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Will You Add? - HUD-1 As a Marketing Tool - For Realtors
What do the films Next, Wild Hogs, 28 weeks later, The hills have eyes 2 and many more have in common? Well, one surprising similarity is that the film distributors of all these films opted to advertise in restrooms!The washroom advertising blog was the first to pick up on this trend that started in Britain around December 2006. A modest start it was, with a highly acclaimed low budget film “Notes on a scandal” being advertised in restrooms. It must have worked well for Fox searchlight, since they advertised other films there in rapid concession and recently also showcase high profile films in restrooms. Other production houses and distributors followed suit, and as a result, if you have a pint in Britain, and you wonder in the restroom of a pub, you are very likely to find posters informing you of the films currently in a cinema near you. You might be greeted by a talking poster that briefly explains the plot of the film. You might be seeing a life sized Daniel Craig and Eva Green sitting on the floor, only to realize that you’ve been fooled by life size replicas stuck to the wall. The medium has indeed inspired a great deal of creativity.So why is it that in the last 6 months this medium has attracted so much attention from the film industry? Well, for one, it has a very small cost per thousand, and an impressive national reach. One restroom advertising campaign can reach 6.6 million young people in 2 weeks
Section 100, Gross Amount Due from Borrower
Section 200, Amounts Paid By or In Behalf of Borrower
Section 300, Cash at Settlement From/To Borrower
Section 400, Gross Amount Due to Seller
Section 500, Reductions in Amount Due to Seller
Section 600, Cash at Settlement To/From Seller
Section L, Settlement Charges
That's where many entries are tabulated before being brought forward to page 1. Columns contain charges that are paid from either the borrower's or the seller's funds. Your closing statement probably won't have entries in all lines.
Section 700, Agency Commissions
Section 800, Items Payable in Connection with Loan
Section 900, Items Required by Lender to be Paid in Advance
Section 1000, Reserves Deposited with Lender
Section 1100, Title Charges
Section 1200, Government Recording and Transfer Charges
Sections 1300 & 1400, Additional Settlement Charges and Totals
Line By Line Description
Section 700, Agency Commissions
701 Com
I hear four questions asked about leadership often. This article gives a short answer to each of these important questions.Why Does Leadership Matter?Parents universally hope that their children develop leadership qualities. They know that leaders are people who are effective in what they do, are respected by others, and typically rewarded for those skills in a variety of ways. It is in these formative years that, through our parents, we first see leadership as desirable and important.As young people we look up to people around us that motivate and listen to us; people that seem like real-life heroes. We consider these people leaders.As we grow we begin to relate leaders to their jobs ministers, teachers, police officers. And later Mayors, Presidents, and CEOs . . .As adults all of these thoughts and experiences define why we think leaders have desirable traits and play roles we admire (and why we desire these things for our children).All of these experiences and thoughts help us define why leadership matters it matters because leaders make a difference and can shape the future. It matters because leaders are valued and valuable. In everyones mind leadership, especially when it is good, matters.What is a Leader?A leader is a person who sees something that needs to be done, knows that they can help make it happen, and gets started.A leader sees opportunity and captures it.A leader sees a future that can be different and better, and helps others see that picture too.A leader knows they cant do it alone.A leader is
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HUD-1 is a standard form you use very often. The form serves not just as a settlement closing statement, but also as a proof of payment of different tax deductions. Understanding the form and the tax deductible items and communicating them to your clients will help your clients to minimize their taxes and help you to build trust and get more business exposure.
What is the HUD-1
-----------------
HUD-1 is a form used by the settlement agent (closing agent) to itemize all incoming funds and all charges paid and accrued by a borrower and seller for a real estate transaction. When is the HUD-1 Issued?
The Real Estate Settlement Procedures Act (RESPA) requires that the form be issued in all real estate transactions in the United States which involve federally related mortgage loans. RESPA states you should be given a copy of the HUD-1 at least one day prior to settlement.
When Do Clients Need HUD-1 For Taxes?
-------------------------------------
Clients use the information included in the form when they file their annual taxes. The filing deadline is normally April 15 of every year for the proceeding year. To allow the client enough time to file taxes using the HUD-1 information, it is recommended that a copy of the HUD-1 will be sent to the client in January.
