Contents:

Your Team During a Transaction.........................................................................................................................02 Title Insurance is Not “Just Another Fee”......................................................................................................04What is Escrow?....................................................................................................................................................05 The Life of Your Title and Escrow Transaction................................................................................................06What are Closing Costs?.....................................................................................................................................07When Do I Get My Keys?.....................................................................................................................................07EMTransfer.....................................................................................................................................08CertifID.....................................................................................................................................09Locations and Footprint........................................................................................................................................10

Buyer-Seller Guide

Title Insurance is Not “Just Another Fee”

What is Escrow?

The

Life

of Y

our T

itle

and

Escr

ow T

rans

actio

n

What are Closing Costs?

When Do I Get My Keys?

Closing costs are fees that need to be paid at the time of closing, other than the down payment and cost of the property. They can involve escrow fees, title insurance premiums, tax prorations, loan fees, deed recording fees, real estate commission, and more.

The buyer customarily pays for…

• Lender’s title policy premiums

• Escrow fee - 50%

• Recording charges for all documents in buyer’s name

• Tax proration (from date of acquisition)

• Home Owners’ Association prorates and transfer fees

• All new loan charges (except those required by the lender for seller to pay or otherwise negotiated between buyer and seller)

• Fire insurance premium for the first year

• Owner’s title insurance premiums

• Escrow fee - 50%

• Real estate commission

• Document recording and release fee for deed of reconveyance

• Any loan fees required by buyer’s lender

• Payoff of all loans in seller’s name or against the property

• Interest accrued by lender being paid off, statement fees, reconveyance/release tracking fees and any prepayment penalties

• Any judgments, tax liens, etc. against the seller, including the cost of recording the release document.

• Any and all delinquent taxes

*Alliance Title & Escrow Corp. has provided this information for the purpose of familiarizing our clients with closing costs on a typical sales transaction in the states where Alliance Title & Escrow Corp. operates. Charges on your particular transaction may vary. Alliance Title & Escrow Corp. assumes no responsibility or liability for reliance upon the information contained herein.

The seller customarily pays for…

Available AnywhereReal Estate professionals are always on the run. Using EMTransfer you’ll no longer need to pickup a paper check and drive it around town. You can access your EMTransfer account with yourpreferred mobile device and work with earnest money electronically from anywhere.

Fully Documented When Real Estate Professionals use EMTransfer, they can be assured that their buyer’s earnestmoney will be fully documented to include information such as the property address, the earnestmoney amount, the buyer’s bank details, and who is assigned to hold the earnest money.

Electronically Deposited EMTransfer is directly integrated with the the trust account holder’s bank account. This allowsthe trust account holder to initiate an electronic deposit of the buyer’s earnest money directly intotheir bank account once the buyer’s offer is accepted. You’ll never need a paper check again.

To learn more about EMTransfer, contact your local representative today or visit www.alliancetitle.com/emtransfer.

Electronic Earnest Money Is Here

Alliance Title introduces electronic earnest money collection with the EMTransfer™ platform.

EMTransfer is a cloud based service that allows Real Estate Agents, Real Estate Buyers and

Earnest Money Holders to securely document, collect & disburse Earnest Money 100%

electronically.

08

Alliance Title & Escrow Corp. is using CertifID to protect you from wire fraud.CertifID’s technology solution securely exchanges wiring information and guarantees your transaction up to $1,000,000.*

1. You will receivean email/text invitefrom CertifID.

2. Follow thedirections to validateyour device & identity.

3. Easily reviewand confirm wiringinformation.

4. Act confidentlywith the informationprovided via CertifID.

W H AT T O E X P E C T I N 4 S I M P L E S T E P S :

CertifID’s technology lets you transact with peace of mind. If you have any questions or want to learn more, check out www.certifid.com

Is wire fraud really that serious?

Yes. Cybercriminals are targeting you and other transaction participants in order to steal funds that are being transferred for closings - a tactic that cost consumers billions of dollars last year. They hack emails, impersonate title companies and spoof your real estate agent in an effort to trick you or your title company into sending funds to fraudulent bank accounts under their control.

