Area For use with the three page 2010 HUD 1 Settlement Statement No Breakout of Title Charges C Doc Inv 2010 BO Sep Srch For use with the three page 2010 HUD 1 Settlement Statement Breakout of Title Charges and Separate Search Fee d Doc Inv 2010 N
226. contains a deposit with a date later than the date of the deposit slip b Any of the deposits on the deposit slip contain a bank that does not match the bank on the deposit slip NOTE The incorrect information is bold and underlined on the report 2 To run the Bad Deposit Slip report Select Reports gt Bad Deposit Slip or press lt Alt gt lt R gt then lt S gt Dep Slip Deposit Slip Date Bank Dep Slip Deposit Slip Date 04 708 Dep Slip Deposit Slip Date O44 rg XXVIII ESCROW CHECK WIZARD Please contact the REsource Help Desk if your check numbering is not correct XXIX CONTROL FILES A Using a Control File Prior to your first reconciliation create a new file in REsource for the purpose of entering other disbursements and receipts such as bank charges or earned interest that appear on your bank statement but are not specific to a transaction The Control file that you create in REsource for this purpose should be named Bank The corresponds to your Escrow Bank number in REsource In this REsource Control file enter any deposits in the Deposit tab and enter any bank fees in the Check tab of Check Writing Bank fees entered in the Check tab should be changed to a Wire and the deposit should be booked This can also be accomplished from Complete Closing Escrow Accounting B Creating a Control File l Open Complete Closing Enterprise a Select File gt New File No Suggest Comple
227. corded PR Date deed was recorded DT2 2 as Document No PR Document No of deed ST1 3 Note This exception may be waived only with approval from an ATG staff attorney MOBILE HOME Mobile Home Commitment ATG must be provided with the following information in order to ascertain if a mobile home or any other component housing unit is an integral part of the land a Whether ownership of both the mobile home or component housing unit and the land are in the same person ATG REsource User Manual Page 14 35 ATG 5 15 b Whether there 1s an intention to dedicate the mobile home or component housing unit for the exclusive purpose of a permanently located dwelling area c Whether the motor vehicle registration of the mobile home or component housing unit has been properly cancelled d Whether the mobile home or component housing unit is being taxed in conjunction with the land as a single parcel of real property e Whether the permanent affixation of the mobile home or component housing unit to the land has been fully effected This affixation entails among other factors the following actions 1 removal of axles and wheels from the mobile home or component housing unit 2 setting of the mobile home or component housing unit upon a permanent foundation 3 connection of the mobile home or component housing unit to a sewer system and public utilities 4 compliance with any other statutory requirements f
228. corded document is being reviewed ST1 1 recorded PR Enter date Document was recorded DT2 2 as Document No PR Enter recorded Document number ST1 3 Grant General Grant of PR What type of grant is this Access Easement Etc ST1 1 dated PR What is the date of the grant DT2 2 and recorded PR When was the grant recorded DT2 3 as Document No PR What is the document number of the grant ST1 4 Installment Contract for Deed Terms conditions and covenants of installment contract or agreement for Warranty Deed between PR Enter name of Installment Contract Seller s ST1 1 and PR Enter name s of Installment ContractPurchaser ST1 2 dated PR Enter date of Installment Contract DT2 3 and recorded PR Enter date Installment Contract was recorded DT2 4 as Document No PR Enter Document number ST1 7 Lien Chicago Transfer Tax Notice of lien claimed by the City of Chicago under the provisions of Section 3 33 120 of the Municipal Code against PR Insert name of person s who owe the money ST1 1 in the sum of PR Insert how much money they owe CU1 2 which notice was recorded PR Insert date the lien was recorded DT2 3 as Document No PR Insert Document recording number ST1 6 Also every document transferring property in the City of Chicago must include the proper amount of transfer stamps or be marked exempt pursuant to one of the City of Chicago transfer tax exemptions L
229. cting the land provide an affidavit to this effect by the owner of the land Commercial Standard Exception No 2 To waive Standard Exception No 2 Encroachments overlaps boundary line disputes and any matters that would be disclosed by an accurate survey and inspection of the premises from the Owner s Policy furnish ATG with a land survey made in accordance with the Minimum Standard Detail Requirements for Land Title Surveys as adopted by ALTA ACSM made within six months of the date of this commitment and this commitment is subject to such further exceptions 1f any as may then be deemed necessary Commercial Standard Exception No 3 To waive Standard Exception No 3 Easements or claims of easements not shown by the public records from the Owner s Policy supply ATG with a survey in compliance with the requirements noted in Standard Exception No 2 above In addition to matters disclosed by the survey the following exceptions will appear in lieu of the Standard Exception No 3 unless satisfactory disposition thereof is otherwise made a Rights of public or quasi public utilities if any in the land m NOTE To establish the non existence of such rights comply with the requirements as set out under Standard Exception No 1 above ATG RESOURCE User Manual Page 14 7 ATG 5 15 Commercial Standard Exception No 4 To waive Standard Exception No 4 Any lien or right to a lien for services
230. cy Logging W Borrower Suppress Names Commitment f 00900101736 W 2nd Mortg Insured Suppress Interest In Land Fee Simpe MERE ASS 2na mona surea LEC Bank Owner Insured M ortg Insured Mortg Borrower 2nd Mortg Insured Current Title Holders Legal Desc More Int lr 4 r 3 Click the Insert Morts Insured Name s in Text Box button The second Lender s name will display You may edit the Lender s name to include its successors and or assigns or other language as directed by the Lender 4 To print select the ATG Pkg Commitment 2 Mortgs 06 package ATG REsource User Manual Page 5 7 ATG 5 15 IL SCHEDULE B A Preparing Schedule B of the Commitment l To enter edit information on the commitment click the Commitment Policy Preparation button E or select Commitment Policy from the Data Entry menu Complete Closing Enterprise 6 5 File spata Entry Utilities Window ATSF Extensions Help amp 5 a M File 100900101736 Data Entry gt Commitment Policy Binder Commitment Policy Preparation 2 Select the Sched B tab The Sched B Sched B Req Exceptions and Notes to Closer sub tabs display below etty Seller and Barney Seller TO Commitment Policy Binder Commitment Policy Logging LEA CmtSched Sched B Policy Policy Options and Taxes fear isa aj 7l e Blank remium Information Owner Premium F 00 Mortg
231. d adjoining onto the insured premises by approximately PR Enter number of feet of encroachment IN1 3 feet Insured Land Building Line A survey discloses an encroachment of the PR Describe the encroaching structure ST1 1 over the PR Enter direction North South etc ST1 2 building line by PR Enter number of feet of encroachment IN1 3 feet Insured Land Easement A survey discloses that the PR Describe the structure that is encroaching ST1 1 located upon the insured premises encroaches onto the utility easement located on the PR Enter direction North South etc ST1 2 of the land by PR Enter number of feet of the encroachment IN1 3 feet Page 14 22 ATG REsource User Manual ATG 5 15 Insured Land Lot Line A survey discloses that the PR Describe the structure encroaching ST1 1 located upon the insured premises encroaches upon the property PR Enter direction North South etc of encroachment ST1 2 and adjoining by PR Enter number of feet of encroachment IN1 3 feet ENVIRONMENTAL General Environmental Lien Environmental lien filed by PR Enter name of entity filing the environmental lien ST1 1 against PR Enter name of entity that environmental lien was filed against ST1 2 on PR Enter date that environmental lien was filed DT2 3 as Document No PR Enter environmental document number ST1 4 in the office of the Recorder of PR Enter County where environmental
232. d be disclosed by an inspection of the premises 4 United States of America by reason of Schedule B II Exception No PR Enter Schedule B II exception number IN1 7 NOTE Compliance should be had with the provisions of 28 U S C and in connection therewith the following information is furnished The Notice of tax lien noted at Schedule B II Exception No PR Insert Schedule B II exception number IN1 8 was filed by the District Director of Internal Revenue at PR Insert County where tax lien was filed ST1 9 Wisconsin against PR Insert name of mortgagor ST1 10 in the office of the Register of Deeds of PR Insert name of County ST1 11 County Wisconsin on PR Date of lien filing DT2 12 as Document No PR Insert Document No of lien ST1 13 NOTE Attention is directed to the provisions in Section 2410 of the Federal Judicial Code requiring that any action to foreclose a mortgage naming the United States as a party under the Section must seek a judicial sale In the event a sale 1s not sought in the contemplated proceeding such proceeding will not affect the rights of the United States noted at Schedule B II and the United States should not be made party thereto In addition further exceptions will be raised for the consequences of liens 1f any in favor of the United States that appear of record after the date of this commitment 5 Second mortgagees judgment lienors etc by reason of Schedule B IT Exception No
233. d converts the old files to the new system g On Hold This status is used for orders that are waiting on certain tasks to be completed Escrow Bank The bank account in which the escrow funds are kept An ID number is assigned to each account and displays in the drop down list field when an order is initially created Place of Closing This information will default to the member s office If ATG is conducting the closing the Closing Services Department can update the place of closing Search Provider Select the Search Provider from the Agent Vendor List by any of the following methods NOTE For detailed information about using the Agent Vendor List see the Agent Vender section in this manual a Press lt Ctrl gt lt L gt to search or add a new name to the list b Right click and select Lookup Agent to search or add a new name to the list C Enter an ID Number or partial Name and press lt Tab gt ATG REsource User Manual ATG 5 15 ATG RESOURCE User Manual ATG 5 15 When you click either field the two fields change to a single field where you can enter a valid ID Number or the first few letters of a Name so that the field populates with the matching name in the database or offers suggestions if there are several matches Order Category a Service a Title Services This designation is for those members participating in either the Title Services Support or the Title Services Complet
234. d described in Schedule A to comply with the applicable doing business laws of the State of Wisconsin Foreign Dissolved Wisconsin PR Enter name of dissolved foreign corporation ST1 1 a corporation of PR Enter state where dissolved foreign corporation was formed ST1 2 was dissolved by PR Who i e members stockholders State dissolved the foreign corporation ST1 3 on PR Enter date of foreign corporate dissolution DT2 4 We note the following with respect thereto and this Commitment is subject to the following exceptions 1 Rights of the creditors of said corporation including the United States of America 2 Statutory conditions and limitations if any imposed by the laws of the State of RP 2 upon conveyances by the successors in title to the real estate of said corporation 3 Franchise tax in favor of the State of Wisconsin against RP 1 a corporation of RP 2 We should be furnished a duly certified list of all of the successors in title to the real estate of said corporation and this Commitment is subject to such further exceptions if any as may then be deemed necessary Foreign Not for Profit Wisconsin A certified copy of the charter and amendments thereto if any and of the bylaws of the corporation in title should be furnished and this Commitment is subject to such further exceptions if any as may then be deemed necessary Upon a conveyance or mortgage of the land a certified cop
235. d payable Permanent Index No DB Property TaxID NO REAL TITLE Easements Covenants Utilities Subject to all Easements Conditions and Restrictions of Record Terms provisions covenants conditions and restrictions easements charges assessments and liens provided in the Covenants Conditions and Restrictions Indenture if any attached to the Plat and made a part thereof but omitting any Covenant Condition or Restriction if any based on race color religion sex handicap familial status or national origin unless and only to the extent that the Covenant Condition or Restriction a 1s exempt under Title 42 of the United States Code or b relates to ATG RESsourRce User Manual Page 14 61 ATG 5 15 handicap but does not discriminate against handicapped persons which does not contain a reversionary or forfeiture clause REFINANCE SELECT SERVICE Real Estate Taxes Cook Note Tax Payments should be made payable to Cook County Collector 118 North Clark Street Room 112 Chicago Illinois 60602 Phone 312 443 5100 Real Estate Taxes DuPage Note Tax Payments should be made payable to DuPage County Collector 421 North County Farm Road P O Box 787 Wheaton Illinois 60189 Phone 630 682 7001 Due 6 1 amp 9 1 Real Estate Taxes Lake Note Tax Payments should be made payable to Lake County Collector 18 North County Street Waukegan Illinois 60085 Phone 847 360 6363 Due 6 1 amp 9 1 Real Estate Taxes
236. decedent s estate with the power to convey decedent s real property Requirement Lien Judgment Recorded Transcript Certified copy Memorandum of judgment recorded on PR Insert date judgment was recorded here DT2 1 as Document No PR Insert Document number here ST1 2 for judgment rendered on PR Insert date of judgment here DT2 5 in the PR Insert name of court circuit appellate etc here ST1 6 Court of PR Insert name of County here ST1 7 County in favor of PR Insert name s of winning person s here ST1 8 against PR Insert name s of losing person s here ST1 9 in the amount of PR Insert amount of judgment here in dollars and cents CU1 103 Exception Mortgage Existing Mortgage dated PR Enter Date of Mortgage DT2 1 and recorded PR Enter date mortgage was recorded DT2 2 as Document No PR Enter Document No of mortgage ST1 3 executed by PR Enter name s of Mortgagor s ST1 4 and given to PR Enter Name of mortgagee ST1 5 to secure a note in the amount of PR Enter amount of mortgage CU1 6 and such other sums as provided therein Exception Mortgage Schedule B Part IT SCHEDULE B PART II In addition to the matters set forth in Part I of this schedule the title to the estate or interest described or referred to in Schedule A is subject to the following matters but ATG insures that such matters are subordinate to the lien or charge of the mortgage upon said
237. deed restrictions were recorded DT2 3 as Document No PR Document No of deed restricitons ST 1 4 Name Search At the request of the applicant we have made a search for judgments liens and other matters against the following named persons and find none at this date which would adversely affect title to the premises in question unless shown elsewhere herein Condominium PUD Homeowners Association We must be furnished a letter from the PR Name of Condo PUD association ST1 1 Homeowner s Association reciting that there are no outstanding balances nor liens by reason of the non payment of special and annual assessments Said letter must include both annual and special assessments through the month of closing Letters not containing that language will not be acceptable to waive the aforesaid exception Notice Provisions detailed in a Notice dated PR Date of notice DT2 1 and recorded PR Date notice wasrecorded DT2 2 as Document No PR Document No of Notice ST1 3 Real Estate Taxes Ogle Taxes for the year PR Year of taxes NOT paid ST1 1 and thereafter First installment of PR Year of Ist installment IN1 8 taxes in the amount of PR amount of Ist installment CU1 3 is PR Current status of Ist installment of taxes PAID etc ST1 4 and due 6 04 10 Second inst of PR Year of 2nd installment IN1 8 taxes in the amount of PR amount of 2ndinstallment CU1 6 is PR Current status of 2nd in
238. des Funds at at Settlement i Setl t to Baird amp Warner emenen to AAA Realty Group Inc ATG REsource User Manual ATG 5 15 a Override the sale price on which the commission 1s based on Line 700 by typing over the amount Clear the commission information by clicking the Clear Commission Price Override button 2 or pressing lt Ctrl gt lt O gt b A change in the sale amount is indicated by a change in color on Line 700 Ce Line 700 Total Sales Broker s Commission based on 1 The sale price reflects the amount on this line in Order Entry 11 If the commission is based on a different amount this figure can be overridden by typing over the amount Commission can also be assigned to the Realtor on Line 700 The total commission is also displayed 3 Section 800 Items Payable in Connection with Loan a For all items in Section 800 the payee defaults to the first lender It is not necessary to enter a payee in the Payee column unless you want to change it to a different payee NOTE If necessary click the Expand All button A in this section to more easily use the Clear Override button 2 b Lines 801 and 802 l Overrides 1 Override information in Lines 801 and 802 by typing over the amounts 2 Clear overridden information by clicking the Clear Override button a or pressing lt Ctrl gt lt O gt 3 Information in these lines is only considered overridden if you enter a percentage and an amount causi
239. dialog in Section 1100 lt Ctl gt lt Alt gt lt P gt POC Information screen in Section 1200 which allows for POC on 1201 1202 and 1203 line items VI RESPA DIRECTIVES A RESPA Directive for Items being Paid by Seller that was Included on the GFE l If a seller pays for a charge that was included on the GFE the charge should be listed in the borrower s column on page 2 of the HUD 1 2 The charge is then offset on page 1 of the HUD 1 in the 204 209 506 509 sections with a debit credit line item 3 If someone other than the seller is paying a charge that was included on the GFE that too is shown in the borrower s column with an offsetting credit on page 1 RESPA Directive Concerning Yield Spread Broker Fees Indirect payments from a lender to a mortgage broker may not be disclosed as POC and must be included as a credit on Line 802 RESPA Directive for Line 902 If a lump sum mortgage insurance premium paid as settlement is included on Line 902 a note should indicate that the premium is for the life of the loan RESPA Directive for Loan Terms The lender must provide this information in a format that permits the settlement agent to simply enter the necessary information in the appropriate spaces without the settlement agent having to refer to the loan documents themselves VII SPEED HUD SETTLEMENT STATEMENT OVERVIEW A Page 7 26 The Speed HUD Settlement Statement is only used for cash or commercia
240. ding water bills to be paid prior to closing Naperville The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the CITY OF NAPERVILLE As of the date of this commitment Naperville tax rate is 3 00 per 1 000 00 payable by the Buyer before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form NOTE If property is exempt from stamps a 25 00 exemption fee is required ATG REsource User Manual Page 14 41 ATG 5 15 Niles The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF NILES As of the date of this commitment Niles tax rate is 3 00 per 1 000 00 payable by the Buyer before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form The village of Niles also requires a Certificate of Occupancy prior to closing NOTE If property is exempt from stamps a 25 00 exemption fee is required Oak Park The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF OAK PARK As of the
241. document number ST 1 6 Statutory Powers Wisconsin Statutory rights powers and duties of the Trustee in Bankruptcy in the bankruptcy proceeding filed by PR Enter name s of person filing bankruptcy ST1 1 on PR Enter date of bankruptcy filing DT2 2 in the Federal District Court for the PR Enter name 1 e Western of bankruptcy court ST1 3 District of Wisconsin in Case No PR Enter case number of bankruptcy ST1 4 notice of which was recorded on PR Enter date of recording of bankruptcy notice DT2 5 as Document No PR Enter recorded document number ST 1 6 CHAMPAIGN Urbana Sewer Benefit Tax This property is subject to assessment by the City of Urbana with respect to the Sewer Benefit Tax Non payment may create a lien against the real estate Note There is presently no outstanding lien of record on the property Champaign Sanitary Sewer This property is subject to assessment by the City of Champaign for a Sanitary Sewer Fee Non payment may create a lien against the real estate ATG REsource User Manual Page 14 5 ATG 5 15 Note There is presently no outstanding lien of record on the property Urbana amp Champaign Sanitary District This property is part of the Urbana amp Champaign Sanitary District and as such is subject to assessment therein and the user charge Nonpayment may create a lien against the real estate Note There is presently no outstanding lien of record on the pro
242. e Select the Deed Type by selecting the appropriate check box 2 Deed Date Select the Month from the drop down list and enter the Year Property Type l Current Use Select the Current Use by selecting the appropriate check box A Intended Use Select the Intended Use by selecting the appropriate check box Changes to the Property Select Changes to the Property if any and enter Date of Change Transaction Information Select relevant Transaction Information if any Miscellaneous Select Miscellaneous items if any Transfer Taxes The consideration purchase price if entered in the Order Entry tab will populate the Consideration field and calculate the amount of the State and County Tax The consideration may also be manually entered in this field Exemption Information If the transaction is exempt from tax click the appropriate Exemption checkbox Homestead Exemptions Enter relevant Homestead Exemptions if any Seller Forwarding Address Enter the Forwarding Address of the Seller Print County Tax Form Save Saves the current information Close amp Print Saves the current information closes the form opens the Print Document menu and pre selects the PTAX document Cancel Abandons any manual entries and closes the form ATG REsource User Manual ATG 5 15 le PTAX 203 A In addition to the PTAX 203 form the PTAX 203 A will automatically print for non residential property with a value above
243. e Agent Categor E Lender Page 3 6 ATG REsource User Manual ATG 5 15 d Click the Choose Agent Parent button for the Parent Agent to associate with the Child Agent and search Parent Agents will appear in yellow in the Agent Lookup General Info LA H Ex Ee Es Pal Ie SRD SES T Al al Contact Agent A Cendent Mortgage 1447656 E l at lt No image lili Select 132411 Cendant Mortgage Cor PayoFF Location ik State Zi oun Palatine fi kai Phone Fax Agent Categor Lender e Click the Show Contacts button to view all Agents associated with the Parent agent Cendan Mortgage Corporation Mount Laurel 6000 Atrium Vay Springfield Chris Berg PO Box 5954 Centinal Mortgage Central ederal Savings and Loan Corporation Cicero 5953 W Cermack road E Search By 1885 Record s F Name City Refresh New Agent Show All ster Lender y Reg Reg 081 0 Show Contacts V4 OK x Canc G Additional Agent Vendor Features Fig Agent Yendor List Hame IDfum new Agent 1447656 Insert New Agent Adds a new agent Locate Agent Lookup by agent name Ep Delete Current Agent Deletes unused agents only 5 Lookup Agent by Number Lookup by Agent ID Number Archive Agent Archive un achieve agents Copy and Archive Agent Makes a copy of an agent and then archives the agent f3 Display Agent Change Log Lists changes to the agent oe Recover Deleted
244. e Check Browser screen use one of the following methods l 2 3 Click the Check Browser button Select Tools gt Check Browser or Press lt Alt gt lt T gt then lt C gt ATG REsource User Manual ATG 5 15 a Check Browser Voided Status al Checks File Clearance Status al Checks Humber to At Bank 897 RECONTEST Bank Amount to Date to FF Apply a Payee 2 2013 1 669 00 Test A Member ET 02607 1 0206 201 3 155 00 ATG Fees and Transters 130900102607 3 02 06 2013 88 00 Recorder of Deeds 1309001 02607 4 0206 2013 420 00 Home Warrants of America 130900102607 Wire 02 06 2013 42 446 89 Wells Fargo 130900102607 5 02 06 2013 2 500 00 ReMax Properties 130900102607 G 02 06 2013 3 000 00 Johnson Agency 130900102607 H 02 06 2013 1 140 00 Farm Bureau Insurance of Indiana 130900102607 E 02062013 630 00 Equitas 4 Edit Selected Check E3 Date FF Yord Unvoid Fa Recon Cc Payee el Bank x Delete Kel E dit GC To search for a group of checks select any or all of the criteria below For any field you leave blank the search is unrestricted for that criterion OPTION DESCRIPTION Voided Status From the Voided Status drop down select one of the following Voided Checks Only Non voided Checks Only or All Checks Clearance From the Clearance Status drop down select one of the following Cleared Checks Status Only Un cleared Checks Only or All Checks Bank
245. e De ad eee 6 1 PRIN TING A RESOURCE DOCUMENTS ne a ma A annees ee nee aa Leone cet e ant des e ane eee dense node 6 3 ee ES OR a rts a ee ete seee se eta dc isteach ete ese ecmeeenice 6 4 Sn OT NT LOCALLY ee D a eee 6 4 PRO LE tes wesc ate ces tc eto asso becuse assis E bt secession 6 5 EO OY ierre EE EEEE 6 6 TO MW ecco eens ee Aei EEEa EENE 6 6 PEATDOCUMENTS ET a ea 2 ia een dt disc 6 6 BUD SET PLEPIENF SR EME ES at anima 7 1 PAF PE I A 7 1 TOCHANGE THE acess cess eects E E EDA 7 1 IV OKCETFOR TITLE CTAROP S ao E E E eee ee ee ee 7 2 PE EO TI 6 ee ee ee ee ee ae me ne eee eee ee oe 7 2 HUD SETTLEMENT STATEMENT SCREEN co cicabcscccucasstcscemcesesacetee cucahstasoucsiges decane Dance ec ene le euoeie anne penses cuca shasoucaseGascansenues 7 2 FE 2 ae DB PAIE al AVE 2 ee ee ae ee eT er ee ee ae eee eee nl ee me ee ae ae en ee eee ae ee een een 7 26 SPEED HUD SETTLEMENT STATEMENT OVERVIEW cccscoscscoccsceccscecescecescscescscassscescscesescesescesescssescssessssascscesescesescesescesecs 7 26 SPEED HUD SETTLEMENT STATEMENT SCREEN seccccsicacsccccscnscazcvedncecessoecceeaansrceesneacencaasncadenoeestadeannseedebeaenencuessoncesgessedeconceesa 7 27 RU TOI O ARE CCE pees ee TE een ne Nn ee ep wee ROS NE ey ENE Tm eee nes Nyy eRe mee ees eee eee eee eee 7 40 ATG REsource User Manual Page i ATG 5 15 LENDER BREAKDOWN REPORT annenin aA EA EEA aAA faces cie noie asnude te tee Jesus cine dette 7 42 10995 REAL ESTATE OR ee eee E eee ene E
246. e HUD Access the Agent Vendor List To access an agent from the Agent Vendor list use any of the following options l With the cursor in the data field press lt Ctrl gt lt L gt to display the Select Agent dialog and search for an existing record or enter a new agent or With the cursor in the data field right click and select Lookup Agent to display the Select Agent dialog or Enter the first few letters of the name for an existing record If there is just one match the program will enter the ID and name If there is more than one match it will display the matching entries so you can select one If there are no matches it will display the Select Agent dialog with the closest match You can select from this list or click New Agent to enter a new record or Enter the Agent Vendor ID Number for an existing record Page 3 3 C Searching for an Agent l To Select an Agent from the Agent Vendor list enter the Agent Vendor s name in the Search Characters field Closest matches will display Highlight the desired Agent and click OK Select Agent H Search Characters rem Fred Sosinski Key kf Search Characters Rick Levin amp Associates Inc River Park Realty Ros Real Estate Munster 8231 Hohman Ave Ste 200 IN 46324 Ruth s Key Realty Stars Realtors Stone Creek Realty Strano amp Associates Troy 527 Troy Plaza IL 62294 il Sussex amp Reilly The Brokers Real Estate Ch
247. e Pre Disbursement Balance must match the Scheduled Disbursements in order to balance When this occurs this area displays in a light shade of green If these amounts are out of balance this area displays in turquoise and the amount will display in Anticipated Dep Balance If the file is in balance and all Deposits have been dated and posted this area will display in yellow NOTE Checks can be written against anticipated deposits before the account is in balance as long as there is enough money deposited for this file to cover them However use this option with caution because it can cause serious accounting problems F Status El Bank 50 RATEST Bank Deposits a Receipt ta gt m1 mm Delete InvAcct K W Description Amount Descrintion Payor Amount Loan Amount 200 000 00 Loan Amount ABC Bank 200 000 00 Funds from Buyer Bart J Buyer 104 218 00 Payor ABC Bank Deposit Date Transaction ID Type of Funds EA 1009001018071 Expected Wire Reference Number In Balance Receipts 0 00 Schedule Disbursements 304 218 00 Anticipated Dep Balance 304 218 00 0 00 Actual Disbursements 0 00 Pre Disbursements Balance 304 218 00 Account Balance 0 00 Some of the options in the Check Writing window may be restricted by security settings Options that may be restricted include l the number of days the checks and deposits can be predated and
248. e State of Wisconsin Requirement Domestic Corporation Dissolved Authority Furnish ATG with a certified copy of the Articles of Dissolution that were issued by the incorporators or board of directors authorizing the execution of a deed to sell the corporation s real property or furnish ATG with a certified list of all the successors in title to the real estate of said corporation and this commitment is subject to such further exceptions if any as may then be deemed necessary Exception Domestic L L C Dissolved PR Enter name of LLC ST1 1 a Limited Liability Company was dissolved by PR Enter name of entity that dissolved this LLC ST1 2 on PR Enter date this LLC was dissolved DT2 3 We note the following with respect thereto and this Commitment is subject to the following exceptions 1 Rights of the creditors of said LLC including the United States of America 2 Right title and interest of the members of said LLC and those claiming under them 3 Any delinquent income or franchise taxes that may be due and payable to the State of Wisconsin Requirement B1 Deed and Mortgage a WARRANTY DEED from DB SellerInfo FormalName NO to DB BuyerInfo FormalName NO Note The proposed instrument of conveyance should designate the subject property as non homestead identify the grantor mortgagor as a single person or be joined in by the grantor s mortgagor s spouse and have their marital status typed thereon
249. e United States that appear of record after the date of this Commitment NOTE If it is known that any of the parties listed herein are deceased their heirs or devisees should be made parties by name if known and if unknown by the name and description of UNKNOW NHEIRS OR DEVISEES OF such deceased person or persons If it is not known or cannot be ascertained whether any of said necessary parties be living or dead then such parties should be made parties by name and such persons as would be their heirs or devisees should also be made parties to the proceeding as UNKNOWN OWNERS In this connection we direct your attention to Section 2 413 of the Code of Civil Procedure NOTE In the event that there are any persons who are necessary parties to the contemplated proceeding but the names of such persons are unknown and unascertainable then and in that event only such persons should be made parties under the description of UNKNOWN OWNERS unless the contrary is herein indicated NOTE The proceeding will not affect the standard exceptions nor the exceptions noted in Schedule B at Nos and our policy when issued will be subject to such exceptions unless satisfactory disposition thereof is otherwise made FORGERY Forgery Right title and interest of PR grantor of deed recorded ST 1 1 purported grantor in the deed recorded PR date of recording ST1 2 as Document Number PR document number ST1 3 m NOTE Th
250. e desired file and then click OK 4 OK The selected file number displays in the File field IV SEARCH FOR A FILE BY LEGAL DESCRIPTION OR ADDRESS ATG 5 15 A This option allows you to search for a file by property information including the Legal Description Address City or Survey Number acreage To access the property search use one of these methods l Click the Search for File by Legal Description button v on the toolbar 2 Select the Locate File by Prop option on the File menu 3 Press lt Alt gt lt F gt then lt O gt Select Property Search Characters LegalDescriptio METAMORA 050006430715 108830 203 63 THORNRIDGE WHEELING 040176190043 54751 0 1107 MO0DB Waukzgan 020299930036 4450 97 1107 1111 Gre Rack slard 050208120256 90112 161 Rack slard IL See erst oan terete Garden Prairie 040121530213 56526 0 11070 Wicods c 121108 13th Street ast Moline 0602921 1049 ER Seay 1108 16th Avenue Rack slard 050209710564 214525 0 1108 2nd Avenue 50 Cardcva 040209730120 40133 0 1108 2nd Ave 1108 12th 4veque Crion 050288810166 158710 0 Orion IL 61272 1108 12th 4veque Crion 0502588201 69 158716 0 Crion I 51277 1108 13th Strezt East Moline 040020830049 63856 161123 3 12 1108 15T STREET LASALLE 050139730642 2229 2 99146 6 Search By Search By City ess Number Acreage B Properties are listed by Legal Description but you can use the Search By drop down list at the bottom of the scr
251. e g Owner Sched B Taxes for the year 20 7 nd thereafter First installment 20 in the amount of 1 000 00 is Paid Clear and Pull Commitment for pee nee bene Ch eye Both Owner and Mortgagee Permanent Index No a Terms provisions covenants conditions and options contained in and rights and easements established by the recorded September 1 1987 as Document Ho 6 7 11111 as amended from time to time Owner Sched B Mortg Sched B ms nt Ey the Dinos Condominium Property Act Owner Pa E Wortg Sched Bll Insured Marta Title Vested In G To start over use the Clear and Pull Commitment for Both Owner and Mortgagee button IE This will delete all exceptions entered in both the Owner Sched B and Mortgagee Sched B tabs and import the exceptions from the commitment again NOTE Any new exceptions should be added after the original exceptions have been imported from the commitment ATG REsource User Manual Page 10 3 ATG 5 15 II SCHEDULE B PART H The Mortg Sched B II sub tab is used only if there is a second subordinate mortgage to insure or to reflect other matters over which the lien of the insured mortgage has priority A Select the Mortg Sched B II sub tab The Mortgage Schedule B Part II text area will display Fi Commitment Policy Binder S E amp Cmt Sched A SchedB Policy Policy Options Owner Policy Number 100300101807 01 S Za Date 6 4 2010 Time aj eme Mortgagee Policy Numbe
252. e number followed by A Do not use the Calculate Next Number button unless this is a new file b Click the Order Entry button 1 or the Data Entry menu to access Order Entry ff Order Entry olx Main Buyer Seller Loan Property Status Escrow Bank 50 y ROTEST Ba Service C Owner Simultaneous 2 fi loser 99005 Place of Closing 3001 Test Region C Title Guar Const Loan Use Tem pl ate earch Prov 15387 ATG Fess and Tr Order Category C Mortgagee Other Prior Policy Prior Policy Amount Prior Policy Date Prior Policy Code Plant Search Order Pre 7 1 06 A Use Template OMC Non REsource Critical Dates File Opened Commitment Due Closing Date 22010 g 69200 g paza EA Confirm Date Need SRCH By Closing Time fl pezo A Member Member File 9001 Test R Member 1 Note Sales Price 3 000 000 00 Jein E 0 a g This property is in Cook County Illinois which is the area covered by the Anti Predatory Lending Database Pro E ATG REsource User Manual Page 3 13 ATG 5 15 Page 3 14 C From the Order Entry gt Main tab click the Use Template button Use Template d Click OK on the confirmation prompts that indicate the selected template will override any data entered in the Order Entry tabs e The Select Template screen opens Select Template Search Characters 4030010100002 Template
253. e proceeding should show the legal description and where applicable the permanent real estate index number e Notice should be served on the persons set forth below in accordance with the Property Tax Code in the manner and within the time specified therein NOTE In the event that there are any persons who should be served with notices but the names of such persons are unknown and unascertainable then in that event only such persons should be served with notice under the description of Unknown owners or parties interested in said land or lots 1 Any person other than those herein named known to the certificate holder or his or her attorney who may have or claim to have some interest in the land 2 Unknown owners or parties interested in the land generally 3 The County Clerk of RP 4 County Wisconsin 4 All persons in occupancy or actual possession of said land which persons must be served personally 5 PR Enter name s of person holding Certificate of Sale ST1 5 Certificate of Sale holder as party plaintiff 6 PR Enter name s of owners of record successors etc ST1 6 owner s of record contract purchaser s etc or successors in interest as party ies defendant 7 PR Enter name s of mortgagees creditors lienholders etc ST1 7 mortgagees judgment creditors lienholders etc by reason of Exception No s 8 The United States of America by reason of Exception No NOTE Compl
254. e programs Search Only This designation is for those members who prepare commitments and policies themselves and ATG conducts the search Regional This designation is for those members associated with a regional company Commercial This designation is for those members who prepare commitments and policies themselves for a commercial transaction Select Services Commercial This designation 1s for those members participating in either the Title Services Support or the Title Services Complete programs for a commercial transaction HUD Only This designation is for those members who are only preparing the HUD and not writing title Traditional This designation is for those members who obtain and review search determine insurability prepare commitment conduct closing handle payoffs record documents conduct Later Date search and type and deliver final policies Owner Cash transaction Mortgagee Refinance transaction Simultaneous Buy Sell where both an Owner s Policy and Loan Policy will be issued This is set by default Const Loan Construction loan Other Letter Report only no title issued Page 3 11 Page 3 12 10 11 12 Prior Policy Information If a prior policy is available the following fields must be completed a Plant Prior Policy Number Enter the number of the prior policy Prior Policy Amount Enter the Amount of Coverage from the prior pol
255. ed 48 00 Mortgage 78 00 Releases 0 00 RL to ATG Fees and Transfers 1202 County tax stamps Deed 50 00 Mortgage 0 00 to ATG Fees and Transfers 000 50 00 1203 State tax stamps Deed 100 00 Mortaage 0 00 to ATG Fees and Transfers 0 00 100 00 1204 Chicago tax stamps to ATG Fees and Tr 1205 Recording Fee Assignment to ATG Fees and Tr 800 000 1206 Release Status Ventication Cert of Rel to ATG Fees and Tr 00 48 00 1207 State Regulator Fee to ATG Fees and Tr w 3 00 l Override the information in Lines 1201 1202 and 1203 by clicking the Override This e Line button a or by pressing lt Ctrl gt lt O gt and typing over the existing information To clear overridden information click the Clear Override for This Line button a or by pressing lt Ctrl gt lt O gt NOTE The cursor must be in the line you want to override or clear before using these buttons An override is indicated by a change of color in the line item description ATG RESouRCE User Manual Page 7 39 ATG 5 15 Lines 1202 1203 and 1204 are automatically calculated and inserted in the Borrower and Seller columns based upon the County City and State in the Property screen POC Information a Click the POC button fs fa HUD Section 1200 POCs el Enter section 1200 POC information below Line Description POL 1201 Recording Fee Mortgage 0 00 1202 County tas stamps 150 00 5 1203 Sta
256. een to select Address City or Number Acreage as your search criteria C Begin entering the Legal Description or the selected Search By information in the Search Characters field As you enter files matching your search criteria will display D Select the desired file and then click OK vA OK The selected file number displays in the File field ATG REsource User Manual Page 2 3 V VI Page 2 4 SEARCH FOR A FILE BY BUYER SELLER NAME This option allows you to search for a file by Buyer or Seller name To access the Search for Buyer Seller screen use one of these methods l Click the Search for File by Buyer Seller button amp 2 Select the Locate File by Buyer Seller option on the File menu 3 Press lt Alt gt lt F gt then lt B gt bd RE 39 66 77 28 39 Remote Desktop 181 xi E A Y ah FleNumfaswooms e Fi ru E anes coy Joue ze category Z 1001 Kenwoo d Drive Champaign IL 61821 Seller Joe and Jane Seller Seller John Seller John Seller John 123 Main St Champaign IL Seller John and Jane Seller husband and wife 444 Oak Lombard IL 69900 Seller John and Mary Seller 321 Hickory Rd Anytown IL 61820 Seller Larry 1234 Main Street Geneva IL 60134 Seller Mary 123 main st Urbana IL Seller Ralph and Rita Seller Chicago Seller Sal and Sally Seller Seller Sally Seller Sally Seller Sally Seller Sally and Sam Seller 300 Eastwood Mount P
257. eginning balance plus all deposits in transit minus all outstanding checks NOTE You must finalize the Bank Reconciliation for the selected escrow account for a given month before you can run this report The Adjusted Reconciled Bank Balance which includes other receipts and other disbursement entries must match the Book Balance and the Escrow Trial Balance B To create a Reconciled Bank Balance l Click the Reconciled Bank Balance button a or select Reports gt Reconciled Bank Balance or press lt Alt gt lt R gt then lt R gt The Reconciled Book Balance screen opens a Book Balance Reconciled Bank Balance Select Bank End Date fs 12013 FA X Cancel 2 From the Select Bank drop down select the escrow bank NOTE The Select Bank drop down displays only region specific banks 1 e Region 1 users see only Region banks 3 Enter the End Date or click the Calendar button EA to select the date This should be the last day of the month you are currently reconciling 4 Click OK or Cancel to exit the Reconciled Bank Balance screen The Reconciled Book Balance report displays From there print the report by clicking the Print button or save the report by clicking the Save button To adjust the display size use the Zoom buttons ATG REsource User Manual Page 9 11 ATG 5 15 IX THREE WAY SUMMARY The Three Way Summary provides a summary of the components of the Three Way Balance The T
258. ehold Changing the Interest in Land field will change the language of the commitment and or policies Do not use the text area of the More Int In Land sub tab FR Commitment Policy Binder Commitment Policy Logging l Emt Sched A Sched B Policy Policy Options Effective Date Effective Time lesue Date lgsue Time 23200 FA B B C amt si FA f i Fami pr el r Owner Policy Proposed Insure Mortgagee Folic Amount 200 000 00 A t 300 000 00 Paes MF Insured Suppress Names TE MF Suppress Names Text Only MES MF Borrower Suppress Names Commitment fi 00900101 736 Interest In Land Fee Simpe y T ES B Legal Desc CP LCER Lot 1 in block 2 in Lake Co Illinois Interest In Land Owner Insured Mortg Insured Mortg Borrower Current Title Holders Legal Desc H Two Mortgages on the Commitment Schedule A l Go to Order Entry and select the Loan tab Under 2 Loan Information enter the Loan Amount and Lender name and close Order Entry 2 Open the Commitment Policy and select the 2 Mortg Insured tab FA Commitment Policy Binder Es El T Cmt Sched A Sched B Policy Policy Options Effective Date Effective Time lesue Date lesue Time 232010 F4 a 2 m ER E E C amt prn 4 Owner Policy Proposed Insure Mortaagee Folic Amount 300 000 00 eal al or ven I W Insured Suppress Names MF Suppress Names Test Only ES Commitment Poli
259. eited taxes CU1 3 not paid and forfeited on PR Enter the date when the taxes were forfeited DT1 4 ATG REsource User Manual Page 14 57 ATG 5 15 Sanitary Sewer District tax The land lies within the boundaries of the PR Sanitary Sewer Enter the name of the SanitaryDistrict ST1 1 Sanitary District and is subject to taxes thereunder Sold PR Enter which installment First or Second etc were sold ST1 1 installment PR Enter the year Y YYY of the tax sold IN1 2 taxes of PR Enter the amount of the taxes sold CU1 3 not paid and sold on PR Enter the date the taxes were sold DT2 4 to PR Enter the name s of the tax purchaser ST1 5 at PR Enter the amount of interest the taxes sold for IN1 6 Special Assessments Special Service Area The land is located in Special Service Area Number PR Enter number assigned to Special ServiceArea ST1 1 of the City of PR Enter name of municipality ST1 2 and is subject to levy and assessment therefor as part of the general real estate tax bill Tax Deed Tax Deed Proceedings With respect to the PR Enter annual forfeiture or scavenger ST1 1 tax sale of the land on PR Enter date of tax sale DT2 2 to PR Enter name s of person entity purchasing taxes ST1 3 by virtue of the non payment of the general real estate taxes for the non payment of the forfeited general taxes for the year for the delinquent taxes for the years to