Because the real estate transaction takes place during the year, usually long before filing the tax return, the HUD-1 given to the client at closing time could be lost or misplace. Sending the client a copy of the HUD-1 with a cover letter will be very helpful and time savings to the client.
HUD-1 Client Sample Letter
--------------------------
The following is a sample letter you can use to send your clients:
[Date]
TAX TIME IS COMING
Dear [Clients Name]:
Tax time indeed is just around the corner, and the first thing you will need is a copy of the Closing Statement on your property. Moving can be a very busy time, and you may have misplaced this very important document.
I would like to be sure you avail yourself of all the tax advantages possible from our transaction. If your accountant has any questions, please have him or her call me (if you need a referral to an accounting you can trust, Id be happy to provide you with one).
I look forward to continuing as your realtor and providing you the highest level of service possible.
Yours sincerely,
[your name]
Oh, by the way If any of your friends or relatives are thinking about buying or selling a home, I'd love to be of service to them. So, when you think of these people, just give me a call with their name and number. Ill be happy to follow up and tend to their Real Estate needs.
Which HUD-1 Information Is Important For Your Clients Taxes?
The information reported in the HUD-1 relates to the following tax statements and schedules:
Tax form HUD-1 line
Schedule A (itemized deductions), Line 10 - Annual mortgage interest deduction Line 901
Schedule A (itemized deductions), Line 10 Points deduction Line 802
Schedule A (itemized deductions), Line 6 Real estate taxes deduction Line 1003, 1004
Schedule E (rental income), Line 20 Depreciation (cost of property is required) Line 101, 102
Schedule E (rental income), Line 12a Mortgage Interest Deduction Line 901, 802
Schedule E (rental income), Line 9 Insurance 903, 1001, 1002
Schedule E (rental income), Line 16a Real state taxes 1003, 1004
Schedule E (rental income), Line 18 Other deductions 703, 801-811, 1005, 1101-1110, 1201-3, 1301-1302
Schedule D (capital gain) Part I, II, Column d Sales Price 401, 402
Schedule D (capital gain) Part I, II, Column e Cost or other basis 101, 102
Form 6252 (installment sale), Line 8 Selling price 401, 402
Form 6252 (installment sale), Line 8 Cost or other basis 101, 102
Form 4797 (sale of business property), Part I, Column d Cost or other basis 401, 402
Form 4797 (sale of business property), Part I, Column f - 101, 102
HUD-1s two sections
--------------------
Section J, Summary of Borrower's Transaction
This section contains 6 sections, and basically summarizes the entries made to the section L (Settlement charges, see below).
Section 100, Gross Amount Due from Borrower
Section 200, Amounts Paid By or In Behalf of Borrower
Section 300, Cash at Settlement From/To Borrower
Section 400, Gross Amount Due to Seller
Section 500, Reductions in Amount Due to Seller
Section 600, Cash at Settlement To/From Seller
Section L, Settlement Charges
That's where many entries are tabulated before being brought forward to page 1. Columns contain charges that are paid from either the borrower's or the seller's funds. Your closing statement probably won't have entries in all lines.
Section 700, Agency Commissions
Section 800, Items Payable in Connection with Loan
Section 900, Items Required by Lender to be Paid in Advance
Section 1000, Reserves Deposited with Lender
Section 1100, Title Charges
Section 1200, Government Recording and Transfer Charges
Sections 1300 & 1400, Additional Settlement Charges and Totals
Line By Line Description
Section 700, Agency Commissions
701 Com
Do you know the TOP 5 THINGS you should look for in a Wholesale Directory..?1) MUST have a huge variety of goods including Products* Must have suppliers for at least 75 categories of goods.* Must have listed manufacturers, wholesalers and dropshippers* Must have legitimate and authentic suppliers for both generic goods and brand-name goods, including at least Gucci, Prada, D&G, Versace, Polo, YSL, Seven, etc.* Must have staff working 7 days a week, available to answer your questions and find suppliers if they're not already listed in our directories.2) MUST list legitimate, reliable suppliers.* All wholesalers must meet minimum standards of service, especially secure payment methods.* Must anonymously purchase from different suppliers and then rate them on price, speed, quality and service!* Must have ratings from other members as well as INDEPENDENT REVIEWERS* Must list the good suppliers, and also the ones not recommend. Knowing who you can't trust is as important as knowing who you can trust.3) MUST cater for home businesses wanting low order quantities.* Must have suppliers for you regardless of how much of an item you're wanting to buy. 1 item or 1000.* Must have a large directory of dropshippers more than willing to supply single items or small quantities.4) MUST update list regularly.* New wholesalers, manufacturers and dropshippers added daily.* Directory screened and updated weekly to ensure supplier information is correct.* Must have reviews from other users for the latest experiences with supplie
Because the real estate transaction takes place during the year, usually long before filing the tax return, the HUD-1 given to the client at closing time could be lost or misplace. Sending the client a copy of the HUD-1 with a cover letter will be very helpful and time savings to the client.