A FINAL WARNING: Don’t be tricked at the last minute.

Fraudsters strike at the eleventh-hour with convincing strategies and techniques.

Do not trust any wiring information unless it comes through CertifID. This includes phone calls, emails, attachments, links, physical letters, etc. If wiring information does not automatically display to your device after you put in the unique code on CertifID, do not act! If you have any questions, visit your title company in person or call them on a number that you get through a trusted internet search engine.

*Rights and restrictions apply. Contact your local Alliance Title office for more information.

09

IDAHO LOCATIONS

BLACKFOOT, IDP.O. Box 1007 246 W Pacific St., Ste. A, 83221208.785.4573, 800.594.9731Fax: 208.785.2620Serving Bingham County

BOISE, IDC.W. Moore Plaza LocationCommercial Services Department250 S 5th St., Ste. 100, 83702208.947.9100, 888.311.2194Fax: 208.947.9199Serving Ada, Boise & Valley Counties

Residential & Lender Services 250 S 5th St., Ste. 100, 83702208.947.9100, 888.311.2194Fax: 208.947.9198Serving Ada, Boise & Valley Counties

Emerald LocationCentral Title Services9465 W Emerald, Ste. 120, 83704208.378.1666, 800.980.0038Fax: 208.493.2601Serving all Alliance counties in Idaho and Wyoming

COEUR D’ALENE, ID2157 N Main St., 83814208.667.3402, 800.355.8752Fax: 208.664.0695Serving Kootenai & Shoshone Counties

DRIGGS, ID78 N Main St., 83422208.354.2285Fax: 208.354.2811Serving Teton County, Idaho &Teton County, Wyoming

EAGLE, ID462 E Shore Dr., Ste. 160, 83616208.287.5154Fax: 208.287.5155Serving Ada County

EMMETT, IDP.O. Box 6221312 S Washington Ave., Ste. F, 83617208.365.4486Fax: 208.365.4541Serving Gem & Payette Counties

IDAHO FALLS, ID3240 S Woodruff Ave., 83404208.524.5600, 800.657.9411Fax: 208.524.1977Serving Bonneville County

LEWISTON, ID1455 G St., Ste. 102, 83501208.743.8541, 800.355.9686Fax: 208.746.0058Serving Nez Perce County

MERIDIAN, ID2965 E Tarpon Dr., Ste. 180, 83642208.846.8558Fax: 208.855.9688Serving Ada County

MOUNTAIN HOME, IDP.O. Box 813 (for mail deliveries)1715 American Legion Blvd., 83647208.587.8428Fax: 208.587.3325Serving Elmore County

NAMPA, ID1005 W Sanetta St., 83651208.465.6600Fax: 208.465.6603 Serving Canyon, Owyhee & Payette Counties

POCATELLO, ID2350 Via Caporatti, 83201208.232.6163, 800.657.9409Fax: 208.233.0212Serving Bannock & Power Counties

REXBURG, ID130 E Main St., 83440208.356.9323Fax: 208.356.9325Serving Fremont & MadisonCounties

RIGBY, IDP.O. Box 566581 Rigby Lake Dr., 83442208.745.9495Fax: 208.745.7917Serving Jefferson & ClarkCounties

SALMON, ID610 Main St., 83467208.756.4231Fax: 208.756.4232Serving Lemhi & Custer Counties

SANDPOINT, ID105 Pine St., 83864208.263.2125, 800.355.8763Fax: 208.263.1784Serving Bonner County

SODA SPRINGS, ID71 E 1st S, 83276208.547.3660, 800.547.9071Fax: 208.547.3880Serving Caribou County

TWIN FALLS, ID1411 Falls Ave. E, Ste.1315, 83301208.733.8014, 800.675.8014Fax: 208.734.1420Serving Twin Falls, Jerome, Cassia & Blaine Counties

MONTANA LOCATIONS

KALISPELL, MTP.O. Box 879, 59903501 S Main St., 59901406.752.7606, 800.823.8663Fax: 406.756.7064Serving Flathead County