260. ement to Le 1104 Condo Endorsement to a 1105 Location 1 Endorsement to Test R Member 135 00 0 00 1106 Buyer s Attomey fees to J B Attorney 1107 Seller s Attomey fees to Test R Member 400 00 includes above line numbers 1106 Title Charges includes above line numbers to Test R Member nee eee eee RAS a i i i 320 00 ee ee BS 395 00 eee ee ee eee ee a a a et ena E ang mo 1109 Lender s coverage 90 000 00 320 00 PS nes 1110 Owner s coverage 100 000 00 895 00 OL EEL 1111 Gap Fisk Update to Test R Member 75 00 1112 Restrictions Encroach amp Min ALTA 9 to Test R Member 135 00 0 00 1113 Mort Compliance Cert Cook Only to ATG Fees and Transters 5000 0 00 a After completing the ATG Edit Services screen Section 1100 will auto fill the Amounts and Payees It is critical that all services and any revisions are entered in ATG Edit Services not only for HUD items but also for creation of appropriate checks b Lines 1106 and 1107 Buyer and Seller Attorney information is populated from the Buyer and Seller tabs in Order Entry A separate disbursement to the member is created NOTE Lines 1109 and 1110 are for information only they are not rolled into the HUD totals K Section 1200 Government Recording and Transfer Charges ee ee ee ee ee ee ee E e E eee oe eo ere ee ee ee 1200 Government Recording and Transfer Charges El El lo 1201 Recording Fee De
261. en be deemed necessary Deed of Conveyance PR Enter type of Deed Warranty Quitclaim etc ST1 6 Deed dated PR Enter date ofDeed DT2 1 and recorded PR Enter date the Deed was recorded DT2 2 as Document No PR Enter recorded Document number ST1 5 executed by PR Enter name s of person granting the Deed ST1 6 and given to PR Enter the name s of the person receiving the Deed ST1 7 Deregistration Certificate of Deregistration dated PR What was the date of the certificate of deregistration DT2 1 and recorded PR What is the date the certificate of deregistration was recorded DT2 2 as Document No PR What is the document number of the deregistration certificate ST1 3 with Code of PR Insert code of certificate of deregistration ST1 4 Disabled Adult Case Proceedings pending in the Circuit Court of PR Enter name of County ST1 1 County entitled Estate of PR Enter name of disabled adult STI1 2 a disabled adult under Case No PR Enter Case number ST1 3 Dissolution of Marriage Case Dissolution of marriage proceedings filed by PR Insert name of Plaintiff here ST1 1 against PR Insert name of Defendant here ST1 2 in the Circuit Court of PR Insert name of County here ST1 3 County as Case No PR Insert Case number here ST1 4 Easement Easement for PR Enter the purpose of the easement ST1 1 as set forth in PR Describe the document creatin
262. en displays In the Enter a New File Number field enter the original file number followed by A EXAMPLE Original file number 100900101481 New duplicate file 100900101481 A ATG REsource User Manual ATG 5 15 5 Select the Region member number 6 Click OK The new file number displays in the File field File 00900041A fioosoora46t 4 and Order Entry opens Enter a Hew File Humber B Copy Existing File f 009001 01481 4 Calculate Next Number Select Type of Order jo Mone specified at this time Region fo Branch none Tithe Unit Escrow Unit ammitment Policy TX i ALTA x Cancel B Using a Template for Order Entry The Use Template feature copies Order Entry data from an existing file There is also a Use Template feature to copy Commitment and Policy data from an existing file or from a template file Fis Order Entry Main Buyer Seller Loan Property Use Template Status New NOTE It is recommended that you use the Template feature prior to adding data to the new file Two confirmation messages will display upon selecting Use Template indicating that any data already entered for the new file in Order Entry will be deleted and replaced with the data from the file selected as the template l Click the Order Entry button or click Data Entry on the menu bar to access Order Entry 2 From the Main tab in Order Entry click the Use Template
263. enefit of Unit PR Condo Legal Enter the condominium unit number ST1 2 as set forth in the Declaration of Condominium the Grantor reserves to itself its successors and assigns the rights and easements as set forth in the Declaration for the remaining land described therein Legal Description Unit Parcel 1 Unit PR Condo Legal Enter condominium unit number ST1 1 in the PR Condo Legal Enter the condominumname ST1 2 Condominium as depicted on the Plat of Survey of the following described real estate PR Condo Legal Enter base legal description ST2 3 which Plat of Survey is attached as Exhibit PR Condo Legal Enter the Exhibit letter or number of thePlat ST1 4 to the Declaration of Condominium Ownership recorded PR Condo Legal Enter date of recording of condo declaration DT2 5 in the Office of the Recorder of Deeds of PR Condo ATG RESOURCE User Manual Page 14 11 ATG 5 15 Legal Enter county of recorded declaration ST1 6 County DB Property State NO as Document Number PR Condo Legal Enter document number of declaration ST1 7 as amended from time to time together with its undivided percentage interest in the common elements in RP 6 County DB Property State NO New Condominium Furnish ATG with a certificate executed and acknowledged by the Secretary of the Board of Managers stating that there are no unpaid assessment liens arising by reason of the nonpayment of as
264. ent Title Holder text area displays Fa Commitment Policy Binder Commitment Policy Logging l Emt Sched 4 Sched B Policy Policy Options Effective Date Effective Tine lesue Date Issue Time pasan EME RENNES SEE Owner Policy Proposed Insured eae mount 200 000 00 aed een Insured Suppress Names INE Fal Stories Bemis IG Insert Buyer Borrower Suppress Hames Es Commitment 1009001 01 mem Interest In Land Fee Simple mellel w CESE E E Current Title Holders Betty Seller and Barney Sy Insert Seller Names Current Title Holders Owner Insured Mortg Insured Mort Borrower Current Title Holders Legal Desc More Int In Land To insert the Seller names click the Insert Seller Names button 3 To insert the Buyer name as the Current Title Holder used for refinance or second f mortgage transactions click the Insert Buyer Names button F Legal Description l Entering the Legal Description a Select the Legal Desc sub tab The Legal Description text area displays Fa Commitment Policy Binder Commitment Policy Logging Eal Al m Cmt Sched A Sched B Policy Policy Options Effective Date Effective Time lzeue Date lesue Time 2200 5 ss pra EA al a C amt pen 4 Mortaagee Folic Amount 200 000 00 Te W Insured Suppress Hames IE MF Borrower Suppress Hames IE Owner Policy Proposed Insure Amount 300 000 00 MF Suppress Names Text Only IE Commitment Fr 00300101 736 Interes
265. ent of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF RIVER GROVE As of the date of this commitment River Grove tax rate is 50 00 payable by the Seller before closing The Village of River Grove requires mandatory inspection and review of the original deed or document of transfer regarding property located within the Village In addition the Village of River Grove mandates that all title reports reflect the requirement of obtaining a transfer stamp on the original deed or document of transfer Section 5 of the ordinance states Any person firm or corporation convicted of participating in a sale or transfer of real estate in violation of this ordinance shall be fined not less than 500 00 for each offense Rolling Meadows The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the TOWN OF ROLLING MEADOWS As of the date of this commitment Rolling Meadows tax rate is 3 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form NOTE If property is exempt from stamps a 25 00 exemption fee is required Page 14 42 ATG REsource User Manual ATG 5 15 Romeoville The Recording of any Deed or other instrument of conve
266. entered Complete Closing increases the expected loan deposit by that dollar amount and creates a check in receipts and disbursements NOTE Y L B and S are only allowed when a dollar amount has been entered in the POC Amount column X is only allowed when a dollar amount is entered in the Paid from Borrower Seller Settlement Fund column 4 Section 900 Items Required by Lender to be Paid in Advance Enter the daily interest charge or a percentage and the Speed HUD will calculate the amount Use the Set Line 901 Override button a or press lt Ctrl gt lt O gt to override the read only information in the Paid From Borrower s Fund at Settlement column Click the Clear Line 901 Override button a or press lt Ctrl gt lt O gt to remove the overridden information in Line 901 a Line 901 Interest Enter the beginning and ending dates for interest using the Calendar button EE or entering the year in two digit format EH ET 900 Items Required by Lender To Be Paid in Advance AA 901 Intere 94742009 to 10 1 2009 au 33 33 day 999 90 Percent H of days overide to ABC Bank S02 Mortgage Ins Premium for 12 months to ABC Bank 121 00 903 Hazard Ins Premium for 1 years to State Farm POC B 600 00 b Lines 902 and 903 Mortgage and Hazard Insurance Premiums Premium amounts entered in these lines will transfer the monthly amount to Lines 1001 and 1002 5 Section 1000 Reserves Deposited
267. eposit click the Delete button L Delete Money can also be transferred to and from an interest bearing investment account ATG REsource User Manual ATG 5 15 HI CHECKS TAB A Complete Closing displays all the current checks on the Checks tab in a scrolling window on the right with the Payee Amount and when the check is printed the Check Number Date and Bank fields are completed To select a check to view and edit charge items either double click anywhere in the Payee field to highlight and select it or use the Navigation buttons st ai at the top of the window to move from one check to another fe Check Writing OI gt F Status 2 fj sl Bank 50 RQTEST B RE Del Line Payee Split ra gt gt tres Print Undo Void Delete Hold Undo an Stop ul Pay To ies Bo Amount E Number Date 1 258 50 Test R Member Check Date Status ATG Fees and Transfers 5 027 58 100 00 20 00 524364 6 28 2010 10 000 00 287 652 00 160 00 1101 Search No Prior 120 00 1101 EPL ALTA 6 1 150 00 22 1101 Gap Risk Update 70 00 110 1101 Gap Risk Update 200 00 110 1101 Mortgage Policy Premiu 120 75 57 1101 Mortgage Policy Premiu 345 00 57 1101 Owner Policy Premium 470 75 56 1 345 00 Betty Seller and Barne HAHCY GEORGOUSES 1101 Owner Policy Premium Select check and double click Payee to move to Disbursement list lef
268. er The Policy Numbers will also auto populate with the File Number followed by 01 Commitments and policy jackets are printed in REsource Pre printed serialized jackets are no longer used 4 Enter the Issue Date and Issue Time the date and time the Commitment will be issued Page 5 1 ATG RESouURCE User Manual ATG 5 15 Page 5 2 5 Following are several text editing options These options are available by selecting the buttons indicated or by right clicking in the text area FA Commitment Policy Binder Commitment Policy Logging fa Effective Date Effective Time lssue Date lssue Time 572972010 pe f E C amt FA S C amt pr Re Owner Policy Proposed Insured Mortaagee Polic Amount 200 000 00 A t 300 000 00 MN W Insured Suppress Names TE Borrower Suppress Names IE Build Document Prompt DOA Right click for Drop down Mortg Borrower Current Title Holders Legal Desc More Int In Land Dwner Insured Insert name from Order Entry Lookup Standard Expand Work Area Language Items Pull Field from Complete Closing Aby Spell Check Checks spelling in text area Lookup Standard Language Items Contains a library of Special Exceptions For a list of Standard Language see the Standard Language Section of this manual EA Pull Field from Complete Closing Copies exceptions and Legal Descriptions from other files See a detailed explanation of
269. er Information Sale Price Earnest Money and the Loan Amount fa Order Entry Ox Main Buyer Seller Loan Property Sales Price Earnest Money Loan Amount 300 000 00 1 000 00 200 000 00 Owner Policy Liability Override Mortgage Broker Loan Policy Liability Override SS a Loan Information Lender 155511 asc Bank S Loan Number Monthly P amp Mort Ins Case No Interest Rate 2nd Loan Information Loan Amount 0 Lender me s Loan Number ne Monthly P amp Mort Ins Case No InterestRate l Sale Price Enter the Sale Price Do not use dollar sign or commas 2 Earnest Money Enter the earnest money Do not use dollar sign or commas a After entering the Earnest Money amount the Earnest Money dialog box displays Page 3 18 ATG REsource User Manual ATG 5 15 Select the radio button corresponding to the party holding the earnest money Who is Holding the Earnest Money Buyer s Realtor Seller Lender Seller s Realtor lf Escrow Deposit Type of Funds check A Mo One or Mot Listed Earnest Money Deducted from Realtor Check Upon selecting Seller s Realtor or Buyer s Realtor is holding earnest money a prompt will ask if the earnest money should be deducted from the Realtor s commission NOTE The Realtor holding the earnest money must be entered in the Buyer or Seller tab D Should the amount of earnest money be
270. er Manual ATG 5 15 ATG RESouRCE User Manual ATG 5 15 8 Click Next eat Poratia Enter payment details Payment Not yet due F Include in Tax Proration Credit Amount 526 80 Cancel Previous Lex Finish 9 Enter the dates of the tax proration edit Provation E Enter the dates From date fi 41 2009 FA thru date fi 2431 2004 FA Cancel Previous Next Enin 10 Click Finish Repeat this process for each tax period by moving to the next line Click Close when finished NOTE You must click the Refresh button to display tax amounts NOTE As with all lines on page one of the HUD such as tax payments disbursed at closing use the Expand This Section button Al from the toolbar IMG located to the right of each section Lines 300 303 Complete Closing automatically updates and calculates these fields 300 Cash At Settlement From To Borrower 301 Gross Amount due from borrower line 120 202 225 00 302 Less amounts paid bytor borrower line 2201 103 232 22 303 Cash From Borrower 98 992 78 Section 400 400a K Summary of Seller s Transaction 400 Gross Amount Due To Seller Fal 401 Contract Sales Price 00000 00 ET 402 Personal Property 40s 404 405 Maximum number of lines 405 Page 7 9 400b Adjustments for items paid by seller in advance 406 County property ta 407 County property ba 406 Special Assessme
271. er of the UCC statement ST1 3 made by PR Enter name s of person giving the UCCstatement ST1 6 as Debtor and given to PR Enter name s of lender entity receiving the UCCstatement ST1 7 as Secured Party Mortgage Signing All parties in title or taking title must execute the mortgage that ATG 1s being asked to insure If any party in title does not execute said mortgage lender will take subject to the outstanding ownership interest of said non executing party Page 14 36 ATG REsource User Manual ATG 5 15 Subordination Agreement Subordination Agreement dated PR Enter date of Subordination Agreement DT2 1 and recorded PR Enter date the Subordination Agreement was recorded DT2 2 as Document No PR Enter recorded Document number of agreement ST1 5 made by PR Enter name s of person entity giving theSubordination ST1 6 and given to PR Enter the name s of person entity receiving Subordination ST1 7 which subordinates the Mortgage recorded as Document No PR Doc No for affected Mtg ST1 6 Trust Deed Trust Deed dated PR Enter date of Trust Deed DT2 1 and recorded PR Enter date the Trust Deed was recorded DT2 2 as Document No PR Enter recorded Document number ST1 5 executed by PR Enter name s of person granting the Trust Deed ST1 6 and given to PR Enter the name s of the lender receiving the Trust Deed ST1 7 to secure a note in the amount of PR Enter the dolla
272. er the form s instructions If that form confirms the sale is an exempt transaction you must check the Do Not Generate 1099 box and maintain the Certification in your files Main BuyerSeller Lo nmisc Property 1 Seller fa ee Sellers Ca Th 2 Bent ouyersseter Seller Sam and Sally Seller Nate Business Hame Tax ID Social Security No First hil Last Ext Gender Nm Sam Seler Attorney aom re Nnafsaty Teter fT elationship of 2nd Person to First wife Husband Partner 0 Other Tex 10 11 1111 Address E Mail 123 Main a x Override Auto 1099 Proceeds Distribution 1099 Information ani Sale Ap Do Not Generate 1099 anywhere L econ x S us Home Phone ork Phone Fax k j k js k Amount 100 000 00 Do Not Generate 1099 3 For additional information about 1099 reporting go to www atgf com and click ATG Member Attorneys gt Get Underwriting Assistance gt Underwriters Bulletin Index 1996 2008 In the list of archived documents scroll down to 2003 and select 1099 Real Estate Tax Reporting If you have additional questions contact the ATG Underwriting Department Page 7 44 ATG REsource User Manual ATG 5 15 D Edit Payoffs Click the Edit Payoffs button EA to enter an unlimited amount of Buyer or Seller payoffs l available in Sections 100a 500a and 1300 1 of 2 Payoffs r om m l kd Version 6 5 1 2 File Humber posom 65 z Lu F
273. erty Tax Code 35 ILCS 200 22 10 200 22 15 200 22 20 200 22 25 200 22 30 and 200 22 40 in the manner and within the time specified therein NOTE In the event that there are any persons who should be served with notices but the names of such persons are unknown and unascertainable then in that event only such persons should be served with notice under the description of Unknown owners or parties interested in said land or lots 1 Any person other than those herein named known to the certificate holder or his or her attorney who may have or claim to have some interest 1n the land 2 Unknown owners or parties interested in the land generally 3 The County Clerk of RP 4 County Illinois 4 All persons in occupancy or actual possession of said land which persons must be served personally 5 PR Enter name s of person holding Certificate of Sale ST1 5 Certificate of Sale holder as party plaintiff 6 PR Enter name s of owners of record successors etc ST1 6 owner s of record contract purchaser s etc or successors in interest as party ies defendant Page 14 58 ATG REsource User Manual ATG 5 15 7 PR Enter name s of mortgagees creditors lienholders etc ST1 7 mortgagees judgment creditors lienholders etc by reason of Exception No s 8 The United States of America by reason of Exception No NOTE Compliance should be made with the provisions of Section 2410 o
274. ervices screen must be added in the Miscellaneous tab Closing Tab Select the type of Closing Services if any Title Prep Endorsements Closing Search Bec Misc Commercial Other ATG Buyer Seller Closing jv EulliGlasinghessssn eee 900 00 900 00 0 00 RESP amp Closing Checks Patter biours keepers eee 0 00 0 00 0 00 Checks amp HUD Onily 0 00 0 00 0 00 M ICP Lender ere ree 0 00 25 00 0 00 Iv JERE Bomowetce cece ee 0 00 25 00 0 00 v ERE Selleieee eee eee 0 00 0 00 50 00 Ones 0 00 0 00 0 00 PF Email Loan Package Fee 0 00 0 00 0 00 Member Closer c ccccccsssceoseees 0 00 0 00 0 00 Member Closer Admin Fee 0 00 0 00 0 00 F Multiple Loan Closing 0 00 00 0 00 0 00 0 00 Room Only Full 0000000 0 00 0 00 0 00 T Room Only Refinance 00 0 0 0 00 0 00 0 00 TT ax Paument eee 0 00 0 00 0 00 F Water Payment o ue 0 00 0 00 0 00 Other Fees lEscrouFes Re ee ee 0 00 0 00 0 00 Regional Package 0 00 0 0 00 0 00 0 00 Mortgage Compliance Certificate 0 00 0 00 0 00 Mortgage Exempt Certificate 0 00 0 00 0 00 ATG REsource User Manual ATG 5 15 ATG RESouRCE User Manual ATG 5 15 NOTE Selecting Closing Services from the ATG Services screen ensures that the proper fees the Closing a Closing 1 111 VI Vil viil Xi xil appear on
275. es POLO6 Loan Schedule A POLO6 Loan Schedule A 2nd POLO6 Loan Schedule B POLO6 Loan Schedule B 2nd POLO6 Loan Schedule B Part II POLO6 Loan Short Form Policy POLO6 Owner Cover POLO6 Owner Schedule A POLO6 Owner Schedule B Power of Attorney RESB Package Tonner Closing Package WI Aff Affidavit of Title WI Aff Deed Correction WI Aff Judgments and Liens WI Aff Lien and Possession ALTA WI Aff Personal Information WI Aff Signature Affidavit WI ATG 2006 Short Form Loan WI ATG Pkg 2006 Commitment WI ATG Pkg 2006 Loan Policy WI ATG Pkg 2006 Owners Policy WI ATG Pkg Closing Documents WI ATG Pkg GAP WI Deed Condominium WI Deed Guardian s WI Deed Personal Representative s WI Deed Quit Claim WI Deed Special Warranty WI Deed Trustee s WI Deed Warranty Form 1 WI Deed Warranty Form 2 Page 6 9 Page 6 10 WI Docs Accounting Info Services WI Docs Certification No Reporting WI Docs Condominium Certificate WI Docs Const Loan Disbursement WI Docs CPL WI Docs Escrow Agreement WI Docs Informed Consent WI Docs Initial Search Report WI Docs Invoice WI Docs Land Contract WI Docs Land Contract Condominium WI Docs Personal Undertaking WI Docs Privacy Statement WI Docs Satisfaction of Mortgage WI Docs Special Assess Tax Report WI End Comprehensive WI End Date Down 1 WI End Date Down 2 WI End GAP WI End 06 EPL WI End 06 Locatio
276. es in the amount of PR Enter the amount of 3rd installment of tax CU1 6 is PR PAID UNPAID AND DUE 10 07 2010 OR SOLD ST1 7 Fourth installment 2009 taxes in the amount of PR Enter the amount of 4th installment of tax CU1 8 is PR PAID UNPAID AND DUE 12 07 2010 OR SOLD ST1 9 Taxes for the year PR Enter the current year ST1 10 are not yet due and payable Permanent Index No DB Property TaxID SN1 EXEMPTIONS PR Enter the exemptions on the property ST1 11 Taxes Five Years Not Out Taxes for the year PR Enter the last year that taxes were paid YYYY IN1 1 and thereafter Page 14 4 ATG REsource User Manual ATG 5 15 First installment PR Enter the previous year YYYY IN1 1 taxes in the amount of PR Enter amount of the Ist installment prior year taxes CU1 2 is PR Enter whether PAID UNPAID AND DUE NOTYET DUE AND PAYABLE ST1 3 Second installment PR Enter the previous year CYYYY INI 8 taxes in the amount of PR Enter amount of 2nd installment prior year taxes CU1 4 is PR Enter whether PAID UNPAID AND DUE NOT YET DUE AND PAYABLE ST1 5 Taxes for the year 2006 in the amount of PR Enter amount of 2006 taxes CU1 13 are PR Enter whether PAID SOLD REDEEMED include dates ST 1 16 Taxes for the year 2005 in the amount of PR Enter amount of 2005 taxes CU1 19 are PR Enter whether PAID SOLD
277. et Explorer a Click Tools gt Pop up Blocker gt Turn Off Pop up Blocker ATG REsource User Manual Page 13 7 ATG 5 15 Page 13 8 b Click Tools gt Internet Options gt Security Select Trusted Sites and click the Sites button Add http atgf com to the trusted zone From the Lobby click the New Order link AX ATG Lobby New Order Tasks Tutorial Help Version Logout There are no assigned Tasks at this time Using Single View Use a saved template Submit a New Order Click Use single order entry form Using Single View Use a saved template All data entry sections will open Complete all required fields Submit a New Order General Information Loan Information Customer your File Sales Price Former Policy Earnest Money Former Policy Amount Loan Amount Former Policy Date Mortgage Broker Expand Collapse Mortgage Broker Commitment Due Date 8 17 2012 Name losi Closing Date 8 22 2012 Address oo Type of Service _ Owner Title Guaranty Mort Simultaneous Construction Loan Other Lender Information Seller information Business Name Name Address Business Phone Name 1 First Name Middle Initial Last Name Phone Fax Email Name 2 First Name Middle Initial Last Name Relation to Name 1 E Current Address
278. ete the escrow account change NOTE If the order for which you want to change the Escrow Account has a deposit that is part of a deposit slip and that deposit slip has more than one deposit on it you cannot change the Escrow Account XXIII EXPECTED WIRES A The Expected Wires screen lists all deposits entered in Complete Closing with Wire designated as the Type of Funds For each anticipated wire it lists the File Number Payor Amount Description Expected Date Bank and Escrow Unit B To open the Expected Wires screen use one of the following methods I Click the Expected Wires button B 2 Select Tools gt Expected Wires or 3 Press lt Alt gt lt T gt then lt W gt int DE Wires 345 OO ire 1 O44 4 2008 25456 1 000 00 re 2 044 4 2008 Wells Fargo 90 000 00 Loan Amount 0445 2008 456547 ATG REsource User Manual Page 9 25 ATG 5 15 C The buttons on the Expected Wires screen are described below BUTTON FUNCTION vd Accept Selected Click this button to accept the currently selected wire s as received me using the date displayed in Deposit Date field Edit Selected Deposit Click this button to open the Deposit Editor screen From there you can make modifications to the deposit Add New Deposit Click this button to open the Deposit Editor button to add a new deposit B Print Expected Deposit List Click this button to display and print the list of anticipated b wire deposits
279. exchange apr i 20 O Shor Sale C Home Ownership Made Easy L Bank REO Auction sale J Party is a relocation company J Party is a bank or governmen C Buyer is a REIT J Buyer is a pension fund Homestead Exemptions General lt 0 00 Senior Citizen 0 00 Senior Freeze 0 00 Seller Forwarding Address Street 111 Main City Chicago State IL ip 60606 Phone Close amp Print Cancel Property Type Current Use Q vacant Residence CO Mobile Home _ partment lt 7 units Intended Use Q Vacant Residence Miscellaneous Buyer s principal residence J Real estate broker used J Mobile home included in price CO Mobile Home _ Apartment lt 7 units Fie No 110900102101 B Parcel Information l Parcel No Enter the Parcel Number PIN Tax ID If the Tax ID number has been entered in Order Entry this field will auto fill NOTE The data in the PTAX form will not be saved without a Parcel No 2 Lot Size Enter the Lot Size 3 County Enter the County of the property If the County has been entered in Order Entry this field will auto fill NOTE The Transfer Tax amounts will not calculate without a County ATG REsource User Manual Page 13 23 ATG 5 15 Page 13 24 4 Township Select the Township from the drop down list If the Township has been entered in Order Entry this field will auto fill Deed Information l Deed Typ
280. ext or previous field within the current line lt Ctrl gt lt e gt lt Insert gt Inserts a new line before the current line This only applies to Page Two sections of the HUD where lines can be added or deleted lt Ctrl gt lt O gt Overrides the information in the read only fields The overrides in each section work differently lt Alt gt lt O gt Switches the screen to Page One lt Alt gt lt T gt Switches the screen to Page Two 3 Move through the fields on the Speed HUD by pressing lt Tab gt or by clicking on the desired line or section 4 When text is too long to be displayed in full an ellipsis appears at the end of the displayed text The text can be viewed by rolling the mouse over the truncated text 5 Read only fields are indicated with shading Some information in the shaded areas can be overridden E Expanding and Collapsing a Section l Many sections of the Page One tab can be expanded Use the Expand button Fal in the section toolbar to expand that section Additional columns buttons and or fields display depending on the section lt Ctrl gt lt K gt also toggles the section between normal and expanded views 2 For example to expand Section 100a click the Expand button AI The section expands to display Payee as shown below Where applicable the POC field also displays HUD Section Expanded 100 Gross Amount Due From Borrower 101 Contract Sales Price 02 Personal Property 103 Set
281. f conveyance is subject to real estate transfer taxes imposed by the municipality for property located within the municipality imposed Relative thereto all deeds submitted to ATG for recording must be accompanied by the appropriate transfer tax and declaration Transfer Tax Exemption Any instrument conveying the subject property that is exempt from the transfer tax must have the appropriate municipal transfer tax form transfer tax stamp if required and grantor grantee statement with the appropriate exemption language affixed to the instrument prior to recording NLT BELVIDERE Requirements a Warranty Deed from PR seller s name ST1 1 to PR buyer s name ST 1 2 b Mortgage from PR buyer s name ST1 3 to PR lender name ST1 4 to secure a debt in the amount of PR loan amount CU1 5 Page 14 44 ATG REsource User Manual ATG 5 15 c Payment and release of the mortgage recorded as Document No PR doc number IN1 6 Condominium Commitment 4 Furnish ATG with a certificate executed and acknowledged by the Secretary of the Board of Managers stating that there are no unpaid assessment liens arising by reason of the nonpayment of assessments as per the Condominium Declaration NLT ROCKFORD EXCEPTIONS Setback Easement A PR distance in feet of Building setback ST1 1 foot building setback line from the PR direction of setbackline ST1 2 line of the property and a PR distance in feet of easement
282. f the Federal Judicial Code 28 U S C and Section 7425 of the Internal Revenue Code 26 U S C In connection therewith the following information is furnished The Notice of Tax Lien noted at Exception No was filed by the District Director of Internal Revenue at Illinois against in the office of the Recorder of Deeds of County Illinois on as Document No NOTE Attention is directed to the provisions in Section 2410 of the Federal Judicial Code requiring that any action to foreclose a lien naming the United States as a party under the Section must seek a judicial sale In the event a judicial sale is not sought in the contemplated proceeding such proceeding will not affect the rights of the United States noted at Exception No s and the United States should not be made a party thereto In addition we note the consequences if any in favor of the United States that appear of record after the date of this commitment 9 The trustee in bankruptcy by reason of Exception No 10 The right of redemption of the United States of America 11 The right of redemption of the State of Illinois The real estate was last assessed for general real estate taxes to the following taxpayer The proceedings will not affect the Standard Exceptions nor the exceptions noted in Schedule B at Nos and the final policy or policies will be subject to such exceptions unless satisfactory disposition thereof is otherwise made
283. f the party in title to the estate or interest in the land described in Schedule A to comply with the applicable doing business laws of the State of Illinois Lien Child Support Child support judgment filed against PR insert name of person s who received judgment ST1 1 in Case No PR Insert Case number ST1 2 in the Circuit Court of PR Insert County name ST1 3 County Illinois a memorandum of which was recorded on PR Insert date the judgment was recorded DT2 4 as Document Number PR Insert Doc No ST1 5 Easements Dedicated Road Rights of the public the State of Illinois and the municipality in and to so much of the land dedicated for road purposes by instrument dated PR Insert date of document road dedication DT2 1 and recorded PR Insert date road dedication doc was recorded DT2 2 as Document Number PR Insert Doc No of Road dedication ST1 3 Encroachments Adjoining Land Lot Line A survey discloses an encroachment by PR Describe the building or structure that is encroaching ST1 1 located on the property to the PR Enter direction of the encroachment ST 1 2 ATG REsource User Manual Page 14 51 ATG 5 15 and adjoining onto the insured premises by approximately PR Enter number of feet of encroachment IN4 3 feet Encroachments Insured Land Building Line A survey discloses an encroachment of the PR Describe the encroaching structure ST1 1 over the PR Enter direction
284. fee Recon OX Delete aq Edit Date Click this button to change the check date NOTE You may not be allowed to pre postdate checks beyond the allowable range as defined in CCSupervisor by your System Administrator EA oid Unvoid Void Unvoid Click this button to void or unvoid a check or change the void date Recon Click this button to change the reconciliation date or remove date from reconciliation Payee Click this button to change the payee name Bank Click this button to change the bank account NOTE If the order for which you want to change the escrow account has a deposit that is part of a deposit slip and that deposit slip has more than one deposit on it you cannot change the Escrow Account Delete Click this button to delete the check Edit Click this button to open the Check Editor screen and edit the selected check You can change the File Number Check Number Check Date Void Date and or Reconciliation Date ATG REsource User Manual ATG 5 15 XVIII DEPOSIT BROWSER A The Deposit Browser helps you locate deposits or deposit slips that need to be adjusted to balance your escrow accounting records Access any deposit entered through Complete Closing Enterprise or directly in the Escrow Accounting program by using one or more search criteria B To open the Deposit Browser screen use one of the following methods l Click the Deposit Browser button 2 Select Tools gt Deposit Bro
285. ffsite that are monitored 24 7 and backed up daily Members access and run ATG REsource through the Internet minimizing the need to load software on their office computers Any upgrades are made automatically on the ATG server with seamless transitions for our members IV SYSTEM REQUIREMENTS A Operating System l Required ATG REsource is a true 32 64 bit Windows application that requires Windows NT 2000 XP Vista or Windows 7 operating system 2 Recommended Windows XP Professional Windows Vista or Windows 7 B Processor and Monitor l Required Personal computer with a Pentium IT 333 processor or higher 128MB RAM and 200MB free disk space Under this configuration the system will function but may perform more slowly than you desire 2 Recommended Pentium II 400 processor or higher with 256MB or more RAM and a 17 monitor C Internet Access Minimum 56KB modem and Internet access required We recommend cable T1 or DSL Internet access for higher volume members A satellite connection to the Internet may not work ATG REsource User Manual Page 1 1 ATG 5 15 V Page 1 2 ATG SOFTWARE HELPDESK A Software Support You are one of the many ATG members who has completed REsource training and is now using our software to issue ATG commitments policies and other documents for real estate transactions To assist you in your daily use of REsource we offer the ATG Software HelpDesk staffed by our Softw
286. for property ST1 7 Commonly known as PR Enter street address city state and zip code for property ST1 8 Release Mortgage Release of Mortgage recorded PR Enter Date Release Recorded DT2 3 as Document No PR Enter the document number of the recorded release ST1 6 releasing the Mortgage recorded as Document No PR Enter the document number of the recorded mortgage ST1 6 Release Lien Release of Lien recorded PR Enter Date Release Recorded DT2 3 as Document No PR Enter the document number of the recorded release ST1 6 releasing the Lien recorded as Document No PR Enter the document number of the recorded lien ST1 6 Release Judgment Release of Judgment recorded PR Enter Date Release Recorded DT2 3 as Document No PR Enter the document number of the recorded release ST1 6 releasing the Judgment recorded as Document No PR Enter the document number of the recorded judgment ST1 6 Later Date THE LATER DATE COVERS THE TIME PERIOD FROM DB CommitPolicy CmtEdate DT2 TO PR NEW EFFECTIVE DATE DT2 2 THE FOLLOWING INFORMATION APPEARS OF RECORD SUBSEQUENT TO THE ORIGINAL EFFECTIVE DATE OF THIS SEARCH Taxes down ST CLAIR COUNTY TAX INFORMATION SYSTEM CANNOT BE ACCESSED BECAUSE THEY ARE DOWNLOADING 2009 TAX INFORMATION AS SOON AS THE SYTEM BECOMES AVAILABLE WE WILL REVISE OUR SEARCH TO INCLUDE TAX INFORMATION Release Release of Mortgage Lien recorded PR Enter Date Re
287. formation and either press lt Enter gt or click OK The exception and the information will then be merged into the Schedule B Exception C Standard Language Lookup The Standard Language Lookup contains enhanced searching capabilities and new options for organizing standard language l Searching for Standard Language by Category and Description Although you can see the names of all Standard Language categories only Region 0 and your region s Standard Language entries will be available Below are two examples Figure 1 is a Region 0 Category so all of the exceptions will display and are available for use Figure 2 is not Region 0 and not the user s region so no exceptions in that category will display Figure 1 Category tna yar lial eee Search By Description M al roa Category Description broker s lien Commercial Pr Commercial Broker Lien Commercial Pri Commercial Broker Lien wl Commercial Pr Commercial Standard Exception No 1 Commercial Pri Commercial Standard Exception No 2 Commercial Pri Commercial Standard Exception Mo 3 Commercial Pri Commercial Standard Exception Ho 4 Commercial Pri Page 5 10 ATG REsource User Manual ATG 5 15 ATG RESOURCE User Manual ATG 5 15 Figure 2 Fa Select Standard Language Items Category oi 25 Search By af E Description Category Description Searching for Standard Language Using a Key Word The key word search allows
288. from Page 2 paid for by the borrower plus any amounts that are shown as POC paid by or on behalf of the borrower Sections 900 1000 1100 and 1200 pull rollup lines to this screen and Sections 800 and 1300 pull itemized lines to the screen NOTE Lines 801 802 803 1201 1203 1001 901 and 903 do not display in the GFE Bucket Allocation screen These lines are required and automatically display on Page 3 in the designated section determined by RESPA To open the GFE Bucket Allocation screen click the GFE Bucket Allocation button located on the main toolbar EESE An ELE The button is highlighted in yellow to alert you when items need to be allocated to the appropriate section on Page 3 ATG REsource User Manual ATG 5 15 EE GFE Bucket Allocation Me Please select the Section of the GFE Comparison Chart for each fee Line Description Pave PayeeDisn Bucket Amount B04 Appraisal Fee 155511 ABC Bank 10 Toleranc 10 00 B05 Credit report 159470 Credit Alliance 10 Tolerar 60 00 1101 Title services and lender s title insurance 1120 Leston Ltd Patric 10 Tolerance 1 700 00 1103 Owner s ttle insurance ki 1 200 00 lle Tolerance 4 Select the appropriate bucket for each item by clicking the drop down arrow in the Bucket column The choice 1s either 10 Tolerance Bucket 2 or Can Change Bucket 3 5 When finished a Click OK to move the items from the Allocation screen to Page 3 b C
289. g the easement ST1 2 dated PR Enter the date of the easement DT2 3 and recorded PR Enter the date the easement was recorded DT2 4 as Document No PR Enter Document tnumber ST1 7 from PR Enter name s of person s granting easement ST1 8 to PR Enter name s of person s receiving easement ST1 9 ATG REsource User Manual Page 14 65 ATG 5 15 Environmental Disclosure Document Environmental disclosure document for transfer of real property dated PR Enter date environmental document was created DT2 1 and recorded PR Enter date environmental document was recorded DT2 2 as Document No PR Enter environmental Document number ST1 3 in the Recorder s Office of PR Enter name of County where environmental document was recorded ST 1 6 County Illinois Environmental Lien Environmental lien filed by PR Enter name of entity filing the environmental lien ST1 1 against PR Enter name of entity that environmental lien was filed against ST1 2 on PR Enter date that environmental lien was filed DT2 3 as Document No PR Enter environmental document number ST1 4 in the office of the Recorder of PR Enter County where environmental lien was recorded ST1 7 County Illinois in the sum of PR Enter amount of environmental lien in dollars and cents CU1 8 Flood Document Possible flood risks affecting the land and other land as disclosed by PR Enter what type of re
290. gagee Policy 2006 for a list of all documents Documents Bl x Print Documents Create Documents Create Packets Category Dwner Policy w Ende B Print Documents al ATG REsource User Manual ATG 5 15 NOTES ATG RESOURCE User Manual Page 12 5 ATG 5 15 Page 6 ATG REsource User Manual ATG 5 15 ch Snooue aosi N XX ATG 13 MISCELLANEOUS I FILE ATTACHMENT UTILITY The File Attachment Utility is used to store scanned documents such as an ATG Initial Search Report Later Date Search Report Closing Protection Letters Closing Packages copies of the issued commitment policies signed ALTA Statement Accounting Information Schedule and affidavits submitted to ATG Documents that have been scanned are attached to the REsource file by ATG and are available to view or print A Click the File Attachment Utility button E or select Attachments from the ATGF Extensions menu to access scanned document images Complete Closing Enterprise 5 1 SP2a File DataEntry Utilities Window ATGF Extensions Help ke Hfi Member Search Al q at 8 fait attachments 4 Edit Services Alt E File Attachment Utility fosos001 00586 wr 11 Al Fi OL LNS ATGF Extensions gt Attachments B Double click the desired group of documents 410 Attached File Manager Ea Description Initial Search NSAEsources2011 WeekOS 110194 Sear 2 25 20
291. go Transfer Declaration ia Transfer Tax File 060900101004 Eile Edit Window Illinois PTax 203 Glose Cook County Transfer Declaration SAVENT rs Chicago Transfer Declaration Print arriere i i Resource File Exit Miscellaneous Select and drag names of representatives Seller Buyer T est Member ohn Q Attorney Parcel Information r Deed Information Parcel No 12 31 56 0000 Print separate form for this parcel Deed Delivery Recording Date 04 01 2008 Interest Transferred l I Property Address Fee LFirst MI Last Een MI Li ast C Ground lease lessee interest Test E Member oma Q E Attorney E a Additional Information lL select and drag address parts J Land trust beneficial interest N C Amended Declaration Oo Supplemental Declaration open transfer i C Monthly Dir Street Name Uni 333 IN Dak Street Consideration other than cash i F Price contingent on future event z Property Type Current Use Detached single family Townhor Condo Co 0 p Transfer Taxes Total Amount Paid 100 000 00 FMY of Personal Property 0 00 FMY of Other Property 0 00 Transfer Price 100 000 00 Transfer Price 500 200 00 Buper Seller Parking Space Exemption Information Seller Exemption J Deleted C Governmental charitable transfer C Security obligation Multi unit residential Mixed use
292. he blank line s available and enter an item description b Press lt Tab gt The POC checkbox appears C Select this checkbox and enter POC Code if applicable and press lt Tab gt NOTE If this checkbox is not selected it disappears when lt Tab gt is pressed again d If more lines are needed use Section 1300 or the Edit Payoff button F4 For more information on editing payoffs please refer to the Edit Payoff documentation ATG REsource User Manual Page 7 33 ATG 5 15 100a 100 Gross Amount Due From Borrower 101 Contract Sales Price F102 Personal Property 103 Settlement Charges to borrower 104 105 200 000 00 5 062 12 Maximum number of lines 105 100b Adjustments for items paid by seller in advance 106 County property taxes 107 County property taxes 108 Special Assessment 109 Homeowner Asc Dues 110 Flood insurance 111 Other taxes He LS 114 115 116 Maximum number of lines 116 200a 200 Amounts Paid By Or In Behalf of Borrower 201 Deposit or earnest money 203 Existing loan s taken subjectto to 204 Loan Amount 2nd Lien 206 Lender credit 26 ely 205 3 D C Amount icct Code 202 Principal amount of new loan s san 0 00 Hit Ss to rr to abc LENDER POCA C 200 00 to SR S to EE to rs PRE to EE EE 204 Seller Who is holding the Earnest Money f We are Title Company Seller s Realtor Lender
293. he conveyance is to be made pursuant to the provisions of the Probate Act regarding sale by the independent representative the conveyance should so recite Sale Power of Sale in Will Any conveyance of the land by the personal representative should recite that it is executed pursuant to the power and authority vested in the personal representative by the last will of PR Enter name of deceased person ST1 1 deceased In addition the personal representative should file the bond required by the Probate Act Sale Purchaser s Interest Right title and interest of PR Enter name of purchaser ST1 1 purchaser of the land as disclosed by court order entered in the proceedings entitled Estate of PR Enter name of deceased person ST1 2 Deceased Case No PR Enter case number ST1 3 General Wisconsin A satisfactory table of the heirship and proof of the death testacy or intestacy and of the value of the estate of PR Enter name of deceased person ST1 1 deceased should be furnished and this commitment is subject to such further exceptions if any as may then be deemed necessary Claims against the estate of PR Enter name s of Decedent s ST1 1 deceased Federal and Wisconsin Estate Taxes that may be charged against the estate of PR Enter name of deceased person ST1 1 Statutory rights powers and duties of the personal representative of the decedent if and when appointed MSU Decedents Except