HUD-1 Client Sample Letter
--------------------------
The following is a sample letter you can use to send your clients:
[Date]
TAX TIME IS COMING
Dear [Clients Name]:
Tax time indeed is just around the corner, and the first thing you will need is a copy of the Closing Statement on your property. Moving can be a very busy time, and you may have misplaced this very important document.
I would like to be sure you avail yourself of all the tax advantages possible from our transaction. If your accountant has any questions, please have him or her call me (if you need a referral to an accounting you can trust, Id be happy to provide you with one).
I look forward to continuing as your realtor and providing you the highest level of service possible.
Yours sincerely,
[your name]
Oh, by the way If any of your friends or relatives are thinking about buying or selling a home, I'd love to be of service to them. So, when you think of these people, just give me a call with their name and number. Ill be happy to follow up and tend to their Real Estate needs.
Which HUD-1 Information Is Important For Your Clients Taxes?
The information reported in the HUD-1 relates to the following tax statements and schedules:
Tax form HUD-1 line
Schedule A (itemized deductions), Line 10 - Annual mortgage interest deduction Line 901
Schedule A (itemized deductions), Line 10 Points deduction Line 802
Schedule A (itemized deductions), Line 6 Real estate taxes deduction Line 1003, 1004
Schedule E (rental income), Line 20 Depreciation (cost of property is required) Line 101, 102
Schedule E (rental income), Line 12a Mortgage Interest Deduction Line 901, 802
Schedule E (rental income), Line 9 Insurance 903, 1001, 1002
Schedule E (rental income), Line 16a Real state taxes 1003, 1004
Schedule E (rental income), Line 18 Other deductions 703, 801-811, 1005, 1101-1110, 1201-3, 1301-1302
Schedule D (capital gain) Part I, II, Column d Sales Price 401, 402
Schedule D (capital gain) Part I, II, Column e Cost or other basis 101, 102
Form 6252 (installment sale), Line 8 Selling price 401, 402
Form 6252 (installment sale), Line 8 Cost or other basis 101, 102
Form 4797 (sale of business property), Part I, Column d Cost or other basis 401, 402
Form 4797 (sale of business property), Part I, Column f - 101, 102
HUD-1s two sections
--------------------
Section J, Summary of Borrower's Transaction
This section contains 6 sections, and basically summarizes the entries made to the section L (Settlement charges, see below).
Section 100, Gross Amount Due from Borrower
Section 200, Amounts Paid By or In Behalf of Borrower
Section 300, Cash at Settlement From/To Borrower
Section 400, Gross Amount Due to Seller
Section 500, Reductions in Amount Due to Seller
Section 600, Cash at Settlement To/From Seller
Section L, Settlement Charges
That's where many entries are tabulated before being brought forward to page 1. Columns contain charges that are paid from either the borrower's or the seller's funds. Your closing statement probably won't have entries in all lines.
