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Video instructions and help with filling out and completing virginia realtors residential contract of purchase
Good afternoon everybody welcome to my training hey before we get started can I get everyone to make sure your doors are shut and your other devices are turned off I'm going to cover quite a bit of information in a short period of time so I need your full attention also everyone on this call will receive a copy of this training and the material at the end of the broadcast my name is Krista field and I'm an account executive for new line mortgage this classes are part of a series of classes designed for loan officers that are either new to be a purchase loans or need a refresher for about the next 30 minutes we're going to review a VA Rep C will discuss the different provisions and documentation requirements and will also discuss some questions you should be asking your Realtor and how to recognize potential documentation requirements and I'm going to also leave you with the nice little interview form that you can use to help structure your conversation with your Realtors also before we get started I'd like to take a moment and ask for your business as an AEM paid Commission so the best compliment you can give me is to send me alone if you find this training useful and learn something new please send me a loan on any product new line does offer some great FHA VA conventional and usda pricing right now I also have many other trainings available on all of these products and just give me a call let me know to need alright let's get started so on the purchase contract our loans all purchase loans require a properly executed purchase contract including all addendums purchase contracts can vary per state this training highlights the Utah purchase contract but I think you'll get a flavor for what's needed regardless of the purchase contract that you'll be reviewing and what I've done is I've gotten a second of the contract I've cut and pasted the different different provisions into this training and we're going to go through each section so this very first section the offer to purchase an earnest money deposit this section establishes the offer to purchase in the amount of the earnest money deposit so basically this is at the top of the first page you can take quick glance and see what the sales price and the earnest money deposit is and then getting into the different provisions so provision one property this section establishes the property address and what and what's not included in the sale typically attached to type items are left behind like ceiling fans or appliances these items are all included in the sales price if the seller is taking any items that could be considered a tax type or otherwise they should be itemized this section does also itemize the water rights to the property some documentation requirements that could arise from this section sometimes buyers.