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Table of Contents

I. Introduction

• Congratulations

   II. Buying & Financing A Home

• Role of the Real Estate Broker
• Selecting an Attorney
• Terms of the Agreement of Sale
• Shopping For a Loan
• Selecting a Settlement Agent
• Securing Title Services
• RESPA Disclosures
• Processing Your Loan Application
• RESPA Protection Against Illegal Referral Fees
• Your Right to File Complaints

   III. Your Settlement Costs

• Specific Settlement Costs
• Calculating the Amount You Need At Settlement
• Adjustments To Costs Shared By Buyer and Seller

   IV. Appendix

• Consumer Information on Home Purchasing and Related Topics

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