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Video instructions and help with filling out and completing tar forms 2018
Thank you thank you so much for having me I appreciate everyone being online as you know we have some contract changes yes we do these are going to be mandatory as of jun 1 so i just wanted to go over them I do have copies of the red line so this is actual copies of the proposed changes and you will see what's different in the new contracts versus the old contracts so what I'd like to do is go over each form if you have questions I would love to take your questions at the end of the form and then we'll just move along to the next one so with that I'd like to start off with the one to four family residential contract and that is going to be a trek contract form number 2012 that's 2012 and so there were a few changes on this just to let you know the main change was just positioning in the first the land improvement and accessories are collectively referred to as the property was moved from the bottom of D up to the top of paragraph to something else that you'll notice is they have removed and satellite dish system and equipment from all of the contracts the reason being is because some satellite dishes are actually riddles and they take them with and the equipment as well so they remove that from permanent improvements or permanent accessories the other change was with the financing paragraph for if you'll notice we have not for use with residential mortgage financing and we are going to talk about the reverse mortgage financing addendums at the end the presentation the main change on paragraph six was number eight now i'm going to preface it by saying i am not a tidal person so for clarity I'm going to ask you to speak to your title affiliate but just to kind of give you an overview as you know typically with the title policy one of the exceptions is the discrepancy conflict shortages in areas or boundary line encroachments or protrusions or overlapping improvements typically those have been deleted from the title policy but you can purchase additional insurance to go ahead and cover that now what they're saying here is it will not be amended or deleted from the title policy which basically says we are going to use it as an exception and it's not going to be amended it will be not covered or it will be amended and that basically says that we do want the coverage the extra coverage now there are two types of coverage as I understand it there is a coverage in the boundary but there is also a coverage called 18 19 or dot 1 and this is something that you guys need to talk to your title company with get them to explain that because this could be a benefit for your buyer now it will be paid for