Section 700, Agency Commissions
Section 800, Items Payable in Connection with Loan
Section 900, Items Required by Lender to be Paid in Advance
Section 1000, Reserves Deposited with Lender
Section 1100, Title Charges
Section 1200, Government Recording and Transfer Charges
Sections 1300 & 1400, Additional Settlement Charges and Totals
Line By Line Description
Section 700, Agency Commissions
701 Com
Whether you work for a Fortune 100 Corporation or you are a one-person consulting person working from home, you have three main ways of marketing yourself or your company whenever you speak.1. Credentials/position/title2. Topic/subject matter/process3. Results you get for peopleAll three are important; they make up three important legs of a stool. But the problem I see with most speakers is that they spend a disproportionate amount of time on credentials and topic/process and very little time on results. Audiences, whether they are investors, voters or customers, tend to care primarily about results.For example, if I am the Attorney General of North Dakota and I tell voters that they should vote for me because I was re-elected by 89% of the voters last time and was voted top Attorney General of the nation for 2006 by Governing Magazine, then Ive covered #1, credentials. If I then say, And I re-wrote the entire criminal justice system of North Dakota and persuaded the legislature to pass it and the governor to sign it into law, Ive covered #2 the subject/process.But if I stop there, I wont convince voters of anything. Why? Because I havent told them of the results of my actions. After all, it is possible to win an award and pass a law, and violent crime could have exploded by 1200%.Ive got to make the final leg of the argument, and thats why violent crime is down 50% in our state and why you and your family are safer in your homes and your communities today. Those are the only results voters are about.Even though my example is political, there is nothing abo
I look forward to continuing as your realtor and providing you the highest level of service possible.
Yours sincerely,
[your name]
Oh, by the way If any of your friends or relatives are thinking about buying or selling a home, I'd love to be of service to them. So, when you think of these people, just give me a call with their name and number. Ill be happy to follow up and tend to their Real Estate needs.
Which HUD-1 Information Is Important For Your Clients Taxes?
The information reported in the HUD-1 relates to the following tax statements and schedules:
Tax form HUD-1 line
Schedule A (itemized deductions), Line 10 - Annual mortgage interest deduction Line 901
Schedule A (itemized deductions), Line 10 Points deduction Line 802
Schedule A (itemized deductions), Line 6 Real estate taxes deduction Line 1003, 1004
Schedule E (rental income), Line 20 Depreciation (cost of property is required) Line 101, 102
Schedule E (rental income), Line 12a Mortgage Interest Deduction Line 901, 802
Schedule E (rental income), Line 9 Insurance 903, 1001, 1002
Schedule E (rental income), Line 16a Real state taxes 1003, 1004
Schedule E (rental income), Line 18 Other deductions 703, 801-811, 1005, 1101-1110, 1201-3, 1301-1302
Schedule D (capital gain) Part I, II, Column d Sales Price 401, 402
Schedule D (capital gain) Part I, II, Column e Cost or other basis 101, 102
Form 6252 (installment sale), Line 8 Selling price 401, 402
Form 6252 (installment sale), Line 8 Cost or other basis 101, 102
Form 4797 (sale of business property), Part I, Column d Cost or other basis 401, 402
Form 4797 (sale of business property), Part I, Column f - 101, 102
HUD-1s two sections
--------------------
Section J, Summary of Borrower's Transaction
This section contains 6 sections, and basically summarizes the entries made to the section L (Settlement charges, see below).
Section 100, Gross Amount Due from Borrower
Section 200, Amounts Paid By or In Behalf of Borrower
Section 300, Cash at Settlement From/To Borrower
Section 400, Gross Amount Due to Seller
Section 500, Reductions in Amount Due to Seller
Section 600, Cash at Settlement To/From Seller
Section L, Settlement Charges
That's where many entries are tabulated before being brought forward to page 1. Columns contain charges that are paid from either the borrower's or the seller's funds. Your closing statement probably won't have entries in all lines.
