Affiliated Business Arrangement Disclosure

Thank you for contacting us, your local BetterHomesUSA,BetterHomesNJ and affiliates, in connection with the purchase or sale of a home or other property. This is to inform you that BetterHomesUSA,BetterHomesNJ and affiliates has a business relationship with the companies listed in this Statement, in that each of the companies is wholly or partially owned by BetterHomesUSA,BetterHomesNJ and affiliates. Because of these relationships, the referral of business to those companies may provide us or other related parties noted herein a financial or other benefit. We will not be paid a referral fee as a result of any referral to non-real estate brokerage companies.
We have set forth below the full range of services that these companies provide, along with an estimate of the range of charges generally made for these services. You are NOT required to use the listed companies as a condition of the purchase or sale of your property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO RESEARCH OTHER OPTIONS TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST FINANCIAL OPPORTUNITIES FOR THOSE SERVICES.
COMPANIES

Intercounty Mortgage Co.
Provides a full range of residential first mortgage loan products and services.

BetterHomes Title Agency, LLC
Based upon a search of public records, this service brings to your attention any known problems with the property's title before closing, and insures against loss due to certain title defects. Different types of coverage are available at different rates.
HUD-1
DESCRIPTION/LINE
DESIGNATION

Loan origination fee/ (801)
Loan discount fee/ (802)
Application fee/(800) Series

Purchase of owner's or lender's policy (1108-1110) for:

$100,000 home
$250,000 home
$500,000 home
Purchase of lender's simultaneously issued policy
Search and examination
Miscellaneous endorsements and New Jersey closing service letter
ESTIMATE OF RANGE OF CHARGES GENERALLY MADE BY PROVIDER1

0-2% of loan amount
0-5% of loan amount2 $0-3503



$425 - $525
$913 - $1,125
$1,770 - $2,180
$25

$150 - $200
$125 - $150
1. Actual charges may vary according to the particular circumstances underlying the transaction, including the home value, coverage and limits, other requested terms and services, unusual market conditions, government regulations, property location and features, and other similar factors. Rates may not be the lowest available and are subject to change. For a free, no obligation quote, please contact the company directly. Where required by state law, current rates for insurance are filed with the applicable state agency, and depending upon the circumstances, may vary from the rates shown above.
2. The loan discount fee/points are affected by the note rate. Depending upon market conditions, the loan discount fee/points may be higher to adjust for below market rates.
3. There are other charges imposed in connection with mortgage loans. If you apply to this company for a loan, you will receive additional information regarding anticipated charges.

In addition, although not affiliated business arrangements, please note the following: BetterHomesUSA,BetterHomesNJ and affiliates markets the First American Home Warranty© as the Home Protection Plan and ADT© Security Services, Your Town Insurance as well as other products and services. BetterHomesUSA,BetterHomesNJ and affiliates or its affiliate(s) may receive a financial or other benefit as the result of that referral.