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(upbeat piano music) - The first is the settlement statement. This is just breaking down the credits, the debits that are to the buyer and the seller. And this, the title company is going to send out to the real estate agents as a rule of thumb first, to make sure that we havent missed anything. Well talk about this and title tips as well, but sometimes theres an addendum to the contract that changes something as far as terms on the sales price, maybe the closing costs credit, maybe a home warranty has been added for different reasons throughout the contract to close process, and we want to make sure that we encompass all of those before the seller or buyer sees that settlement statement. Its always hard to go backwards from the settlement statement once you get one out there. The sellers like, well, wait a minute. The other one didnt have a home warranty, you know, it was kind of missed. So if we can catch those by the title company and by the real estate agents taking a look a