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Sonic Realty

Understanding Fixtures: What They Are and Their Importance in Real Estate

Understanding Fixtures: What They Are and Their Importance in Real Estate

Introduction: In real estate, the term “fixture” is commonly used but often misunderstood. Understanding fixtures is crucial for buyers and sellers as they play a significant role in property transactions. This blog post will explore fixtures, their importance in real estate, and how they can impact property transactions.

What is a Fixture? A fixture is an item permanently attached to a property and considered part of the real estate. Fixtures are typically affixed to the property so that they cannot be removed without causing damage to the property or altering its structure. Common examples of fixtures include built-in appliances, lighting fixtures, plumbing fixtures, and landscaping features.

Importance of Fixtures: Fixtures hold of significant significance in real estate transactions for several reasons:

  1. Legal Ownership: Fixtures are considered part of the property and are therefore included in the sale unless explicitly excluded in the purchase agreement. Understanding which items are fixtures and which are not helps clarify ownership rights and prevents disputes between buyers and sellers.
  2. Property Valuation: Fixtures can impact the value of a property. Upgraded fixtures and amenities, such as high-end appliances or custom lighting fixtures, can increase the overall value of a property and may justify a higher asking price.
  3. Financing and Appraisal: Lenders and appraisers consider fixtures when determining a property’s value. Appraisals consider the quality and condition of fixtures when assessing the property’s worth, which can affect the financing terms offered to buyers.
  4. Disclosure Requirements: Sellers are typically required to disclose fixtures’ presence and condition to potential buyers. Failure to disclose material information about fixtures can lead to legal liabilities and disputes after the sale.

Classification of Fixtures: Determining whether an item is a fixture or personal property can sometimes be challenging. Courts often use the “intent test” and “attachment test” to determine whether an item is a fixture:

  1. Intent Test: This test considers the parties’ intent in attaching the item to the property. If the parties intended the item to become part of the real estate, it is regarded as a fixture.
  2. Attachment Test: This test examines the item’s method and degree of attachment to the property. Items permanently affixed to the property, such as built-in appliances or light fixtures, are typically considered fixtures.

Conclusion: Fixtures are an integral aspect of real estate transactions, impacting property ownership, valuation, financing, and legal obligations. Understanding what constitutes a fixture and how it is treated in property transactions is essential for buyers and sellers to ensure clarity, transparency, and legal compliance. By recognizing the importance of fixtures and adhering to established legal principles, individuals can navigate property transactions with confidence and peace of mind.

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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.
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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.