294. he land is subject to real estate transfer tax levied by the VILLAGE OF MAYWOOD As of the date of this commitment Maywood tax rate is 4 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form Morton Grove The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF MORTON GROVE As of the date of this commitment Morton Grove tax rate is 3 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form Mount Prospect The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF MOUNT PROSPECT As of the date of this commitment Mount Prospect tax rate is 3 00 per 1 000 00 payable by the Buyer before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form The City of Mount Prospect also requires any outstan
295. he text box under the Owner Sched B sub tab TIP To copy and paste Highlight the second mortgage description and press lt Ctrl gt lt C gt Select the Morts Schedule B II sub tab place the cursor in the text entry area and press lt Ctrl gt lt V gt J Copy and paste the second mortgage description into the text box under the Owner Sched B tab The first mortgage description must also be copied into the text box under the Owner Sched B sub tab IL PRINTING THE LOAN POLICY INSURING TWO MORTGAGES BS A Click the Print Create Document button B Under Print Documents select ATG Pkg Two MPAs 2 Mortgs 06 The following documents are contained in this package l First Loan Policy a Loan Policy Cover b Schedule A C Schedule B d Schedule B Part II e Environmental Protection Lien EPL and Comprehensive Endorsements are included on the Schedule A of the Loan Policy ATG REsource User Manual Page 12 3 ATG 5 15 II Page 12 4 2 Second Loan Policy a b Cc d Loan Policy Cover Schedule A Schedule B Environmental Protection Lien EPL and Comprehensive Endorsements are included on the Schedule A of the Loan Policy PRINTING THE OWNER S POLICY AND OR LOAN POLICY A B BS Click the Print Create Document button located on the toolbar Select either the ATG Pkg Owner s Pol 06 and ATG Pkg Mortgagee Pol 06 package documents or click Category and select Owner s Policy 2006 or Mort
296. hen be deemed necessary Rights of Partners Rights of PR Enter names of partners in the Partnership ST1 1 partners composing the firm of PR Enter name of Partnership ST1 2 and of all persons claiming thereunder Limited Partnership Certificate The public records do not disclose the existence of a Certificate of Limited Partnership for PR Limited Partnership Enter the name of the partnership ST1 1 Limited Partnership Partnership Act Unless compliance is made with the Uniform Limited Partnership Act this Commitment and our policy if and when issued shall be subject to the consequences of the failure to comply with the Act Wisconsin Limited Partnership Act Limited Partnership Unless compliance 1s made with the Uniform Limited Partnership Act Chapter 179 of the Wisconsin statues this Commitment and our policy if and when issued shall be subject to the consequences of the failure to comply with the Act PARTY WALL Party Wall Rights of adjoining property owners in and to the PR Direction ST1 1 wall of the PR Improvement ST1 2 located on the property described in Schedule A hereof PLAT ACT Plat Act We must be furnished a recordable Plat of Subdivision or a Survey and Exemption Affidavit in compliance with the provisions of the Plat Act 765 ILCS 205 1 and as required by the Office of Recorder prior to being able to record any conveyance of land less than 5 acres in area Page 14 56 ATG REs
297. his item it cannot be associated with another reconciliation and the transfer date cannot be changed Clearing this field enables the Reconciliation and Deposit Date fields Click the OK button to complete the request Click the Cancel button __X Cancel to exit the screen without saving changes Page 9 17 XVI INVESTIGATING DISCREPANCIES A When you find discrepancies between your bank statement and your credits and disbursement records in the Bank Balance or among the three components of the Three Way Balance you must investigate and reconcile these differences Here are some of the steps to take l Make sure that each file in Complete Closing Enterprise has the correct escrow account assigned to it Problems frequently occur when file transactions are recorded with the wrong escrow account Make sure that each check and deposit has been recorded with the correct date Typical entry errors include recording a check or deposit with the wrong month or wrong year Make sure that you entered the Beginning Date on the Bank Reconciliation as the next calendar date following the previous month s ending date This will ensure that no dates will be left unaccounted for in the reconciliation process Make sure that you entered the Ending Date of the bank statement as the ending date on the Bank Reconciliation and Three Way Balance components For bank balance discrepancies use the Check Browser and Deposit Browser to try to fi
298. hours prior to the closing the file will be locked automatically Any changes to the closing information displayed on the ATG Assisted Closing Request page will require a call to the ATG Closing Services Department File Locked x This file is locked Any changes must be made through ATG Closing Ok Print 3 Notes a Add additional notes 1f any Notes b Click the Save button 4 Print To print a summary of the Closing Request click the Print button print EJ ES SE Status R ted AN ATTORNEYS TITLE GUARANTY FUND INC Joo ATG Approved Date 04 27 2006 Closer HAHCY GEORGOUSES Fund Assisted Closing Request ATG Approved Time 11 30AM Respa Operator Cynthia Bomber print B V ILLINOIS REAL ESTATE TRANSFER DECLARATION er Instructions for Preparing the Illinois PTAX 203 Complete Closing prepares saves and prints the PTAX Cook County and Chicago Transfer Declarations Necessary information regarding the transaction must be entered in the Order Entry tab including Buyer Seller Name and Address Buyer Seller Attorney Name and Address Property Address PIN s Tax ID Number County Township and Purchase Price In addition enter the full Legal Description in Commitment Schedule A gt Legal Description A Page 13 22 Click the Prepare Transfer Tax Documents button A on the toolbar or select Utilities gt ATG Transfer Tax ff Complete Closing Enterprise File Data Entry Utilities Window
299. hree Way Summary includes REPORT NAME DESCRIPTION Book Balance The Book Balance Report is the previous month s Ending Balance plus the Total Deposits minus the Total Disbursements Escrow Trial Balance Escrow Trial Balance Total Reconciled Bank Balance The Reconciled Bank Balance report is the Bank Ending Balance plus the Total Deposits in transit minus the Total Outstanding Checks X OUTSTANDING CHECKS RECONCILED BANK BALANCE A Page 9 12 Use the Three Way Summary report to verify your Book Balance Total Escrow Trial Balance Total and Reconciled Bank Balance all match If they do not investigate and correct the discrepancies See Investigating Discrepancies for more information NOTE Before running the Three Way Summary report you must complete the Bank Reconciliation Book Balance Escrow Trial Balance and Reconciled Bank Balance for the previous month of the selected escrow account To create a Three Way Summary l E Click the Three Way Summary button or select Reports gt Three Way Summary or press lt Alt gt lt R gt then lt T gt The Three Way Summary screen opens as Book Balance Three Way Summary Select Bank OK x Cancel From the Select Bank drop down select the escrow bank NOTE The Select Bank drop down displays only region specific banks 1 e Region l users see only Region 1 banks Click OK or Cancel to exit the Three Way Summary screen The Monthl
300. i B ortcut Complete Closing Enterprise Far Closing Reports Complete Closing Rate Tester Complete Closing RTF Doc vortcut Z Shortcut Lei PES 1KB ortcut Complete Closing Standard Complete Closing Supervisor Language Entry Shortcut Shortcut 1KB Member Policy j er ATG_TTax aa Shortcut rtcut Ce 1 KB Ac 1 B 5 i Complete Closing Scheduler Shortcut 1 KB REsource Documentation Shortcut 1 KB Server Identifier Shortcut 1 KB Standard Language Entry ATG REsource User Manual Page 13 2 ATG 5 15 Standard Language RE 39 66 77 28 39 Remote Desktop if Complete Closing Standard Language File Category Text Entries Navigation Helg Category Category Access mil zil EE Region E z Description ps 2al l Paragraph Number Level A gt el Text Description 4 wl D Standard Language is organized by Category and then by Description for easy access Members are asked to create a new Category using their Member Number as the name of the Category and enter all their exceptions in that one Category Many exceptions or groups of exceptions can be entered within a Category E Creating custom Standard Language 1 Create custom Standard Language by clicking the New Category button Fr testingwireless 207 208 122 4 Remote Desktop i Complete Closing Standard Language 09 09 02 SP2 Text Entries File Catego
301. iance should be made with the provisions of Section 2410 of the Federal Judicial Code 28 U S C and Section 7425 of the Internal Revenue Code 26 U S C In connection therewith the following information is furnished The Notice of Tax Lien noted at Exception No was filed by the District Director of Internal Revenue at Wisconsin against in the office of the Register of Deeds of County Wisconsin as Document No NOTE Attention is directed to the provisions in Section 2410 of the Federal Judicial Code requiring that any action to foreclose a lien naming the United States as a party under the Section must seek a judicial sale In the event a judicial sale is not sought in the contemplated proceeding such proceeding will not affect the rights of the United States noted at Exception No s and the United States should not be made a party thereto In addition we note the consequences if any in favor of the United States that appear of record after the date of this commitment 9 The trustee in bankruptcy by reason of Exception No 10 The right of redemption of the United States of America 11 The right of redemption of the State of Wisconsin The real estate was last assessed for general real estate taxes to the following taxpayer Page 14 60 ATG REsource User Manual ATG 5 15 The proceedings will not affect the Standard Exceptions nor the exceptions noted in Schedule B at Nos and the
302. icy Preparation button K or select Data Entry gt Commitment Policy Binder from the menu bar Complete Closing Enterprise 6 5 2 Fie Data Entry Utilities Window ATGF Extensions ae Help File f10900m010 Se A amp i M yy Data Entry gt Commitment Policy Binder Commitment Policy Preparation Commitment Schedule A Fa Commitment Policy Binder Commitment Policy Logging l Cmt Sched 4 Sched B Policy Policy Options Effective E Effective Time Issue Date Issue Time nm 4 enam E a O mC il 62200 F4 al o C an p CE Bs Mortgagee Folic Amount 200 000 00 Te MW Insured Suppress Hames Owner Policy Proposed Insure Armour M Suppress Names Text Only FS Commitment 4 fi 00500101807 Interest In Land Fee Simpe T Eal B w CEA Owner Insured Bart J Buyer FF Borrower Suppress Names Owrer Inaured Mortg Insured Mortg Borrower Current Title Holders Legal Desc More Int In Land B Review the information displayed in the sub tabs Owner Insured Morts Insured Current Title Holders and Legal Desc and edit if necessary The information in these tabs is used for the policies C The information for Schedule B of the policies is imported from the Commitment gt Schedule B gt Exceptions tab Therefore prior to preparing the policies edit Special Exceptions in the Commitment gt Schedule B gt Exceptions tab D The following
303. icy Date of Prior Policy Enter the Effective Date from the prior policy Prior Policy Code Select the name of the title company who issued the prior policy by clicking the drop down arrow zlto display a list of title companies Title Plant leave blank The ATG Search Department will select Title Plant as Landata Chicago Title or Other Critical Dates a File Opened The date the file is created will appear in the File Opened field b Commitment Due This default date is seven 7 days after the open date You can select a different date if you need the commitment sooner or if you are preparing the commitment yourself C Closing Date Date of closing d Confirm Date This date indicates that the ATG Closing Services Department has confirmed the closing date with the lender Chicago Area Closings only e Need Search This default date is five 5 business days from the date the file was opened You can enter a different date if you are preparing your own search have contracted with a search provider other than ATG or need an ATG search sooner than the default date five business days f Closing Time Time of closing Member File Enter your own File Number if any optional Sale Price Enter the Sale Price Do not use dollar signs or commas they will automatically populate ATG REsource User Manual ATG 5 15 13 Notes Any pertinent information can be entered in a Note and you may have mul
304. id coal oil gas and other minerals NOTE FOR INFORMATION The recording of any deed hereunder is contingent upon approval by Department of Mapping and Platting of Monroe County Illinois as to compliance with the Plat Act Metro East Office Rights of the public the State of Illinois township county and the municipality in and to that part of the land shown on Schedule A taken used or dedicated for road or highway purposes Rights of the public or quasi public utility companies in and to any portion of the land used for utility purposes Tax liens created by Special Area Ordinances not searched or insured Rights of way for drainage ditches feeders tiles and laterals if any Subject to building lines easements and restrictions 1f any of record Financing statements if any not certified to by abstracter If any document referenced herein contains a covenant condition or restriction which violates 42 USC c such covenant condition or restriction to the extent of such violation 1s hereby deleted Except coal oil gas and other mineral title and all rights and easements in favor of the estate of said coal oil gas and other minerals excepted or reserved in prior conveyances NOTE No search has been made of the coal oil gas or other mineral title Page 14 24 ATG REsource User Manual ATG 5 15 NOTE FOR INFORMATION Attention 1s directed to ordinance and regulations relating to connections charges and
305. ien Child Support Child support judgment filed against PR Insert name of person s who received judgment here ST1 1 in Case No PR Insert Case number here ST1 2 in the Circuit Court of PR Insert name of County here ST1 3 County Illinois a memorandum of which was recorded on PR Insert date the judgment was recorded here DT2 4 as Document No PR Insert Document number here ST1 5 Lien Federal Notice of lien claimed by the United States of America against PR Insert name of person s who owes the money ST1 1 in the sum of PR Insert how much money they owe CU1 2 which notice was recorded PR Insert date the lien was recorded DT2 3 as Document No PR Insert recorded Document number ST1 6 Page 14 66 ATG REsource User Manual ATG 5 15 Lien General Claim for lien dated PR Insert date of lien here DT2 1 and recorded PR Insert date the lien was recorded here DT2 2 as Document Number PR Enter recorded document number ST1 6 made by PR Insert name of person s asserting lien here ST1 3 and filed against PR Insert name of person s against whom the lien is made here ST1 4 in the sum of PR Insert the amount of the lien here CUI1 5 Lien Judgment Transcript Certified copy Memorandum of judgment recorded on PR Insert date judgment was recorded here DT2 1 as Document No PR Insert Document number here ST1 2 for judgment rendered on PR Insert date
306. ies 5l bs Log Gut of Current Order Ctrl4 L 3 Select Request IL CPL Member Orders Alt O Request IL CPL Member Profile 4 The file information will populate the order form Complete all remaining information 5 Welcome to ATG Closing Protection Letters System Windows Internet Explorer provided by ATG Create New Request General information CLOSING PROTECTION LETTER REQUEST submit Request for CPL Enter different GF Number GFF Commitment Mo 110900107043 Deliver to Title Agent Cc Lender 6 Broker C Buyer s Attorney Transaction Type cash Deal Refinance CI Buy Sell with Mortgage Title Agent Marne Test R Member ee eae ano1 Title Agent Address 111 MainSurte 2 Title Agent City Chicago State IL zip 0666 Email iblessman atgf com Fax 555 555 8888 Phone 555 565 6888 Closing Date a F po i Port ATG REsource User Manual Page 13 31 ATG 5 15 gt Click the Submit Request for CPL button located at the bottom of the form BorrowerfBuyer Name Bob Buyer Seller Name Betty Seller and Barney Seller Property Address i 23 Main Property City Aurora State IL Mortgage Broker Mame Broker Contact Name Broker Email Fax Enter any special instructions or comments here Submit Request tor CPL Enter different GF Number 6 The completed CPLs will reside in the File Attachment Utility and will be available to print B Printing the CPL l Click the File Attachme
307. imiting the generality of the foregoing liens or rights to a lien arising from contracts in connection with the construction of improvements or conversion of the existing building or buildings on the land to a condominium This commitment is subject to the approval of the condominium declaration and plat by the Underwriting Department of ATG This commitment is subject to a Encroachments or other matters if any disclosed by an examination of the condominium plat when placed of record ATG REsource User Manual Page 14 9 ATG 5 15 b Defects or other exceptions if any disclosed by an examination of the condominium declaration when placed of record c Such additional exceptions if any as may be disclosed upon a search of the public records covering the period after the effective date of this commitment and through the date of recording of the condominium declaration and plat Additional Parcels The developer has reserved the right to add additional property to that which has been submitted to the Condominium Property Act by the Declaration recorded as Document PR Additional Property Enter condo declaration document number ST1 1 and in the event of any such addition to reallocate percentage interests in the common elements For further particulars see the Declaration Condominium Conversion Furnish ATG with a certificate executed and acknowledged by the Secretary of the Board of Managers stating th
308. in previous versions of REsource specific data must be entered in Order Entry and ATG Edit Services G for title charges to appear on the 2010 HUD or the Speed HUD The following process should be followed for either HUD A Required data in Order Entry l Sale Price 2 Loan Amount 3 Interest Rate required for the GFE 4 Principal amp Interest required for the GFE 5 Earnest Money including who is holding the earnest money and if it should be deducted from the commission 6 Property Address including County Required data prior to opening ATG Edit Services B Required data in ATG Edit Services i l Endorsements 2 Closing Services a Search Services 4 Recording Fees 5 Miscellaneous entries 1f any IL TO CHANGE THE TYPE OF HUD A Close all open windows B Click Utilities gt Additional Fields w Complete Closing Enterprise 6 5 File Data Entry Utilities Window ATGF Extensions Help 5 bes Check Writing Sal Deposit Slips Transfer Slips Investment Accounts Additional Fields Invoices View Documents Ctrl I ATG REsource User Manual Page 7 1 ATG 5 15 II IV Page 7 2 C Enter Y or N in the Use HUD 2010 field and close Section 1 Section J Mortgage Broker a ee eee Tax Sale Date Tax Fed Exp Tax Red PAlDi A A sl 1 stinstallment 2ndinstallment Use 2010 HUD Services Locked Tax Year Use HUD 2010 E E vl IMPORTANT NOTE Any data ente
309. inal Owner s and General Contractor s Sworn Statements ATG Form 3018 or Forms 3018 A and 3018 B and Final Waiver of Lien ATG Form 3005 in a form acceptable to ATG from all entities supplying materials labor or services to the land In addition ATG must be provided an Indemnity Agreement Construction Mechanic s Liens ATG Form 3006 signed by the owner s and general contractor s 4 If Standard Exceptions 1 2 or 3 are to be removed from the final policy or policies ATG must be provided with a current ALTA Statement ATG Form 3004 and a survey acceptable to ATG of the land and all improvements thereon 5 If any endorsements or other additional coverage were committed for the final policy or policies all inspections undertakings affidavits or other documentation and all other requirements to issue the endorsements or additional coverage must be updated to include the Date of Policy 6 The payment to ATG of recording search examination underwriting endorsement or other fees as may be required to issue the final policy or policies Commitment ATG must be provided with properly executed sworn contractors statements sub contractors statements and final lien waivers along with proof of proper disbursements of any loan proceeds used for the improvement of the land or the policy or policies when issued will be subject to the following exceptions a Any lien or right to a lien for services labor or
310. income or franchise taxes that may be due and payable to the State of Wisconsin Note Deed Transfer Tax Return Form Note A Wisconsin Real Estate Transfer Return form will need to be completed by the parties in order to record the conveyance document Requirement Bankruptcy Trustee Authority Requirement Power of Attorney Authority Furnish ATG with an executed and acknowledged Power of Attorney that is in recordable form Said Power of Attorney must be reviewed by the ATG Underwriting Department prior to the execution of any conveyance documents Exception Bankruptcy Creditor Rights The right of a creditor trustee or debtor in possession to sell the entire property in the event of a bankruptcy of any co tenant of the land Exception Riparian Water Accretion Reliction This policy does not insure the exact location of any portion of land created by gradual buildup of the shore accretion or the lowering of the water level reliction the title to land cut off by a change in the course of the water body avulsion or ownership of artificially filled lands ATG REsource User Manual Page 14 85 ATG 5 15
311. ing checks and deposits Three Way Summary Click this button to prepare a summary report for the book balance escrow trial balance and reconciled bank balance for the selected escrow account Escrow Check Wizard Click this button to open the Escrow Check Wizard which helps you identify and fix problems with checks in Complete Closing Enterprise Verify Deposits Click this button to open the Verify Deposits screen which displays a list of all unverified deposits and deposit slips To verify a deposit or deposit slip select the line and click the Verify Selected Deposits button C4 NOTE Verifying deposits and deposit slips is useful in preventing changes being made to the deposits after they are posted Users cannot make changes to deposits or deposit slips once they are verified in Escrow Accounting Check Browser Click this button to open the Check Browser screen which displays all checks for the selected escrow bank You can also search for checks by file number check number range amount range date range voided valid status and or clearance status To make a change to a check double click the check to open the Check Editor screen From there you can change the file number check number and date void unvoid the check apply it or remove it from a finalized reconciliation NOTE Changes made here are reflected on the Checks tab of the Check Writing screen as well as the reconciliation Deposit Browser Click this b
312. ing held by the Realtor be deducted From the commission check 3 Loan Amount Enter the Loan Amount If the Loan Amount is not known enter an estimate of the loan amount Do not use dollar signs or commas 4 Owner s Policy Liability Override and Loan Policy Liability Override If the amount of coverage on the Owner s Policy or Loan Policy is not equal to the Sale Price or the loan amount enter the values in the Liability Override field 5 Mortgage Broker For informational purposes you may enter the Mortgage Broker if any 6 Loan Information a Lender ATG RESouRCE User Manual ATG 5 15 Select the Lender from the Agent list Add the lender 1f necessary l See the Agent Vendor List section in this manual for additional information about adding lenders 11 If the Seller is providing financing click the Select the Lender to be the Seller button to display the Seller s name as the Lender Loan Number Provided by the Lender enter if known This information will carry over to the HUD 1 Settlement Statement Mort Ins Case No Provided by the Lender add if applicable Page 3 19 Page 3 20 d Monthly P amp I Enter the amount of the monthly principal and interest payment This information is required on the page 3 of the HUD 1 Settlement Statement e Interest Rate Enter the interest rate of the mortgage This information is required on the page 3 of the HUD 1 Settlement Statement 2nd
313. inium Ownership Act Requirement Satisfaction of Existing Mortgage Satisfaction of Mortgage dated PR Enter Date of Mortgage DT2 1 and recorded PR Enter date mortgage was recorded DT2 2 as Document No PR Enter Document No of mortgage ST1 3 executed by PR Enter name s of Mortgagor s ST1 4 and given to PR Enter Name of mortgagee ST1 5 to secure a note in the amount of PR Enter amount of mortgage CU1 6 and such other sums as provided therein Note Deed Homestead Designation Note The proposed instrument of conveyance should designate the subject property as non homestead identify the grantor mortgagor as a single person or be joined in by the grantor s mortgagor s spouse and have their marital status typed thereon Exception Foreign Corporation Not for Profit A certified copy of the charter and amendments thereto if any and of the bylaws of the corporation in title should be furnished and this Commitment is subject to such further exceptions if any as may then be deemed necessary Upon a conveyance or mortgage of the land a certified copy of proper resolutions passed by the stockholders and directors of the party in title in conformity with the laws of the State of PR Enter State of foreign incorporation ST1 1 authorizing the execution of the deed of conveyance or mortgage should be furnished The certificate of authority of PR Enter name of foreign Corporation ST1 2 to do busines
314. ion 200a Section 2006 Section 300 Section 400a Section 400b Section 500 Section 500b Section 600 Section r00 Section 800 Section 300 Section 1000 Section 1100 Section 1200 Section 1300 Section 1400 b Move through the fields on the 2010 HUD by pressing lt Tab gt key on your keyboard or by clicking your mouse on the desired line or section E When text is too long to be displayed in full an ellipsis appears at the end of the displayed text The text can be viewed by rolling the mouse over the truncated text d Read only fields are indicated with shading Some information in the shaded areas can be overridden Recalculation Click the Refresh button to recalculate all items on the HUD ATG REsource User Manual ATG 5 15 l l Current Status of the HUD Click the Status drop down 734 M to change the status of the HUD WARNING This Warning button A will display if the Sale price or Loan Amount has changed Return to ATG Edit Services to auto calculate premiums Uncheck and recheck closing fee C Buttons within the HUD Within the 2010 HUD there are several buttons that may display depending on the section in which your cursor is placed All buttons and icons offer hints as to their functionality when you hold your cursor over the button icon El l Add New Line to the HUD When you click this button a new line is placed at the end of the selected section Av
315. ions A satisfactory table of heirship and proof of the death testacy and intestacy and of the value of the estate of PR name of decedent ST1 1 deceased should be furnished and this commitment is subject to such further exceptions if any as may then be deemed necessary Claims against the estate of PR name of decedent ST1 2 deceased Federal and Illinois Estate Taxes which may be charged against said estate Statutory rights powers and duties of the personal representative of said decedent if and when appointed ATG RESourRce User Manual Page 14 19 ATG 5 15 DEEDS No Probate Decedent owner of the property died testate leaving a will filed with the Circuit Clerk on In connection therewith the following is noted A A satisfactory table of the heirship and of the value of the estate of deceased should be furnished and this commitment is subject to such further exceptions if any as may then be deemed necessary B Expenses of administration and claims against the estate of deceased C Federal and Illinois Estate Taxes which may be charged against said estate D Statutory rights powers and duties of the personal representative of said decedent if and when appointed E Legacies created by the Will F If the property is to be conveyed by devisees under the will under the Illinois Small Estate Act it will be necessary that such grantors execute a Personal Undertaking sa
316. ipality together with the applicable transfer declaration or exemption form NOTE If property is exempt from stamps a 25 00 exemption fee is required Stone Park By Stone Park Municipal Ordinance a transfer tax has been imposed upon the sale of real property located within the municipality therefore all deeds presented to this company for recording must have the appropriate transfer tax stamps affixed thereto or be marked exempt by the municipality together with the applicable Transfer Declaration or Exemption form NOTE The Stone Park Transfer Tax rate is 2 00 per 500 00 Streamwood The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF STREAMWOOD As of the date of this commitment Streamwood tax rate is 3 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form NOTE If property is exempt from stamps a 25 00 exemption fee is required Wheaton General Note for Information The land described in Schedule A lies within the corporate limits of the City of Wheaton The land is subject to real estate transfer tax of 2 50 per 1 000 00 of consideration The transfer tax is the responsibility of the Buyer according to ordinance and sho
317. is exception maybe waived only by an ATG Staff Attorney HOMESTEAD Spouse s interest Rights and interest of the spouse if any of title holder or person s taking title named in Schedule A NOTE The present marital status of the Grantors herein named must be disclosed in any subsequent Deed of conveyance and or Mortgage ATG is asked to insure and their spouses if any must join in the execution of said Instruments in order to release any homestead rights INSTALLMENT CONTRACT Contract Terms Terms conditions and covenants of installment contract or agreement for Warranty Deed between PR Enter name of Installment Contract Seller s ST1 1 and PR Enter name s of Installment Contract Purchaser ST1 2 dated PR Enter date of Installment Contract DT2 3 and recorded PR Enter date Installment Contract was recorded DT2 4 as Document PR Enter Document number ST1 7 Contract Not Recorded Page 14 28 ATG REsource User Manual ATG 5 15 Consequences if any by reason of the failure to record either the Agreement for Deed or a memorandum thereof JUDGMENTS L L C Possible Judgments We find judgments liens and matters of record involving a person or persons whose names are similar to PR Enter name of possible judgment debtor ST1 1 Relative thereto a Personal Information Affidavit ATG Form 3008 establishing the identity of the above described person must be supplied in order to facilitate the e
318. isc a RESPA Checks Package To select the party responsible for the preparation of the HUD 1 Settlement Statement Checks for Disbursement and Loan Package Pickup click the drop down arrow FA at the end of each field The available choices are ATG and the Member b Search Provider Select the Search Provider by clicking the drop down arrow c Date Taken Current date Notes Add any additional information if any Click the Save button ii Place of Closing 1 2 3 4 ATG RESouRCE User Manual ATG 5 15 The place of closing will populate with the member s address by default Place Of Closing Closing Site Test Member F Address 123 Main Sreet City Chicago State IL Zip 60666 Phone 555 555 5555 Fax 555 555 5554 To change the place of closing click the pencil icon The Change Place Of Closing dialog box displays Change Place Of Closing x Closing Site Test Member Address 123 Main Street City Chicago State IL Zip 60666 Phone 555 555 5555Fax 555 555 5554 Begin typing the location in the Lookup field Several choices will display For an ATG closing office begin your search with the letters ATG Select the location of the closing and click the Save or Cancel button Save Cancel Page 13 19 Page 13 20 111 Contact Loan 1 and 2 Contact Broker 1 The Lender information is populated with the information contained in the file Contac
319. ise NOTE All functions listed above are accessible by using the File Data Entry or ATGF Extensions drop down menus ATG RESOURCE User Manual Page 1 5 ATG 5 15 Page 1 6 C A Prepare Transfer Tax Documents Prepares state county and city transfer declaration forms for Illinois E Special Check Print Allows authorized users to locally print approved checks from ATG s escrow account for closings User File Tracker Identifies the user in a file File in Use Closes out the file Member Orders Currently not in use Order Search by Member Searches and displays files by Member File Number Buyer Seller File Number and Closing Date q File Attachment Utility Stores scanned searches title documents and Closing Protection Letters ATG Services Calculates ATG premiums and consumer fees for policies endorsements and other services Information from ATG Services is used in the Invoice for Title Charges HUD 1 Settlement Statement and Accounting Information Schedule amp te Navigating Complete Closing responds just like any other Windows based application lt Tab gt Moves to the next field Left Click Moves to the field Right Click Displays drop down menu Control Commands Control Commands may also be used lt Ctri gt lt L gt Looks up Agent Lender Realtor Attorney Buyer Seller Payee on HUD lt Ctril gt lt E gt Edit or View Agent Lender Realt
320. ished O Additional Title Services fel Payee Leston Ltd Patrick J 1 4 bs ols Grand Total 367 50 1 Frinting Distribution of Loan Pac 2 Mort Compliance Certificate 3 Water Payment 4 Chain of Title 5 Courter Fee line Description Payee Papes Name JBorower Seller 15387 ATG Fees and Tr 50 00 0 00 95 15387 ATG Fees and Tr 150 00 0 00 131 15387 ATG Fees and Tr 0 00 75 00 100 1587 Ludens Potter 100 00 0 00 125 99005 NANCY GEORGOL 12 50 Borrower T otal Seller T otal 312 50 75 00 OK 6 x Cancel The Title Services Report prints an itemized list of fees that are included on Line 1101 To print the Title Services Report click the Print button located in the Additional Title Services screen Line 1102 Settlement or Closing Fee Line 1102 displays the Settlement and Closing Fee and rolls up to Line 1101 Select either Full Closing or Member Closer in ATG Edit Services The closing fee will calculate based on the sale price and populates Line 1102 1 11 Amounts Paid By Or In Behalf of Borrower Deposit or eamest money Principal amount of new loans Existing loan s taken subject to 204 205 206 207 ofc 208 Owner s Policy Paid by Seller 111 ATG RESouRCE User Manual ATG 5 15 Line 1103 Owner s Title Insurance The Owner s title insurance fees can be shown in the Buyer or Seller column depending
321. isscasaascaeveoeinsansaaceaoneasseetneantoammactnceatare 10 4 TIE VE TEO TL Re 10 5 PRINTING THE OWNER S POLICY AND LOAN POLICY ssiirisiississassspiisisnes inaaianei i aias ini Eaa S aiaa naaa ia aasin inna aii 10 6 11 TWO MORTGAGES ONE LOAN POUR YN sivcesi caus catcorenssncstusstntucnecsssenwesalinsnns saintneceslenedsatorweseiveseessetutucconiuewesssinints 11 1 e UE Cs RO ae Cera ee ee ee eee ee eee en eee ee 11 1 PRINTING THE LOAN POLICY INSURING TWO MORTGAGES wsccconxuxsessdawseawaevansonadeenbnedwutaeensadenseaawnssearaddebnesacnaaiavardenseaaemnneuedes 11 3 12 TWO MORTGAGES TWO LOAN POLICE an intestins ianiai eaaa su 12 1 P P a TT a A E A A saan sargetanpaiauanmoaiees 12 1 PRINTING THE LOAN POLICY INSURING TWO MORTGAGES sccccviscsssvsendsncutsvadnonvandncadsbwenissbondssscusnnaeasbarcesscvonasasibeedapsdeueadiuadys 12 3 PRINTING THE OWNER SS POLICY AND OR LOAN POLICY eme ed eenatmeee 12 4 13 NETSCE LEAN EO US Sirci ai E E A EAE 13 1 TEATA AMT OL i eee ee em nee mene ene eee A dee me ere oe Meta ete etree aL One Tee Mone tee oP em nh rere ee eee 13 1 RE CUSTOM Ta sare sac ik cece dd Cd de 13 2 Page ii ATG REsource User Manual ATG 5 15 COR GAIT AT PA TORRES dan ana dea meta a a a a e AA A EEEE E RN 13 6 PERL CR EE E A AE AE A E E eee eer nee 13 7 ILLINOIS REAL ESTATE TRANSFER DOCU ON ic me en ee nn eee te NE 13 22 INSTRUCTIONS FOR PREPARING COOK COUNTY TRANSFER DECLARATION sscssiccesccsciscncssteswoventensecssecacssenssewnsesscesed
322. it View Tools Help a J Back EQ F Folders X uly Address D RamQuest Software Complete Closing ATG REsource Desktop Go GF D D sd GB amp 7 a ZES Ao Complete Complete Complete Complete Complete Complete Complete Complete Complete Complete Closing 10 Closing Closing meie Closing Or Closing Pa Closing R Closin Closing R Closing Accounting nt S me Complete Complete Member Policy REsource Server Shortcut to Closing Closing Documenta Identifier ATG_TTax bat Each of the key functions is available from the toolbar as well as from the drop down menus In addition the drop down menus provide access to other reports Prior to your first reconciliation create a new file in REsource for the purpose of entering other disbursements and receipts such as bank charges or earned interest that appear on your bank statement but are not specific to a transaction The Control file that you create in REsource for this purpose should be named Bank The corresponds to your Escrow Bank number in REsource In this REsource Control file enter any deposits in the Deposit tab and enter any bank fees in the Check tab of Check Writing Change Bank Fees entered in the Check tab to a Wire and book the deposit This can also be accomplished in Complete Closing Escrow Accounting See Using a Control File in the Control Files section of this chapter for additional informatio
323. its screen to verify deposits that have been entered either in Complete Closing Enterprise or directly into the Escrow Accounting program The Verify Deposits screen includes the following information All individual deposits that have not yet been verified Deposit slip totals for all items deposited together on one deposit slip that have not yet been verified To help you with your verification the following information is provided for each deposit 1 File Number 11 Dep osit Date 111 Transaction Number IV Description purpose of the deposit V Amount of deposit vi Deposit Slip vii Bank Number vili File s branch To verify more than one deposit at a time use the lt Ctrl gt key to select multiple deposits Click the Verify Selected Deposits button CA to complete the verification The verified deposits no longer appear in the list ATG REsource User Manual ATG 5 15 XIII ADDING OR ADJUSTING CHECKS AND DEPOSITS A To add checks and deposits use Quick Check Entry and Quick Deposit Entry B To modify existing checks and deposits use Check Browser and Deposit Browser XIV CHECK EDITOR A To open the Check Editor screen use one of these methods 1 Click the Quick Check Entry button i 2 Select Tools gt Quick Check Entry 3 Click the Edit button from the Check Browser screen or 4 Press lt Alt gt lt T gt then lt K gt Check Editor File Humber Date Issued By Total Amou
324. ject to such other and further exceptions as may then be deemed necessary Proceedings Lis Pendens Lis Pendens Notice dated PR Insert date of lis pendens here DT2 1 filed by PR Insert name of person s filing the lis pendens here ST1 2 against PR Insert name s of persons receiving the lis pendens here ST1 3 in Case No PR Insert case number here ST1 4 in the Circuit Court of PR Insert name of County here ST1 5 County Illinois and recorded on PR Insert date of recording here DT2 6 as Document No PR Insert Document number here ST1 9 NOTE No examination of these proceedings has been made and upon examination this commitment and any policies committed for thereunder shall be subject to such other and further exceptions as may then be deemed necessary Page 14 32 ATG REsource User Manual ATG 5 15 General Lien Exception Wisconsin Notice of PR Liens Enter the type of lien e g Wisconsin Income Tax ST1 1 lien in favor of PR Liens Enter the entity who filed the lien ST1 3 and against PR Liens Enter the entity against whom the lien was filed ST1 2 in the sum of PR Liens Enter the amount of the lien CU1 4 and recorded on PR Liens Enter the recording date of the lien DT2 5 as Document Number PR Liens Enter the document number of the recorded lien ST1 6 Mechanics Liens Wisconsin Mechanics lien filed by PR Insert name of person or compa
325. k the Buyer or Seller column to display the Consumer Charge Override dialog box Enter the amount of the search in the Buyer or Seller Charge field and click OK If ATG does not provide search double click the ATG column enter 0 in the Special Rate field and click OK To add a Later Date Search Fee click the Add Later Date button 9 Later Date ang double click Open Date to display the Later Date Search dialog box Enter the Later ATG REsource User Manual ATG 5 15 Date Search Fee in the Buyer or Seller column and click OK The search fee will be a separate line item 8 Select either the Doc Inv 2010 BO Sep Srch Doc Inv for Title BO Sep Srch or Doc Inv 2010 NBO Sep Srch Doc Inv for Title NBO Sep Srch No breakout of title charges and separate search fees ATG REsource User Manual Page 5 17 ATG 5 15 6 Printing REsource Documents ks AIG 6 PRINTING RESOURCE DOCUMENTS I SELECT DOCUMENTS TO PRINT A To print REsource documents click the Print Documents button located on the top toolbar or select Utilities gt Print Create Documents fa Documents Jof x Print Documents 7 sngoonnouondsooremooonoonnTncooTaOnAES Exact and Contains category Category Fiter by state A d Print slo View Print Documents B Select documents to print by entering the prefix see complete list of documents listed below in the Search Characters dialog box or use the Scroll Bar or press
326. ker and the broker s client or customer under the terms of a written agreement entered into for the purposes of buying selling leasing or otherwise conveying any interest in the land described in Schedule A Commercial Standard Exception No 1 To waive Standard Exception No 1 Right or claims of parties in possession not shown by the public records from the Owner s Policy furnish ATG with an ALTA Statement and a land survey made in accordance with the Minimum Standard Detail Requirements for Land Title Surveys as adopted by ALTA ACSM made within six months of the date of this commitment In addition to matters disclosed by the ALTA Statement the following will appear in lieu of Standard Exception No 1 unless satisfactory disposition thereof is otherwise made Rights of public or quasi public utilities if any in the land m NOTE To establish the nonexistence of such rights obtain a letter from the official of the municipality in charge of water mains sewers etc such as the village engineer stating that there are no water mains sewers etc in the said land Existing leases and tenancies and rights of tenants thereunder and those claiming by through or under those tenants m NOTE All existing unrecorded leases affecting the land should be produced for ATG s inspection and this commitment is subject to such further exceptions if any as may be deemed necessary If there are no unrecorded leases affe
327. l more than 50 000 00 to close this property the funds must be wired into our escrow account If any party is required to bring in total less than 50 000 00 to close this property the funds must be in certified form New Mortgage Mortgage terms from DB BuyerInfo Namel First NO DB BuyerInfo NamelMI NO DB Buyerinfo NamelLast NO and DB BuyerInfo Name2First NO DB BuyerInfo Name2MI NO DB BuyerInfo Name2Last NO and spouses if any given to DB Lender Name NO its successors and or assigns to secure a debt in the amount of DB Main LoanAmount CU1 and other such sums as provided therein For Information Only For Information Only Township is PR Enter Township ST1 1 Lot size 1s PR Enter Lot size ST1 2 Taxes reflect PR Enter number of exemptions IN2 3 exemptions General Homestead Exemption 6 000 00 Home Improvement Exemption PR Enter amount of Home Improvement exemption CU1 4 Citizen Homestead Exemption 4 000 00 Citizen Assessment Freeze PR Enter amount of senior assessment freeze CU1 5 Street Address Commonly Known As DB Property Address NO DB Property City NO DB Property State NO DB Property Zip NO Deed Trustee s Trustee s Deed from PR Name of Trustee ST1 1 as Trustee under the Provisions of a Trust agreement dated PR Date of trust DT3 2 known as PR Name of Trust ST1 3 vesting fee simple interest of the subject property to DB BuyerInfo NamelFirst
