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Sonic Realty

Principals in Realty: Understanding Key Players in Real Estate Transactions

Principals in Realty

In the world of real estate, various individuals and entities play crucial roles in facilitating transactions, navigating legal complexities, and ensuring smooth operations. Let’s explore the principles involved in realty and their significance in the real estate ecosystem.

  1. Buyers and Sellers: At the heart of every real estate transaction are buyers and sellers. Buyers are individuals or entities seeking to acquire property for personal use, investment, or business purposes. On the other hand, sellers are property owners looking to sell their assets for various reasons, such as relocation, downsizing, or financial gain. Both buyers and sellers are essential principals in realty, driving market activity and shaping property transactions.
  2. Real Estate Agents: Real estate agents, also known as Realtors®, act as intermediaries between buyers and sellers, helping them navigate the complexities of the real estate market. Agents assist buyers in finding suitable properties, negotiating purchase agreements, and completing transactions. For sellers, agents market their properties, attract potential buyers, and facilitate the sale process. Real estate agents are vital in connecting buyers and sellers, providing valuable expertise and guidance throughout the transaction.
  3. Mortgage Lenders: Mortgage lenders are financial institutions that provide loans to buyers to finance the purchase of real estate. These lenders evaluate borrowers’ creditworthiness, income, and economic history to determine loan eligibility and terms. Mortgage lenders are crucial in facilitating property transactions by providing buyers with the necessary funds to complete purchases. They offer a range of mortgage products and financing options to meet the diverse needs of buyers in the real estate market.
  4. Title Companies: Title companies are responsible for conducting title searches, issuing title insurance, and facilitating the transfer of property ownership. These companies ensure the property’s title is clear and marketable, free from any encumbrances or defects that could affect ownership. Title companies play a crucial role in protecting buyers and sellers against potential title issues and ensuring the smooth transfer of property ownership.
  5. Attorneys: Real estate attorneys provide legal guidance and representation to buyers, sellers, and other parties involved in real estate transactions. These attorneys review contracts, negotiate terms, and ensure that transactions comply with legal requirements and regulations. Real estate attorneys play a vital role in protecting their client’s interests and facilitating the successful completion of property transactions.

In summary, realty principals encompass various individuals and entities involved in real estate transactions, including buyers, sellers, real estate agents, mortgage lenders, title companies, and attorneys. Each principal plays a unique role in facilitating transactions, protecting interests, and ensuring the smooth operation of the real estate market. Understanding the roles and responsibilities of these principals is essential for navigating the complexities of real estate transactions and achieving successful outcomes.

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DJ Peterson

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Affiliated Business Arrangement Disclosure Statement
This is to give you notice that Sonic Loans Inc., Sonic Title Agency LLC, and Sonic Realty LLC have a business relationship. The nature of the relationship between the Referring Party and the provider(s), including percentage of ownership interest, if applicable, is: Sonic Loans Inc., Sonic Title Agency LLC, and Sonic Realty LLC are all 100% owned by the same party. Because of this relationship, this referral may provide any of the above parties with financial or other benefit.
A. Set forth below is the estimated charge or range of charges for the settlement services listed. You are NOT required to use the listed provider(s) as a condition for settlement of your loan on, or purchase, sale, or refinance of, the subject property.
THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.
Provider and Settlement Service Charge or Range of Charges
Sonic Realty LLC 1%-6% of purchase price
Sonic Title Agency, LLC Title Insurance Policy: $950 - $1706 on a $250,000 property. (Rates vary and are dependent on the state, selling price, and loan amount on the property.)
Title Search Fee: $250 - $325 (where applicable)
Closing Fee: $450 - $650
Sonic Loans Inc.

This company provides various real estate mortgage loan origination activities either as a third-party originator or a mortgage broker, including loan pre-qualification, competitive bid process (when providing third-party origination services), loan origination, loan pre-approval, loan structuring, processing, and closing.

Loan Origination Charge: 0-3 % of loan amount (may include 3rd party fees)
Loan Discount Fee/points: 0.5%-6% of loan amount.
Application/Processing Fee: $0.00 - $875.00
Flood and tax service: $0.00 - $95.00
Underwriting Fee: $0.00 - $1295.00
Document Review Fee: $0.00 - $400.00
Appraisal Fee: $0.00 - $850.00
Credit Report Fee: $0.00 - $135.00

Actual charges may vary according to the particular lender selected, the particular services provided, and the underlying transaction, borrower selections, etc. Some or all of these fees may be charged by third parties and/or the Member Mortgage Lender/Mortgage Broker. The Member Lenders and Mortgage Brokers have agreed to pay a fee ranging from 0.5% to 2.75% of the loan amount to Sonic Loans in connection with a range of loan origination services provided by Sonic Loans to the Member Lender/Mortgage Broker. The fees are paid either directly to Sonic Loans by the Member Lender/Mortgage Broker or billed directly to you at closing.
B. Set forth below is the estimated charge or range of charges for the settlement services of an attorney, credit reportingagency, or real estate appraiser that we, as your lender, will require you to use, as a condition of your loan on this property, to represent our interests in the transaction.
Sonic Loans Inc. provides mortgage lender/broker services. Sonic Realty LLC provides real estate brokerage services. Sonic Title Agency LLC provides title insurance and settlement services.

Provider and Settlement Service Charge or Range of Charges
Appraisal Fee $0-$800
Credit Report Fee $63-$125
 Actual charges may vary depending on the lender and loan program selected which can be found on your loan estimate.
ACKNOWLEDGMENT
I/we have read this disclosure form and understand that Sonic Loans Inc., Sonic Realty, LLC, or Sonic Title Agency LLC are referring me/us to purchase the above-described settlement service(s) and may receive a financial or other benefit as the result of this referral.