Ronald Carvalho
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Latest activity by Ronald Carvalho-
Ronald Carvalho created an article,
Appraisal Form FAQ
Are there specific pricing tiers?Tiers are pricing levels based on property value. If your appraisal fees change depending on the value range, please provide each tier and the fee that applies to i...
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Ronald Carvalho created an article,
What is a “New York CEMA”?
CEMA stands for Consolidation, Extension, and Modification Agreement. It’s a New York specific mechanism that lets a borrower (on a refinance) or a buyer (on a “purchase CEMA”) reuse an existing, p...
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Ronald Carvalho created an article,
"Existing Secured Principal Debt" Field for Maryland Refinances
Why is the field labeled “Existing Secured Principal Debt To Be Paid Off With This Transaction” in Maryland?Maryland’s recordation/transfer tax rules treat refinances differently from purchases. Fo...
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Ronald Carvalho created an article,
Buyer-Paid Transfer Taxes in California
In the state of California, it is common for the seller to be responsible for paying the transfer taxes. Though, there are a number of cities where the buyer is responsible. Below is a list of coun...
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Ronald Carvalho created an article,
What is an Attorney Closing State?
An "attorney closing state" or "attorney-only state" are states that require a lawyer to attend or supervise the closing of real estate transactions. Laws in these states have determined that real ...
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Ronald Carvalho created an article,
What is the Mansion Tax?
The Mansion Tax is an additional amount due upon recordation of the conveyance of real property. Two states have a mansion tax by name: New York and New Jersey. In New York, this tax is due on prop...
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Ronald Carvalho created an article,
What is the Massachusetts Homestead Declaration Fee?
Massachusetts automatically provides a one hundred twenty five thousand dollar ($125,000) homestead protection on primary residences. This protects the value of the homeowners property against atta...
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Ronald Carvalho created an article,
What is the Washington State Sales Tax?
Washington is one of several states that charges a sales tax on title insurance premiums as well as escrow and settlement fees. These taxes vary by location, and typically there are changes across ...
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Ronald Carvalho created an article,
Arkansas Transfer Tax Exemptions for VA and FHA Loans
For home loans in Arkansas, exemptions exist for transfer taxes for FHA and VA loans, among others. According to the Arkansas Code Title 26, Taxation Section 26-60-102 (See below), this exemption ...
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Ronald Carvalho created an article,
LodeStar's Default Recording Fee Page Counts
Within the Recording Fees section of your LodeStar calculator, the page counts are automatically set for each document. LodeStar defaults to a 3 page Deed (5 in OK for SB212 affidavit) and a 30 pa...