Section 700, Agency Commissions
Section 800, Items Payable in Connection with Loan
Section 900, Items Required by Lender to be Paid in Advance
Section 1000, Reserves Deposited with Lender
Section 1100, Title Charges
Section 1200, Government Recording and Transfer Charges
Sections 1300 & 1400, Additional Settlement Charges and Totals
Line By Line Description
Section 700, Agency Commissions
701 Com
Creative people are often forced into a rut when it comes to their careers. They tend to take jobs that are stifling and routine, instead of jobs they can blossom in. They think only in terms of finding a job that can support them instead of finding a job that does more than put food on the table and clothes on the back.It doesn't have to be like that. Creative people can find careers that will pay them to be, well, creative. They just need to think of it in a creative manner.Florist - Do you love putting different flowers together to make a beautiful arrangements? Why not work in a flower shop? Creating floral arrangement takes a creative eye and mind. It can be a rewarding job for someone who loves to be around pretty things all day. But remember, a florist can work long hours, usually above and beyond the normal 8 hour days. They work holidays and weekends to keep their customers happy. And a good florist can build a client's list that will keep them busy for years to come.Photographer - Do you live behind a camera's viewfinder? Taking pictures, whether portrait or artistic, can be a wonderfully creative job for someone like you. Finding the perfect shot can be rewarding and there are many outlets for getting your work published. Why not become a photographer who takes pictures of families in the privacy of their home? Or maybe a photographer who takes pictures of homes for real estate agents could be the career for you. Be creative and you'll find your place in this field.Landscaper - When you drive by a beautifully landscaped lawn do you think to yourself you could have
Schedule E (rental income), Line 12a Mortgage Interest Deduction Line 901, 802
Schedule E (rental income), Line 9 Insurance 903, 1001, 1002
Schedule E (rental income), Line 16a Real state taxes 1003, 1004
Schedule E (rental income), Line 18 Other deductions 703, 801-811, 1005, 1101-1110, 1201-3, 1301-1302
Schedule D (capital gain) Part I, II, Column d Sales Price 401, 402
Schedule D (capital gain) Part I, II, Column e Cost or other basis 101, 102
Form 6252 (installment sale), Line 8 Selling price 401, 402
Form 6252 (installment sale), Line 8 Cost or other basis 101, 102
Form 4797 (sale of business property), Part I, Column d Cost or other basis 401, 402
Form 4797 (sale of business property), Part I, Column f - 101, 102
HUD-1s two sections
--------------------
Section J, Summary of Borrower's Transaction
This section contains 6 sections, and basically summarizes the entries made to the section L (Settlement charges, see below).
Section 100, Gross Amount Due from Borrower
Section 200, Amounts Paid By or In Behalf of Borrower
Section 300, Cash at Settlement From/To Borrower
Section 400, Gross Amount Due to Seller
Section 500, Reductions in Amount Due to Seller
Section 600, Cash at Settlement To/From Seller
Section L, Settlement Charges
That's where many entries are tabulated before being brought forward to page 1. Columns contain charges that are paid from either the borrower's or the seller's funds. Your closing statement probably won't have entries in all lines.
Section 700, Agency Commissions
Section 800, Items Payable in Connection with Loan
Section 900, Items Required by Lender to be Paid in Advance
Section 1000, Reserves Deposited with Lender
Section 1100, Title Charges
Section 1200, Government Recording and Transfer Charges
Sections 1300 & 1400, Additional Settlement Charges and Totals
Line By Line Description
Section 700, Agency Commissions
701 Com
Reaching millionaire status used to seem like an incomparable task reserved only for the intellectually gifted or the insanely lucky. However, these days obtaining a million is becoming less and less of a feat. I was shocked by the number of millionaire's that actually exist in the U.S. today. It is estimated that over 2,770 new millionaire's are created per day (in the U.S. alone!). How insane is that? That number was almost impossible to believe until I found several sources that reported about the same estimate.It is also reported that the ways in which these people achieve millionaire status varies greatly. There is no direct connection between millionaire's and a particular industry. What does this mean to us?.... Well, actually quite a bit.WHAT DOES THIS MEAN TO US?Firstly, the fact that so many people become millionaire's everyday let's us know that the feat is attainable. The question, however, is "what is stopping you from doing it?" Well, throughout my research of entrepreneurship, I have found one constant attribute among millionaire's that separates them from everybody else.It is their willingness to do what others won't do. Consider this: Investing, for example, is one of the more popular forms of gaining wealth. However, only the investors who take risks on "ground floor" opportunities reap the major benefits.Millionaire's are usually the people who either see an opportunity before it is a sure thing and take a risk on it or who labor tirelessly in pursuit of their goals. Which one are you?FOOD FOR THOUGHT If I was to pose the
Section 100, Gross Amount Due from Borrower
Section 200, Amounts Paid By or In Behalf of Borrower
Section 300, Cash at Settlement From/To Borrower
Section 400, Gross Amount Due to Seller
Section 500, Reductions in Amount Due to Seller
Section 600, Cash at Settlement To/From Seller
Section L, Settlement Charges
That's where many entries are tabulated before being brought forward to page 1. Columns contain charges that are paid from either the borrower's or the seller's funds. Your closing statement probably won't have entries in all lines.