328. l transactions For all other transactions the 2010 HUD Settlement Statement must be used Since all new files opened after March 26 2010 default to the 2010 HUD it is necessary to select the Speed HUD for cash or commercial transactions To change a 2010 HUD to a Speed HUD l Close all other data entry menus ATG REsource User Manual ATG 5 15 Click Utilities gt Additional Fields Complete Closing Enterprise 6 5 File Data Entry Utilities Window ATGF Extensions Help Check Writing Deposit Slips Transfer Slips Investment Accounts Additional Fields Invoices view Documents Ctrl I Enter N in the Use HUD 2010 field and close f Additional Fields OI x Section 1 Section 2 Mortgage Broker Tax Sale Date Tax Red Exp Tax Red PAID 1stinstallment 2ndinstallment Services Locked Tax Year Use 2010 HUD nj Click the Speed HUD button be The Speed HUD opens IMPORTANT NOTE Any data entered in the previous HUD will not populate the new HUD therefore it must be re entered Go to ATG Edit Services and select all title services Go to the Speed HUD and enter fees The Speed HUD is used to enter all the information necessary to produce a HUD 1 Settlement Statement The Speed HUD layout is similar to a printed HUD document The Speed HUD utilizes data that has been previously entered in Order Entry and ATG Edit Services together with the new data entered directly in the sections of
329. labor or materials heretofore or hereafter furnished imposed by law and not shown by the public records from the Owner s Policy furnish ATG with the following a An ALTA Statement or its equivalent executed by all parties holding title to the land during the six months preceding the Date of Policy and the purchasers if any b Satisfactory evidence of the payment in full of the cost of furnishing services labor and materials in connection with any improvement made on the land within six months of the Date of Policy c Satisfactory indemnification as may be required Commercial Standard Exception No 5 In order to waive Standard Exception No 5 Taxes or special assessments that are not shown as existing liens by the public records a current special assessment search must be provided Any endorsement requested by an Insured or proposed Insured must be approved by ATG Leases and Tenancies Existing leases and tenancies and rights of tenants thereunder and those claiming by through or under those tenants Property Manager Lien Rights of a property manager if any to a statutory lien on the premises for its property manager s fee NOTE Furnish ATG with an affidavit by the owner stating that there is no property manager for the insured premises In the absence thereof provide a waiver of lien by the property manager covering the date of recording of the deed and mortgage to the Insured Standard
330. ld to type corrections Property Property Address City Purchase Price Type Of Property Member File Number Member Phone Attorney For Member Type Buyers Buyer Address City 333 Oak County COOK Chicago State IL Zip 100 000 00 060900100849 Test Member 9001 555 555 5555 Fa 555 555 5554 Seller Traditional Ania B Buyer and Andy 4 Buyer 333 Oak Chicago State IL Zip Sellers Seller Betty S Seller and Barney S Seller wife and husband sally s seller Address 1234 Maple Lane City Chicago State IL Zip 61109 2 File Status There are five status levels assigned to each closing a ATG RESouRCcE User Manual ATG 5 15 None The closing has not been requested no closing date has been entered in the ATG Assisted Closing Request page Requested ATG has received and is processing the closing request Entering a closing date and time will automatically change the closing status to requested Approved ATG has confirmed the closing with all parties The assigned closer s name assigned RESPA Operator s name will display in the Status box Cancelled The closing has been cancelled by the member or by the lender To cancel a closing contact the Closing Services Department Page 13 21 Status Requested ATG Approved Date 04 27 2006 Closer HAHCY GEORGOUSES ATG Approved Time 11 304M Respa Operator Cynthia Bomber e File Locked 1 Twenty four 24
331. lease Recorded DT2 3 as Document No PR Enter the document number of the recorded release ST 1 6 releasing the Mortgage Lien recorded as Document No PR Enter the document number of the recorded mortgage lien ST1 6 Affidavit General Affidavit of PR Describe what kind of affidavit this is ST1 1 dated PR What date was the affidavit executed DT2 2 and recorded on PR What date was the affidavit recorded DT2 3 Agreement General Agreement for PR What is the agreement for ST1 1 dated PR What is the date of the agreement DT2 2 and recorded PR What is the date the agreement was recorded DT2 3 as Document No PR What is the document number of the agreement ST1 4 Assignment of Rents Certificate of Sale Right title and interest of PR Enter name of purchaser ST1 1 under a certificate of sale dated PR Insert date of certificate of sale DT2 2 and recorded PR Insert date of recording DT2 3 as Document No PR Insert Document number ST1 4 and issued pursuant to judgment of foreclosure entered PR Insert date of foreclosure judgment DT2 7 in the case filed by PR Insert name s of Plaintiff ST1 8 and against PR Insert name s of Defendant ST1 9 in the Circuit Court of Page 14 64 ATG REsource User Manual ATG 5 15 PR Insert name of County ST1 10 County Illinois Case No PR Insert case number STI 11 and all persons claiming thereunder
332. lick Apply to move the items from the Allocation screen to Page 3 and keep the screen open or 6 Click Cancel to exit the screen without saving changes H Page 3 le fa HUD Settlement Statement a 2 Alle alee oO als Page One Page Two Page Three Comparison of Good Faith Estimate GFE and HUD Charges Good Faih Estimate nwi AAAA Charges That Cannot Increase HUD 1 Line Number SSS SSS SSL EC EU Each section of Page 3 has a toolbar that allows a line to be added deleted inserted or overridden l E Hover over the title bar to activate the toolbar SE Bo Status gt GFE HUD Comparison Input Form 8 R 0 2r4dl280 24 8 2 Status Page One Page Two Page Three LL LL O o ET A ET ied TE TE Your adusted origination charges U 0 00 Transfer T axes 1203 5 975 00 Homeowner s insurance Loan Terms Info for HUD 1 HUD 1A Form Initial Loan Amount Dollar and Cents 450 000 00 Loan Term Years o Initial Interest Rate Percentage fo Initial Monthly Amount Owed for Principal and Interest Pl 4000 Initial Monthly Amount Owed for Mortgage Insurance Ml 000 Total Initial Monthly Amount Owed for P amp I MI oo ATG RESOURCE User Manual Page 7 21 ATG 5 15 Page 7 22 The first section 1s for Charges That Cannot Increase from the GFE Comparison of Good Faith Estimate GFE and HUD 1 Charges Good Faith Estimate
333. liens for use of any public sewerage water or other utility system serving the land referred to herein We call your attention to the fact that all sewer and utility bills should be obtained from the offices supplying the service We indicate only recorded liens NOTE FOR INFORMATION The recording of any deed hereunder is contingent upon approval by Department of Mapping and Platting of PR Type Name of County ST1 1 County Illinois as to compliance with the Plat Act St Clair Rights of the public the municipality and State of Illinois in and to that portion of the land taken or used for roadway purposes if any Rights of the public or quasi public utility companies in and to any portion of the land used for utility purposes Rights of way for drainage ditches feeders tiles and laterals if any Subject to building lines easements and restrictions 1f any of record No search has been made of the coal oil gas or other mineral title and our policy if and when issued will except the coal oil gas and other mineral title and all rights and easements in favor of the estate of said coal oil gas and other minerals NOTE FOR INFORMATION Attention is directed to ordinance and regulations relating to connections charges and liens for use of any public sewerage water or other utility system serving the land referred to herein We call your attention to the fact that all sewer and utility bills should be obtained fro
334. linois and recorded on PR Insert date of recording here DT2 6 as Document No PR Insert Document number here ST1 9 ATG RESourRce User Manual Page 14 67 ATG 5 15 Minor s Estate Case Proceedings pending in the Circuit Court of PR Enter name of County ST1 1 County entitled Estate of PR Enter name of minor ST1 2 a minor under Case No PR Enter minor s case number ST1 3 Mortgage Mortgage dated PR Enter date of mortgage DT2 7 and recorded PR Date mortgage recorded DT2 6 as Document No PR Enter recorded mortgage document number ST1 6 executed by PR Enter name s of borrower s ST1 4 and given to PR Enter name of existing lender ST1 5 to secure a note in the amount of PR Enter existing mortgage amount CU1 6 and such other sums as provided therein Mortgage Assignment Assignment of the Mortgage recorded as Document No PR Enter the recorded document number of the assigned mortgage ST1 6 by PR Enter name of original lender ST1 2 to PR Enter name of Assignee 1 e the new lender ST1 3 dated PR Enter date of assignment DT2 7 and recorded PR Enter the recording date of the assignment DT2 7 as Document No PR Enter the document number of the recorded assignment ST1 6 Plat of Subdivision Plat of DB Subdivision Subdivision NO Subdivision recorded DB Subdivision FileDate DT2 as Document No DB Subdivision Plat NO Power of Attor
335. lis pendens here ST1 3 in Case No PR Insert case number here ST1 4 in the Circuit Court of PR Insert name of County here ST1 5 County Wisconsin and recorded on PR Insert date of recording here DT2 6 as Document No PR Insert Document number here ST1 9 NOTE No examination of these proceedings has been made and upon examination this commitment and any policies committed for thereunder shall be subject to such other and further exceptions as may then be deemed necessary Exception Minor s Estate General Proceedings pending in the Circuit Court of PR Enter name of County ST1 1 County entitled Estate of PR Enter name of minor ST1 2 a minor under Case No PR Enter minor s case number ST1 3 Any conveyance of the land must be made by the guardian of the Estate of PR Enter name of minor ST1 1 a minor pursuant to a proper order entered in Case No PR Enter minor s case number ST1 2 and such conveyance should recite that the same is executed pursuant to a proper order entered in Case No RP 2 ordering the conveyance and should recite therein the full consideration for which it is given In addition the guardian should file any bond required by the court under Section 880 13 of the Wisconsin statutes ATG RESourRce User Manual Page 14 77 ATG 5 15 Statutory right powers and duties of the guardian of the Estate of PR Enter name of minor ST1 1 a minor
336. located on the 801 Breakout Charges screen Lines 801 and 802 display the amounts outside the columns with their total displayed on Line 803 1 Payees along with POC X must be placed on Lines 801 and 802 as the check for these lines come from that field and not from Line 803 2 Yield Spread and Broker Fee are no longer displayed as a single line item The amount is rolled into Line 802 a It will be a positive number if the buyer is paying points b It will be a negative for any credit from the lender to the buyer including the Yield Spread See RESPA Directive Additional Lines Dialog M Additional Lines OI x Select to enter Borrower amount outside the column From GFEH3 Select to enter Borrower amount inside the column General Line Select to enter the amount inside the column Disclosure Line Select to enter a description for disclosure purposes x Cancel You can add new lines to this section When you do an Additional Lines dialog appears giving you the option to select a GFE 3 item inside the column a General Line item inside the column or a Disclosure line for information as needed outside the column Section 900 Items Required by Lender to be Paid in Advance Enter the daily interest charge or a percentage and the 2010 HUD will calculate the amount per day Click the Set Line 901 Override button a or press lt Ctrl gt lt O gt to override the read only information in the Paid F
337. lt Page Down gt Then either double click the document name or click once on the document name and click the Select Document button to move the selected document to the Print list on the right single document or several documents may be selected for printing Additionally documents may be selected for printing by using the Category function The Category function groups documents by type To select a document using the Category function click the drop down x in the Category field to view a list of document types Select the type of document and then select the desired document Documents OI X Print Documents Create Documents Create Packets CS den Deeds Category P Description dA A Le DOC Deed Trust Quit Claim DOC Deed Trust Warranty gt DOC Deed Trustee s DOC Deed Administrator s DOC Deed Executor s El DOC Deed Guitclain DOC Ceed Special Warranty DOC Deed vYarranty Indiv Indiv b DO gt Deed Warranty Tenants 3 in Com DOC Deed Warranty Joint Tenancy Ey Print Documents ATG RESOURCE User Manual Page 6 1 ATG 5 15 Page 6 2 Searching for a Document using Exact and Contains l The Exact and Contains radio buttons allow a search for a document name by using a keyword Select the Exact radio button Et and enter a keyword in the Search field to search for the exact name of the document NOTE Use the document prefix Select the Contains
338. lumn and not include on Line 1101 or Line 1103 Select to enter amount outside the column and not include on Line 1101 or Line 1103 x Cancel When a new line is added to this section an Additional Lines dialog appears providing the option to select l 11 111 IV GFE 4 items will appear outside the column and roll up to Line 1101 GFE 5 items will appear outside the column and rolls up to Line 1103 General Line items will appear inside the column and do not roll up to either line or Disclosure line will allow for typing data for informational purposes only ATG REsource User Manual ATG 5 15 ATG RESouRCE User Manual ATG 5 15 1200 1201 1202 1203 1204 1205 1206 1207 1208 1203 1210 FT lz Premiums Click the Premiums button to view the Owner s and Loan Policy premiums Complete Closing pulls figures based on your rates that were calculated in ATG Edit Services Premiums are based on sale price loan amount and county of the property entered in Order Entry Endorsements Select endorsements in ATG Edit Services Section 1200 Government Recording and Transfer charges Government Recording and Transfer Charges Government recording charges Deed 46 00 Mortgage 76 00 Releases 0 00 to ATG Fees an Transfer taxes County Tax Sta Deed 150 00 Mortgage 0 00 to ATG Fees an State Tax Stamps Deed 300 00 Mortgage 0 00
339. lus endorsements and other title related services selected in ATG Edit Services populate the Premium Information screen and additional fees such as a 24 month Chain of Title and other miscellaneous items populate the Additional Title Services screen All fees also populate the assigned HUD lines Page 7 15 ATG 5 15 Page 7 16 REMINDER Select all services including endorsements closing services recording fees etc in ATG Edit Services to automatically populate the HUD 11 Premium Information 1 To obtain premium information click the Premium Information button in the toolbar located at the top right of Section 1100 Sample Premium Information from ATG Edit Services W Premium Information Ctrl L to Lookup Rate Rules Former Loan Policy Into Former Owner Policy ino Policy Num i EE a A olicy Number Date of Policy FA Fr Policy Amount Policy Code Fate Rule ne Who Who Payas Buyer Amt Buyer Break Out Override AE 27 EPL 150 00 0 00 100 N C 56 Owners Policy Premium 40 00 Fl 345 00 Oo 5T 1st Mortgage Policy Premi 345 00 0 00 100 T 58 and Mortgage Policy Premi 10 00 0 00 100 E g5 ExpreseDelivery 50 00 0 00 100 P E g 110 GRU 200 00 0 00 100 N E El Morgagee Owner ile Information 745 00 1 345 00 Kind of Premium Type of Service Simultaneous Sales Price 500 000 00 Auto Calc FA Reissue Loan Amount 200 000 00 2 Services displayed in the Premium Information scree
340. lved foreign corporation ST1 1 a corporation of PR Enter state where dissolved foreign corporation was formed ST1 2 was dissolved by PR Who 1e members stockholders State dissolved the foreign corporation ST1 3 on PR Enter date of foreign corporate dissolution DT2 4 We note the following with respect thereto and this commitment is subject to the following exceptions 1 Rights of the creditors of said corporation including the United States of America 2 Statutory conditions and limitations if any imposed by the laws of the State of RP 2 upon conveyances by the successors in title to the real estate of said corporation 3 Any delinquent income or franchise taxes that may be due and payable to the State of Wisconsin Exception Disabled Person General Proceedings pending in the Circuit Court of PR Enter name of County ST1 1 County entitled Estate of PR Enter name of disabled person ST1 2 a disabled person under Case No PR Enter disabled person s case number ST1 3 Any conveyance of the land must be made by the guardian of the Estate of PR Enter name of disabled person ST1 1 a disabled person pursuant to a proper order entered in Case No PR Enter minor s case number ST1 2 and such conveyance should recite that the same is executed pursuant to a proper order entered in Case No RP 2 ordering the conveyance and should recite therein the full consideration for which it is given
341. m the offices supplying the service We indicate only recorded liens NOTE FOR INFORMATION The recording of any deed hereunder is contingent upon approval by Department of Mapping and Platting of St Clair County Illinois as to compliance with the Plat Act BUILDING SETBACK Building Setback A PR Enter Number of feet ST1 1 foot building line from the PR Enter direction ST1 2 line of the property as shown on the Plat FORECLOSURE Mortgage Foreclosure Deed Interest Wisconsin Right title and interest of PR Enter name of person receiving deed ST1 1 under a sheriff s judge s deed dated PR Enter date of deed DT2 2 and recorded PR Enter date deed was recorded DT2 3 as Document No PR Enter Document number ST1 4 and issued pursuant to judgment of foreclosure entered PR Enter date judgment of foreclosure was entered DT2 7 in the case filed by PR Enter name s of Plaintiff ST1 8 and against PR Enter name s of Defendant ST1 9 in the Circuit Court of PR Enter name of County ST1 10 County Wisconsin Case No PR Enter case number ST1 11 and all persons claiming thereunder Post Lis Pendens We have examined the proceeding in Case No PR Insert Case Number ST1 4 in the Circuit Court of Peoria County Illinois to foreclose the lien recorded as Document PR Insert Document number ST1 4 and note the following A Right of any interested party to have set aside modified or
342. materials heretofore or hereafter furnished imposed by law and not shown by the public records b Consequences of the failure of the lender to pay out properly the whole or any part of the loan secured by the mortgage described in Schedule A as affecting 1 the validity of the lien of the mortgage and 11 the priority of the lien of the mortgage over any other right claim lien or encumbrance that has or may become superior to the lien of the mortgage before the disbursement of the entire proceeds of the loan COOPERATIVES Coop Bylaws Terms provisions covenants rights and options contained in the bylaws of the Cooperative and any other instrument that governs the management use or occupancy of the land including but not limited to rights of refusal consent provisions and provisions relating to the levying and enforcement of Page 14 14 ATG REsource User Manual ATG 5 15 assessments and special assessments and any pledges of or liens upon the capital stock and the consequences of the enforcement thereof Coop Commitment ATG should be furnished with the following items and this commitment is subject to such further exceptions as then may be deemed necessary a A copy of the cooperative corporate bylaws and any other instruments that govern the management use or occupancy of the land b An executed copy of the original lease creating title to the leasehold estate described in Schedule A toge
343. may not be an option Enter the new name in the Payor field Enter a monetary figure Do not include the dollar sign in your entry Automatically populates with system user name when screen is completed Enter a description of the deposit For example Earnest money Click the Clear Slip button 2 to remove a deposit from a deposit slip record The Deposit Slip field becomes blank Select a new reconciliation date from the drop down list or leave the field blank to have no reconciliation date If this deposit is part of a deposit slip it cannot be associated with another reconciliation and this field is grayed out If the deposit was one item on a deposit slip a deposit slip number can be added by selecting it from the Deposit Slip drop down list To help you identify deposit slips the list displays an ID Number Deposit Date and Bank Account If a deposit slip exists for this item it cannot be associated with another reconciliation and the deposit date cannot be changed Clearing this field enables the Reconciliation and Deposit Date fields Enter in the date or click the Calendar button to select a date If the EFER was one item on a transfer slip you can add to a transfer slip number by selecting it from the Transfer Slip drop down list To help you identify transfer slips the list displays an ID Number Branch Bank Transfer Date Amount Date Verified and Verified By If a transfer slip exists for t
344. mbendueens msn EENAA EA AAAA NEENA men ce 2 2 SEARCH FOR A FILE BY LEGAL DESCRIPTION OR ADDRESS scsccscoccscoccscoccscaccccacsscecsscncescscanseccececaccececscecssensescncessecansecs 2 3 SEARCH FOR A FILE BY BUYER SELLER NAME ccccsccecceccecceccescescceccecceccescscecceeceeccescescscuscacceecsescescuscecceccescssssesesscuseuscasees 2 4 SEARCH FOR A FILE OR A GROUP OF FILES BASED UPON GENERAL FILE INFORMATION ccceccsceccececcececscescscesescesescececs 2 4 SBARCH FOR A FILE BY THE TAX ID NUMBER PIN OR TAX RES drissa risi a iT 2 6 DU GETT TING STARTE D eosin iaa a aai aaaea iaaea dad 3 1 CP SE e E E E me a 3 1 ACCENT VENDOR LI T OR a a A A E AEA 3 3 LD JIM A CO EI SE Oe Oe eS eT el RO a 3 9 ORDER RD a 3 9 A ERCE a A 4 1 EDIP SERV ICES eoii prs a E R A E latte se nent ten sn 4 1 ATU SER VICES WINDOW siisi de aa a Ae R A A desde een enter ann e ere e nl 2 gt COMMITMENT PRE PARA RON enr srsesnnn tes senns send inte cannes Leeds nsssee disent aac 5 1 Li LRU NE DE SP 5 1 ER ee eee ees ene eee aee ame eye omer ee eee aera eee eee eet eT mee eee eee ee eee tet eer eee eee See ter ee err eet 5 8 INVOICE FOR TITLE CHARGES PROCEDURE AND DOCUMENTS scvsacsvncensssunnevsveacnsaagrecbesenasdadesbnasinbeundsagedapeadesamacadedbonseanewanaads 5 14 6 PRINTING RESOURCE DOCUMENTS sesccsctessecssstateessaducwessassnonssSauseuccniuissiessccsuterwessSeosenseuletucsiouloccessnpacessslaaseaceaisiueds 6 1 SELECT DOCUMENTS TO PRIE ee D e
345. me Borrower Seller 1 CPL Lender 2 CPL Buyer 3 CPL Seller se CheckWriting x Cancel 25 00 25 00 0 00 Borrower Total 50 00 Grand Total 100 00 AcctCode 128 142 143 0 00 0 00 50 00 Seller Total 50 00 Le 4 In CheckWriting an automatic disbursement payable to ATG Fees and Transfers will be created for the CPL fees Bank 701 Harris Chicago Escrow Del Line Chg Payee Split ral gt m Transfer Print Undo oid Mes Amount e a Delete PA Cars and Transfers 1 220 00 Real Estate Title Co 1 201 00 nee ae PE Recorder of Deeds 364 00 Line Description amount Act HLT Title LLC 0 00 P 1101 Search Ho Prior 100 00 4 Fannie Mae aka Federal Hati 164 862 00 1101 Owner Policy Premium 5325 50 56 HLT TITLE LLC 115 00 1101 Mortgage Policy Premiu 103 50 57 1101 CPL Buyer 525 00 142 1101 CPL Lender 725 00 129 1101 CPL Seller 350 00 143 Fe Accounting Information Schedule The Accounting Information Schedule will reflect the CPL fees in the Premium Information section Fremium Information R 325 50 Omer S Check attached ck 2 2 teas apnea 103 50 Mortgagee cl or Premium withheld by ATG ee 9 00 Mortgages dr ee 0 00 Endorsements Seetistbelow i or Premium sent with OMG 2 ee 6 00 i Policy Ta D RE A eee a ee 25 00 Lender CBL donne nu a eee 25 00 Buyer Bomower CPL nni ne nn 0 00 Seller CPL
346. ment shall be subject to such further exceptions as may then be deemed necessary Terms provisions and limitations of the Articles of Organization and the Operating Agreement of RP 1 a limited liability company of the state of PR Enter the State where Foreign L L C was formed ST 1 2 Upon a conveyance or mortgage of the land ATG must be furnished with a certified copy of proper resolutions passed by the members and managers of the party in title in conformity with the laws of the State of RP 2 authorizing the execution of the deed of conveyance or mortgage of the land and The certificate of authority of RP 1 to do business in Illinois issued by the Secretary of State must be furnished to ATG for examination and in default thereof the final policy or policies will contain the following exception Consequences if any that may result by reason of the failure of the party in title to the estate or interest in the land described in Schedule A to comply with the applicable doing business laws of the State of Illinois LEASEHOLDS Unrecorded Easements Covenants etc Subject to any unrecorded easements covenants conditions or restrictions as well as any building line restrictions not of record NOTE This exception will be waived by either of the following Page 14 30 ATG REsource User Manual ATG 5 15 a copy of an existing survey with an affidavit of no new improvements which shall be su
347. mmitPolicy MortBorrower NO and given to DB CommitPolicy MortInsured2 NO to secure a note in the amount of DB Main LoanAmount2 CU1 and other such sums as provided therein MERS Champaign Mortgage Electronic Registration Systems Inc acting solely as nominee for MORTGAGE EXCEPT Modification Modification of Mortgage dated PR Dated DT2 2 and recorded PR recorded date DT2 2 as Document No PR document number ST1 3 between PR Morgagee ST1 4 and PR Bank ST1 5 relating to Mortgage Document No PR Mortgage Document Number ST1 6 MUNICIPALITIES Addison The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by THE CITY OF ADDISON As of the date of this commitment Addison tax rate is 2 50 per 1 000 00 payable by the Buyer before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form Note If Property is exempt from stamps a 25 00 exemption fee is required Aurora The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by THE CITY OF AURORA As of the date of this commitment Aurora tax rate is 3 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate tr
348. n Additionally if your existing REsource escrow account has not been reconciled using Complete Closing Escrow Accounting it is advisable to open a new escrow account at your bank When your new account and checks are ready contact the REsource Help Desk and a new REsource Escrow Account Number will be assigned to you By default all new files will be opened using the new REsource Escrow Account Number When you receive your first bank statement from your new account contact the REsource Help Desk for assistance completing your first reconciliation ATG REsource User Manual Page 9 1 ATG 5 15 II Page 9 2 ESCROW ACCOUNTING BUTTONS The Escrow Accounting buttons are described below El Ka E Bank Reconciliation Click this button to reconcile your monthly bank statement with each of your escrow accounts Book Balance Click this button to prepare a book balance report for the selected escrow account and date The report includes cleared and outstanding checks and deposits Escrow Trial Balance Click this button to prepare an escrow trial balance for the selected escrow account and date This report includes all files with a balance and all files out of balance as of the date of the reconciliation as well as escrow memos entered in Check Writing Reconciled Bank Balance Click this button to prepare a reconciled bank balance report for the selected escrow account and date This report includes all outstand
349. n populate from the ATG Edit Services screen Edits should be made in the ATG Services screen 3 Click the Print button to print an itemization of services listed in the Premium Information screen 111 Additional Title Services 1 The Additional Title Services screen allows you to enter additional charges on Line 1101 Amounts entered in the Borrower column display in Borrower column on Line 1101 and amounts entered in the Seller column display in Seller column on Line 1101 By default the payee will populate with the payee from Line 1101 however different payees can be selected and Check Writing will create separate checks 2 Select all items in Edit Services All selected services will populate the Additional Title Services window except those items that populate the Premium Information or the 1200 section of the HUD NOTE Miscellaneous items entered in the Edit Services screen populate Section 1300 of the HUD or the Additional Title Services screen ATG REsource User Manual ATG 5 15 200 201 202 203 3 4 5 To open the Additional Title Services screen click the Additional Title Services button LS located on the toolbar 4 in Section 1100 Enter the payees for items that populate from Services To add items manually use the plus button to add items and the minus button o to delete items Enter the description payee and amount for each item Click OK when fin
350. n WI End 06 REM WI Homestead Affidavit WI Member Nova Title Short Form Pkg WI Title Services Order Confirmation NOTE Documents are added to REsource upon request or as needed To request a new document contact a Member Representative or the HelpDesk and provide a sample of the document REsource Documents REsource documents are organized by prefix Groupings or packages of related documents Closing Documents Affidavits Powers of Attorney Invoices Transfer Documents l ATG 2 DOC 3 END Endorsements 4 NEW Instructions or announcements regarding new release information in REsource 5 POL Commitment and Policy Schedules and Jackets 6 WI Wisconsin Documents ATG REsource User Manual ATG 5 15 NOTES ATG REsource User Manual Page 6 11 ATG 5 15 7 HUD 1 Settlement Statement YX ATG 7 HUD 1 SETTLEMENT STATEMENT The 2010 HUD Settlement Statement is used to enter all the information necessary to produce a HUD 1 Settlement Statement There are two versions of the HUD 1 in REsource version 6 5 They are called the 2010 HUD and the Speed HUD The 2010 HUD conforms to the new RESPA Rules in effect January 1 2010 The Speed HUD can only be used for cash or commercial transactions or transactions closed prior to January 1 2010 or if the loan application was taken prior to January 1 2010 Files opened after March 26 2010 default to the 2010 HUD I DATA REQUIRED As with the HUD
351. n E to select a date d Enter the Ending Date or click the Calendar button FA to select a date e Click OK to run the report or click Cancel to exit without saving changes Yoided Checks for 01 01 2013 through 05 20 2013 Prepared 5 20 13 RECONTEST Bank Voided Checks Check Date File Payee Amount 2 B13 V 2 6 13 130900102607 99001 Home Warranty of America oid 420 00 2 6 13 V 2 6 13 130900102607 99001 Henry T Seller oid 37 296 11 Total Disbursements 37 716 11 3 To print the report click the Print button To adjust the display size use the Zoom buttons Page 9 30 ATG REsource User Manual ATG 5 15 E File Balance Query l The File Balance Query report provides information on all checks written and all deposits made on an individual file Total file balance and book balance amounts display at the bottom of the report For checks the report displays the Check Date Check Number Payee Cleared Disbursed and Undisbursed If you select the Include The Check Lines check box on the Select File screen the report also displays each Line Item Number Amount and Description For deposits the report displays the Deposit Date Transaction Number Payor Cleared Received Receivable and Description 2 To run this report d Select Reports gt File Balance Query or press lt Alt gt lt R gt then lt Q gt Select File E4 Please Select File H fi 30900102659 gt
352. n the current year your member number and consecutively numbered files It is important to use the Calculate Next Number button to ensure proper file numbering The File Number assigned by Complete Closing will also be used as the Commitment and Policy numbers 6 Click OK to create the new file Page 3 2 ATG REsource User Manual ATG 5 15 IL AGENT VENDOR LIST A ATG RESouRCE User Manual ATG 5 15 Instructions for using the Agent Vendor List l The Agent Vendor list is a complete record of all individuals or organizations entered in the database It includes lenders Realtors search providers attorneys HUD 1 Settlement Statement payees buyers and sellers It contains the individual s or company s name address city state zip code phone number fax number category contact individual s first and last names friendly name e mail address Web site address Notes and region All individuals or organizations associated with a transaction must first be entered into the Agent Vendor list The individual or organization will be stored in the database for future use with any other transactions The following is a list of data fields that use information stored in the Agent Vendor list a Search Provider b Realtor C Attorney d Lender e Mortgage Broker f Place of Closing g Home Inspector h Pest Inspector 1 Member j Recording Office k Surveyor L None m All Payee fields on th
353. nd a check or deposit for the amount of the discrepancy If there is not one check or deposit for the amount look for two or more checks or deposits that add up to the amount of the discrepancy For more information see Check Browser and Deposit Browser in this section of the manual If a check or deposit appears in the bank statement but not in the Bank Reconciliation screen look for the item in the Check Browser or Deposit Browser to see if it was recorded for the wrong date or wrong escrow account Also check to see if a check has been recorded but never disbursed If a check or deposit appears in your Bank Reconciliation screen but not on the bank statement check to see 1f it was recorded for the wrong date or wrong escrow account Note that voided checks appear as negative checks credits in the Book Balance on the date they were voided When a voided check is reissued it appears as a debit on the date it is reissued After you have identified the cause of a problem fix the error with the Check Editor or Deposit Editor Return to the Bank Reconciliation scree6n to fix the error there or rerun the appropriate Three Way Balance component XVII CHECK BROWSER A Page 9 18 Check Browser helps you locate checks that need to be adjusted to balance your escrow accounting records Access any check entered through Complete Closing Enterprise or directly in the Escrow Accounting program using one or more search criteria To open th
354. nd lying from time to time within the bed of PR Enter name of lake river creek or stream ST1 1 and the rights of other owners of land bordering on the lake in respect to the water of said lake Public Rights Wisconsin Rights of the United States of America the State of Wisconsin the municipality and the public in and to that part of the land lying from time to time within the bed of PR Enter name of lake river creek or stream ST1 1 and the rights of other owners of land bordering on the lake in respect to the water of said lake Meandered Lake River Wisconsin Rights if any of the United States of America the State of Wisconsin the municipality and the public in and to so much of the land if any as may have been formed by means other than natural accretions or may be covered by the waters of PR Enter name of lake river creek or stream ST1 1 WELLER CREEK Drainage District Said premises are subject to Weller Creek Drainage District Document No 40014 Satisfied to date no annual benefit for current year WISCONSIN Exception Bankruptcy Statutory Powers Statutory rights powers and duties of the Trustee in Bankruptcy in the bankruptcy proceeding filed by PR Enter name s of person filing bankruptcy ST1 1 on PR Enter date of bankruptcy filing DT2 2 in the Federal District Court for the PR Enter name i e Western of bankruptcy court ST1 3 District of Wisconsin in Case No PR Ente
355. nd to a condominium This commitment is subject to the approval of the condominium declaration and plat by the Underwriting Department of ATG This commitment is subject to a Encroachments or other matters if any disclosed by an examination of the condominium plat when placed of record b Defects or other exceptions if any disclosed by an examination of the condominium declaration when placed of record c Such additional exceptions if any as may be disclosed upon a search of the public records covering the period after the effective date of this commitment and through the date of recording of the condominium declaration and plat Page 14 10 ATG REsource User Manual ATG 5 15 CONDOMINIUM Assessments Furnish ATG with a certificate executed and acknowledged by the Secretary of the Board of Managers stating that there are no unpaid assessment liens arising by reason of the nonpayment of assessments as per the Condominium Declaration Condominium Commitment Terms provisions covenants conditions and options contained in and rights and easements established by the Declaration of Condominium Ownership recorded PR Enter date of Condominium Declaration recording DT2 1 as Document No PR Enter Document number ST1 4 as amended from time to time Limitations and conditions imposed by the Illinois Condominium Property Act Furnish ATG with a certificate executed and acknowledged by the Secreta
356. ndominium Setback Easement Setbacks and Easements according to PR name of original plat ST1 1 recorded PR date original plat recorded DT2 2 as Document No PR Document No of original Plat ST1 3 Setbacks and Easements according to PR Name of Condo Plat ST1 4 recorded PR date condo plat was recorded DT2 5 as Document No PR Document No of Condo Plat ST1 6 Environmental Disclosure Environmental disclosure document for transfer of real property dated PR Date of EnvironmentalDisclosure DT2 1 and recorded PR Date Environment Disclosure was recorded DT2 2 as Document No PR Doc No of Environment Disclosure ST1 3 Construction Commitment Exception ATG must be provided with properly executed sworn contractors statements sub contractors statements and final lien waivers along with proof of proper disbursements of any loan proceeds used for the improvement of the land or the policy or policies when issued will be subject to the following exceptions a Any lien or right to a lien for services labor or materials heretofore or hereafter furnished imposed by law and not shown by the public records b Consequences of the failure of the lender to pay out properly the whole or any part of the loan secured by the mortgage described in Schedule A as affecting 1 the validity of the lien of the mortgage and 11 the priority of the lien of the mortgage over any other right claim lien
357. nds from the loan amount a b B if the Buyer pays outside of closing T S if the Seller pays outside of closing Z L if the Lender pays outside of closing amp Y for lender paid closing costs NOTE The code X can be used on page one of the HUD for credits to the buyer ATG RESOURCE User Manual Page 7 11 ATG 5 15 5 Section 700 Broker s Commission a Line 700 Total amount of commission b Lines 701 702 Enter the payee s G Line 703 Actual amount of commission disbursed L Settlement Charges 700 Total Sales Broker s Commission based on price Paid From Paid From Account Realtor 2 gets Z Borrower s Seller s Funds Codes Division of Commission line 700 as follows Acct Code Funds at at Settlement 701 702 703 Commission Paid at Settlement Settlement to to NOTE Commission percentage no longer prints on the 2010 HUD document d Earnest Money When entering Earnest Money in the Order Entry Loan screen the user will receive a pop up window displaying Who is Holding the Earnest Money i 11 200 Amounts Paid By Or In Behalf of Borrower 201 Deposit or earnest money 202 Principal amount of new loan s 203 Existing loan s taken subject to 204 205 206 Page 7 12 You must enter the Seller s Realtor in the Seller tab of Order Entry and the Buyer s Realtor in the Buyer tab of Order Entry for the correct calcul
358. ne for Checks disbursements Create Receipts and Disbursements al E Status 7 Bank 50 RQTEST Bank B Receipt Description Amount Loan Amount 200 000 00 Funds from Buyer Bart J Buyer 104 218 00 Payor ABC Bank Deposit Date Transaction ID Type of Funds FA 1009001018071 Expected Wire Reference Number E Receipts 0 00 Schedule Disbursements 304 218 00 Anticipated Dep Balance 304 218 00 0 00 Actual Disbursements 0 00 Pre Disbursements Balance 304 218 00 Account Balance 0 00 ATG REsource User Manual Page 8 1 ATG 5 15 Page 8 2 Once Receipts and Disbursements have been created all changes that are made on the HUD will automatically update Receipts checks and Disbursements deposits NOTE It is important that when making changes to the HUD you click the Refresh button of the HUD and then close the HUD prior to going into Check Writing If any Lender items under Who POC in the HUD screen are marked with an X Section 800 900 or 1000 tabs are to be deducted from the Loan Amount lender draft Complete Closing automatically compensates for this charge when it creates the Receipts and Disbursements It also adjusts the Receipts and Disbursements to account for any L or Y entries in these tabs In the shaded area at the bottom of the screen Complete Closing keeps a running balance of the status of the account Th
359. ney Power of Attorney dated PR What was the date the POA was executed DT2 1 and recorded PR What was the date the POA was recorded DT2 2 as Document No PR What was the POA document number ST1 3 Probate Estate Proceedings pending in the Circuit Court of PR Enter name of County ST1 1 County entitled Estate of PR Enter name of deceased person ST1 2 Deceased under Case No PR Enter case number ST1 3 Real Estate Taxes Taxes for the year PR Enter the previous year YYYY INI 1 and thereafter First installment RP 1 taxes in the amount of PR Enter amount of the Ist installment prior year taxes CU1 2 are PR Enter whether PAID UNPAID amp DUE NOT YET DUE amp PAYABLE ST1 3 Second installment PR Enter the previous year YY YY ST1 9 taxes in the amount of PR Enter amount of 2nd installment prior year taxes CU1 4 are PR Enter whether PAID UNPAID amp DUE NOT YET DUE amp PAYABLE ST1 5 PR Enter the current year YYYY IN1 6 taxes not yet due and payable PIN No PR Enter PIN number for property ST1 7 Rerecording Rerecording of PR What kind of document is being rerecorded ST1 1 originally recorded on PR When was the document originally recorded DT2 2 as Document No PR What is the Document Number of the original recording ST1 3 rerecorded on PR What is the date the document was recorded DT2 4 as Document No PR What is the Document no
360. ng a discrepancy in the calculations If no percentage is entered a dollar amount can be entered without the system considering it overridden 4 An override in the amount is indicated by a change in color 800 Items Payable in Connection with Loan EE W 2 801 Loan Origination Fee 1 900 00 to ABC Bank POC X 900 00 O B02 Loan Discount t4 330 00 to ABC Bank POCS 33000 O03 Appraisal Fee to ABC Bank POC B 275 00 804 Credit Report to dt S05 Lender s Inspection Fee to es 806 Application Fee to O o y 807 Assumption Fee to es 808 Document Preparation Fee to ABC Bank POC X T0000 S S09 Tax Service Fee to a 810 Flood Certification Fee to es ee 11 POC Paid Outside of Closing Codes 1 Codes ATG RESouRCE User Manual ATG 5 15 a B Buyer b S Seller c L Lender d X Held from Draft e Y Yield Spread Page 7 37 Page 7 38 2 Instructions a Enter POC Codes and amounts directly in the Speed HUD screen b For any charge items that the lender is withholding from the loan amount enter X This charge is automatically compensated for when the receipts and disbursements are created in Check Writing by subtracting the POC amount from the total loan amount deposit c Other options for this field include L to indicate that the item was paid outside of closing by the lender or Y to indicate a yield spread paid by the lender to a broker When Y is
361. nt 409 Homeowner Asc 410 Flood insurance 411 Other taxes 412 413 41 4 475 416 470 Gross Amount Due To Seller 700 000 00 Maximum number of lines 416 Fe Section 500a Reductions in Amount Due to Seller In Section 500a Complete Closing Line 502 Settlement Charges to Seller is a total of charges to Seller from Sections 700 through 1300 Additional lines can be added as disbursement or credit items on the Seller side by entering information on Lines 507 509 You can also use the Edit Payoff button F4 to add payoff information as an addendum to Section 1300 500 Reductions in Amount Due To Seller REAR Payee D C Amount licct Code 501 Earnest money held by seller 502 Settlement Charges to Seller line 1400 03 Existing Loans Taken Subject to to E n 04 Payoff of first mortgage loan to Bank of America E 505 Payoff of second mortgage loan to E ee 506 Earnest money to 7 507 to a 508 to D o 509 to m A Maximum number of lines 509 500b Adjustments for tems unpaid by seller JE RS le Acct Code 512 Assessment Takes to 813 Schoolpropetyt ot CP i4 MUD tases it 515 Othertases tO TE a at Maximum number of lines 519 8 Lines 600 603 Cash at Settlement From To Seller Complete Closing automatically updates and calculates these fields Page 7 10 ATG REsource User Manual ATG 5 15 B00 Cash At Settlement From To Seller 601 Grose Amount due to seller line 420 100 00