WHITEFISH, MT1581 Baker Ave., Ste. A, 59937406.862.3094 Fax: 406.862.3088Serving Flathead County

WASHINGTON LOCATION

CLARKSTON, WA735 5th St., 99403509.758.2549, 800.355.8717Fax: 509.758.4849Serving Asotin County

STATEWIDE SERVICES

CENTRALIZED TITLE PLANT9465 W Emerald St., Ste. 160 Boise, ID 83704208.378.1666 Fax: 208.376.3432

CENTRAL ORDER PROCESSING9465 W Emerald St., Ste. 120 Boise, ID 83704208.846.7882 Fax: 208.846.7885

DEFAULT SERVICES9465 W Emerald St., Ste. 160 Boise, ID 83704208.947.1553, 877.947.1553Fax: 208.888.7859

RECONVEYANCE SERVICES9465 W Emerald St., Ste. 160 Boise, ID 83704208.947.1840 Fax: 208.888.7859

REGIONAL ESCROW SERVICES380 E Parkcenter Blvd., Ste. 100Boise, ID 83706208.947.4200, 866.948.4200Fax: 208.947.4202

LONG TERM ESCROW SERVICES380 E Parkcenter Blvd., Ste. 100Boise, ID 83706208.955.9683, 866.576.8221Fax: 208.947.4202

CORPORATE OFFICE380 E Parkcenter Blvd., Ste. 105Boise, ID 83706208.388.8881, 800.826.1801Fax: 208.388.8984

Rev. 4/2020

Serving all of Idaho and parts of Montana, Washington and Wyoming, Alliance Title & Escrow Corp. offers a complete range of residential and commercial real estate title, escrow and information services.

© 2019 Alliance Title & Escrow Corp. All rights reserved.

Yes, it matters where you close.Rev. 03/2019

GLACIERFLATHEAD

BOUNDARY

FERRY

PENDOREILLE

STEVENS

SPOKANELINCOLN

ADAMSWHITMAN

WALLA WALLA

COLUMBIA

GARFIELD

LINCOLN

LAKE

TOOLE LIBERTY

PONDEROSA

TETON

CASCADE

LEWIS & CLARK

POWELLMEAGHER

GALLATIN

BROADWATER

JEFFERSONDEER LODGE

GRANITE

RAVALLI

MISSOULA

SANDERS

MINERAL

BONNER

KOOTENAI

BENEWAH

LATAH

NEZ PERCE

ASOTIN

LEWIS

SHOSHONE

CLEARWATER

IDAHO

VALLEY

Clarkston

Nampa

Emmett

MeridianEagle

Twin Falls

Pocatello

Blackfoot

Soda Springs

Rigby Rexburg

Idaho Falls

BoiseMountain Home

Salmon

Lewiston

Coeur d’Alene

Sandpoint

Whitefish

Kalispell

LEMHI

WY

ID

WAMT

CUSTERBOISEGEM

WASHINGTON

PAYETTE

OWYHEE

CANYON

ADA

ELMORE

CAMASBLAINE

LINCOLNGOODING

TWIN FALLS

CASSIAONEIDA

FRANKLIN

UINTA

LINCOLN

TETON

FREMONT

BEAVERHEAD

SILVERBOW

PARK

MADISON

SWEETWATER

SUBLETTE

BEAR LAKE

BANNOCK

BINGHAM

CARIBOU

BONNEVILLE

CLARK FREMONT

MADISON TETONJEFFERSON

POWERJEROME MINIDOKA

BUTTE

ADAMS

Driggs

Served directly by Alliance Title & Escrow Corp.

Served directly by Alliance Title & Escrow Corp./Branch Office

Title served by our vendor network

© 2020 Alliance Title & Escrow Corp. All rights reserved.

Serving all of Idaho and parts of Montana, Washington and Wyoming, Alliance Title & Escrow Corp. offers a complete range of residential and

commercial real estate title, escrow and information services.