Table of Contents

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I. Introduction

II. Buying & Financing A Home

	Role of the Real Estate Broker
	Selecting an Attorney
	Terms of the Agreement of Sale
	Shopping For a Loan
	Selecting a Settlement Agent
	Securing Title Services
	RESPA Disclosures
	Processing Your Loan Application
	RESPA Protection Against Illegal Referral Fees
	Your Right to File Complaints

III. Your Settlement Costs

	Specific Settlement Costs
	Calculating the Amount You Need At Settlement
	Adjustments To Costs Shared By Buyer and Seller
	HUD-1 Settlement Statement

IV. Appendix