362. nt Pay To the Order DF w Void Date Reconciliation z zi na x Cancel B The Check Editor screen allows you to enter new checks The options are described below OPTION DESCRIPTION Lookup File Click the Lookup File Number button Fi to display the Select File Number screen Number where the file number is selected Open Complete Click the Open Complete Closing Enterprise button Li to open Complete Closing Closing Enterprise with the file number of the current check selected Enterprise Number Enter or add a check number Enter the check number in the Number field s Wire Click the Wire button to convert the check to a wire NOTE Based on security settings applied by your administrator this button may not be accessible to delete a check NOTE Based on security settings applied by your administrator this button may not be accessible Delete Check Click the Delete Check button Insert New Click the Insert New Check button Cl to save the check and start a new one Check Available only from Quick Check Entry Date Enter the date in MM DD YY format or click the Calendar button He to select a date NOTE You may not be allowed to pre postdate checks beyond the allowable range as defined in CCSupervisor by your System Administrator ATG REsource User Manual Page 9 15 ATG 5 15 OPTION DESCRIPTION Select a New Click the Select a New Payee button to display the Payee screen From there
363. nt Open Investment Accounts for Date Range Click this button to open the Date ai Selection for Open Balances screen Enter the date you want the report to show balances for by entering a date or by clicking the Calendar button Ee to select a date XXI INVESTMENT ACCOUNT FOR FILE A B Page 9 24 The Investment Account for File screen opens when you select a file number from the Open Investment Accounts screen This screen allows you to review details of all transactions in the investment account for the selected file modify an account transaction or add or delete a transaction on the account se Investment Account for File 1617 E fl a fil 2 Investments ra gt mi Bank Mame Account Number 9879023745 md Create a Delete pe ai Transfer All Transfer Part Description _ DepDate ipti 05 08 2009 Check From Escrow Account Check From Escrow Account Date Amount 05082009 O 1 000 00 d 1 000 00 Disbursements 90 003 00 Account Balance 89 003 00 The buttons on the Investment Account for File screen are described below BUTTON FUNCTION TT Transfer Al Transfer All Click this button to transfer funds back to the escrow account Z Transfer Pat Transfer Part Click this button and fill in the amount of money to transfer back to the escrow account Create New Investment Account Click this button to add a new investment account El Delete
364. nt Utility button E located on the toolbar Ajo a Oe 2 Select the CPL you wish to print A Attached File Manager Mil x le mt xX Bass Miscellaneous H REsourcet20 0 Vw eek 245100366 Seam 6 9 2010 2 Initial Search NRE sources 2010 Week 245100366 Seam 68 2010 4 Miscellaneous HARE sonrcetz01 0week 245100366 Searc 67972010 Chain of Title MAR Esourcer01 0week 24100366 Title 6 10 2010 Commitment Preparation Instructions M REsource 2010 Week24100366 Title 6 10 2010 Later Date Search NRE source 2010 Week 245100366 Searc 11 30 2010 Buper CPL NRE source201 0week 245100366 CPL 14342011 2 Lender CPL NAEsource201 0week 244100366 CPL 14342011 2 Seller CPL NAEsource201 OWeeke441 00366 CPL 122011 2 3 The CPL displays File Edit View Document Tools Window Help amp G oe Es l 2 95 2 X ci Find Eee TS ATTORNEYS TITLE GUARANTY FUND INC CLOSING PROTECTION LETTER LENDER BORROWER PURCHASER January 03 2011 TRANSACTION hereafter the Real Estate Transaction 4 Click the Print button to print Page 13 32 ATG REsource User Manual ATG 5 15 C Alternative Print Option l Click the File Attachment Utility button A located on the toolbar Agag a a 2 Highlight the CPL you wish to print 410 Attached File Manager Ef Buyer CPL 000 NAR Esources20 1 Yw eek 035110194 CPL fave EI andar CRI BARF em reat I a
365. nter direction North South etc of the setback ST1 2 line of the property as shown on the Plat and recorded PR Enter date of recording of Plat DT2 3 as Document No PR Enter Document number ST1 6 Covenants and Restrictions Covenants conditions and restrictions contained in PR Describe the type of document ST1 1 dated PR Enter date of covenants DT2 2 and recorded PR Enter recording date DT2 3 as Document No PR Enter Document number ST1 6 but omitting therefrom any covenant or restriction based on race color religion sex handicap familial status or national origin relating to PR Describe the nature of the restriction if any ST1 7 Covenants Restrictions Forfeiture NOTE Instrument contains a provision for forfeiture or reversion of title in the event of breach thereof Covenants Restrictions No Forfeiture NOTE Instrument contains no provision for forfeiture or reversion of title in the event of breach thereof Public Utility General Easement over and upon the PR Enter direction North South etc of the easement ST1 1 PR Enter number of feet of easement width onto land ST1 2 feet of the land for public utilities and drainage as shown on the Plat and recorded PR Enter date of recording of easement DT2 3 as Document No PR Enter Document number ST1 6 Public Utility Specific Easement over the PR Enter the direction North South etc of the easement
366. nths per month i months 333 33 per month as 4 months per month eo EE months per month i months per month ay ee ATG RESourRCcE User Manual ALL numbers will be outside the column except for Line 1001 which 1s a roll up line totaling all of the items in Section 1000 Line 1001 comes from the GFE 9 The number of months the monthly amount and the total for that line roll up to Line 1001 POCs are also on a per line basis in this section Click the Override button a or press lt Ctrl gt lt O gt to override this section 9 Section 1100 Title Charges Tij Mi jii G fa Ro 1100 Title Charges 1102 Settlement or closing fee to ATG Fees an 800 00 RER 0 00 1103 Owner s title insurance to ATG Fees an from GFE 5 1 345 00 0 00 1104 Lender s title insurance 495 00 eee M to ATG Fees an en 1105 Lender s tithe policy limit 200 000 00 495 00 a a 1106 Owner s title policy limit 300 000 00 1 345 00 aan s portion of the total tithe Insurance to Test A Mem 1108 Underwriters portion of the total title insurance to ATG Fees an 1109 Buyer s Attorney Fee to 1110 Seller s Attomey Fee to 0 00 A e e a Line 1101 is a roll up line of items that are from the GFE 4 Line 1103 1s also referenced by the GFE 5 which includes Lines 1102 1104 additional lines and any lines added that are directed by GFE 4 1 The fees for the Owner s Policy and Loan Policy p
367. ntified in writing by all the members as being the terms and provisions of the articles and agreement under which the limited liability company acquired and holds title or held title should be furnished and this Commitment is subject to such further exceptions 1f any as may then be deemed necessary A Certificate of Good Standing issued by the Secretary of State should be produced and in default thereof the final policy or policies will contain the following exception Consequences if any that may result by reason of the failure of the party in title to the estate or interest in the land described in Schedule A to comply with the applicable doing business laws of the State of Illinois Upon a conveyance or mortgage of the land a certified copy of the proper resolutions authorizing the execution of the deed or mortgage by PR name of LLC ST1 3 an Illinois limited liability company should be produced to ATG for examination and this commitment and any policies committed fort hereunder are subject to such further exceptions as may then be deemed necessary Foreign L L C The following exceptions will appear on all policies issued pursuant to this commitment except to the extent the same are cleared to ATG s satisfaction A certified copy of the Articles of Organization and the Operating Agreement if any of PR Enter the Name of the Foreign L L C ST1 1 should be furnished for examination and this commit
368. nts paid by for borrower line 220 303 Cash From Borrower 202 225 00 103 232 22 98 992 78 400a E Summary of Seller s Transaction 400 Gross Amount Due To Seller Al 401 Contract Sales Price 200000 00 EE 402 Personal Property 403 40 4 405 Maximum number of lines 405 400b Adjustments for items paid by seller in advance 406 County property ta 407 County property ta 406 Special Assessment 409 Homeowner Asc 410 Flood insurance 411 Other taxes 412 413 414 415 416 420 Gross Amount Due To Seller 700 000 00 Maximum number of lines 416 5 Section 500a Reductions in Amount Due to Seller In Section 500a Complete Closing Line 502 Settlement Charges to Seller is a total of charges to Seller from Sections 700 through 1300 Additional lines can be added as disbursement or credit items on the Seller side by entering information on Lines 507 509 ATG REsource User Manual Page 7 35 ATG 5 15 You can also use the Edit Payoff button PF to add payoff information as an addendum to Section 1300 500 501 a 503 AU 505 a06 aire Sis 505 3 Reductions in Amount Due To Seller REAR Payee D C Amount icet Code Eamest money held by seller settlement Charges to Seller line 1400 Existing Loan s Taken Subject ta to O1 Payolf of first mortgage loar to Bank of America E Payolf of second mortgage loan to Do E amest money to D to D to 2 t
369. ny that may result because of the failure of the party in title to the estate or interest in the land described in Schedule A to comply with the applicable doing business laws of the State of Wisconsin Requirement General Lien Notice of PR Liens Enter the type of lien e g Wisconsin Income Tax ST1 1 lien in favor of PR Liens Enter the entity who filed the lien ST1 3 and against PR Liens Enter the entity against whom the lien was filed ST1 2 in the sum of PR Liens Enter the amount of the lien CU1 4 and recorded on PR Liens Enter the recording date of the lien DT2 5 as Document Number PR Liens Enter the document number of the recorded lien ST1 6 Requirement Mechanics Lien Mechanics lien filed by PR Insert name of person or company filing the lien here ST1 1 against PR Insert the person s against whom the lien was filed here ST1 2 on PR Insert the date the lien was filed here DT2 3 as Document Number PR Insert the Document number here ST1 6 in the office of the Register of PR Insert name of the county where the lien was recorded here ST1 7 County Wisconsin in the sum of PR Insert the amount of the lien here CU1 8 Exception Lis Pendens Proceedings Lis Pendens Notice dated PR Insert date of lis pendens here DT2 1 filed by PR Insert name of person s filing the lis pendens here ST1 2 against PR Insert name s of persons receiving the
370. ny filing the lien here ST1 1 against PR Insert the person s against whom the lien was filed here ST1 2 on PR Insert the date the lien was filed here DT2 3 as Document Number PR Insert the Document number here ST1 6 in the office of the Register of PR Insert name of the county where the lien was recorded here ST1 7 County Wisconsin in the sum of PR Insert the amount of the lien here CU1 8 Building Code Violation Lis Pendens dated PR Enter date of Lis Pendens notice DT2 1 and recorded PR Enter date Lis Pendens Notice was recorded DT2 2 as Document Number PR Enter document number of recorded Lis Pendens notice ST1 3 entitled PR Enter Plaintiff s name on Lis Pendens Notice ST1 4 v PR Enter Defendant s name on Lis Pendens Notice ST1 5 Case No PR Enter Case Number on Lis Pendens Notice ST1 6 in the Circuit Court of PR Enter County of pending court proceeding ST1 7 Note We have not made an examination of these proceedings and this commitment and any policies committed for thereunder are subject to such further exceptions as may be deemed necessary The fact as evidenced by the notice recorded as Document Number RP 3 that a violation of any law ordinance or governmental regulation including but not limited to building and zoning laws ordinances or regulations restricting regulating prohibiting or relating to 1 the occupancy use or enjoyment of the l
371. o Peel Peo Pee i 0 00 D is t Per Trik Hamta EEL Diag Debr heor Fishia Experts am ia B feir ggi Eu n Fhir fe thr AnG Pag ad Te ered ep wa CH a Soon m Gabry Tan APS Paes oad Tas m th CHRIS a eu AMG Pres mad Diaan u L CE ai a Deihi ea ANG Pemi ed Tei s 100 s F aiii e SLi 00 Micellar Maxie Changes Shobha Pal On Eu Totahe 40S 213 Bale Dae Saber AAEH wader Dimi d The Closing Statement will populate with information contained in the file To update the Closing Statement with the latest information click the Resyne REsource Data button FRE The Closing Statement will populate and recalculate with the updated information 1f any ATG REsource User Manual Page 13 15 ATG 5 15 Page 13 16 Entering and Editing Data a Double click the row of the desired line item to enter and or edit data The Editor window opens Description j Item Payee Buyer Credits Seller Credits Purchase Price 0 00 213 000 00 Earnest Money z 2 000 00 0 00 Taxf ssessment Prorations Previous Cook County Collector TaxjAssessment Prorations Current idis a 0 00 0 00 Mortgage PayoffsiLender 1 0 00 0 00 The Description Item of any line may be changed if desired Enter the payee s name if any in the Payee field Enter the amount in the Buyer Credits field Seller charge or Seller Credits field Buyer charge Do not type dollar signs or commas they will auto fill Click Update to save or Cancel to exi
372. o Name First NO DB SellerInfo NamelMI NO DB SellerInfo NamelExt NO and DB SellerInfo Name2First NO DB SellerInfo Name2MI NO DB SellerInfo Name2Last NO as contract seller s and DB Buyerlnfo NamelFirst NO DB BuyerInfo NamelMI NO DB BuyerInfo NamelLast NO and DB BuyerInfo Name2First NO DB BuyerInfo Name2MI NO DB BuyerInfo Name2Last NO as contract purchaser Real Estate Taxes Sold PR which installment or both are sold ST1 1 installment s of the PR Year of taxes sold ST1 2 taxes have been sold and are NOT redeemed Memo of Agreement for Deed Memorandum for Recording of Agreement for Deed dated PR Enter date of Deed DT2 1 and recorded PR Enter date the Deed was recorded DT2 2 as Document No PR Enter recorded Document number ST1 5 executed by PR Enter name s of person granting the Deed ST1 6 as Contract Seller s and given to PR Enter the name s of the person receiving the Deed ST1 7 as Contract Buyer s Later Date Text Attached is a list of items filed in the Recorder s Office as of PR Last effective date DT2 1 the date of our last search Dissolution of Marriage Case Dissolution of marriage proceedings filed by PR Insert name of Plaintiff here ST1 1 against PR Insert name of Defendant here ST1 2 in the Circuit Court of PR Insert name of County here ST1 3 County as Case No PR Insert Case number here ST1 4 Page 14 46 ATG REsource User
373. o New Improvements DOC Affidavit of Identity Doc Affidavit of Title DOC Agency Escrow Agreement DOC Agency Escrow Member Closer DOC ALTA Statement DOC ATG 24 Mo Conv Chain of Title DOC ATG 24 Mo Inv Conv Chain of Title DOC ATG FAC Doc ATG Fax DOC ATG Payoff Loan 1 Champaign DOC ATG Payoff Loan 1 Chicago DOC ATG Payoff Loan 2 Champaign DOC ATG Payoff Loan 2 Chicago ATG REsource User Manual ATG 5 15 DOC ATG Search Invoice DOC ATG Search Invoice Champaign DOC ATG Search Invoice Window Doc ATG Search Request DOC Bill of Sale Doc Bill of Sale Corp Doc Bill of Sale LLC DOC Buyer Policy Transmittal DOC Buyer Pre Closing Instructions DOC Cert No Info Reporting Blank DOC Certificate of Release ATG Only DOC Certificate of Release Member DOC Certification No Info Reporting DOC Chicago Transfer Declaration New DOC Closing Info Request Lender DOC Closing Info Request Member DOC Closing Statement DOC Construction Escrow Package DOC Cook County Transfer Dec New DOC CPL DOC CPL Champaign DOC CPL Chicago DOC Deed Corp Warranty DOC Deed Indiv to Corporate DOC Deed LLC Warranty DOC Deed Trust Quit Claim DOC Deed Trust Warranty DOC Deed Trustee s DOC Deed Administrator s DOC Deed Executor s DOC Deed Quitclaim DOC Deed Special Warranty DOC Deed Warranty Indiv Indiv DOC Deed Warranty Tenants in Common DOC Deed Warranty Joint Tenancy DOC Deed Warranty Tenancy by Entirety DOC Directions to
374. o sn Maximum number of lines 509 Adjustments for items unpaid by seller D C Amount T2510 County property taxes wE MESIT County property taxes 01 01 09 to 09 09 09 M 1111 11 Sle Special Assessment to O1 513 Homeowner Asc Dues to CO 514 Flood insurance to Ol 515 Other taxes to rl 516 to 2 517 to D 518 to D ae a tn Mm 500b maximum number of lines 519 6 Lines 600 603 Cash at Settlement From To Seller Complete Closing automatically updates and calculates these fields 600 Cash At Settlement From To Seller 601 Gross Amount due to seller line 420 100 000 00 BUY Less reductions in amt due seller line 520 427 464 18 603 Cash To Seller 57 535 82 J Page Two Tab l Sections 700 1300 a Adding Lines 1 Up to 99 lines can be added to each section 11 Click the Add Line button H or lt Tab gt through the last line 111 Click the Insert Line button or press lt Insert gt b Deleting Lines 1 Click the Delete Line button El or 11 Right click and select Delete from the menu or 111 Press lt Ctrl gt lt Delete gt 2 Section 700 Broker s Commission L Settlement Charges Division of Commission line 700 as follows Acct Code 01 1 500 00 U2 1 500 00 03 Commission Paid at Settlement Page 7 36 FOU Total Sales Broker s Commission based on WO0000_00 NT 3 000 00 Paid From Paid From Account Realtor 2 gets oe Borrower s Seller s Funds Co
375. oasesweuosce 13 25 INSTRUCTIONS FOR PREPARING CITY OF CHICAGO TRANSFER DECLARATION cccccsccssccsccessescccsscessesscesscessescesscussensees 13 26 ROC En 13 27 REQUESTING CLOSING PROTECTION LETTERS CPL USING RESOURCE c ecescscssesesscscecscecscecececececscceveveveraracacseececeaseeavers 13 31 14 STANDARD LANGUAGE ENTRI S penapi a E E a A 14 1 eE S E ETE TEENAA AE L A AEN O E VA AEE TE ELY O EE ae eae 14 1 ADT T Er T n A A E E A AAA 14 1 ASSOCIATION UNINCORPORATED ane na den aAA ie eee EA 14 1 UA EEE A AN E EA EAEN ANE AA cee ea ned dais A E A AEA E TA EEEE A eee A eee peepee eee 14 1 ATOT E ONENI NI rA E A A 14 1 ATTORNEYS LE GUARANTY FUND INU eonia ein e aE aO Ea eaS 14 4 P TI AAA aE ae ee ee Re ee nee ae ee Oe 14 5 S LG eee a et ane E ARA EAEN Ree ee em EAA eee ee Seer Poem nT Sena AAA ARE oem TOR Sena AA E E eens eames 14 5 OP ed dan de ae a aes eee ieee aie essen em eed 14 6 COMMERCIAL PRO RE re ne Am ener em Ee al eee em ty vee me de et el meee erry eaeee 14 6 CONDOMINIUM Be i hig CIS INR eee eee ey eA meee een AMES ee eels em Ee alge AE eR ty eee ane eae AMET ee et Pe mee ee ery eee 14 9 CON Ra ence E AN AE EAE EEA de cd 14 11 Oars saan descends EE as E PE EE RIAA o EA E A eee aces EPEE E A A S E E ET 14 14 OO E AA AA AE EAE 14 14 CORPORATIONS DOMESTIC Sana nee Mee eater Remy aa EAA A AEA E E E 14 15 CORPORATIONS OR A A E A E S 14 16 CORPORATIONS ST 1 Oy 6 6 lt a eee ee ene ee ae ne een A A a E aA Creer a E EAA N EINE
376. ocument number here ST1 5 Lien Mechanics Wisconsin Mechanics lien filed by PR Insert name of person or company filing the lien here ST1 1 against PR Insert the person s against whom the lien was filed here ST1 2 on PR Insert the date the lien was filed here DT2 3 as Document Number PR Insert the Document number here ST1 6 in the office of the Register of Deeds of PR Insert name of the county where the lien was recorded here ST1 7 County Wisconsin in the sum of PR Insert the amount of the lien here CU1 8 Lis Pendens Wisconsin Lis Pendens Notice dated PR Insert date of lis pendens here DT2 1 filed by PR Insert name of person s filing the lis pendens here ST1 2 against PR Insert name s of persons receiving the lis pendens here ST1 3 in Case No PR Insert case number here ST1 4 in the Circuit Court of PR Insert name of County here ST1 5 County Wisconsin and recorded on PR Insert date of recording here DT2 6 as Document No PR Insert Document number here ST1 9 ATG REsource User Manual Page 14 63 ATG 5 15 Taxes Real Estate Wisconsin The lien of taxes for the year PR Insert current year IN1 3 and thereafter Year PR Enter prior year IN1 4 taxes of PR Enter amount CU1 5 are PR PAID UNPAID amp DUE NOT YET DUE amp PAYABLE ST1 6 Year PR Enter current year IN1 7 are not yet due or payable PIN No PR Enter PIN number
377. of 40 000 00 and other such sums as provided therein uted by Bart 2 Ins Mortg Desc 0 SECUrE a Owner Sched B Moro Sched B Mortg Sched Bll Insured Mortg 2nd Morg SchidE 2nd Ins Mortg Desc T 4 l Enter the second Loan Policy number in the 2 Mortg Policy Number field The policy number should be the same as the file number followed by A 2 Select the 2 Morts Sched B sub tab 3 Click the Create Sched B from 1 Policy button The Schedule B exception from the first Morts Sched B sub tab and the first Insured Mortg sub tab will be copied into the text box under the 2 Mortg Sched B sub tab Fa Commitment Policy Binder Commitment Policy Logging fl Cmt Sched SchedB Policy Policy Options Owner Policy Number 100900701807 01 By Date pan Time Mortgagee Policy Number fi 00900701 807 01 Z 2nd Mortg Policy Number fi 009007 01 807 014 Be zl Under iter Report Date FF Premium Infomation Diner Premium 1 445 00 Ea Premi Mortgagees Premium 595 00 EU Create Sched B from 1 Policy fal 3 S 8 S 2nd Mortg Sched B Taxes for the year 2009 and thereatter First installment 2009 taxes in the amount of 1 000 00 is Faid Second installment 2009 taxes in the amount of 1 000 00 is Not yet due or payable Taxes for the year 4010 are not yet due and payable Permanent Index No Cuner Sched B Wortg Sched E Mortg Sched E Il Insured Mortg
378. of Executor ST1 1 Executor by terms of the will of PR Enter name of deceased person ST1 2 deceased Page 14 18 ATG REsource User Manual ATG 5 15 Right title and interest of PR Enter names of person s taking under the will ST1 1 devisee s under the unproven will of PR Enter the name of the deceased person ST1 2 deceased Personal Representative Commitment This Commitment is made on the assumption that title to the land is to be derived through a conveyance by PR Enter name of estate personal representative ST1 1 the personal representative pursuant to the power of sale conferred under the last will and testament of PR Enter name of deceasedperson ST1 2 deceased If title is to be derived through a deed by one other than the personal representative of the estate of PR Enter name of deceased person ST1 1 deceased during the pendency of said proceeding a proper order should be entered divesting said personal representative of the rights and powers granted under the Probate Act or an instrument of distribution and release should be recorded pursuant to the Probate Act Sale Court Ordered Sale Order entered on PR Enter date of court order DT2 1 in the proceeding entitled Estate of PR Enter name of deceased person ST1 2 Deceased Case No PR Enter case number ST1 3 providing that the land be sold as provided in said order Sale Independent Representative If t
379. of judgment here DT2 5 in the PR Insert name of court circuit appellate etc here ST1 6 court of PR Insert name of County here ST1 7 County in favor of PR Insert name s of winning person s here ST1 8 against PR Insert name s of losing person s here ST1 9 in the amount of PR Insert amount of judgment here in dollars and cents CU1 10 Lien Mechanics Mechanics lien filed by PR Insert name of person or company filing the lien here ST1 1 against PR Insert the person s against whom the lien was filed here ST1 2 on PR Insert the date the lien was filed here DT2 3 and recorded PR Insert the Date the Lien was Recorded DT2 7 as Document No PR Insert the Document number here ST1 6 in the office of the Recorder of PR Insert name of the county where the lien was recorded here ST1 7 County Illinois in the sum of PR Insert the amount of the lien here CU1 8 Lien Mobile Home Tax Notice of Lien claimed by the County of PR Enter name of County claiming the lien ST1 1 under the provisions of the Mobile Home Local Services Tax Act against PR Enter name s of person who owes themoney ST1 2 in the sum of PR Enter amount of money they owe CU1 3 which Notice was recorded PR Enter date the lien was recorded DT2 4 as Document No PR Enter recorded Document number of the lien ST1 5 Lien Public Aid Notice of Lien claimed by the State of Illinois under
380. of recording DT2 2 as Document No PR Insert Document number ST1 3 Environmental Disclosure Document Wisconsin Environmental disclosure document for transfer of real property dated PR Enter date environmental document was created DT2 1 and recorded PR Enter date environmental document was recorded DT2 2 as Document No PR Enter environmental Document number ST1 3 in the Register of Deeds Office of PR Enter name of County where environmental document was recorded ST1 6 County Wisconsin Environmental Lien Wisconsin Environmental lien filed by PR Enter name of entity filing the environmental lien ST1 1 against PR Enter name of entity that environmental lien was filed against ST1 2 on PR Enter date that environmental lien was filed DT2 3 as Document No PR Enter environmental document number ST1 4 in the office of the Register of Deeds of PR Enter County where environmental lien was recorded ST1 7 County Wisconsin in the sum of PR Enter amount of environmental lien in dollars and cents CU1 8 Lien Child Support Wisconsin Child support judgment filed against PR Insert name of person s who received judgment here ST1 1 in Case No PR Insert Case number here ST1 2 in the Circuit Court of PR Insert name of Countyhere ST1 3 County Wisconsin memorandum of which was recorded on PR Insert date the judgment was recorded here DT2 4 as Document No PR Insert D
381. of the encroachment ST1 2 building line by PR Enter number of feet of encroachment IN4 3 feet Encroachments Insured Land Easement A survey discloses that the PR Describe the structure that is encroaching ST1 1 located upon the insured premises encroaches onto the utility easement located on the PR Enter direction of the encroachement ST1 2 of the land by PR Enter number of feet of the encroachment IN4 3 feet Encroachments Insured Land Lot Line A survey discloses that the PR Describe the structure encroaching ST1 1 located upon the insured premises encroaches upon the property PR Enter direction of encroachment ST1 2 and adjoining by PR Enter number of feet of encroachment IN4 3 feet Survey Survey reflecting proposed legal description of land to be insured Legal Lot PR spell out lot number ST1 1 PR numerical lot number ST1 2 as designated upon the Plat of PR subdivisionname ST1 3 being a Subdivision of part of the PR quarter section etc ST1 4 of Section PR Section number ST1 5 in Township PR Township number ST1 6 North Range PR Range ST1 7 East of the PR which principalmeridian ST1 8 Principal Meridian the Plat of which Subdivision is recorded in Book PR Book ST1 9 of Plats on page PR page ST1 10 in the Recorder s Office of County Illinois situated in the County of and State of Illinois Plat Notes Notes as contained on the recorded Plat of Su
382. ontains a group of related exceptions that will display on the left side of the window 3 To select exception language double click the desired exception or click once on the exception and click the right arrow button T to move the exception to the right side ATG REsource User Manual Page 5 9 ATG 5 15 NOTE Several exceptions may be selected at one time For a list of all Standard Language see the Standard Language Entries section in this manual To create your own Standard Language see the Creating Standard Language section in this manual fa Select Standard Language Items E Category Subdivisions Search By Description l Total Selected P Building Setback Subdivisions Building Setback Covenants Subdivisions Covenants amp Restrictions Covenants amp Restrictions Subdivisions 4 Covenants Restrictions F orfeiture Subdivisions Covenants Restrictions No Forfeiture Subdivisions Eagle View Subdivision Subdivisions Bl Eagle View Subdivision Subdivisions Fox Creek Subdivision Subdivisions General Covenants Subdivisions General Subdivision Exceptions Subdivisions Greencroft Phase IY Subdivision Subdivisions w Fa paces Between Paragraphs J K X Cancel One Two 4 Click OK J OK when finished selecting exceptions 5 If the selected exception contains specific information such as documents numbers dates or names a prompt will display Enter the necessary in
383. ontracts between the plaintiff and the owner s and all persons who have or may assert liens under the Illinois Mechanics Lien Act 770 ILCS 60 0 01 et seq against the land NOTE If it is known that any of the parties listed herein are deceased their heirs or devisees should be made parties by name if known and if unknown by the name and description of UNKNOWNHEIRS OR DEVISEES OF such deceased person or persons If it is not known or cannot be ascertained whether any of said necessary parties be living or dead then such parties should be made parties by name and such persons as would be their heirs or devisees should also be made parties to the proceeding as UNKNOWN OWNERS In this connection we direct your attention to Section2 413 of the Code of Civil Procedure NOTE In the event that there are any persons whose claims or interests are not disclosed by a document recorded at the time a proper lis pendens under Section 2 1901 of the Code of Civil Procedure has been recorded such persons should be named and made parties under the description UNKNOWN NECESSARY PARTIES In this connection we direct your attention to Section 2 413 of the Code of Civil Procedure NOTE In the event that there are any persons who are necessary parties to the contemplated proceeding but the names of such persons are unknown and unascertainable then and in that event only such persons should be made parties under the description of UNKNOWN O
384. or Attorney Buyer Seller Payee on HUD lt Insert gt Inserts a Buyer or Seller Property New Note New Line in the HUD lt Ctrl gt lt Delete gt Deletes a Buyer or Seller Property Note Line in the HUD lt F6 gt Inserts Current Date lt Ctril gt lt C gt Copy text lt Ctril gt lt X gt Cut text lt Ctrl gt lt V gt Paste text lt Ctrl gt lt Z gt Undo Commitment Policy Tabs lt Ctrl gt lt G gt Displays Full Screen lt Ctri gt lt N gt Inserts Numbered Paragraphs Special Exceptions lt Ctrl gt lt F2 gt Initiates Spell Check lt Ctrl gt lt D gt Inserts Degree Sign lt Ctrl gt lt P gt Print Current Tab ATG REsource User Manual ATG 5 15 F Resizing Windows Occasionally you may wish to resize the window or move it to fit the screen better Adjust the size of the windows by using the Minimize Maximize mi and Restore y buttons located in the upper right corner or double click the Title Bar of the currently displayed window Adjust the location of a window by dragging and dropping the Title Bar G Opening and Closing Windows Use the Close button x to close a window Click the button or drop down menu to open a window NOTE Do not open multiple data entry windows concurrently Doing so will prevent data updates H Help Files In addition to this manual help is available on all data entry screens by pressing
385. order to issue a Survey Endorsement on the final policy we must be provided with a survey of the property dated within the previous six months showing all parcels as described on Schedule A Zoning 3 0 Endorsement In order to issue a Zoning 3 0 Endorsement on the final policy approval must be obtained from an ATG underwriter Please call PR Enter name and telephone number of ATG underwriter ST1 1 for additional requirements Zoning 3 1 Endorsement In order to issue a Zoning 3 1 Endorsement on the final policy we must be provided with a survey of the property dated within the previous six months that includes all of the land contained in Schedule A shows the location of all buildings on the land and that indicates the area width and depth of the land the floor space area of the buildings on the land the location of the buildings in relation to any setback requirements the height of the buildings and if additional coverage for parking is required the number and location of all parking spaces including any handicapped or other special use parking In addition approval must be obtained from an ATG underwriter Please call PR Enter name and telephone number of ATG underwriter ST1 1 for additional requirements Standard Exception Waiver To waive Standard Exception No 1 Right or claims of parties in possession not shown by the public records from the Owner s Policy furnish ATG with an ALTA Statement and a land survey m
386. ore parts any part of which is less than five acres compliance must be made with the Plat Act ATG RESourRce User Manual Page 14 73 ATG 5 15 Right of Way Roads and Highways Rights of the public State of DB Property State NO and the municipality in and to that part of the premises in question taken used or dedicated for roads streets alleys or highways Right of Way Drainage Tiles Rights of way for drainage tiles ditches feeders and laterals WATERWAYS Meandered Lake River Rights if any of the United States of America the State of Illinois the municipality and the public in and to so much of the land if any as may have been formed by means other than natural accretions or may be covered by the waters of PR Enter name of lake river creek or stream ST1 1 Flood Risks Possible flood risks affecting the land and other land as disclosed by PR Enter what type of recorded document is being reviewed ST1 1 recorded PR Enter date Document was recorded DT2 2 as Document No PR Enter recorded Document number ST1 3 Private Rights Rights of the adjacent property owners in and to the free and unobstructed flow of the waters of PR Enter name of lake river creek or stream ST1 1 a part of which is located adjacent to or within the insured premises Public Rights Rights of the United States of America the State of Illinois the municipality and the public in and to that part of the la
387. osing Document Viewer Shortcut Shortcut screen until a tab will appears and fiteandroldertasks Complete Closing 1099 Complete Closing Enterprise Complete Closing Escrow b Shortcut D Accounting 1 KB Shortcut click the Minimize button Sees Details y Ci To reopen your REsource session click the REsource button on your task bar along the bottom of the screen D To log out of your REsource session D click Start and select Log Off Use Name Complete Closing Paperless Closer Alarms Shortcut Complete Closing Order Tracking E Shortcut Complete Closing Reports Shortcut 1 KB Complete Closing Scheduler Shortcut 1 KB IX COMPLETE CLOSING ENTERPRISE 3 Complete Closing Enterprise Shortcut A To begin double click the Complete Closing Enterprise icon es on the REsource desktop Complete Closing Enterprise 6 5 OI x File Data Entry Utilities Window ATGFExtensions Help bs Yy Eu m amp Flex fos ci A Fi F1 Pi Betty Seller and Barney Seller TO Bart J Buyer 1234 Maple Lane Chicago IL 60609 Sandi Allfrey Page 1 4 ATG REsource User Manual ATG 5 15 From Complete Closing you can prepare the Commitment HUD 1 Settlement Statement Checks for Disbursement Policies Endorsements and most Closing Documents B Tool Buttons be Y ch di Fileg Moomins ci NS LS ff Hover the cursor over any button a tag will appear identif
388. ource User Manual ATG 5 15 PREDATORY LENDING Predatory Lending Commitment Note for Information The land lies within the area designated under the predatory lending database program 765ILCS 77 70 et seq A Compliance Certificate or an Exempt Certificate must be obtained from the Illinois Department of Financial and Professional Regulation and recorded simultaneously with the mortgage to be insured hereunder If the certificates are not obtained the policy or policies to be issued will be subject to the following exception Consequences of the failure to obtain and record a Certificate of Compliance or an Exempt Certificate as required pursuant to the predatory lending database program 765 ILCS 77 70 et seq PROBATE ESTATES Standard Exceptions Any claims against the DB SellerInfo BusinessName SN1 deceased Federal and Illinois estate taxes which may be charged against the DB SellerInfo BusinessName SN1 deceased Statutory rights powers and duties of the Executor of the DB SellerInfo BusinessName SN1 deceased Power of sale conferred upon DB SellerInfo Name1 First SN1 DB SellerInfo NamelMI SN1 DB SellerInfo NamelLast SN1 by the terms of the Will of PR enter name of deceased ST1 1 deceased Any conveyance of the land by the Executor should recite that the same is executed pursuant to the power and authority vested in said representative by the Last Will and Testament of PR enter name of decea
389. overlaps boundary line disputes and any matters that would be disclosed by an accurate survey and inspection of the premises Easements or claims of easements not shown by the public records Taxes or special assessments that are not shown as existing liens by the public records ATG RESOURCE User Manual Page 14 33 ATG 5 15 Deed of Conveyance Execution of deed of conveyance from PR Name of Grantor ST1 1 to PR Name of Grantee ST1 2 MINOR S ESTATES General Wisconsin Proceedings pending in the Circuit Court of PR Enter name of County ST1 1 County entitled Estate of PR Enter name of minor ST1 2 a minor under Case No PR Enter minor s case number ST1 3 Any conveyance of the land must be made by the guardian of the Estate of PR Enter name of minor ST1 1 a minor pursuant to a proper order entered in Case No PR Enter minor s case number ST1 2 and such conveyance should recite that the same is executed pursuant to a proper order entered in Case No RP 2 ordering the conveyance and should recite therein the full consideration for which it is given In addition the guardian should file any bond required by the court under Section 880 13 of the Wisconsin statutes Statutory right powers and duties of the guardian of the Estate of PR Enter name of minor ST1 1 a minor General Proceedings pending in the Circuit Court of PR Enter name of County ST1 1 County entitled E
390. p HUD Only RS A Planned Unit Development 1 ALTA 5 Statutory CPL Lender Select the desired services Typical services include a Search No Prior or Search With Prior b Endorsements if known C Type of Property and Transaction Type d Full Closing unless your office is authorized to close Submit Services Click the Submit Services button When finished Page 13 11 16 Click Continue Submitting Services please wait Adding Services Your estimated fees are 670 17 Your order is now complete and the File Number displays services for file 120900102459 18 Click the Return to Lobby button Return to lobby to continue or to logoff B Checking the Status of an Order l From the Lobby click the desired File Number Lobby New Order Tasks Tutorial Help Version Logout Displaying Records 1837 1866 of 1866 Order Status File Number m x Buyer s Seller s Property Chicago IL 120900102423 6 11 2012 4 30 2012 John Smith Bob Buyer es Main Chicago IL 1209001024276 11 2012 7 25 2012 Joe Buyer Sally Seller 123 Main chicago IL 60606 120900102431 os 1 2012 nn Buyer Sam Seller 123 main Naperville IL 120900102437 en John A Seller and Jane Seller husband and wife 444 Oak Lombard IL 63900 120900102433 6 14 2012 6 21 2012 Joe Buyer Sally Seller 123 chicago IL 2 From the Conference Room select File Status Conference
391. partition contribution and possession The right of the United States government to sell the entire property to enforce a tax lien against any co tenant of the land The right of a creditor trustee or debtor in possession to sell the entire property in the event of a bankruptcy of any co tenant of the land COMMERCIAL PROPERTY Gap Loss or damage by reason of there being recorded in the public records any deeds mortgages lis pendens liens or other title encumbrances subsequent to the Commitment date and prior to the effective date of the final Policy Page 14 6 ATG REsource User Manual ATG 5 15 Commercial Broker Lien Information should be furnished establishing whether any written agreement has been entered into by and between any party or broker for the purposes of buying selling leasing or otherwise conveying any interest in the land described herein and if any such agreement has been entered into satisfactory evidence should be furnished establishing that the compensation agreed upon in such agreement has been paid and the broker s lien or right to a lien for such amount has been extinguished In the event the evidence is not furnished our policy or policies when issued will be subject to the following exception Any lien or right to a lien imposed by law under the provisions of the Commercial Real Estate Broker Lien Act and not shown in the public records for compensation agreed upon by a bro
392. perty Roads and Highways Rights of the public the State of Illinois and the municipality in and to that part of the premises in question taken or used for roads or highways Minerals This Commitment and any policy issued subsequent thereto does not insure title to any minerals underlying premises in question Title to those minerals was not included in this examination Drainage District The premises fall within the boundaries of the Drainage District and are subject to assessment therein An annual maintenance assessment may be included with the real estate tax bill Urbana Recycling Tax This property is subject to assessment by the City of Urbana with respect to the Recycling Tax Non payment may create a lien against the real estate Note There is presently no outstanding lien of record on the property Mineral Estate All rights and easements in favor of the owner of the mineral estate or of any party claiming by through or under said estate CO OWNERSHIP Co ownership Creditor s Rights The right of a creditor trustee or debtor in possession to sell the entire property in the event of a bankruptcy of any co tenant of the land Co ownership Partition Rights of co tenants to partition contribution and possession Co ownership Tax Sale The right of the United States government to sell the entire property to enforce a tax lien against any co tenant of the land Fractional Interest Rights of co tenants to
393. ports are available from the Reports menu A Deposits for a Date Range l The Deposits for a Date Range report provides details on all deposits made to an escrow account within a defined date range Deposits are included whether they have been reconciled or not For each deposit the report displays the Date Transaction ID File Number Description and Amount It also calculates the total for all receipts This report may be useful for investigating discrepancies in your Bank Reconciliation or the Three Way Balance components 2 To run the report a Select Reports gt Deposits for a Date Range or press lt Alt gt lt R gt then lt D gt at Book Balance Deposits Starting Date protons FA Ending Date josvenv2013 FA x Cancel b From the Select Bank drop down select the escrow account NOTE The Bank drop down list displays only region specific banks 1 e Region 1 users see only Region 1 banks C Enter the Starting Date or click the Calendar button Ha to select a date d Enter the Ending Date or click the Calendar button FA to select a date e Click OK to run the report or click Cancel to exit the screen without saving changes Deposits for 01 01 2013 through 05 20 2013 Prepared 5 20 13 RECONTEST Bank Receipts Date Transaction ID File Description Amount 215 13 130900102607 1 130900102607 99001 Loan Amount 81 906 43 215 13 130900102607 2 130900102607 99001 Funds from Buyer 20 334 11 2 26
394. print D Documents el x Print Documents Prompts Global Prompts Commitment Policy Prompts DOC ATG 24 Mo Cony Chain of Title H DOC Bill of Sale E DOC Deed Administrator s Enter county in which probate proceeding is filed CourtCounty Cook Enter the actual consideration for the property DeedConsideration 250 000 00 Enter probate proceeding case number ProbateCase Per ti DOC CPL H DOC ATG Payoff Loan 1 DOC CPL Chicago saf Prompt Entered by RQTEST Last Modified by ROTEST Date Entered 04 4 4 2008 1 06 pm Modified Date 04 14 2008 1 35 pm ATG RESOURCE User Manual Page 6 5 ATG 5 15 VI VII VIII Page 6 6 DOCUMENT HISTORY TiM om The Display Change Log button a that have been made to a prompt fi Document History DOC Deed Administrator s x Modified Date Prompt Value located at the bottom left corner displays a history of any changes 4102008 1 24 32 Phi Sandi Allfrey CourtCounty Inserted cook 47072008 1 24 55 PM Sandi Allfrey ProbateCase Inserted 123123 4102008 1 24 58 Phi Sandi Allfrey DeedConsiderati Inserted 100000 4710 2008 1 25 53 PM Sandi Allfrey CourtCounty Updated Dupage 4710 2008 1 27 08 PM Sandi Allfrey Probatelase Updated 5555555555555 ADDITIONAL FEATURES A gt Select Document Double click or click the Select icon to move the document to the print list on the right B f Clear Selections Clears all documents in the print list on the
