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Smart Query™ Recording Fee/Tax Calculators
Smart Query™ calculators provide assistance to the lenders, title companies and real estate professionals by instantly generating recording fees, transfer taxes, lender's title insurance premium estimates and recording requirements associated with a loan transaction, in any recording jurisdiction throughout the United States. Smart Query™ enables you to disclose to the borrower or lender the most accurate, current and comprehensive information available for HUD-1 government fees prior to a loan closing. With one simple query you can virtually eliminate document rejections resulting from incorrect recording fees, taxes and formatting requirements.
What does Smart Query™ do?
In one request you can query any jurisdiction in the nation through our web site or via XML and simultaneously obtain multiple calculation results, recording requirements and jurisdictional details to process Good Faith Estimates or recording. By selecting a recording jurisdiction, entering the amount of your transaction, the number of pages and the type of transaction you can generate the following calculations:
What does this mean to you?
Smart Query™ instantly generates accurate government recording fees, taxes and lender's title premiums estimates required to complete lines 1108, 1200-1205 on the HUD-1 or any other comparable good faith estimate form. Our data is updated continually and verified by our legal team prior to posting. As a result our subscribers have less than a 1% rejection rate resulting from incorrect recording fees, taxes and formatting requirements when using our information.
How does Smart Query™ work?
Smart Query™ is designed to make calculating recording fees, taxes and lender's premium estimates fast and easy. Our enhanced calculator suite can simultaneously access multiple calculators in one request and return your results in seconds, on one easy to read screen. Your results can be customized to include County Recorder contact information and recording requirements with your calculations for use in recording applications, or simply generate fees and taxes for Good Faith Estimates. Smart Query™ is available on the web and in XML providing you the flexibility to integrate our data directly into your LOS or recording processes. Ernst Publishing is the recognized authority on land recording offices in the United States since 1989. Our primary goal is to assist our subscribers in eliminating real estate recording rejections. To do this successfully we have created and maintain the most comprehensive central database of information related to recording Deeds, Mortgages (new and refinance), Assignments, Releases, Satisfactions and Lender's Title Premiums available. Our data is updated continually and reviewed by legal experts in all 3600 approximate recording jurisdictions throughout the country. Our research team and legal counsel are available to our subscribers to answer any questions and to assist with understanding jurisdictional recording requirements. Our Lender's Title Insurance Estimator is compiled by experts in the title industry and maintained by Ernst with over 5,400 jurisdictional entries. Rate estimates can be issued for New or Reissue of Lender's Title Premiums.
The Media:
Smart Query™ calculators are available for integration into any LOS or recording software program. Our information can be customized for Good Faith Estimate or recording applications in all of our available interfaces. If you are a current Real Estate Recording Guide™ subscriber you will receive 500 complimentary Smart Query™ calculations with your annual subscription. For additional pricing and high volume programs at reduced rates please contact our Client Services Division. Contact our Client Services Division by e-mail or call us at 1-800-345-3822 for more information and to arrange a personal consultation on our web based, XML or data delivery solutions. Although precision in calculation and accuracy in data is our goal, any table of this sort may contain imperfection. The Truth in Lending obligation of a lender to provide loan customers with closing cost estimates and they are accurately called "Good Faith Estimates". We believe that reliance in the data provided by any of the Smart Query™, components insure compliance with the guidelines. Our data has been exhaustively researched from reliable sources, our tables have been checked for mathematic accuracy and the tables are updated on a regular basis. As a result, the information obtained from use of Smart Query™, components will always be a fair estimate of the actual costs made in good faith reliance on professional information providers.
OTHER PRODUCTS
The Real Estate Recording Guide™
The Uniform Commercial Code Filing Guide™
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