Section 700, Agency Commissions
Section 800, Items Payable in Connection with Loan
Section 900, Items Required by Lender to be Paid in Advance
Section 1000, Reserves Deposited with Lender
Section 1100, Title Charges
Section 1200, Government Recording and Transfer Charges
Sections 1300 & 1400, Additional Settlement Charges and Totals
Line By Line Description
Section 700, Agency Commissions
701 Commissions paid to real estate agencies
702 Commissions paid to real estate agencies Section 800, Items Payable in Connection with Loan
801 Processing or originating loan fees. If the fee is a percentage of the loan amount, the percentage will be stated.
802 "Points" charged by the lender. Each point is 1% of the loan amount.
803 Appraisal fees. If paid with loan application before closing, it should be marked "POC," (paid outside of closing). The amount would be shown, but would not be included in the total fees you bring to settlement.
804 Cost of the credit report if it is not included in the Origination Fee.
805 Inspections fee, done at the request of the lender.
806 Private Mortgage Insurance (PMI) application fee.
807 Assumption fee, when buyer takes over seller's existing mortgage.
808 Miscellaneous items connected with the loan, such as fees paid to a mortgage broker.
809 Miscellaneous items connected with the loan, such as fees paid to a mortgage broker.
810 Miscellaneous items connected with the loan, such as fees paid to a mortgage broker.
811 Miscellaneous items connected with the loan, such as fees paid to a mortgage broker.
Section 900, Items Required by Lender to be Paid in Advance
901 Interest collected at settlement for the time period between closing and the first monthly payment.
902 Mortgage insurance premiums due at settlement. Escrow reserves for mortgage insurance are recorded later. If your mortgage insurance is a lump sum payment good for the life of the loan it should be noted.
903 Hazard insurance premiums due at settlement. It is not used for insurance reserves that will go into escrow.
904 Miscellaneous items: flood insurance, mortgage life insurance, credit life insurance and disability insurance premiums.
905 Miscellaneous items: flood insurance, mortgage life insurance, credit life insurance and disability insurance premiums.
Section 1000 Reserves Deposited with Lender
1001-1007 Funds used to start the borrower's escrow account, from which the lender will pay next year's premiums. Each mortgage payment includes an amount that covers a portion of these recurring expenses.
1008 Escrow adjustment calculated by the settlement agent by comparing different escrow formulas to assure the lender does not collect more escrow funds than allowed.
Section 1100, Title Charges
1101 Settlement agent's fee. The fees for the abstract or title search and examination are entered in lines
1102 Abstract / title search fee
1103 Examination fee
1104 Title insurance binder (also called a commitment to insure). Payment for title insurance policies is entered later.
1105 Deed preparations record charges and work on mortgages and notes
1106 The fee charged by a notary public for authenticating the execution of the settlement documents
1107 Attorney's fees.
1108 Title insurance (except the cost of the binder).
1109 Informational lines disclosing costs for the separate title insurance policies (Only line 1108 is carried forward.)
1110 Informational lines disclosing costs for the separate title insurance policies (Only line 1108 is carried forward.)
1111-1113 Other title-related charges which vary by location: tax certificate fee / private tax fee
Section 1200, Government Recording and Transfer Charges
1201 Recording fee
1202 City or County recording fee
1203 State recording fee
1204-1205 Miscellaneous recording fee items
Section 1300, Survey and inspections fees (for pests, lead-based paint, radon, structural inspections, inspections for heating, plumbing, or electrical equipment) and home warranty.
Line 1400 Total settlement charges paid from borrower's and seller's funds. They are also entered in Sections J and K, lines 103 and 502.
Section J, Summary of Borrower's Transaction
Section 100, Gross Amount Due from Borrower
Line 101 Gross sales price of the property.
Line 102 Personal property charges (draperies, washer, dryer, outdoor furniture, and decorative items purchased from the seller)
Line 103 Total settlement charges to borrower (from Line 1400 section L)
Lines 104-105 Amounts owed by the borrower or previously pa
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