395. ptive rights have been duly waived by the Board of Managers Directors and the rights of the Board thereunder have terminated Furnish ATG with a certificate executed and acknowledged by the Secretary of the Board of Managers Directors stating that there are no unpaid assessment liens arising by reason of the nonpayment of assessments as per the Condominium Declaration Condominium Policy Wisconsin Terms provisions covenants conditions and options in rights and easements established by the Declaration of Condominium Ownership recorded PR Enter date of Condominium Declaration recording DT2 1 as Document No PR Enter Document number ST1 4 as amended from time to time Limitations and conditions imposed by the Wisconsin Condominium Ownership Act Legal Description Unit Wisconsin Parcel 1 Unit PR Condo Legal Enter condominium unit number ST1 1 in the PR Condo Legal Enter the condominium name ST1 2 Condominium as depicted on the Plat of Survey of the following described real estate PR Condo Legal Enter base legal description ST2 3 which Plat of Survey is attached as Exhibit PR Condo Legal Enter the Exhibit letter or number of thePlat ST1 4 to the Declaration of Condominium Ownership recorded PR Condo Legal Enter date of recording of condo declaration DT2 5 in the Office of the Register of Deeds of PR Condo Legal Enter county of recorded declaration ST1 6 County DB Property
396. r ATG will not provide settlement services Page 4 7 Page 4 8 xiii XIV 11 111 V Search Tab Tax Payment An ATG charge for paying real estate taxes for property located in the Chicago area Water Payment An ATG charge for paying water bills for property located in the City of Chicago NOTE Deed and money closings and 1031 Starker exchanges must be scheduled through the Closing Services Department Other Fees Escrow Fee The fee for ATG s Escrow Department or the member to hold an escrow Regional Package Used by Regional Companies only Regions 6000 9000 Mortgage Compliance Certificate The fee for obtaining the mortgage compliance certificate through the Anti Predatory Lending Data base Mortgage Exemption Certificate The fee for obtaining the mortgage compliance exemption through the Anti Predatory Lending Database ATG Services Title Prep Endorsements Closing Search Rec Misc Commercial Other Search T Initial Full wo Prior F Initial Full w Prior PF J amp L Search Only F Minutes of Foreclosure T Record Owner Redemptions Rush Search Tax amp Assessment Only water Certification F Water Bill Payment Fee F 24 Month Chain of Title PF Non ATG Search ATG Certified Copies 2555 ne Certificate of Payment oo Seo ee E _HocahoniNote ese eens
397. r amount of the Trust Deed CU1 8 and such other sums as provided therein Mortgage WFAC Mortgage with future advance clause dated PR Date of Mortgage DT2 1 and recorded PR Date ofRecording DT2 2 as Document No PR Recorded Document No ST1 3 executed by PR Names ofMortgagors ST1 4 and given to PR Name of Mortgagee ST1 5 to secure a note in the amount of PR Amount of Mortgage CU1 6 and such other sums as provided therein Titleholder s Mortgage Mortgage dated PR Enter Date of Mortgage DT2 1 and recorded PR Enter date mortgage was recorded DT2 2 as Document No PR Enter Document No of mortgage ST1 3 executed by DB CommitPolicy CurrentHolders NO and given to PR Enter Name of mortgagee ST1 5 to secure a note in the amount of PR Enter amount of mortgage CU1 6 and such other sums as provided therein Existing Mortgage Mortgage dated PR Enter Date of Mortgage DT2 1 and recorded PR Enter date mortgage was recorded DT2 2 as Document No PR Enter Document No of mortgage ST1 3 executed by PR Enter name s of Mortgagor s ST1 4 and given to PR Enter Name of mortgagee ST1 5 to secure a note in the amount of PR Enter amount of mortgage CU1 6 and such other sums as provided therein New Mortgage Mortgage dated PR Date of Mortgage DT2 1 and recorded PR Date of Recording DT2 2 as Document No PR Document Number ST1 3 executed by DB Commi
398. r P amp l MI 000 Can Interest Rate Rise No 0 0 0 0 Can Balance Rise even with timely payments No Can Monthly PIMI Payment Rise even with timely payments No 0 01 0 01 Does Loan Have a Prepayment Penalty No 0 01 Does Loan Have Balloon Payment Provision No 0 01 0 Does Loan Have Monthly Escrow Account Payments No 0 00 HUD 1 Addendum Use the Addendum screen to itemize or breakdown charges referenced on the HUD 1 such as seller paid closing costs or to comply with VA requirements a To open the Addendum screen click the HUD Addendum button El on the main toolbar Enter a description in the Description of Charges field itemized on this addendum such as the HUD line number and or the description from the HUD line you are itemizing The number of addendums for this order displays To add charges from the HUD 1 enter the HUD Line Number The amount and description automatically populates based on the HUD 1 amount NOTE The HUD 1 Amount field is read only and cannot be changed Enter the HUD line number or description of the item that is part of the grouped charge or credit Enter the amount of the item in the Addendum Amount field Continue entering items as necessary Page 7 23 Page 7 24 7 Use the button to add a new addendum and the button to delete the current addendum Enter a Description and Addendum Amount for each item Click
399. r case number of bankruptcy ST1 4 notice of which was recorded on PR Enter date of recording of bankruptcy notice DT2 5 as Document PR Enter recorded document number ST 1 6 Page 14 74 ATG REsource User Manual ATG 5 15 Exception Trusts Terms and Limitations Terms powers provisions and limitations of the trust under which title to the land 1s held Exception Condominium Conversion Construction Loan Policy Exceptions Terms provisions covenants conditions and options in rights and easements established by the Declaration of Condominium Ownership recorded as Document No PR Enter Document Number IN1 1 as amended from time to time its bylaws and association rules Limitations and conditions imposed by Wisconsin Statutes Chapter 703 referred to as the Wisconsin Condominium Ownership Act Any lien or right to a lien for services labor or material heretofore or hereafter furnished imposed by law and not shown by the public records including without limiting the generality of the foregoing liens or rights to a lien arising from contracts in connection with the construction of improvements or conversion of the existing building or buildings on the land to a condominium This commitment is subject to the review and approval of the condominium declaration and plat by the Underwriting Department of ATG This commitment is subject to such additional exceptions if any as may be disclosed upon a search of the
400. r click anywhere in the Description to highlight it or use the Navigation buttons i gt at the top of the window to move from one deposit to another For the selected deposit Complete Closing also displays the Description Amount Payor Deposit Date Type of Funds and Expected Wire date if applicable in editable fields on the left side of the window When indicated that the Type of Funds is Wire a Wire Number field appears below the Type of Funds drop down box Make any needed changes to deposits using these fields You will need to change the amount of an item if the check you receive 1s different from the expected amount You may also need to change the checks on the Checks tab to compensate Only enter the date when the receipt is actually deposited since a date entry indicates to the program that the receipt is received and in the bank When your changes are complete click the Post Current Deposit button j Create To add a deposit click the Create button L The program creates a new blank line in the display window on the right and is ready for your entries in the fields at the left Enter the Description Amount Payor Deposit Date Type of Funds and Expected Wire date if applicable Complete Closing automatically creates and displays a Transaction ID to the right of the Deposit Date field You can either post the deposit immediately or wait until an appropriate later date To delete a d
401. r i 009001 01 807 01 El Commitment Policy Logging Underwriter Report Date p Dan ee Owner Premium 1 445 00 7 Mortgagee Premium 595 00 a Premiums 4 S B Mortg Sched B It Mortgage dated June 3 2010 and recorded June 4 2010 as Document Mo 12333333 executed by Bart J Buyer and given to Chase Mortgage to secure a note in the amount of 20 000 and other such sums as provided therein Mortg Sched B Il Owner Sched B Mortg Sched E Mortg Sched E Il The Schedule B Part II language will automatically print on the Schedule B Part II document Click the Lookup Standard Language Items button f to select the mortgage exception language or other matters that may be required in this section Title Vested In Remember that all exceptions raised under the Schedule B Part II must also be included on the Owner s Policy Schedule B Exceptions should be copied from the Morts Sched B Part II sub tab to the Owner Sched B sub tab Please follow the instructions below to copy the Schedule B Part II to Schedule B of the Owner s Policy I After entering the Schedule B Part II language highlight the text 2 Press lt Ctrl gt lt C gt to copy the text 3 Select the Owner Sched B sub tab 4 Place the cursor in the desired text area and press lt Ctrl gt lt V gt to paste the text 5 When printing the Loan Policy remember also to print the Loan Policy Schedule B Part IT document if required
402. r the ATG Pkg Owner Pol 06 to print the Owner s Policy fi Documents iof Print Documents Category Sort by State D A H H State Description Print wio iew Print Documents g Page 10 6 ATG REsource User Manual ATG 5 15 NOTES ATG RESOURCE User Manual Page 10 7 ATG 5 15 1 1 Two Mortgages One Loan Policy AN AIG 11 TWO MORTGAGES ONE LOAN POLICY When there are two mortgages given on the same property at the time of closing the lender will require that either two separate Loan Policies are issued insuring each mortgage or that both mortgages are insured on one Loan Policy Always check with the lender prior to closing to determine specific requirements Follow the instructions below to prepare one Loan Policy insuring two mortgages The next chapter addresses preparing two Loan Policies one for each mortgage I POLICY PREPARATION To prepare a Loan Policy insuring two mortgages prepare the Owner s Policy and Loan Policy following all instructions listed in the Policy Preparation section of this manual and then do the following A Go to Order Entry and select the Loan tab Under 2nd Loan Information enter the Loan Amount and Lender name Close Order Entry fad Order Entry Main Buyer Seller Loan Property sales Price Earnest Money Loan Amount 300 000 00 200 000 00 Owner Policy Liability Override Mortgage Broker Loan Policy Liability Override
403. r the party liable for payment Buyer or Seller double click the Amount field The Consumer Charge Override dialog box displays Consumer Charge Override Service Name Location Total Charge 95 00 Buyer Charge 25 00 Seller Charge 0 00 HUD Line 105 mea Enter the desired amount in the Buyer Charge or Seller Charge field and click OK Do not use dollar signs or commas Wisconsin Members Since rates are filed in Wisconsin and there is a rate range from minimum charge to maximum charge you will have to override the default amount for the consumer on every transaction Because of the rate range REsource is unable to determine what you may be charging on any given transaction and therefore the charge displayed will be an average between maximum rate and minimum rate b Standard Underwriting Fee 1 11 111 ATG RESOURCE User Manual ATG 5 15 To override the Standard Underwriting Fee double click the Amount field The Special Rate dialog box displays Special Rate Service Name OP Premium lesue Date 20050202 Default Amount 275 00 Issued By USER Authorization 0000 Special Rate 0 00 us Enter the desired amount in the Special Rate field and click OK Do not use dollar signs or commas Enter the Authorization number if any NOTE Special Rates for underwriting premiums must be authorized by ATG Staff Attorneys NOTE All overridden amounts will
404. radio button 5 and enter a keyword in the Search field For example typing deed in the Search field will display all document with the word deed as a part of the document name Documents can be filtered by using the Category drop down 2 El Groups of documents types such as Affidavit Commitment Deeds etc are listed The Exact and Contains search also works within Categories The Sort by State checkbox Sort by State lists the documents by state Select the state from the Filter by State drop down Fer Py state El to display documents available in a state Fa Documents _ Print Documents Prompts Category Sort by State D Fitter by stat f Exact Contains a 4 l Description Print wio view Print Documents 2 ATG REsource User Manual ATG 5 15 IL PRINTING A RESOURCE DOCUMENT To select document s to print highlight the document s and either double click the document name or click the Select Document button to move the document s to the Print Document list on the right Fa Documents Mel x Print Documents Category Sort by State D a J sl p Description ATS Wire Instructions Champaign l ATS Wire Instructions Chicago ATG Wire Instructions Commercial ATS OMC Package ATS OMC Package 2006 ATO OMC Package 2006 2973 ATO OMC _ Package 2006 2973 2010 IN ATO OMC Package 2006 2973 BUYER ATO OMC Package 2006 2973 I
405. rally found within the Legal Description If the property is a condominium enter the Name of the Condominium as the Subdivision Name 3 Block Enter the Block Number The Block Number is generally found in the Legal Description For condominium property enter the Unit Number in the Block field and edit the Brief Legal Description accordingly ATG REsource User Manual ATG 5 15 ATG RESouRCE User Manual ATG 5 15 Lot Enter the Lot Number The Lot Number is generally found in the Legal Description County Enter the first few letters of the county where the property is located to display a drop down list of counties Select the desired county NOTE The County is required for calculation of the ATG premium Township Enter the first few letters of the Township to display a drop down list of townships Select the desired township Override Legal For Section Ground Legal Description check the Override Auto Legal box Enter Legal Description as Section No Township Range Quarter Section County Name Legal Description VW Override Auto Legal Description Section 31 Te ASW PENE 1 4 Su 1 4 MONROE County Address To auto fill the Street Address with that of the Buyer or Seller click the Set the Property Address to the Buyer s Address button B or the Set the Property Address to the Seller s Address button located at the top right Otherwise enter the property address The Tax Sale Date Tax Redemption
406. ranch None Title Unit Escrow Unit x Cancel 4 Click the File Number field and enter the original file number followed by A EXAMPLE Original file number 100900101481 New duplicate file 100900101481 A 5 Click OK The Order Entry tab displays B Using a Template for Order Entry The Use Template feature will copy all Order Entry data from an existing file or from a template file There is also a Use Template feature to copy the commitment and policy data from an existing file or from a template file NOTE It is recommended that you use the Template feature prior to adding data to the file Two confirmation messages will display upon selecting Use Template indicating that any data previously entered in the Order Entry tabs will be deleted and replaced with the data from the selected existing file A l Click the Order Entry button 1 or the Data Entry menu to access Order Entry Order Entry oO x Main J Buyer Seller Loan Misc Property Use Template Status oren Escrow Bank 1 BankOne Service 2 C Owner Simultaneous osar x Bo dense s001 Test Region Title Guar Const Loan Use Template arch Prov Order Category C Mortgagee Other Prior Policy Prior Policy Amount Prior Policy Date Prior Policy Code Plant Search Order OMC Critical Date File Opened Cararnitment Due Clasing Date r22i00s gA Fees gj Fo gA Seller s Rea
407. red ABC Bank Mortg Insured Owner Insured Mortg Insured Morta Borrower Current Title Holders Legal Desc More Int In Land 2 Click the Insert Mortg Insured Name s in Text Box button to display the Lender s name You may edit the Lender s name to include its successors and or assigns or other language as directed by the Lender D Mortgagee Borrower l Select the Mortg Borrower sub tab The Mortgagee Borrower text area displays Commitment Policy Binder Commitment Policy Logging al Cmt Sched A Sched E Policy Policy Options ligue Date lesue Time Effective Date Effective Time 5 28 2010 A SPS amt pm AOO ame om Mortgagee Folic Amount 200 000 00 ls v Insured Suppress Hames Borrower Suppress Hames IE Owner Policy Proposed Insured Amount 300 000 00 M Suppress Name Insert Mortg Borrower Name s in Text Box 1 B Commitment 1005 Interest In Land Fee Simple w aalm AE Morty Borrower Bat J Buyer a single person Mortg Borrower Owner lnsured Morta Insured klora Borrower Current Title Holders Legal Desc More Int In Land Click the Insert Mortg Insured Name s in Text Box button to display the Buyer s 2 name You may edit the name if necessary ATG REsource User Manual ATG 5 15 Page 5 4 E Current Title Holder Select the Current Title Holders sub tab The Curr
408. red in the previous HUD will not pull through to the new HUD therefore it must be re entered Also any services selected in the ATG Edit Services menu must be re selected You must go back to ATG Edit Services and re select all services after changing the HUD type INVOICE FOR TITLE CHARGES There are now two types of invoices available one for the 2010 HUD and one for the Speed HUD You must use the invoice based upon the type of HUD A 2010 HUD Invoice l Doc Invoice 2010 BO Chicago Area 2 Doc Invoice 2010 NBO Chicago Area 3 Doc Invoice 2010 BO Separate Search 4 Doc Invoice 2010 NBO Separate Search B Speed HUD Invoice l DOC Inv For Title BO Chicago area 2 DOC Inv For Title NBO Chicago area 3 DOC Inv For Title BO Sep Search 4 DOC Inv For Title NBO Sep Search FILE LOCKING File locking has been added to prevent multiple users from entering data at the same time to the same file To insure that you are leaving your current file available for other users either log out of REsource or select the Temporary File option 2 from the REsource menu bar LS e Ql A a HUD SETTLEMENT STATEMENT SCREEN A The 2010 HUD layout is similar to a printed HUD document There are three tabs Page One Page Two and Page Three GFE fi HUD Settlement Statement 6 0 2 8 E a c Page Une Fage Two Fage Three al gt B 7 BBeek Status Task Bar ATG REsource User Manual ATG 5 15
409. rgo 42 446 89 1 2 6 13 130900102607 99001 ATG Fees and Transfers 155 00 2 2 6 13 130900102607 99001 Test R Member 1 668 00 oA To print the report click the Print button To adjust the on screen display to a larger size click any of the Zoom buttons ATG RESOURCE User Manual Page 9 29 ATG 5 15 D Voided Checks for a Date Range l The Voided Checks for a Date Range report displays all checks from the designated escrow bank within a defined date range For each check the report lists the Check Number Date File Number Payee and Amount It also calculates the total for all checks voided during the reporting period This report may be useful for investigating discrepancies in your Bank Reconciliation or the Three Way Balance components Voided checks appear as a negative check credit in the Book Balance for the month they were voided When you reissue a voided check you do so with the current date so the reissue may appear in a different reconciliation from the voided check 2 To run this report a Select Reports gt Voided Checks for a Date Range or press lt Alt gt lt R gt then lt V gt a Book Balance Starting Date fo1m1 2013 pe Ending Date os20 2013 FA x Cancel b From the Bank drop down select the escrow account NOTE The Bank drop down list displays only region specific banks 1 e Region 1 users see only Region 1 banks C Enter the Starting Date or click the Calendar butto
410. right i C Ev Delete Current Selection Only Clears only selected documents in the print list on the right A pri D Print Documents Selected documents open in the Document Viewer and can be printed saved locally or sent by e mail as an attachment E E Print wio view Print w o View Selected documents are sent directly to the printer without displaying in the Document Viewer F Publish to PaperlessCloser Selected documents are available in PaperlessCloser PRINT DOCUMENTS LIST A Following is a list of all documents located in the Print Documents list ATG Order Confirmation ATG Pkg ATG Pkg ATG Pkg ATG Pkg ATG Pkg ATG Pkg ATG Pkg ATG Pkg ATG Pkg ATG Pkg ATG Pkg ATG Pkg ATG Pkg ATG Pkg ATG Pkg Closing Docs Closing Docs 2 Commit 06 2010 Invoice Commitment 06 Loan Pol 06 Loan Policy Loan Policy Indiana One Loan Policy 2 Mortgages One Loan Policy 2 mortgages 06 Owner s Pol 06 Two Loan Policies 2 Mortgs 06 WI Closing Docs WI Loan Pol 06 WI Owner s Pol 06 Commitment 2 Mortgs 06 ATG PO Member Policy Transmittal ATG PO OH Title Policy Transmittal ATG Receipts and Disb ATG Wire Instructions Champaign ATG Wire Instructions Chicago ATG Wire Instructions Commercial ATG _ Owner s Policy Package 2006 DOC 1099S Blank DOC 1099S Document DOC Accounting Info Services Doc Additional Title Charges DOC Affidavit in Lieu of Survey DOC Affidavit N
411. right You can continue to add as many items as necessary for the new check Del Line Deletes the selected line s from the Disbursement list on the left The amount of the check is adjusted to reflect the deletion If the item you delete is the only item for the current check the check is also deleted from the Check window on the right To select more than one item to delete first click to highlight the first item then hold down lt Ctrl gt when you click each additional item Split Splits the selected item s in the Disbursement list into a separate check for the same payee Use this option if your payee needs separate checks for different items Before you click the Split button Split select the item s in the Disbursement list to go on a separate check To select more than one item first click to highlight the item then hold down lt Ctrl gt when you click each additional item Complete Closing will create a second entry in the Check window for the payee with the selected items associated with it Use the Navigation buttons Ha a r e to move through the list of checks Print Bs To print all checks click the Print All Checks button at the top of the Check Writing window To print individual checks highlight the checks and click the Print Selected Checks button Print Before you click the Print button select the check s in the Checks window If you choose to print before the account is in balance do so with caution
412. rming that a copy of the Notice was filed with the Department of Financial and Professional Regulation In addition pursuant to Public Act 95 961 beginning January 1 2009 for all residential foreclosure actions filed the plaintiff must attach the Homeowner Notice set forth in the Act to the summons The Homeowner Notice must be in at least 12 point type and in English and Spanish d The following persons are necessary parties to any such proceeding 1 Mortgagor or successor in interest the record owner as a party defendant If a mortgagor is deceased the personal representative of the decedent if one has been appointed or a special representative appointed on behalf of the decedent pursuant to 735 ILCS 5 13 209 must be named as party defendant 2 Mortgagee or successor in interest as party plaintiff e The following persons must be made parties defendant to the foreclosure if it is desired that the interests be barred by the proceeding 1 All parties acquiring rights in the premises subsequent to the date of this commitment and prior to a recorded Notice of Foreclosure Lis Pendens 2 Any person other than those herein named known to the Plaintiff or the Plaintiff s attorney to have or claim an interest in the premises 3 All persons in possession of any part of the premises in question and all persons whose rights would be disclosed by an inspection of the premises 4 Second mortgagees judgment lienors etc
413. rom Borrower s Fund at Settlement ATG REsource User Manual ATG 5 15 column Click the Clear Line 901 Override button re or press lt Ctrl gt lt O gt to remove the overridden information in Line 901 a Line 901 Interest Enter the beginning and ending dates for interest using the Calendar button Ee or entering the year in two digit format uate alles 900 Items Required by Lender To Be Faid in Advance eS 901 Daily interest charg to 902 aise EE months f MIP to from GFE HS TS 903 Homeowner s insurance for V ATE to from GFE 11 b Lines 902 and 903 Mortgage and Homeowner s Insurance Premiums 1 Premium amounts entered in these lines will transfer the monthly amount to Lines 1001 and 1002 11 Select the MIP checkbox on Line 902 when a Lump Sum MIP payment is made at settlement The line should read MIP for Life of Loan See RESPA Directive Lines 901 and 903 come from the GFE 10 and 11 respectively 8 Section 1000 Reserves Deposited with Lender 1000 Reserves Deposited With Lender 1001 Initial deposit for your escrow account 1002 Homeowner s insurance 1003 Mortgage insurance 1004 City Property Taxes 1005 County Property taxes 1006 Assessment taxes 1007 School property taxes 1008 HOA Dues 1009 Other taxes 1011 Aggregate Adjustment Rn CNE HN EC to Chase Bank from GFE 9 0 00 R months per month RM months per month s ss months per month 4 mo
414. ropriate checkboxes to select required endorsements The ATG underwriting premium and the suggested consumer fees will display in the ATG and Buyer or Seller column Title Prep Endorsements Closing Search Rec Misc Commercial Other ATG Buyer Seller Commercial O A E E A A 0 00 0 00 0 00 l Comprehensive aeaeaei 0 00 0 00 0 00 CON crc cane rene 0 00 0 00 0 00 PF Creditor s Rights Exclusion 1 0 00 0 00 0 00 Doing e a 0 00 0 00 0 00 Encroachment Note 0 00 0 00 0 00 REP Re RE eee 0 00 0 00 0 00 F Future Advance Knowledge 0 00 0 00 0 00 F Future Advance Priority 0 00 0 00 0 00 F Future Advance Reverse Mortgage 0 00 0 00 0 00 RUE eee ee ee ee A 0 00 0 00 0 00 Leasehold Loan 0 00 0 00 0 00 RCN pence ee et eee 0 00 0 00 0 00 Pending Disbursement 0 0 0 000 0 0 00 0 00 0 00 PIN Tax Parcel 0 00000000000000000 0 00 0 00 0 00 T en scree ete 0 00 0 00 0 00 PF Subdivision oo ceeseeseseceeseeeeeeeeeees 0 00 0 00 0 00 ON Schon enter ce ene 0 00 0 00 0 00 LOT Re 0 00 0 00 0 00 F Variable Rate Mortgage 0 0 0 0 0 00 0 00 0 00 Waiver of Arbitration 10010000010 0 00 0 00 0 00 l Om ne 0 00 0 00 0 00 zonna a aa E E 0 00 0 00 0 00 m dditional Service PF Extended Coverage oo 0 00 0 00 0 00 NOTE When entering or editing services on the ATG Services screen you must click the Update HUD button Seectolny prior to closing the ATG Services
415. rospect IL 60005 Seller Sam Files as Buyer Files as Seller 0301 71000051 030171000060 2 B AG z B 352 Sandi Allfrey a gt A Select fi Close 4 Enter the Name last name first in the Name Filter field then click the Apply Filter button Syrte to display all the files in which the name appears as a Buyer on the left and as a Seller on the right Select the desired file and then click the Select button V4 select The selected File Number displays in the File field File eosomo0s94 Click the Close button e to begin working on the selected file SEARCH FOR A FILE OR A GROUP OF FILES BASED UPON GENERAL FILE INFORMATION The Super Search feature allows for customizable searches A printed report of search results is also available Click the Super Search button S or select Super Search from the File menu Enter desired search criteria and click the Search button Tl Search ATG REsource User Manual ATG 5 15 Super Search mlel x T Search Clear Print Main Loan Mise Property Search Web Commit Agent Searches Buyer Seller Search Status x ce aj Title Company en O Closed Title Unit Notes Closing Agent v Underwriter Order Note Text FO Sales Rep v Order Category Order Note Date FA to FA Escrow Unit v Escrow Bank Critical Dates Region ID Open Date to z Service o YS x Commitment Date to FA Closing Date E
416. rty The data entered in Order Entry is used throughout program A Main Tab The Main tab contains basic information about the order including Order Status Escrow and Closing Information Prior Policy Information Critical File Dates Sale Price etc Several items ATG REsource User Manual Page 3 9 ATG 5 15 Page 3 10 will contain default information such as the Status of the file Title Company Underwriter Escrow Bank Date the file is opened and the Member information l Closer Select the drop down list to display a list of all available agents If you are a member closer select Member Closer If ATG is providing a closer leave this field blank ATG will enter the Closer when the closing is assigned If the Closing Agent is Member Closer then the To fields of the 1100 section and the Section H Settlement Agent of the HUD 1 Settlement Statement will print the member s name Status a New Initial order status b Opened An order changes from New to Opened when you begin work in the Commitment Policy and HUD preparation screens C Closed An order for which a policy has been issued d Cancelled An order that has been cancelled before it is completed e Template This option allows you to create a type of order template that you can use for similar orders f Old This status is assigned by REsource to files that previously existed when a company updates its programs an
417. ry Help Navigation Category fa ccess il F 4 Region 2563 En gt Paragraph Number Level eneral 2 Cancel i 2 Enter a name of the Category member number 3 Enter a descriptive name for the exception in the Description field and click OK ATG RESOURCE User Manual Page 13 3 ATG 5 15 Page 13 4 testingwireless 207 208 122 4 Remote Desktop 161 x al Category Member Name sil zil EF Region ox Description ci 24 l Paragraph Number Level ETES OS Text Be sure to press the CRTL N to insert the bullet for each exception Access Spell Check and other text editing options by a right click ofthe mouse Font Paragraph Find Replace Fix Font Ctri F7 Bold Ctrl B Underline Ctrl U Italics Ctrl I Characters gt Convert Case gt Spell Check Ctrl F2 Insert Paragraph Num Ctri N Indent F4 Justification gt Print Ctrl P Backup Ctrl F12 Load From Manual Backup Load From Database Clear Text 4 Click inside the text area and enter the exception Be sure to insert the bullet by pressing lt Ctrl gt lt N gt Right click inside the text area for additional text editing options such as Spell Check gt To add additional exceptions to this Category click the Add New Entry button 6 Enter a new descriptive name for the exception in the Description field and begin entering the next exception Many exceptions
418. ry of the Board of Managers stating that compliance has been made by the owners with the provisions of the Condominium Declaration or that said provisions relating to preemptive rights have been duly waived by the Board of Managers and the rights of the Board thereunder have terminated Furnish ATG with a certificate executed and acknowledged by the Secretary of the Board of Managers stating that there are no unpaid assessment liens arising by reason of the nonpayment of assessments as per the Condominium Declaration Condominium Policy Terms provisions covenants conditions and options in rights and easements established by the Declaration of Condominium Ownership recorded PR Enter date of Condominium Declaration recording DT2 1 as Document PR Enter Document number ST1 4 as amended from time to time Limitations and conditions imposed by the Illinois Condominium Property Act Declaration Terms provisions covenants conditions and options in rights and easements established by the Declaration of Condominium Ownership recorded PR Enter date of Condominium Declaration recording DT2 1 as Document PR Enter Document number ST1 4 as amended from time to time Legal Description Parking Parcel 2 The exclusive right to the parking space number PR Condo Legal Enter parking space number ST1 1 a limited common element LCE as delineated on the Plat of Survey and the rights and easements for the b
419. ry proof that there are no outstanding and pending special charges A title search request must be made in writing to DNS To obtain a copy of the title search request form link to http www city milwaukee gov DNS Requirement Trusts Authority Furnish ATG with a properly certified copy of the original trust agreement under which title to the land is held together with a statement in writing by the Trustee that it will produce the original agreement upon request and this Commitment is subject to such further exceptions if any as may be deemed necessary ATG should be advised as to whether the trust under which title to the land is held is still in force and effect and this Commitment is subject to such further exceptions if any as may be deemed necessary Requirement Lien Child Support Child support judgment filed against PR Insert name of person s who received judgment here ST1 1 in Case No PR Insert Case number here ST1 2 in the Circuit Court of PR Insert name of County here ST1 3 County Wisconsin a memorandum of which was recorded on PR Insert date the judgment was recorded here DT2 4 as Document No PR Insert Document number here ST1 5 Requirement Decedent Estate Personal Representative s Authority A certified copy of the domiciliary letters issued by a Circuit Court of Wisconsin authorizing PR Enter name of Personal Representative ST1 1 to act as the personal representative over
420. s ST1 4 but omitting therefrom any covenant or restriction based on race color religion sex handicap familial status or national origin Judgment Same Name We find judgments liens and matters of record involving a person or persons whose names are similar to PR Enter name of possible judgment debtor ST1 1 Relative thereto a Personal Information Affidavit ATG Form 3008 establishing the identity of the above described person must be supplied in order to facilitate the exclusion if possible of those items Judgment Judgment rendered on PR Insert date of judgment here DT2 1 in the PR Insert name of court circuit appellate etc here ST1 2 Court of PR Insert name of county here ST1 3 County in favor of PR insert name s of winning person s here ST1 4 against PR 1nsert name s of losing person s here ST1 5 in the amount of PR 1nsert amount of judgment here in dollars and cents CU1 6 Agreement for Deed New Consequences if any by reason of failure to record either the Agreement for Deed or a memorandum thereof Agreement for Deed Close Out Recorded Terms and conditions of that Agreement for Deed dated PR date of AG D DT2 1 and recorded on PR date AGD was recorded DT2 2 as Document No PR Document No of AG D ST1 3 Agreement for Deed Close Out Unrecorded Terms and Conditions of an unrecorded Agreement for Deed dated PR Date of AG D DT2 1 by and between DB SellerInf
421. s 02 N Se Chp Dept on Chp nas 01 Q S Dept on Chi nas 01 V rs My Network Places gt ATGF Apps QC RESource RDP iJ Ro Apps DateDown2 pdf Desktop 2 My Documents pa am My Computer Stacia File name A Places i Files of type PDF Files Cancel V PROMPTS TAB A When a document containing a prompt is selected to print the user will enter the answer at the prompt and the answer will appear in the document The answer is then saved in the Prompts tab If the document is reprinted the prompt will not display again B The Prompts tab is used to edit or view answers entered in a prompt The Prompts tab displays a list of previously printed documents that contain answers to prompts NOTE The Prompts tab displays only if a document containing a prompt has been printed and the prompt was answered C To edit the answers to a prompt in a previously printed document l Select the Prompts tab 2 Click the Plus button lin front of the document The answer appears in green Click in the green data field and enter the new answer 4 When finished click the Print Documents tab and select the document s to print The document will now contain the new answer D To delete the data in a prompt l Right click the green answer and select Delete or press lt Ctrl gt lt Del gt 2 If the data in a prompt has been deleted you will receive a new prompt the next time the document is selected to
422. s 210 211 510 511 a Tax Prorations i Click the Prorations dialog button E amp of the Adjustments for items ee by seller section Adjustments for items unpaid by seller a Adjustments for ite 4 J 4 rth ram D EE 211 0 Open the Prorations Dialag 1 The Flex Prorations dialog box opens 2 Enter the Proration Date or check Use Closing Date 3 Click Edit FlexProrations Fa Order defaults Proration method HERBE Proration Date for this order fi 16 2010 FA I Use Closing date r Prorations Full Total Amt Date Payment Periods Credit Debit Debit Description Amount Ovr From Date ToDate Ov Due per vear Type Seller Buyer County Property Tax 0 00 No 1 1 2010 1 16 2010 No Not due 0 00 0 00 County Property T ax Ne 0 00 No 14142010 1 16 2010 No Not due s 365 0 00 0 00 Add Edit Delete Change al Results Debit seller 1 1 2010 thru 1 16 2010 in the amount of 0 00 Credit buyer 1 1 2010 thru 1 16 2010 in the amount of 0 00 Close 4 Check the Override dates and amount checkbox 5 Click Next Edit Proration Fa Choose the tax type or enter a custom description Source Custom Description EX Property Tax Override grereesseeeesseseeseeeesseeesseeessseeesseeesessesseesesseesssseg a AAA A Cancel Previous Frish 6 Payment Not Yet Due 7 Enter the Amount of the tax proration ATG REsource Us
423. s be insured on one Loan Policy Always check with the lender prior to closing to determine specific requirements Follow the instructions below to prepare two Loan Policies insuring each of the two mortgages The preceding section addresses preparing one Loan Policy for both mortgages To prepare two separate Loan Policies prepare the Owner s Policy and Loan Policy following all instructions listed in the Policy Preparation section of this manual and then do the following A Go to Order Entry and select the Loan Misc tab Under 2 Loan Information enter the Loan Amount and Lender name Close Order Entry Fa Order Entry Main Buyer Seller Loan Property Sales Price Earnest Money Loan Amount 300 000 00 200 000 00 Owner Policy Liability Override Mortgage Broker Loan Policy Liability Override Cl Loan Information Lender 155511 ABc Bank S Loan Murnber Monthly P amp 2 Loan Information b srest Bate 2nd Loan Information Loan Amount 40 000 00 Lender 101680 Second Federal Savings amp Loa Loan Number Monthly P amp Mort Ins Case No Interest Rate B Click the Commitment Policy Preparation button a or select Commitment Policy Binder from the Data Entry menu C Under the Cmt Sched A tab select the 2 Mortg Insured sub tab fig Commitment Policy Binder Commitment Policy Logging cl Cmt Sched A Sched B Policy Policy Options Effec
424. s claiming thereunder PR Name of Purchaser and any conditions of judgment ST1 5 G A proper Notice of Foreclosure has been recorded as Document PR Insert Document number ST1 4 H Defects or additional information if any PR List any defects ST 1 6 FORECLOSURE Mortgage Certificate of Sale Interest Right title and interest of PR Enter name of purchaser ST1 1 under a certificate of sale dated PR Insert date of certificate of sale DT2 2 and recorded PR Insert date of recording DT2 3 as Document No PR Insert Document number ST1 4 and issued pursuant to judgment of foreclosure entered PR Insert date of foreclosure judgment DT2 7 in the case filed by PR Insert name s of Plaintiff ST1 8 and against PR Insert name s of Defendant ST1 9 in the Circuit Court of Page 14 26 ATG REsource User Manual ATG 5 15 PR Insert name of County ST1 10 County Illinois Case No PR Insert case number STI 11 and all persons claiming thereunder Mortgage Foreclosure Deed Interest Right title and interest of PR Enter name of person receiving deed ST1 1 under a sheriff s judge s deed dated PR Enter date of deed DT2 2 and recorded PR Enter date deed was recorded DT2 3 as Document No PR Enter Document number ST1 4 and issued pursuant to judgment of foreclosure entered PR Enter date judgment of foreclosure was entered DT2 7 in the case filed by PR Enter n
425. s in Wisconsin issued by the Department of Financial Institutions should be produced and in default thereof our policy will contain the following exception Consequences if any that may result because of the failure of the party in title to the estate or interest in the land described in Schedule A to comply with the applicable doing business laws of the State of Wisconsin Requirement Foreign Corporation Active Authority Furnish ATG with a certified copy of the proper resolutions passed by the stockholders or board of directions authorizing the execution of the deed or mortgage and this commitment and any policies committed for thereunder are subject to such further exceptions as may then be deemed necessary Furnish ATG with a certificate of status from the Wisconsin Department of Financial Institutions verifying the authority to transact business in Wisconsin The failure to produce the certificate will result in the policy or policies to be issued to contain the following exception Consequences if any that may ATG RESOURCE User Manual Page 14 79 ATG 5 15 result because of the failure of the party in title to the estate or interest in the land described in Schedule A to comply with the applicable doing business laws of the State of Wisconsin Requirement Foreign Corporation Dissolved Authority Furnish ATG with a certified copy of the Articles of Dissolution that was issued by the incorporators or
426. s in Wisconsin The failure to produce the certificate will result in the policy or policies to be issued to contain the following exception Consequences if any that may result because of the failure of the party in title to the estate or interest in the land described in Schedule A to comply with the applicable doing business laws of the State of Wisconsin Note Deed Buyer s Designation of Legal Title Note The buyer s should inform ATG how legal title will be held Requirement Foreign L L C Dissolved Authority Furnish ATG with a certified copy of the Articles of Dissolution authorizing the manager s or member s to execute a deed to sell the L L C s real property or furnish ATG with a certified list of all of the successors in title to the real estate of said L L C and this commitment is subject to such further exceptions if any as may then be deemed necessary Exception Vacated Streets and Alleys Easements if any of the public or any school district utility municipality or person as provided in Section 80 32 4 of the Statutes for the continued use and right of entrance maintenance construction and repair of underground structures improvements or service in that portion of the premises described in Schedule A hereof which were formerly a part of streets and alleys now vacated Requirement Foreclosure Pending Post Lis Pendens An action for mortgage foreclosure is pending in Case No PR Insert c
427. s other than natural accretions or may be covered by the waters of PR Enter name of lake river creek or stream ST1 1 Exception Riparian Public Rights Rights of the United States of America the State of Wisconsin the municipality and the public in and to that part of the land lying from time to time within the bed of PR Enter name of lake river creek orstream ST1 1 and the rights of other owners of land bordering on the lake in respect to the water of said lake Exception Real Estate Taxes Installment Payments Taxes for the year PR Enter the year that taxes are a lien YYYY INI 1 and thereafter First installment PR Enter the current or previous year YYYY INI 1 taxes in the amount of PR Enter amount of the Ist installment prior year taxes CU1 2 is PR Enter whether PAID UNPAIDAND DUE NOT YET DUE AND PAYABLE ST1 3 Second installment PR Enter the current or previous year YYYY IN1 8 taxes in the amount of PR Enter amount of 2nd installment prior year taxes CU1 4 is PR Enter whether PAID UNPAIDAND DUE NOT YET DUE AND PAYABLE ST1 5 Taxes for the year PR Enter the current year YYYY IN1 6 are not yet due and payable Tax Key No DB Property TaxID NO Requirement B1 Deed only a PR Enter Type of Deed Warranty Personal Representative etc ST1 1 from DB SellerInfo FormalName NO to DB BuyerInfo FormalName
428. saction ID File Description Amount 215 13 130900102607 1 130900102607 99001 Loan Amount 81 906 43 215 13 130900102607 2 130900102607 99001 Funds from Buyer 20 334 11 2 26 13 Bank 897 1 Bank 897 Inital Deposit 1 500 00 Total Receipts 103 740 54 3 To print the report click the Print button To adjust the display size use the Zoom buttons Page 9 28 ATG REsource User Manual ATG 5 15 Q Absolute Checks for a Date Range l The Absolute Checks for a Date Range report provides the same information as the Checks for a Date Range report but does not include any voided checks within the defined date range 2 To run this report a Select Reports gt Absolute Checks for a Date Range or press lt Alt gt lt R gt then lt A gt a2 Book Balance Select Bank Starting Date Proteus FA Ending Date josv20 2013 FA x Cancel b From the Select Bank drop down select the escrow account NOTE The Bank drop down list displays only region specific banks 1 e Region 1 users see only Region 1 banks C Enter the Starting Date or click the Calendar button E to select a date d Enter the Ending Date or click the Calendar button E to select a date e Click OK to run the report or click Cancel to exit without saving changes Checks for 01 01 2013 through 05 20 2013 Prepared 5 20 13 RECONT EST Bank Disbursements Check Date File Payee Amount Wire 260 7 21 6 13 130900102607 99001 Wells Fa
