Easily Delete Checkbox Group to the Earnest Money Promissory Note

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How to Delete Checkbox Group to the Earnest Money Promissory Note

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- Hey everybody. My name is Paul Vojchehoske and welcome to the Real Estate Classroom, YouTube channel. So in todays video, were gonna discuss the promissory note and the mortgage. In my next video, were gonna discuss the deed of trust, all right? It just seems like the promissory note, the mortgage and the deed of trust is very difficult for students to understand these concepts. So I wanna make sure that I do a good job on this video, but, the promissory note and the mortgage is where were gonna start, and Im gonna give you everything that you need to know, in this video. (bright upbeat music) Okay, so in this video, were gonna discuss two legal, separate distinct instruments called the promissory note and the mortgage and as I said in my opener, in the next video, Im gonna discuss the deed of trust or sometimes called the trust deed. It is a concept, all three of these instruments, people just seem, students just seem to have a hard time comprehending how it all works. But we

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Who keeps earnest money if deal falls through?

If the buyer cant close for any reason, the contract is bdocHubed and the seller can keep the earnest money deposit.

How do you verify earnest money?

A Request for Verification of Deposit (Form 1006 or Form 1006(S))* must indicate that the average balance for the past two months was large enough to support the amount of the deposit. Bank statements must evidence that the average balance for the past two months was large enough to support the amount of the deposit.

What is earnest money in the form of a promissory note?

Earnest money deposits can take any form agreed to by the seller. In some cases, the buyer will offer an earnest money promissory note instead of making a direct payment. This gives the buyer some assurance that it will not lose the money deposited if the deal falls through.

Who keeps earnest money?

This down payment is called the Earnest Money, and the person holding it on the buyers behalf is called the Escrow Agent. Typically these funds are held by the Escrow Agent until closing when they are paid over to the seller and credited to the buyer towards the purchase price for the home.

What reasons can a seller keep earnest money?

If you change your mind late in the buying process for reasons other than contingencies, the seller can keep the earnest deposit. It compensates them for the time, money and effort required to list the property again and obtain another buyer.

Who holds earnest money deposit?

Earnest money is when you send money ahead of time to prove youre a serious buyer. It can be held either by a licensed real estate agent (the sellers or your own) or a title company.

Who gives earnest money back?

The earnest money typically goes towards the buyers down payment or closing costs. It is refunded to the buyer only upon certain contingencies specified in the contract. If the buyer cancels the contract outside of the contingencies, it is released to the seller.

How do I cash a promissory note?

The lender can then take the promissory note to a financial institution (usually a bank, albeit this could also be a private person, or another company), that will exchange the promissory note for cash; usually, the promissory note is cashed in for the amount established in the promissory note, less a small discount.

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