429. screen This will ensure that all ATG and consumer charges appear on the Invoice Closing Statement HUD 1 Settlement Statement and AIS Page 4 11 Commitment 5 Preparation YX ATG 5 COMMITMENT PREPARATION I SCHEDULE A A Preparing Schedule A of the Commitment l To enter edit information on the Commitment click the Commitment Policy Preparation button Ke or select Commitment Policy Binder from the Data Entry menu fa Complete Closing Enterprise 6 5 Window ATGF Extensions Help bs a amp Gh Mi lt 2 G File honore Data Entry gt Commitment Policy Binder TO Bart J Buyer 1234 Maple Lane Chic Commitment Policy Preparation Commitment Schedule A fir Commitment Policy Binder Commitment Policy Logging EA lesue Time Effective Date Effective Time lesue Date 54292010 EF Fal C am maA E C ami pm Mortgagee Folic Amount 200 000 00 MF Insured Suppress Names MF Borrower Suppress Names Owner Policy Proposed Insure Amount 300 000 00 Jw Suppress Names Text Only ES Commitment fi 003007 01 736 Interest In Land Fee Simpe elel PAIE EE Owner Insured Bart J Buyer Owner Insured Mort Insured Mortg Borrower Current Tithe Holders Legal Desc More Int In Land Enter the Effective Date or click the calendar and select a date 2 J Enter an Effective Time if any NOTE The Commitment Number field auto populates with the File Numb
430. sed ST1 1 deceased and should recite therein the full consideration for which it is given In addition the aforesaid personal representative should file the bond required by Paragraph 12 9 of the Probate Act RAILROADS Illinois Central Rights of USA Right title and interest of the United States of America in and to any portion of the land falling within the mainline right of way of the Illinois Central Railroad Company pursuant to an Act of Congress approved September 20 1850 REAL ESTATE TAXES Current Default for All Users Taxes for the year PR Enter the last year that taxes were paid YY YY IN1 1 and thereafter First installment PR Enter the previous year YYYY IN1 1 taxes in the amount of PR Enter amount of the Ist installment prior year taxes CU1 2 is PR Enter whether PAID UNPAID AND DUE NOTYET DUE AND PAYABLE ST1 3 Second installment PR Enter the previous year YYYY INI 8 taxes in the amount of PR Enter amount of 2nd installment prior year taxes CU1 4 is PR Enter whether PAID UNPAID AND DUE NOT YET DUE AND PAYABLE ST1 5 Taxes for the year PR Enter the current year YYYY IN1 6 are not yet due and payable Permanent Index No DB Property TaxID NO Forfeited PR Enter which installment 1st 2nd etc is unpaid ST1 1 installment PR Enter the year Y YYY of the forfeited taxes IN1 2 taxes of PR Enter the amount of the forf
431. select Scanned Documents Select the check box next to each document you want to print Select Scanned Documents Contacts scanned documents Select the desired scanned document from the list and select Open from the Download menu Doc Description Type Published Date Initial Search POF File 6 4 2012 5 16 17 PM Buyer CPL POF File 6 25 2012 2 21 30 PM Lender CPL PDF File 6 25 2012 2 21 31 PM Seller CPL PDF File 6 25 2012 2 21 31 PM Using a Template to Create an Order l Once a template is saved the template can be used for future orders that have common elements such as the Lender Buyer Seller Property and other selectable information To create a template From the Lobby navigate to the New Order page A blank order form displays b Select the Single order entry form link C Complete the information that will remain the same such as the Lender Buyer Seller Property and other selectable information d When finished click the Save as Template button at the bottom of the page e Enter a name for the template and click Save Save Template As ABCLendel i tits Save To use a template From the Lobby navigate to the New Order page A blank order form displays b Select the Single order entry form link C Click the Use a saved template link The Select an Order Template screen opens d Select a template from the Select a Template drop down Select an Order Template Select a Template ABC Lender
432. sert name of person s against whom the lien is made here ST1 4 in the sum of PR Insert the amount of the lien here CU1 5 Bankruptcy Statutory Powers Statutory Rights powers and duties of the Trustee in Bankruptcy in the bankruptcy proceeding filed by PR Enter name s of person filing bankruptcy ST1 1 on PR Enter date of bankruptcy filing DT2 2 in the Federal District Court for the PR Enter name 1 e Central of bankruptcy court ST1 3 District of Illinois in Case No PR Enter case number of bankruptcy ST1 4 notice of which was recorded on PR Enter date of recording of bankruptcy notice DT2 5 as Document Number PR Enter recorded Document Number ST1 6 Condominium Declaration Terms provisions covenants conditions and options in rights and easements established by the Declaration of Condominium Ownership recorded PR Enter date of Condominium Declaration recording DT2 1 as Document Number PR Enter Document Number Declaration ST1 2 as amended from time to time Limitations and conditions imposed by the Illinois Condominium Property Act Corporation Certificate of Authority The Certificate of Authority of PR Enter name of Illinois Corporation ST1 1 to do business in Illinois issued by the Secretary of State should be produced and in default thereof the policy or policies to be issued will contain the following exception Consequences if any that may result because of the failure o
433. sessments as per the Condominium Declaration Terms provisions covenants conditions and options in rights and easements established by the Declaration of Condominium Ownership recorded PR Enter date of Condominium Declaration recording DT2 1 as Document PR Enter Document number ST1 4 as amended from time to time Furnish ATG with a certificate executed and acknowledged by the Secretary of the Board of Managers stating that compliance has been made by the owners with the provisions of the Condominium Declaration or that said provisions relating to preemptive rights have been duly waived by the Board of Managers and the rights of the Board thereunder have terminated Limitations and conditions imposed by the Illinois Condominium Property Act New Condominium First Deed Out Grantor also hereby grants to the Grantee its successors and assigns such rights and easements appurtenant to the above described real estate the rights and easements for the benefit of said property set forth in the Declaration of Condominium and Grantor reserves to itself its successors and assigns the rights and easements set forth in said Declaration for the benefit of the remaining property described therein This deed is also subject to all rights easements covenants conditions restrictions and reservations contained in said Declaration the same as though the provisions of said Declaration were recited and stipulated at length herein
434. sing Enterprise 5 1 SP2a Commitment Policy Binder s Fie Data Entry Utilities Window ATGF Extensions Help lj J B amp fi is Fileg 040900100127 Gi SF E Ti fl EE Commitment Policy Logging Ba A wi Cmt Sched 4 Sched B Policy Policy Options Effective Date Effective Time Issue Date Issue Time ner Policy Proposed Insured Amount 300 000 00 IV Suppress Names Text Only IE Commitment 0409001 00127 interest in Land fFeeSimple El HEKE Owner Insured E IV Insured sce Names T V Borrower Suppress Names Mortg Insured AMortg Borrower Current Title Holders 4 Legal Desc AMore Int In Land we A 2 DEEE Randi Allfraw The Select Template window opens Search Characters 2103001 0100002 Template 7 23 2003 7 30 2003 TradiNoService 155200 1 030030100002 Template TradMoService 1 55 a 030152600002 Template 8 11 2004 7 30 2003 7 30 2003 Closed 5 76 155200 030168900135 Template 10 30 2003 11 6 2003 TradNoService 1 53 030347000002 Template 6 12 2003 69 2003 Order Entry 1 1 040006400158 Template 2 27 2004 4 29 2004 3 5 2004 TradMoService 1 41 171696 040029600003 Template 57 2004 5 24 2004 Closed 1 256 155200 040035800017 Template 3 16 2004 3 31 2004 3 23 2004 TradNoService 1 125 350000 040055800003 Template 2 6 2004 2 6 2004 23 2004 Cancelled 1 17 97500 040094000104 Template 10 26 2004 41 2 2004 TradMoService 1 160 0 Ll 73 2004 7415 2004 7 20 2004 Tr
435. st In Land Fee Simpe 4318 95 01 Owner Insured Mortg Insured Mortg Bor LegalDescription CmtlssueDate CmtlssueTime El Evaluate and Replace Field During Document Creation X Cancel Continue to scroll down to Legal Description Highlight Legal Description and click OK The Legal Description from the selected file will be copied into the current file D D Copying the Legal Description from another word processing application into REsource a b Open Word or WordPerfect and open the file containing the desired text Highlight the desired text and select Copy or press lt CtrI gt lt C gt Minimize word processor Open REsource and navigate to the Legal Description window found in the Commitment Policy tab Place the cursor where you want the text and either right click or click the All Options button and select Paste as Text or press lt Ctrl gt lt T gt to insert text NOTE Do not paste text without using the Paste as Text feature Doing so will cause the text to copy as an image that cannot be edited and will greatly expand the size of the file ATG REsource User Manual ATG 5 15 G Interest in the Land The default for Interest in Land is set to Fee Simple To change the interest click in the Interest in Land field and enter the Type of Interest such as Contract Purchaser or Leas
436. stallment PAID etc ST1 7 and due 9 03 08 Totaling PR Total of Ist amp 2nd Installment CU1 8 2008 and prior years taxes appear to be paid in full 2010 taxes are not yet due or payable PIN DB Property TaxID NO ATG RESourRceE User Manual Page 14 49 ATG 5 15 Mortgage with Assignment Mortgage dated PR Date of Mortgage DT2 7 and recorded PR Date mortgage was recorded DT2 6 as Document No PR Document No of mortgage ST1 3 from PR Name of borrower s ST1 4 given to PR Name of lender ST1 5 its successors and or assigns to secure a debt in the amount of PR Mortgageamount CU1 6 and other such sums as provided therein This mortgage has been assigned to PR Lender mortgage assigned to ST1 7 by Document dated PR Date of Assignment DT2 8 and recorded PR Date of Assignmentrecorded DT2 9 as Document No PR Assignment Doc No ST1 10 Easement Separate Recorded Provisions detailed in an easement dated PR Date of Easement DT2 1 and recorded PR Date easement was recorded DT2 2 as Document No PR Document No of easement ST1 3 from PR Name of person granting easement ST1 4 to PR Name of person easement was granted to ST1 5 Forgery Exception Right title and interest of PR Name of Grantor s in deed less than 12 months old ST1 1 purported grantor in the deed recorded PR Date deed was recorded DT2 2 as Document No PR Document No of deed ST1 3
437. state of PR Enter name of miunor ST1 2 a minor under Case No PR Enter minor s case number ST1 3 Any conveyance of the land must be made by the guardian of the Estate of PR Enter name of minor ST1 1 a minor pursuant to a proper order entered in Case No PR Enter minor s case number ST1 2 and such conveyance should recite that the same is executed pursuant to a proper order entered in Case No RP 2 ordering the conveyance and should recite therein the full consideration for which it is given In addition the guardian should file the bond required by the Probate Act Statutory right powers and duties of the guardian of the Estate of PR Enter name of minor ST1 1 a minor MISCELLANEOUS 1099 Pursuant to the Tax Reform Act of 1986 Title 1 Subtitle C Section 1521 requires the Settlement Agent to report real estate transactions Relative thereto we note the following and require A We must be furnished at closing with the tax identification of the recipients of any or all of the net proceeds of the transaction B Failure to comply will result in a 20 percent holdback to be deposited with the Internal Revenue Service pursuant to the aforesaid act Cover Date This commitment should be updated to cover the recording date of the PR Enter name of the recorded document ST1 1 and this commitment is subject to such further exceptions as may then be deemed necessary Break in Chain of Title
438. statement and the Complete Closing Enterprise receipts and disbursements E ri Locate Recon Click this button to locate an existing recon by scrolling through the list or entering Search criteria to jump to the closest match When you locate the reconciliation you want highlight it and click OK mal Refresh Click this button to refresh the screen vd Finalize Reconciliation Click this button to finalize reconciliation Finalize reconciliation only after your ending balance matches the bank ending balance If these balances do not match the program asks you to confirm your request to finalize the reconciliation Once the reconciliation is finalized Final Reconciliation is displayed in the title area of the Bank Reconciliation screen NOTE Reports will not calculate correctly without finalizing the recon WARNING This action cannot be reversed 7 Help Click this button or press lt F1 gt for additional information Close Click this button to close the screen and save your changes E Bank Reconciliation Options To display options available on the Bank Reconciliation screen click the Options button Bi Available options include OPTION DESCRIPTION Select All Selects and highlights all checks in the Checks display You may want to use this Checks option if all or nearly all checks displayed match the bank statement and are ready for reconciliation If a small number are not listed on the bank statement
439. subject to 204 U 504 Payoff of first mortgage loan 205 505 Payoff of second mortgage loan 206 eS l 207 o 507 EMD 500 Disbursed as Proceeds 6 Section 800 Items Payable in Connection with Loan a For all items in Section 800 the payee defaults to the first lender It is not necessary to enter a payee in the Payee column unless you want to change it to a different payee NOTE Switch to the Expand All view SI in this section to more easily use the Clear Override button 800 Items Payable in Connection with Loan 801 Dur origination charge o fron GFE ROR 802 You credit or charge points fort to rom GFE 2 RRRA 803 Your adjusted origination charges to from GFE 804 Appraisal Fee to ffrom GFE 3 905 Credit report to ffrom GFE 3 806 Tax service to ffrom GFE 3 807 Flood certification to ffrom GFE 3 b In Section 800 items are listed by the lender mainly from GFE 3 POC items are still handled the same 1 801 Breakout Charges 1 The 801 Breakout Charges feature allow items included in line 801 to be broken out in Check Writing but not disclosed on the HUD To breakout charges for Line 801 and not disclose them on the HUD select the 801 Breakout Charges screen oy located in the 800 toolbar 2 On the 801 Breakout Charges screen enter fees that are payable to other parties In Check Writing the items entered here are deducted from the disbursed check paid to the payee on
440. submitted to ATG b Affidavit in Lieu of Survey which shall be submitted to ATG If neither is submitted to ATG this exception will not be waived and will remain on the final title policy SANITARY DISTRICT Urbana amp Champaign Sanitary District Subject property lies within the boundaries of the Urbana amp Champaign Sanitary District the City of PR Cityof Drainage District ST1 1 and is subject to all lawful orders issued and assessments levied in connection therewith Page 14 62 ATG REsource User Manual ATG 5 15 SEARCH Certificate of Sale Wisconsin Right title and interest of PR Enter name of purchaser ST1 1 under a certificate of sale dated PR Insert date of certificate of sale DT2 2 and recorded PR Insert date of recording DT2 3 as Document No PR Insert Document number ST1 4 and issued pursuant to judgment of foreclosure entered PR Insert date of foreclosure judgment DT2 7 in the case filed by PR Insert name s of Plaintiff ST1 8 and against PR Insert name s of Defendant ST1 9 in the Circuit Court of PR Insert name of County ST1 10 County Wisconsin Case No PR Insert case number ST1 11 and all persons claiming thereunder Dedicated Road Wisconsin Rights of the public the State of Wisconsin and the municipality in and to so much of the land dedicated for road purposes by instrument dated PR Insert date of document DT2 1 and recorded PR Insert date
441. sums as provided therein This mortgage was subordinated to the above listed mortgage by an agreement dated PR Date of Subordination DT2 7 and recorded PR date subordination wasrecorded DT2 8 as Document No PR Document No of Subordination ST1 9 Page 14 48 ATG REsource User Manual ATG 5 15 Annexation Agreement Provisions detailed in an Annexation Agreement dated PR date of agreement DT2 2 and recorded PR date agreement was recorded DT2 3 as Document No PR Document No of agreement ST 1 4 Power of Attorney Power of Attorney dated PR Date of POA DT2 1 and recorded PR Date POA was recorded DT2 2 as Document No PR Doc No of POA ST1 3 from PR Grantor of POA ST1 4 to PR Grantee of POA ST1 5 Assignment of Rents Assignment of Rents dated PR Date of RENTS DT2 7 and recorded PR Date RENTS was recorded DT2 6 as Document No PR Document No of RENTS ST1 3 from PR Name of borrower s ST1 4 given to PR Name of lender ST1 5 its successors and or assigns Flood Letter Provisions detailed in a flood letter dated PR date of flood letter DT2 2 and recorded PR date flood letter wasrecorded DT2 3 as Document No PR Document No of flood letter ST 1 4 Restrictions on Warranty Deed Covenants Conditions and Restrictions for PR Subdivision name ST1 1 detailed on Warranty deed dated PR date of deed restrictions DT2 2 and recorded PR date
442. t that is part of a deposit slip and that deposit slip has more than one deposit on it you cannot change the Escrow Account X Delete Delete Click this button to delete the deposit TA Edit Edit Click this button to open the Deposit Browser screen and edit the selected deposit You can change the File Number Deposit Date Type of Funds Payor Amount Description Reconciliation Date Deposit Slip and or Verified Date XIX CURRENT ESCROW TRIAL BALANCE BROWSER A Page 9 22 The Current Escrow Trial Balance ETB Browser enables you to review all files with an open escrow account balance This review makes it possible for you to monitor open files that may require attention To open the Current Escrow Trial Balance ETB Browser screen use one of the following methods l Click the Current ETB Browser button 2 Select Tools gt Current ETB Browser or 3 Press lt Alt gt lt T gt then lt E gt When you open the Current ETB screen you must first select the bank account from the Select Bank screen From the Select Bank for ETB drop down select the bank and click OK Select Bank Select Bank for ETE RECONTEST Bank X Cancel ATG REsource User Manual ATG 5 15 The Current ETB screen opens se Current ETB Test Bank 2 500 00 2 500 00 322009 125 000 00 123 745 00 1 255 00 34 6 2009 1 500 00 0 00 1 500 00 44 7 2009 154 195 01 0 00 154 195 01 54 2009 104 454 00 389 00
443. t In Land Fee Simme T ER Bl S 4 3 5 8 5 Legal Desc Lot 1 in block 2 in Lake County Illinais Legal Description Owner Insured Marta Insured Marta Borrower Current Title Holders Legal Desc More Int In Land b Enter Legal Description in the text area A To check spelling click the Spell Check button 2 Copying the Legal Description from another REsource file a To copy the Legal Description from another REsource file click the Pull Field from Complete Closing button 3 A list of REsource files displays b Select the desired file by double clicking the file name or number The Insert Field From Database window opens ATG RESouRCE User Manual ATG 5 15 Page 5 6 C Scroll down to CommitPolicy and click the Plus to view all data within fe Commitment Policy Binder Torx Commitment Policy Logging I AI mi mi d Insert Field From Database Cmt Sched A Sched B Policy Policy Op Property Effective Date Effective Time a a CommitPolicy EA m es GFNo CmtEdate CmtETime CmtEpmam BinderDate BinderTime Binderpmam Ownerinsured OwnerOption Mortinsured Mortloption MortBorrovwer MortBoption Binderlnsured Binderloption BinderBorrower BinderBOption InterestinLand CurrentHolders BinderLien BinderNumber Amount 58 900 00 Owner Policy Proposed Insured E Suppress Names Text Only Ig Commitment fi 10900102094 Intere
444. t Loan 1 Contact Loan 2 Contact Broker Contact mary Company ist Equity Bank Contact Phone 333 333 3333 Ext Contact Fax Memo 2 The Lender can be changed by clicking the pencil icon The Lender Contact dialog box opens Contact Save Cancel Contact Company jist Equity Bank Contact Phone 333 333 3333 Ext _ Memo 3 Enter the Lender Contact name Company name and Phone and Fax numbers 4 Click the Save or Cancel button 2 Cancel 5 To add a second lender or mortgage broker use the Contact Loan 2 or Contact Broker tab Enter the information and click Save Cancel the Save or Cancel button IV Buyer s Attorney 1 The Buyer s Attorney information is populated with the information contained in the file Buyer s Attorney Name Buyer Attorney Phone 555 555 5555 Fax 555 555 5556 2 The Buyer s Attorney can be changed by clicking the pencil icon The Buyer s Attorney dialog box opens Buyer s Attorney Save Cancel Attorney S D Address City State Zip Phone Fax ATG REsource User Manual ATG 5 15 3 Enter the Buyer s Attorney name Address Phone and Fax numbers Save Cancel 4 Click the Save or Cancel button V Additional Closing Information The data contained in the Property Member Buyer Seller and Seller s Attorney sections is pulled from the order information If any of this information is incorrect use the Note fie
445. t Printer list Select the page range and click OK File Edit view Document Tools Window Help amp amp yy 1 12 s2 M d Fin Print Setup Printer Name HP LaserJet 6P Copy 3 from SALLFREY Vix Properties Status Ready Type HP LaserJet 6P RNEYS Where TS008 LE Comment NTY gt Paper Orientation Size Letter Portrait Source Automatically Select C Landscape CTION LETTER ER PURCHASEI Network Cancel IL CREATE CUSTOM STANDARD LANGUAGE A The Standard Language feature enables you to create custom special exception language Many exceptions have already been created for your use see the Standard Language Entries section of this manual for a complete listing B Standard language exceptions can be simple text or can include user prompts for data entry and or insert field values from Complete Closing Standard C To start the Standard Language program click the Standard Language Entry icon to on the REsource Desktop REsource Desktop fee Shortcut to ATG REsource Desktop File Edit View Favorites Tools Help Q Bak O P pe Search Folders B Address C D RamQuest Software Complete Closing ATG REsource Desktop RARE Sea em y 5 al Closing 1099 do Closing Document Shortcut Shortcut Other Places Complete Closing Escrow Suny Closing Order Tracking Complete Closing Paperless Accounting ortcut cise Alarms Details XY Shortcut 1
446. t balance for each file having an open investment account Expected Wires Click this button to open the Expected Wires which displays all expected wires From there the file number payor amount description expected wire date and bank can be edited You can also accept the wires from this screen which creates a deposit with the current date Close Click this button to close Escrow Accounting ATG REsource User Manual ATG 5 15 III BANK RECONCILIATION A To open the Bank Reconciliation screen use one of the following methods l Click the Bank Reconciliation button 2A Select Tools gt Reconciliation from the menu bar or 3 Press lt Alt gt lt T gt then lt R gt The screen displays the most recent reconciliation conducted To search for another one click the Locate Reconciliation button fee B To create a new reconciliation click the New Reconciliation button zil The program extracts all unreconciled receipts and disbursements through the selected end date for all files in Complete Closing Enterprise All outgoing wires and checks are displayed on the left side of the screen and all incoming wires and deposits are displayed on the right side New reconciliations are described under Starting a New Reconciliation in this section of the manual a Bank Reconciliation zi A si 2 New Recon ount 2607 0A062013 Wels Fargo 42 446 89 1309001 02607 1 02 05 2013 Loan Amount 91
447. t line editing Adding Title Charges and Miscellaneous Charges a f Right click inside the row of a line item to display options add Title Charge add Misc Charge remove item Select add Title Charge to add an item to the Title Charges category or select add Misc Charge to add an item to the Miscellaneous Category The Add Closing Statement Item menu opens Add Closing Statement Item r Description Misc Fee Payee Test Member Buyer Credits 10 00 Seller Credits o Save Cancel Enter the item description in the Description field Enter the payee s name if any in the Payee field Enter the amount in the Buyer Credits field Seller charge or Seller Credits field Buyer charge Do not type dollar signs or commas they will auto fill Click the Save or Cancel button Removing Items a Right click on the line item to be removed to display options add Title Charge add Misc Charge remove item To remove an unused or unwanted line item in its entirety select remove item ATG REsource User Manual ATG 5 15 Saving Changes Click the Save Changes button L save changes On the toolbar to save changes This button MUST be selected prior to exiting the Closing Statement otherwise ALL data entered will be LOST Printing To print the Closing Statement click the Print button c prin on the toolbar Submitting the Completed Closing Statement via Email Chicago Area Only To send the
448. t only the first two pages of the Speed HUD click OK 3 To print any remaining documents change the Y to N and click OK 4 Speed HUD and 2010 HUD printing prompts a Print Signature Page Y or N b Print 1099S Y or N ATG REsource User Manual Page 7 43 ATG 5 15 C Print Certificate for No 1099S Reporting Y or N d Print Receipts and Disbursement Summary Y or N NOTE Receipts and Disbursements must be created and or updated in Check Writing first For details please refer to the Check Writing section in this manual 5 2010 HUD printing prompts Is this file being closed by a Member Closer Y or N b Hide Reminder CPL and Anti Predatory Lending Y or N C Print first three pages of HUD and 1101 Detail Only Y or N TRE le a First 3 pages of Hud and 1101 Detail Only C Reporting 1099S Information to the IRS Using REsource l To generate the 1099S form and 1099 reports it is necessary to enter the Social Security number of the first seller listed in the Seller tab 2 If no 1099S is required on the transaction because the sale is an exempt transaction under IRS Regulations the seller s Social Security number is not required to be entered in REsource To confirm that the sale is exempt the Certification for No Information Reporting on the Sale or Exchange of a Principal Residence DOC Cert of No Reporting must be printed filled in and signed by all sellers both the husband and wife p
449. t side Displays details of check selected in Disbursement list Click to view and or edit B When using the Navigation buttons i gt to select a check it will not display as highlighted in the Payee display window on the right To confirm that the correct check is selected make sure that the Payee name 1s displayed under Pay To on the left C For the selected check Complete Closing displays a scrollable list of all disbursement items included in the check amount For each item it displays the HUD 1 Line Number Description Amount and Acct account number if assigned Highlight any of these fields to make changes to an item If the amount is changed it will be reflected in the total check Amount displayed on the right and above the Disbursements list NOTE HUD 1 Settlement Statement Line Amounts deducted from member check includes premiums Illinois Policy Tax and search fees will appear in parentheses Please refer to the ATG Fees and Transfer check for details NOTE Changes cannot be made to check amounts directly Changes must be made through the items in the Disbursements list left hand side You can however delete an entire check Doing so will automatically delete all the disbursement items attached to it D To add another item for the current check press lt gt or lt Tab gt repeatedly until the program creates a new blank line at the bottom of the Disbursement list Then enter
450. tPolicy MortBorrower NO and given to DB CommitPolicy MortInsured NO to secure a note in the amount of DB Main LoanAmount CU1 and such other sums as provided therein Revolving Line of Credit Revolving Line of Credit Mortgage dated PR Enter Date of Mortgage DT2 1 and recorded PR Enter date mortgage was recorded DT2 2 as Document No PR Enter Document No of mortgage ST1 3 executed by PR Enter name s of Mortgagor s ST1 4 and given to PR Enter Name of mortgagee ST1 5 to secure a note in the amount of PR Enter amount of mortgage CU1 6 and such other sums as provided therein Modification or Extension Agreement Subject to a Modification and Extension of Mortgage Agreement dated PR Enter date of Modification or Extension Agreement DT2 1 and recorded on PR Enter date Modification or Extension Recorded DT2 2 as Document No PR Type Document Number ST1 3 Said Agreement modifies and or extends the mortgage dated PR Enter date of Original Mortgage DT2 8 and recorded PR Enter Recording date of OriginalMortgage DT2 5 as Document No PR Type Document ATG RESourRce User Manual Page 14 37 ATG 5 15 Number of Original Mortgage ST1 6 from PR TypeMortgagor s ST1 7 to PR Type Mortgagee ST1 8 New Second Mortgage Mortgage dated PR Date of Mortgage DT2 3 and recorded PR Date Mortgage was recorded DT2 3 as Document No PR Document number ST1 3 executed by DB Co
451. te Closing Enterprise File Data Entry Utilities Window Personal Settings Mew File New File Wo Suggest Page 9 32 ATG REsource User Manual ATG 5 15 b The Tax ID Search Form window opens 1 Enter any letters in the Enter Tax ID Number box 11 Click Search 111 Click Create New I Tax ID Search Form xj Before creating a new file please check to see if there is already an open file for your property by searching for the property s Tax ID Number Enter Tax ID Number q4aq fel e OpenD ate 4 F Open Selected Create New Cancel 120330901427 Records Found F oa In the Enter a New File Number field type Bank replacing with your Escrow Bank Number e g Bank 897 Enter New File Enter a Hew File Humber Copy Existing File Bank 897 Calculate Next Number kw fx Select Type of Order fo Mone specified at this time d Click OK 2 Open Check Writing a Create a deposit in the amount of your initial deposit when your account was opened Enter any other deposits such as earned interest Be sure to date and book deposits fa Check Writing Status Bank 897 RECONTEST Bank Deposits be Receipt 14 4 gt gt elete InvAcct K RA Description Amount Descrintion Payor mount Recon Date nitial Depost 1 500 00 initial Deposit Test R Member Operati 1 500 00 1 31 2013 Payor Frest R Member Operating accout W Deposit
452. te tas stamps 300 00 S l OF Cancel b Enter POC amounts and Who codes B S L for each desired line item and click OK to save C Enter 0 in the Seller column for both Lines 1202 and 1203 d POC is now activated and is indicated by a change of color in these lines e The printed HUD will print with POC details f To edit change the HUD lines first and then open the POC window L Section 1300 Additional Settlement Charges Use Section 1300 to enter miscellaneous additional charges 1300 Additional Settlement Charges 1301 Survey to Survey Tech sanon 1302 Pest Inspection to amp J Pest Control Po 29200 1303 Deliver Handling Fee to ATG Fees and Tr 000 4000 1304 Any Fee to Test R Member 1409 Total Settlement Charmes enter on lines 103 Section and 60 Serctinn Fl tR 4559 SN 5 133 nn M Line 1400 Total Settlement Charges Line 1400 shows the total charges from Line 103 Section J and Line 502 Section K IX TWO MORTGAGES If there are two mortgages a new file must be created To save time a copy of the existing file can be made A Copying Files To copy a REsource file it is necessary to create a second file To create a second REsource file l Page 7 40 Click the Add New File Number button or select File gt New File No Suggest from the menu bar Enter the Tax ID Number Click the Search button and the Create New button The Enter New File scre
453. ter any appropriate remarks or none ST 1 7 Tax Deed Tax Deed Proceedings Wisconsin With respect to the PR Enter annual forfeiture or scavenger ST1 1 tax sale of the land on PR Enter date of tax sale DT2 2 to PR Enter name s of person entity purchasing taxes ST1 3 by virtue of the non payment of the general real estate taxes for the non payment of the forfeited general taxes for the year for the delinquent taxes for the years to the following is noted ATG REsource User Manual Page 14 59 ATG 5 15 a The question of the willingness of ATG to insure title derived through the tax deed proceeding should be submitted to an underwriting attorney of ATG b A petition in conformity with the provisions of Wisconsin Property Tax Code should be filed in the Circuit Court of PR Enter name of County ST1 4 County Wisconsin in the proceeding wherein the judgment of sale was entered and after due notice has been given to the persons entitled thereto an order should be entered on said petition adjudicating that said petitioner has in all respects complied with the provisions of the Constitution of the State of Wisconsin and the Property Tax Code entitling the certificate holder to a deed and ordering and directing the County Clerk to execute and deliver a deed c The deed should be issued and filed for record within the time provided by the Property Tax Code d The notices and deeds issued pursuant to th
454. the HUD This data is then used to create receipts deposits and disbursements checks in the Check Writing module Check Writing continuously updates checks and deposits as changes are made to the HUD The calculation of many HUD items such as title charges transfer taxes and government fees and their subsequent disbursements checks are automatically performed based on information already entered in Order Entry and ATG Edit Services VII SPEED HUD SETTLEMENT STATEMENT SCREEN A Use one of the following three methods to access the Speed HUD l 2 ATG RESouRCE User Manual ATG 5 15 Click the HUD Settlement Statement button drop down arrow a Speed HUD button be Select Data Entry gt Speed HUD from the menu bar and select the Page 7 27 Page 7 28 Tabs Press lt Alt gt lt D gt then lt P gt The Speed HUD screen displays SHUD Settlement Statement 6 4 02 S glg uU 2 8BOS8 alst Status Preliminary gt A Page One Page Two Settlement Statement U S Department of Housing and OMB No 2502 0265 Page 1 A Urban Development B Type of Loan 1 FHA 2 7 FmHA 3 4 Cony Unins 6 File Number 7 Loan Number 8 Mortgage Ins Case Number 4 7 VA 5 07 Convins 6 7 SellerFin 090900101386 123 456789 7 Cash Sale C Note This form is furnished to give you a statement of actual settlement costs Amounts paid to and by the settlement agent are shown Items marked p o c
455. the amount of PR Enter existing mortgage amount CU1 7 and such other sums as provided therein Agent Fee Effective September 1 2003 and pursuant to the Amendment to the Title Insurance Act a Fee of 3 00 will be added to each policy issued and listed on the HUD 1 as an Illinois Title Insurance Agent Registration Fee Section 3607 USC but omitting any such covenant or restriction based on race color religion sex handicap familial status or national origin unless and only to the extent that said covenant A is exempt under Chapter 42 Section 3607 of the United States Code or B relates to handicap but does not discriminate against handicapped persons Spouse Rights and interest of the spouse if any of title holder or person s taking title named in Schedule A Note The present marital status of the grantors herein named must be disclosed in any subsequent deed of conveyance and or mortgage ATG 1s asked to insure and their spouses if any must join in the execution of said instruments in order to release any homestead rights Policy Tax Pursuant to the Illinois Title Insurance Act 215 ILCS 155 1 et seg a fee of 3 00 is imposed for each policy issued by a title insurance agent This fee will be charged to the party or parties ordering the title insurance policy or policies Forgery Right title and interest of PR Name of Grantor s in deed less than 12 months old ST1 1 purported grantor in the deed re
456. the following is noted a The question of the willingness of ATG to insure title derived through the tax deed proceeding should be submitted to an underwriting attorney of ATG b A petition in conformity with the provisions of Article 22 of the Property Tax Code 35 ILCS 200 22 5 et seq should be filed in the Circuit Court of PR Enter name of County ST1 4 County Illinois in the proceeding wherein the judgment of sale was entered and after due notice has been given to the persons entitled thereto as provided in sections 22 10 22 15 22 20 22 25 22 30 and 22 40 of the Property Tax Code 35 ILCS 200 22 10 200 22 15 200 22 20 200 22 25 200 22 30 and 200 22 40 an order should be entered on said petition adjudicating that said petitioner has in all respects complied with the provisions of the Constitution of the State of Illinois and the Property Tax Code entitling the certificate holder to a deed and ordering and directing the County Clerk to execute and deliver a deed c The deed should be issued and filed for record within the time provided by Sections 22 85 and 22 90 of the Property Tax Code 35 ILCS 200 22 85 and 200 22 90 d The notices and deeds issued pursuant to the proceeding should show the legal description and where applicable the permanent real estate index number e Notice should be served on the persons set forth below in accordance with sections 22 10 22 15 22 20 22 25 22 30 and 22 40 of the Prop
457. the lookup l Click the Lookup File Number button 2 Select the Locate File option from the File menu 3 Press lt Alt gt lt F gt then lt L gt The Find File dialog box displays Enter the File to Find l cancel 4 Enter all or part of the file number Page 2 2 ATG REsource User Manual ATG 5 15 D Select File Number Ea Search Characters Curent Fiter 0809001 Cisk Search fcr New Fier c609301 Search Fieno Gas OpenCate CloseDate CommitDate Department TitleCo LoanAmount Haim iNew 1593 2006 S 5C 060900 New 11 0 200 1 14 2006 1412 2006 11112200E TEST 1 1 0 2006 1 30 2006 147200 TEST Jane Q Member 1 1 2 2006 2 1 2006 14 900 TEST Jane Q Member 1 1 212006 112712006 14 9 200 TEST 1 1 9 2006 42 2006 4126 2006 TEST Jane Q Member 1 1r 9 2006 112412006 1 23 200 TEST Jane Q Member 1 1 20 2006 1 26 2006 122 200 TEST 1 1 24 2006 1131 00 TEST 1 1 26 2006 1900 2 2 2006 TEST 1 2 5 2006 2 5 2006 2 9 2006 TEST 1 2 5 2006 2 9 2006 2 9 2006 1 Sea rc h By Refresh Jf OK X Cancel Files are sorted by File Number You can use the Search By drop down list at the bottom of the screen to select Close Date Department Escrow Bank or Person as your search criteria Begin entering the file number or the selected search by information in the Search Characters field As you enter files matching your search criteria will display Select th
458. the provisions of the Public Aid Code against PR Insert name s of person who owes the money ST1 1 in the sum of PR Enter the amount of money they owe CU1 2 which notice was recorded PR Enter the date the lien was recorded DT2 3 as Document No PR Enter the recorded Document number ST1 4 Lien State Income Tax Notice of lien claimed by the State of Illinois under the provisions of the Illinois Income Tax Act against PR Insert name s of person who owes the money ST1 1 in the sum of PR Insert amount of money they owe CU1 2 which notice was recorded PR Insert date the lien was recorded DT2 3 as Document No PR Insert Document number ST1 6 Lien State Sales Tax Notice of Lien claimed by the State of Illinois under the provisions of the Retailer s Occupation Tax Act against PR Enter name s of person who owes the money ST1 1 in the sum of PR Enter the amount of money they owe CU1 2 which Notice was recorded PR Enter the date the lien was recorded DT2 3 as Document No PR Enter the recorded Document number ST1 4 Lis Pendens Lis Pendens Notice dated PR Insert date of lis pendens here DT2 1 filed by PR Insert name of person s filing the lis pendens here ST1 2 against PR Insert name s of persons receiving the lis pendens here ST1 3 in Case No PR Insert case number here ST1 4 in the Circuit Court of PR Insert name of County here ST1 5 County Il
459. the year 2005 in the amount of PR Enter the 2005 tax amount CU1 16 are PR PAID SOLD OR REDEEMED AND DATE ST1 17 Taxes for the year PR Enter the current year ST1 18 are not yet due and payable Permanent Index No DB Property TaxID SN1 EXEMPTIONS PR Enter the exemptions on the property ST1 19 TOWNSHIP PR Enter the Township ST1 20 LOT SIZE ACREAGE PR Enter the lot size or acreage ST1 21 ACCESS PR Enter the access street or road ST1 22 Taxes Madison Later Date Taxes for the year PR Enter the last year that taxes were paid YYYY IN1 1 and thereafter First installment 2008 taxes in the amount of PR Enter the amount of Ist installment of tax CU1 2 is PR PAID UNPAID AND DUE 08 06 2009 OR SOLD ST 1 3 Second installment 2008 taxes in the amount of PR Enter the amount of 2nd installment of tax CU1 4 is PR PAID UNPAID AND DUE 10 06 2009 OR SOLD ST1 5 Third installment 2008 taxes in the amount of PR Enter the amount of 3rd installment of tax CU1 6 is PR PAID UNPAID AND DUE 11 06 2009 OR SOLD ST1 7 Fourth installment 2008 taxes in the amount of PR Enter the amount of 4th installment of tax CU1 8 is PR PAID UNPAID AND DUE 01 06 2010 OR SOLD ST1 9 Taxes for the year PR Enter the current year ST1 10 are not yet due and payable Permanent Index No DB Property TaxID SN1 EXEMPTIONS PR Enter the exemptions on the property ST1 11 Letter Report
460. ther with all assignments thereof 1f any c A written statement from the Board of Directors of the cooperative corporation that authorizes and consents to the lease assignment or mortgage to be insured and to any transfer or mortgage to be insured and to any transfer or pledge of stock related thereto d A written statement from the Board of Directors of the cooperative corporation that there are no unpaid assessments special assessments or other charges with respect to the leasehold to be insured and that there has been no default under the terms of the lease This statement must cover the period that includes the recording date of the lease assignment or mortgage to be insured CORPORATIONS DOMESTIC Active The certificate of authority of PR Enter name of Illinois Corporation ST1 1 to do business in Illinois issued by the Secretary of State should be produced and in default thereof the policy or policies to be issued will contain the following exception Consequences if any that may result because of the failure of the party in title to the estate or interest in the land described in Schedule A to comply with the applicable doing business laws of the State of Illinois Upon a conveyance or mortgage of the land provide a certified copy of proper resolutions passed by the stockholders and directors of the party in title authorizing the execution of the deed of conveyance or mortgage Franchise tax in favor of
461. this feature on page 6 of this section Expand Work Area Enlarges text entry area E All Options Includes all text formatting options F Build Document Prompt Not in use at this time 3 Insert Names from Order Entry Inserts the buyer seller or lender names from Order Entry Right Click in text area Drop down menu displays all text editing functions ATG REsource User Manual ATG 5 15 B Owner Insured l Enter the Buyer Seller and Lender names in the corresponding tabs in Order Entry Fa Commitment Policy Binder Commitment Policy Logging Al Ent Sched Sched B Policy Policy Options Effective Date Effective Time Issue Date Issue Time pron ef el S e Owner Policy Proposed Insured jure Polic mount 200 000 00 B nie Ori T Insured Suppress Names Ig E la E A Borrower Suppress Mames IE Commitment 1 NFB Interest In Land Fee d 1 ea By E alal H Suppress Names fer insured Bat J Buyer Owner Insured Mortg Borrower Current Title Holders Legal Desc More Int In Land 2 Each of the Suppress Names checkboxes will be checked This setting allows the names of the Buyer Seller and Lender to pull from the Order Entry tabs With the Owner Insured sub tab open click the Insert Owner Name s in Text Box button 4 The Buyer name will display in the text area This name will appear as shown as the Proposed Insured for the Owner s Policy on the Commitment You may edit if necessary
462. tion EA El OK M Cancel 3 Enter the name of your Control file in the File field 4 To change the check to a wire click the Turn Check to a Wire button 5 Enter the Date Amount and Payee 6 Apply the receipt to a Reconciliation if necessary 1 Click OK ATG REsource User Manual ATG 5 15 D Add a receipt to the Control file i Open Complete Closing Escrow Accounting PA Click the Quick Deposit Entry button to open the Deposit Editor File Deposit Date Type Funds Bank 897 OO ce q pem EE al a heck Payor Armourit First National Bank fst 500 00 Description Received By Initial Deposit Reconciliation Clear Slip F UT Deposit Slip Verified Date Transfer Slip a Xn Enter the name of your Control file in the File field 3 4 Enter the Deposit Date Type of Funds Payor Amount and Description 5 Apply the deposit to a Reconciliation 1f necessary 6 Click OK XXX ESCROW ACCOUNTING BEST PRACTICES A If your existing REsource escrow account has not been reconciled using Complete Closing Escrow Accounting it is advisable to open a new Escrow Account at your bank When your new account and checks are ready contact the REsource Help Desk to have a new REsource Escrow Account number assigned to you By default all new files will be opened using the new REsource Escrow Account number When you receive the first bank statement for your new account contact the REsource Help Desk for assistan
463. tiple Notes for a file a Click the Add New Note button to create a new Note The date will appear automatically b Click the Delete Current Note button to delete a Note C Click the Display All Notes button to display or print all the Notes in this file d Click the View Selected Note button to display the entire Note that is highlighted e Click the Edit and View Selected Note button A to display the entire Note that is highlighted A confirmation message will appear Click OK to edit the data in this expanded work area f Click the Publish Unpublish Note to PaperlessCloser button El to publish or unpublish the selected Note 14 Using Templates to Copy a File Using a Template for Order Entry The Use Template feature will copy all Order Entry data except the Sale Price Earnest Money and Loan Amount from an existing file or from a template file There is also a Use Template feature to copy the Commitment and Policy data from an existing file or from a template file NOTE It is recommended that you use the Use Template feature prior to adding data to the file Two confirmation messages will display upon selecting Use Template indicating that any data previously entered in the Order Entry tabs will be deleted and replaced with the data from the selected existing file a Create a new file If this file is for the purpose of creating a second HUD 1 Settlement Statement or a second Commitment type the existing fil
464. tisfactory to ATG a copy of which is furnished herewith Illinois Notary Requirements Any document purporting to convey title to residential real property in Cook County Illinois must comply with the requirements of the Illinois Notary Public Act 5 ILCS 312 1 101 ef seg and specifically the requirements of Section 3 102 of the Act requiring that a Notarial Record be made Chain of Title Last Deed of Record Warranty Deed dated and recorded as Document from grantor to grantee DISABLED PERSON General Wisconsin Proceedings pending in the Circuit Court of PR Enter name of County ST1 1 County entitled Estate of PR Enter name of disabled person ST1 2 a disabled person under Case No PR Enter disabled person s case number ST1 3 Any conveyance of the land must be made by the guardian of the Estate of PR Enter name of disabled person ST1 1 a disabled person pursuant to a proper order entered in Case No PR Enter minor s case number ST1 2 and such conveyance should recite that the same is executed pursuant to a proper order entered in Case No RP 2 ordering the conveyance and should recite therein the full consideration for which it is given In addition the guardian should file any bond required by Section 880 13 of the Wisconsin Statutes Statutory right powers and duties of the guardian of the Estate of PR Enter name of disabledperson ST1 1 a disabled person
465. tive Date Effective Time lssue Date lesue Time GE LE en Same SL pl Cl Mortaagee Folic Amount 200 000 00 Te I Insured Suppress Names Ig Owner Policy Proposed Insure Amount 300 000 00 M Suppress Names Text Only T Coman Suparses Memes les Commitment ronson 01807 M 2nd Morg Insured Suppress ME Interest In Land Fee Simpe T EB B wl CEOLE 2nd Morty Insured second Federal Savings amp Loan Assoc of Chicago 2 Mortg Insured Owner Insured Mortg Insured Mortg Borrower 2nd Mortg Insured Current Title Holders Legal Desc More Int lr 4 r ATG RESOURCE User Manual Page 12 1 ATG 5 15 D Click the Insert Morts Insured Name s in Text Box button to insert the Second Mortgagee s name s E Select the Commitment gt Schedule B gt Exceptions sub tab to select exceptions for inclusion in or exclusion from the policies F Select the Policy tab Fie Commitment Policy Bin Commitment Policy Lg 4 CmtSchedA Schede Polity Policy Options Owner Policy Number 100900101 807 01 Mortgagee Policy Number fi 009001 01807 01 a Es Me Underwriter Report Date FF Premium Information Owner Premium 1 445 00 E E 7 Mortgagee Premium 895 00 remiu IEEE and Ins Marig Des na Mortgage dated June 2 2010 and recorded June 1 2010 as C 2 Mortg Sched B Buyer and given to Second Federal Savings amp Loan Assoc of CR amount
466. tlement Charges to borrower 104 105 Page 7 30 ATG REsource User Manual ATG 5 15 3 To return the section to its collapsed original format click the Collapse button Pal HUD Section Contracted Summary of Borrower s Transaction 3 100 Gross Amount Due From Borrower NES 200 000 00 are 55 062 12 D SS 4 Sections on the Page Two tab can be expanded and collapsed at one time To expand all sections at once click the Expand All Sections button Fal on the toolbar or right click to display the menu and select Expanded View 5 To contract the page click the Contract All Sections button N or right click to display the menu and select Expanded View F Toolbar To assist you in navigating the Speed HUD there are a number of toolbar buttons identified below The Expand All Sections BI and Contract All Sections Pal buttons are only visible on the Page Two tab Select Prorations System 3 Party Payee Expand All Sections ayn Lender Breakdown WARNING Proration Override Exists Contract All Sections k Print HUD 1 Settlement Statements a Click the Print HUD button 7 to print the entire HUD b To print only the Buyer s HUD or Seller s HUD click the drop down arrow on the Print HUD button and select from the drop down list 2 Preview HUD Statements Click the Preview HUD button La to preview the HUD prior to printing To preview only the Buyer
467. to ATG Fees an to patina nena from GFE 8 2 250 00 P A a er RL RE 300 00 RE PS ae du er Se from GFE 7 129 00 os ED nn Release Status Vernfication Fee 46 00 to ATG Fees an Asegnment of Mortgage to State Regulatory Fee Owners PRES 3 00 to ATG Fees an ee State Regulator Fee Mortgage 0 00 to ATG Fees an a ea OO Meee to ATG Fees an City Tax Stamps RE 5900 00 to ATG Fees an cd Recording Fees 1 All Buyer recording fees roll up to Line 1201 which is also referenced by GFE 7 Additional Fields can be used for calculating the page count totals for Line 1202 11 Recording fees if entered in ATG Edit Services populate the appropriate HUD lines They can also be entered manually Be sure to enter the correct payee Transfer Taxes 1 Appropriate State County and Municipal transfer taxes populate the HUD on Lines 1204 1205 1211 and 1212 11 State and County transfer taxes populate as Seller charges by default They may be moved to the Buyer column by deleting the amounts in the Seller column Line 1203 is a roll up line including the total of all taxes also from GFE 8 Additional Lines O Additional Lines and include in Line 1201 Transfer Tax Select to enter amount outside the column and include in Line 1203 f General HUD Line Select to enter amount inside the column and not include in Line 1207 or Line 1203 Disclosure Line Select to enter a description
468. to select the recon to which the check is to be added WARNING This option affects the balance of both the current recon and the recon the check is being added to If you are adding a check to a recon that has already been finalized each of the three way reports needs to be run again to verify that the ending balance is correct If a number of checks were missed from a previous reconciliation highlight them in the Check display and then select this option The Find Other Recon screen opens allowing you to select the recon to which the checks are to be added WARNING This option affects the balance of both the current recon and the recon the checks are being added to If you are adding checks to a recon that has already been finalized each of the three way reports needs to be run again to verify the ending balance is correct If a deposit was missed from a previous reconciliation highlight it in the Deposit display and then select this option The Find Other Recon screen opens allowing you to select the recon to which the deposit is to be added WARNING This option affects the balance of both the current recon and the recon the deposit is being added to If you are adding a deposit to a recon that has already been finalized each of the three way reports needs to be run again to verify the ending balance is correct If a number of deposits were missed from a previous reconciliation highlight them in the Deposit display and then
469. to the Terminal Server disconnect by selecting Start gt Log Off User l 2 Log in at www atgf com with your user name and password Under ATG Member Attorneys click View ATG REsource User s Information Scroll down to Downloads to download setup files and instructions for Remote Print and Simplify Printing ScrewDrivers Follow instructions for setup of both applications Page 1 3 VII LOGGING ON Log on to Windows 2 Windows Server 2003 After completing the REsource installation an icon will be Standard Edition created on your desktop To access REsource Copyright 1985 2003 Microsoft Corporation U Username sts CS SSCS S A Double click the REsource icon Username User Name Password essees tt s i s A new terminal server window will open and the Log logont fare on to Windows dialog box will appear cne Shut Down Options lt lt B Enter your User Name and Password and enter ATGF in the Log on to box The password is case sensitive use lower case letters C Click OK VIII RESOURCE DESKTOP A Notice that your desktop 1s now behind the REsource desktop B To return to your own desktop Coit EE P File Edit view Favorites Tools Help without closing your REsource 425 4 0 9 seh i Fods Ge session hover over the top of the Address D RamQuest Software Complete Closing ATG REsource Desktop SE Sy Complete Cl
470. tor Confirm Date Need SRCH Closing Time Buyers Realtor zii F7 f2005 Be Sales Price Member Member File OE sont Test Region 0 Notes Page 13 28 ATG REsource User Manual ATG 5 15 2 From the Order Entry gt Main tab click the Use Template button LS Template 3 Click OK on the confirmation prompts that indicate the selected template will override any data entered in the Order Entry tabs The Select Template window opens Search Characters 030030100002 030152600002 030168900135 030347000002 040006400158 040029600003 040035800017 040055800003 0400940001 04 04gisann Template 7 Template Template Template Template Template Template Template Template Template All Orders Search By File Refresh All Orders 5841 2004 10 30 2003 62 2003 2 27 2004 5417 2004 3 16 2004 2 6 2004 10 26 2004 73 2004 8411 2004 7 30 2003 4 29 2004 3 31 2004 2 6 2004 7415 2004 7 30 2003 11 6 2003 6 19 2003 3 5 2004 5 24 2004 3 23 2004 2 13 2004 11 2 2004 7 20 2004 8 18 2004 radMoService TradNoService Closed TradMoService Order Entry TradMoService Closed TradMoService Cancelled TradMoService TradMoService TradMoService ms d d f Be Fieno Sttus OpenDate CloseDate CommitDate Department TitleCo LoanAmount 23 2003 7 30 2003 T i 78 4030010100002 55 76 53 1 41 256 125 17 160 53 241 155200 155200 17
471. truction A transaction insuring previously unimproved property Cash A transaction where there is no Lender Page 4 5 Page 4 6 Endorsements Tab Select all endorsements indicated by the type of transaction or required by the lender The underwriting fees due ATG and consumer fees if any will display in the ATG Buyer or Seller columns and will be included in the totals Consumer charges for endorsements will appear on the Invoice for Title Charges the HUD 1 Settlement Statement and the AIS Select required endorsements if any by clicking the checkbox ATG Services Title Prep Endorsements Closing Search Bec Misc Commercial O ther ATG Buyer Seller Endorsements Assign of Title Insurance Policy Assumption Certificate T Bond In Liew OF Comprehensive 1 M Condo Blanket 1 ALTA 4 PF Condo Blanket 2 ALTA 4 1 Construction Loan Disbursement PF Conformity PF Encroachment M EPL ALTA 8 1 PF Estate Planning Conveyance Gap Coverage Homestead Mic men tere cone WF Location Location 2 Condo Planned Unit Dev 1 Planned Unit Dev 2 ALTA 5 1 M Best Encr Minerals ALTA 9 Revolving Credit Std Ex Waiver 1 Residential Std Ex Waiver 2 Com 4 vacant Var Rate Mtg ALTA 6 Var Rate Mtg Neg Am Var Rate Mtg Regulations Contract Purchaser A PF Contract Purchaser B iiaaiaariiaaaaaaa NOTE Endorsements that are required but not listed on the ATG S
472. tus of tenancy at time of death and the value of the estate of PR Insert name of deceased joint tenant here ST 1 1 deceased and this commitment is subject to such further exceptions if any as may then be deemed necessary General A satisfactory table of the heirship and proof of the death testacy or intestacy and of the value of the estate of PR Enter name of deceased person ST1 1 deceased should be furnished and this Commitment is subject to such further exceptions if any as may then be deemed necessary Claims against the estate of PR Enter name s of Decedent s ST1 1 deceased Federal and Illinois Estate Taxes that may be charged against the estate of PR Enter name of deceased person ST1 1 Statutory rights powers and duties of the personal representative of the decedent if and when appointed Miscellaneous Proceedings pending in the Circuit Court of PR Enter name of County ST1 1 County entitled Estate of PR Enter name of deceased person ST1 2 deceased under Case No PR Enter casenumber ST 1 3 Right of any person to demand formal proof of the will or to contest the will of PR Enter name of deceased person ST1 1 deceased within the time provided by the Probate Act Statutory rights of PR Enter name of surviving spouse ST1 1 surviving spouse of the decedent to renounce the will of deceased and take statutory share Power of sale conferred upon PR Enter name
473. uch matters as may be disclosed Standard Exceptions 1 3 Rights or claims of parties in possession not shown by the Public Records Any encroachment encumbrance violation or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land The term encroachment includes encroachments of existing improvements located on the Land onto adjoining land and encumbrances onto the Land of existing improvements located on adjoining land Easements or claims of easements not shown by the Public Records TRUSTS Land Trust Terms powers provisions and limitations of the trust under which title to the property is held Living Trusts A properly certified copy of the original trust agreement under which title to the land is held together with a statement in writing by the trustee that it will produce the original agreement upon request should be furnished and this commitment is subject to such further exceptions if any as may be deemed necessary ATG should be advised as to whether the trust under which title to the land is held is still in force and effect and this commitment is subject to such further exceptions if any as may be deemed necessary Terms powers provisions and limitations of the trust under which title to the land 1s held UNSUBDIVIDED VACANT Plat Act In the event any future conveyances of the premises in question would divide the subject premises into two or m
474. uld be affixed to the deed prior to closing Note for Information Pursuant to City of Wheaton Ordinance 193 the Seller must pay the water bill current to closing in order for Purchaser to obtain the City of Wheaton transfer tax stamp Wheaton Tax The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by THE CITY OF WHEATON As of the date of this commitment Wheaton tax rate is 2 50 per 1 000 00 payable by the Buyer before closing All Deeds presented to ATG for recording must have ATG RESourRceE User Manual Page 14 43 ATG 5 15 the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form Note If Property is exempt from stamps a 25 00 exemption fee is required Wheeling Transfer Certificate Compliance must be made with Section 15 38 of the Wheeling Municipal Code regarding the issuance of a Real Estate Transfer Certificate prior to the recording of a Deed of Conveyance Woodridge The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF WOODRIDGE As of the date of this commitment Woodridge tax rate is 2 50 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEM
475. under which the limited liability company acquired and holds title or held title should be furnished and this commitment is subject to such further exceptions if any as may then be deemed necessary A Certificate of Good Standing issued by the Department of Financial Institutions should be produced and in default thereof the final policy or policies will contain the following exception Consequences if any that may result by reason of the failure of the party in title to the estate or interest in the land described in Schedule A to comply with the applicable doing business laws of the State of Wisconsin ATG RESourRce User Manual Page 14 29 ATG 5 15 Upon a conveyance or mortgage of the land a certified copy of the proper resolutions authorizing the execution of the deed or mortgage by PR Enter the name of the Limited Liability Company ST1 1 a Wisconsin limited liability company should be produced to ATG for examination and this commitment and any policies committed for thereunder are subject to such further exceptions as may then be deemed necessary General Illinois Terms provisions and limitations of the Articles of Organization and Operating Agreement for PR name ofLLC ST1 1 an Illinois limited liability company The Articles of Organization and the Operating Agreement establishing the limited liability company of PR name of LLC ST1 2 together with all amendments thereto properly ide
476. utton to open the Deposit Browser screen which displays all deposits and deposit slips for the selected escrow bank You can also search for deposits by file number amount range date range voided valid status and or cleared outstanding status To make a change to a deposit double click deposit to open the Deposit Editor screen From there you can change the file number deposit date type of funds payor and deposit description add to a deposit slip clear the deposit slip verify the deposit and apply it to or remove it from a finalized reconciliation NOTE Changes made here are reflected on the Deposits tab of the Check Writing screen as well as the reconciliation Quick Check Entry Click this button to open the Check Editor screen where you can add any unrecorded checks to a file without exiting Escrow Accounting and opening Complete Closing Quick Deposit Entry Click this button to open the Deposit Editor screen where you can add any unrecorded deposits to a file without exiting Escrow Accounting and opening Complete Closing Current Escrow Trial Balance Browser Click this button to open the Current ETB screen which displays the file number total receipts disbursements account balance last date of activity and escrow memos for the selected escrow account Active Investment Accounts Click this button to open the Open Investment Accounts screen This screen lists the file number total receipts disbursements and accoun
477. ver the PR Enter location here 1 e North South East or West ST1 1 and PR Enter distance in feet here IN3 2 feet of the property as evidenced by poles conduits sewers etc Standard Language Easement for PR Enter the purpose of the easement ST1 1 as set forth in PR Describe the document creating the easement ST1 2 dated PR Enter the date of the easement DT2 3 and recorded PR Enter the date the easement was recorded DT2 4 as Document PR Enter Document number ST1 7 from PR Enter name s of person s granting easement ST1 8 to PR Enter name s of person s receiving easement ST1 9 Termination Senior Lienholder The easement created by instrument dated PR Enter date of document DT2 1 and recorded PR Enter date document was recorded DT2 2 as Document No PR Enter Document number ST1 3 was not executed by PR Enter name of missing lender ST1 6 a senior lienholder on the servient tenement In the absence of such execution or other consent to the creation of the easement this commitment and all policies issued pursuant hereto shall be subject to the consequences of such absence of lienholder execution or consent ENCROACHMENTS Adjoining Land Lot Line A survey discloses an encroachment by PR Describe the building or structure that is encroaching ST1 1 located on the property to the PR Enter direction North South etc of encroachment ST1 2 an
478. will recalculate including manually created checks e g Splits Payee changes etc ATG REsource User Manual Page 8 3 ATG 5 15 Page 8 4 l If a change is made to the HUD 1 and all deposits have been dated and posted then Checks and Deposits will not automatically recalculate The following informational prompt will display Information x ba Order contains depositis J Receipts and Disbursements have MOT been re created 2 You must manually adjust Checks and Deposits to reflect the changes to the HUD I Settlement Statement Complete Closing Enterprise 09 09 02 SP2 File Data Entry Utilities Window ATGF Extensions Help 1 Y Si ti FileNum ososcorccccs i x Bank 1 Bank One Amount besoin Pav amont 99 999 00 pior Amount 1st Mortgage of Illinois t 99 999 00 Payor Funds from Buyer Bob Buyer 99 659 00 fi st Mortgage of Illinois Inc e Deposit Date Transaction ID Type of Funds Fj 040900100033 Expected Wire E Deposits Receipts 0 00 Schedule Disbursements 199 658 00 Anticipated Dep Balance 199 658 00 0 00 Actual Disbursements 0 00 Pre Disbursements Balance 199 658 00 Account Balance 0 00 Post Current Deposit 9 DB AG Your Files p fanna Krumtinge Complete Closing displays all the current deposits on the Deposits tab in a scrolling window on the right side with the Description Payor and Amount for each To select an item eithe
479. wing that the property abuts a physically open public way or a private way of which the property has legal access ATG RESOURCE User Manual Page 14 1 ATG 5 15 Contiguity 4 Endorsement In order to issue the Contiguity Endorsement 4 we must be provided with a survey of the property dated within the previous six months showing that all parcels listed on Schedule A constitute a single tract of land with no gaps or gores between any parcels Creditors Rights Endorsement In order to issue the Creditors Rights Endorsement on the final Loan Policy approval must be obtained from an ATG underwriter Please call PR Enter name and telephone number of ATG underwriter ST1 1 for additional requirements Direct Operations Payment and release of record of the mortgage s set forth as exception number s PR Enter exception number s for mortgage s to be released ST1 1 We must be advised in writing of the name of anyone not referred to in this commitment who will obtain an interest or who will make a loan on the land We may make additional requirements or exceptions relating to the interest or loan In order to provide full ALTA coverage on the Loan Policy for residential property we must be provided with a fully executed and notarized ALTA Statement ATG Form 3004 and Affidavit in Lieu of Survey ATG Form 3001 The policy will be subject to such additional matters disclosed by these documents Survey Endorsement In
480. wire number ee 3 Status Payee Split ral m Transfer Print Undo Void Delete Amount aver mount Bank 50 RGTEST Bank M ire Transfer s M Transfer to Other File Wire Murmber Date of Wire CET FA ATG REsource User Manual ATG 5 15 G To move one or more disbursement items from one payee to another or for combining separate payments into one check to one payee l Select the first disbursement 2 To select additional disbursement items press lt Ctrl gt 3 Press and hold the left mouse button and drag the mouse to the right until the desired check is highlighted and checked 4 Release the mouse button ATG RESOURCE User Manual Page 8 9 ATG 5 15 9 Escrow Accounting AX ATG 9 ESCROW ACCOUNTING I INTRODUCTION The Complete Closing Enterprise Escrow Accounting program works with Complete Closing Enterprise to enable you to reconcile monthly escrow account bank statements and to prepare the three components of the monthly Three Way Balance You can also verify deposits review checks and deposits edit checks and deposits review files with escrow account balances review files with investment account balances and administer investment accounts To access the Complete Closing Escrow Accounting module click the Complete Closing Escrow Accounting icon on the REsource Desktop D RamQuest Software Complete Closing ATG REsource Desktop File Ed
481. with Lender 1000 Reserves Deposited With Lender Payee ABC Bank Le E 39 1001 Hazard insurance 2 months co 30 00 per month 60 00 1002 Mortgage insurance months 10 08 per month 000 1003 County property taxes months m 0 00 per month 000 1004 County property tases 4 months 333 00 per month 1 332 00 1005 Special Assessment months tu 0 00 per month 000 1006 Homeowner Asc Dues months m 0 00 per month 000 1007 Flood insurance months i 0 00 per month 000 1008 Other taxes months 0 00 per month 000 1011 Aggregate Reserve Adjustment 411 00 NOTE The Payee and POC fields in this section do not appear on the printed HUD ATG REsource User Manual ATG 5 15 a Lines 1001 1009 The information on Lines 1001 1009 can be overridden clicking the Set to Partial Override button or by pressing lt Ctrl gt lt O gt Totals are automatically calculated based on the number of months and the amount This is the preferred method b Line 1011 Aggregate Reserve Adjustment To enter a negative amount for a credit begin the number with a minus sign Negative numbers are displayed in parentheses Use POC Code X if amount 1s to be added to the deposit from the lender 6 Section 1100 Title Charges 1100 Title Charges EVENS aes 1101 Closing E crow Fee to Test R Member 550 00 0 00 1102 Environmental Lien Protection Endorse to Test R Member 135 00 0 00 1103 SAM Endors
482. wser or 3 Press lt Alt gt lt T gt then lt D gt Deposit Browser Amount to Fibt A Bank 547 No Bank Selected Date O1 01 2013 ER to 03 31 2013 EA o Bank selecte m a ne m Clearance Status All Deposits Apply T _ File _ DepDate Payor mount Description FeconDate Bank 897 01 01 2013 Test A Member Operating Account 1 500 00 Initial Deposit 01 31 201 3 13090010260 02 05 2013 Bart Sam Buyer and Mary Ellen 20 334 11 Funds from Buyer 0226 2013 13090010260 02 12 2013 abc LENDER 91 906 43 Loan Amount 02 29 2013 Pal 209001 02711 0370472013 ABC Bank 100 000 00 Loan Amount 13050010271 03 04 2013 Bob Buyer 2218 00 Funds from Buyer a 4 d Edit Selected Deposits E3 Deposit Date Bai VYerhed Date Fi Recon Date El Bank x Delete Ke E dit C To search for a group of deposits select any or all of the criteria below For any field you leave blank the search is unrestricted for that criterion OPTION DESCRIPTION Amount To search for a range of amount figures enter the low and high amounts To search for an exact amount enter that figure in the first Amount field The decimal point is optional for whole dollars Do not include the Dollar Sign in your entry Date To search for a range of deposit dates enter the beginning and ending dates To search for an exact deposit date enter the date in the first Date field or click the Calendar button FA to select a date
483. x 708 952 7119 ORLAND PARK 15418 South Harlem Avenue Orland Park IL 60462 4333 708 614 7777 Fax 708 614 7772 t To schedule a closing in one of these locations call ATG s Closing Department at 312 372 1585 ATG SUBSIDIARIES AIG LEGAL EDUCATION 2102 Windsor Place PO Box 9136 Champaign IL 61826 9136 800 252 0402 217 359 2000 Fax 217 359 2014 ATG LEGALSERVE INC One South Wacker Drive 24th Floor Chicago IL 60606 4654 312 752 1992 Fax 312 224 0206 ATG STAFF DIRECTORY Sign in at www atgf com At the top of the page click Staff Directories ATG FORM 4096 ATG REV 10 13 ATG TRUST COMPANY One South Wacker Drive 24 Floor Chicago IL 60606 4654 877 674 7878 312 338 7878 Fax 312 338 1594 AUCTIONS BY ATG One South Wacker Drive 24th Floor Chicago IL 60606 4654 312 752 1983 Fax 312 237 4789 THE JUDICIAL SALES CORPORATION One South Wacker Drive 24 Floor Chicago IL 60606 4654 312 236 7253 Ex29122363383 NET Tre BELVIDERE 530 South State Street Suite 201 Belvidere IL 61008 3709 815 547 9900 Fax 815 544 1710 CLOSING PROTECTION LETTER Sign in at www atgf com Under Start an Order click CPL Request SKOKIE 5215 Old Orchard Road Suite 360 Skokie IL 60077 1042 847 966 9560 Fax 847 966 9567 WHEATON 200 East Willow Avenue Suite 305 Wheaton IL 60187 5447 630 407 0256 Fax 630 407 0250 WISCONSIN N14W 23800 Stone Ridge Drive Suite 120
484. xceptions The Exceptions text area will display cy Commitment Policy Binder Ss a a e Cmt SchedA Sched B Policy Policy Options Standby Fees and Taxes Year xd Coury Leave Blank ES Signatory IEEE Sched B o Lookup Standard Language Items Expand Work Area Pull Field from Complete Closing Commitment Policy Logging All Options Premium Informatio Owner Premium 1 403 00 Mortgages Premium 903 00 Be Prem Sched E Reg Exceptions Notes to Closer Sched B Spell Check Checks spelling in text area Lookup Standard Language Items Contains a library of Special Exceptions For a list of Standard Language see the Standard Language Section of this manual lA K Pull Field from Complete Closing Copies exceptions and Legal Descriptions from other files Expand Work Area Enlarges text entry area All Options Includes all text formatting options w e me Build Document Prompt Not in use at this time Right Click in text area Drop down menu displays all text editing functions B Selecting Standard Language Exceptions from the Standard Language Library i To select standard language exceptions click the Lookup Standard Language Items button 4 The Select Standard Language Items window opens 2 Begin entering the Category name or click the Category drop down arrow to view all categories and then select the desired category Each category c
485. xclusion if possible of those items Recorded Judgment Transcript Certified copy Memorandum of judgment recorded on PR Insert date judgment was recorded here DT2 1 as Document No PR Insert Document number here ST1 2 for judgment rendered on PR Insert date of judgment here DT2 5 in the PR Insert name of court circuit appellate etc here ST1 6 court of PR Insert name of County here ST1 7 County in favor of PR Insert name s of winning person s here ST1 8 against PR Insert name s of losing person s here ST1 9 in the amount of PR Insert amount of judgment here in dollars and cents CU1 10 Series L L C Terms provisions and limitations of the certificate of designation and Operating Agreement of PR Name of series LLC ST1 1 a series of an Illinois limited liability company The Articles of Organization and the Operating Agreement establishing the limited liability company of PR name of master LLC ST1 2 an Illinois limited liability company together with all amendments thereto properly identified in writing by all of the members as being the terms and provisions of the articles and agreement under which the limited liability company acquired and holds title or held title should be furnished and this commitment 1s subject to such further exceptions if any as may then be deemed necessary The certificate of designation and Operating Agreement establishing PR name of seriesLLC ST1 3
486. xempt from stamps a 25 00 exemption fee is required Franklin Park The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the TOWN OF FRANKLIN PARK As of the date of this commitment Franklin Park is 25 00 or more depending on type of property payable by the seller NOTE If property is exempt from stamps a 25 00 exemption fee is required Hanover Park The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF HANOVER PARK As of the date of this commitment Hanover Park tax rate is 3 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form NOTE If Property is exempt from stamps a 25 00 exemption fee is required Harwood Heights The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF HARWOOD HEIGHTS As of the date of this commitment Harwood Heights tax rate is 10 00 per 1 000 00 payable by the Buyer before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked Page 14 40 ATG REsource User Manual ATG 5 15 EXEMP
487. y l After entering the new mortgage exception in the Insured Mortg sub tab highlight the text 2 Press lt Ctrl gt lt C gt to copy the text 3 Select the Owner Sched B sub tab 4 Place the cursor under the Real Estate Tax exception and press lt Ctrl gt lt V gt to paste the text 5 Press the lt Ctrl gt lt N gt to add the bullet V TITLE VESTED IN Instructions for completing the Title Vested In sub tab A Select the Title Vested In sub tab The Title Vested In text area will display to display Fa Commitment Policy Binder Commitment Policy Logging cl CmtSchedA SchedB Policy Policy Options Owner Policy Number 00900101807 01 EE Date ema E tine f aj ame Mortgagee Policy Number f 00900101 807 01 BS zl SHEE NE TERRE FA Premium Information Owner Premium 1 445 00 Mortgages Premium 595 00 aa Premium Insert Buyer Seller Names Title Vested In Owner Sched B Mortg Sched B Mortg Sched E Il Insured Mortg Title Vested In B Click the Insert Buyer Seller button to import the Name s of Buyer or Seller ATG REsource User Manual Page 10 5 ATG 5 15 VI PRINTING THE OWNER S POLICY AND LOAN POLICY Several document packages are available from the Print Document list The packages contain all of the individual documents commonly issued with the policies The packages appear in blue Select the ATG Pkg Mortgagee Pol 06 to print the Loan Policy o
488. y Name Page 3 4 ATG REsource User Manual ATG 5 15 D Searching for Agent Vendors using Super Search CR CE Name els tarag Phone Fax EE Cell Phone Number adress Contact Mame ooo ooo Futurs Use OoOO i Friendly Nane fo Futur Use county Ema adaress I Payot Location Motes PO F Include Agent Cortacts Include Arcnived Agents Include One Tme Use Display Service Providers Only Search Characters wens Super Search close gt lee rtyage Inc Arline me in Heights SW Algonquid Road ist Advantage Motgage L L C Bloomington dba Mortgage Service ist Advantage Motgage LLC DBA Mortgage Services Bloomington 2205 E Empire St Unit B D 1st Advantage Motgage LLC Napervile 1315 Macom Unit 205 1st American Bank 1st Corrinental Motgage Inc Battimore Liz stevens 3210 Echodale Avenue Suite B 1st E Choice Mortgage Corp Milford Cheryl Koelling 400 Technocenter Drive Suite 405 1st E Choice National Mortgage Corporation Milford Joyze Lemon 400 Technecenter Drive 405 1st Equity Bank Skokie 3956 VV Dempster x Search By 1884 Record s Fo Name City j Refresh New Agent Show All iter Lender v Reg Reg 0810 V4 OK x Cance The addition of Super Search to the Agent Lookup screen allows users to find agents by additional criteria such as address phone or fax number contact name etc l The Super Search function can be turned on or off by toggling the Super Se
489. y Three Way Reconciliation report is displayed From there print the F report by clicking the Print button or save the report by clicking the Save button A To adjust the display size use the Zoom buttons ATG REsource User Manual ATG 5 15 XL FULL THREE WAY WITH SUMMARY A The Full Three Way with Summary option allows you to make one request to prepare the Book Components Balance Escrow Trial Balance and Reconciled Bank Balance of the Three Way Balance along with the Three Way Summary This option saves the steps of requesting and processing each report separately B To run the Full Three Way with Summary report l Select Reports gt Full Three Way with Summary or press lt Alt gt lt R gt then lt F gt The Book Balance screen opens 2 From the Select Bank drop down select the escrow bank NOTE The Select Bank drop down displays only region specific banks 1 e Region l users see only Region 1 banks 3 Enter the Starting Date or click the Calendar button FA to select a date which should be the first day of the month you are currently reconciling 4 Enter the Ending Date or click the Calendar button FA to select a date which should be the last day of the month you are currently reconciling 5 For the Beginning Book Balance enter the Ending Book Balance for the previous month 6 Click OK or click Cancel to exit the Book Balance screen The Full Three Way Monthly report is displayed Print the report
490. y loss damage cost or expense due to or arising out of the present unavailability of accurate tax information and this commitment and any policies committed for thereunder are subject to such further exceptions as may be deemed necessary Lottery Tax Credit Wisconsin Any possible charge for reassessment of taxes pursuant to the Lottery Tax Credit Rock Island Subject to the lien of any additional taxes for the year 2002 and thereafter resulting from construction of new or additional improvements in such year which are assessed in a subsequent year and added to a subsequent year s tax bill Rock Island County Taxes for the year PR Enter the year which taxes are a lien ST1 1 and thereafter First Installment PR Enter tax lien year here ST1 2 taxes in the amount of PR Amount of FirstInstallment CU1 3 is PR Enter tax status 1 e Paid Sold Not Yet Due and Payable ST1 4 Second Installment PR Enter tax lien year here ST1 9 taxes in the amount of PR Amount of Second Installment CU1 5 is PR Enter tax staus ST1 10 Third Installment PR Enter tax lien year here ST1 11 taxes in the amount of PR Amount of Third Installment CU1 6 is PR Enter tax status ST1 12 Fourth Installment PR Enter tax lien year here ST1 13 taxes in the amount of PR Amount of Fourth Installment CU1 7 is PR Enter tax status ST1 14 Taxes for the year PR Enter current year ST1 8 are not yet due an
491. y of proper resolutions passed by the stockholders and directors of the party in title in conformity with the laws of the State of PR Enter State of foreign incorporation ST1 1 authorizing the execution of the deed of conveyance or mortgage should be furnished The certificate of authority of PR Enter name of foreign Corporation ST1 2 to do business in Wisconsin issued by the Department of Financial Institutions should be produced and in default thereof our policy will contain the following exception Page 14 16 ATG REsource User Manual ATG 5 15 Consequences if any that may result because of the failure of the party in title to the estate or interest in the land described in Schedule A to comply with the applicable doing business laws of the State of Wisconsin Foreign Certificate of Authority The certificate of authority of PR Enter name of foreign Corporation ST1 1 to do business in Illinois issued by the Secretary of State should be produced and in default thereof the policy or policies to be issued will contain the following exception Consequences if any that may result because of the failure of the party in title to the estate or interest in the land described in Schedule A to comply with the applicable doing business laws of the State of Illinois Foreign Charter A certified copy of the charter and amendments if any and of the bylaws of PR Enter name of foreign Corporation
492. y the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form NOTE If Property is exempt from stamps a 25 00 exemption fee is required Elmwood Park also requires a property inspection prior to closing Glen Ellyn The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE GLEN ELLYN As of the date of this commitment Glen Ellyn tax rate is 3 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form NOTE If Property is exempt from stamps a 25 00 exemption fee is required Evanston The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF EVANSTON As of the date of this commitment Evanston tax rate is 5 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form NOTE If Property is e
493. y the property manager covering the date of recording of the deed and mortgage to the Insured If the affidavit or waiver of lien is not furnished the final policies will contain the following exception ATG REsource User Manual Page 14 3 ATG 5 15 Rights of a property manager if any to a statutory lien on the premises for its property manager s fee ATTORNEYS TITLE GUARANTY FUND INC 24 month Chain of Title Disclaimer Disclaimer This 24 month Chain of Title alone may not be used as the basis for the issuance of an ATG commitment or policy The liability of Attorneys Title Guaranty Fund Inc in connection with this search report is limited to actual damages arising out of an error contained herein but in no event shall said liability exceed 100 00 Taxes Five Years Taxes for the year PR Enter the last year that taxes were paid YYYY IN1 1 and thereafter First installment PR Enter the previous year YYYY IN1 1 taxes in the amount of PR Enter amount of the Ist installment prior year taxes CU1 2 is PR Enter whether PAID UNPAID AND DUE NOT YET DUE AND PAYABLE ST1 3 Second installment PR Enter the previous year YYYY INI 8 taxes in the amount of PR Enter amount of 2nd installment prior year taxes CU1 4 is PR Enter whether PAID UNPAID AND DUE NOT YET DUE AND PAYABLE ST1 5 Taxes for the year 2008 in the amount of PR Enter amount
494. yance of the land is subject to real estate transfer tax levied by THE CITY OF ROMEOVILLE As of the date of this commitment Romeoville tax rate is 3 50 per 1 000 00 payable by the Buyer before closing All Deeds presented to ATGATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form Note If Property is exempt from stamps a 25 00 exemption fee is required Schaumburg The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the VILLAGE OF SCHAUMBURG As of the date of this commitment Schaumburg tax rate is 1 00per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Municipality together with the applicable transfer declaration or exemption form NOTE If property is exempt from stamps a 25 00 exemption fee is required Skokie The Recording of any Deed or other instrument of conveyance of the land is subject to real estate transfer tax levied by the TOWN OF SKOKIE As of the date of this commitment Skokie tax rate is 3 00 per 1 000 00 payable by the Seller before closing All Deeds presented to ATG for recording must have the appropriate transfer tax stamps affixed thereto or be marked EXEMPT by the Munic
495. ying the function of that button Buttons and functions Order Entry General information is entered for the file such as buyer seller lender and property Speed HUD Produces the HUD 1 Settlement Statement Commitment Policy Preparation Used to enter information for Schedules A and B of the Commitment and Policies ee fel wy Print Documents Used to print documents LP Check Writing Creates receipts and disbursements based on the HUD 1 Settlement Statement and prints checks ns Commercial Settlement Statement Currently not in use ce Invoices Currently not in use PaperlessCloser Web Publishing Manages published documents and authorized users Pp File Scan Currently not in use Use the File Attachment Utility see below File 110900102184 Displays the Current File Number E Lookup File Number Locate a file by file number Search for File by Legal Description Locate a file by legal description or address Search for File by Buyer Seller Searches for a file using the Buyer s or Sellers Name Jump to File Opens a file by entering the exact file number name Super Search Searches for one file or a group of files based upon similar information such as file open and closed dates buyer seller property location or loan information v Ar M gt gt Closing Market Currently not in use i Add File Number Creates a new File wt Close Closes Complete Closing Enterpr
496. ys Reservation of easement contained in the ordinance of vacation dated PR Enter date of vacating ordinance DT2 1 and recorded PR Enter date vacating ordinance was recorded DT2 2 as Document No PR Enter recorded Document number of vacating ordinance ST1 3 for the benefit of PR Enter name s of person keeping easement ST 1 6 Wild Deed PR Enter name of recipient of wild deed ST1 1 obtained title by mesne intervening conveyances from PR Enter name of grantor in wild deed ST1 2 We find no title in RP 2 This should be explained and this commitment and any policies committed for thereunder shall be subject to such further exceptions as may then be deemed necessary 2005 Tax Information 2005 Warrant Books are unavailable at this time therefore we cannot get updated 2005 tax information until further notice Taxes Later Date Taxes for the year PR Enter the last year that taxes were paid YYYY IN1 1 and thereafter First installment PR Enter the previous year YYYY IN1 1 taxes in the amount of PR Enter amount of the Ist installment prior year taxes CU1 2 is PR Enter whether PAID UNPAID AND DUE NOTYET DUE AND PAYABLE ST1 3 Second installment PR Enter the previous year CYYYY INI 8 taxes in the amount of PR Enter amount of 2nd installment prior year taxes CU1 4 is PR Enter whether PAID UNPAID AND DUE NOT YET DUE A

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