Heidi Laros

Congratulations! You’ve made the exciting decision to buy a home. Whether you’re a first-time buyer or you’re moving to a new neighborhood, purchasing a house is a significant milestone in life.

As you navigate the journey of homeownership, one of the most crucial aspects to understand is the mortgage process. Mortgages can seem overwhelming at first, especially with all the jargon involved. But fear not! In this guide, we’ll break down some essential mortgage terms every home buyer should know, helping you feel confident as you take this big step towards owning your dream home.

Getting Started: Basic Mortgage Terms

Principal:

Let’s start with the basics. The principal is the total amount of money you borrow from a lender to buy your home. This amount doesn’t include interest or other fees.

Interest Rate:

The interest rate is the percentage of the loan amount charged by the lender for borrowing the money. It’s essentially the cost of borrowing.

Down Payment:

The down payment is the initial payment you make towards the purchase of the home. It’s typically a percentage of the total purchase price. The higher your down payment, the lower your loan amount will be.

Amortization:

This term refers to the process of paying off a loan over time through regular payments. Each payment goes towards reducing the principal and paying the interest.

Types of Mortgages

Fixed-Rate Mortgage:

With a fixed-rate mortgage, the interest rate remains the same throughout the entire loan term. This means your monthly payments will stay consistent, providing stability and predictability.

Adjustable-Rate Mortgage (ARM):

Unlike a fixed-rate mortgage, an ARM has an interest rate that can change periodically, usually after an initial fixed period. This means your monthly payments can fluctuate, potentially increasing over time.

FHA Loan:

An FHA loan is a mortgage insured by the Federal Housing Administration, designed to help buyers with low to moderate incomes. These loans typically require a lower down payment, making them more accessible to first-time buyers.

VA Loan:

VA loans are available to eligible veterans, active-duty service members, and certain spouses. They offer competitive interest rates and require no down payment or private mortgage insurance (PMI).

Mortgage Payments and Fees

Monthly Payment:

Your monthly mortgage payment includes principal, interest, taxes, and insurance (often referred to as PITI). It’s important to budget for this amount each month to ensure you can comfortably afford your home.

Private Mortgage Insurance (PMI):

If you make a down payment of less than 20% on a conventional loan, you may be required to pay PMI. This insurance protects the lender in case you default on the loan.

Closing Costs:

These are fees associated with the purchase of the home, such as appraisal fees, title insurance, and attorney fees. Closing costs typically range from 2% to 5% of the loan amount and are paid at the closing table.

Understanding Loan Terms

Loan Term:

The loan term is the length of time you have to repay the loan. Common loan terms are 15, 20, or 30 years, though other options may be available depending on the lender.

Pre Approval:

Before you start house hunting, it’s wise to get preapproved for a mortgage. This involves submitting financial documents to a lender who will assess your creditworthiness and provide a conditional commitment for a loan amount.

Closing Disclosure:

This document outlines the final terms of your mortgage loan, including the interest rate, monthly payment, closing costs, and any fees associated with the loan. Review it carefully before closing to ensure everything is accurate.

Tips for Success

Now that you’re familiar with these important mortgage terms, here are a few additional tips to help you navigate the home buying process successfully:

Shop Around: Don’t settle for the first mortgage offer you receive. Shop around and compare rates from multiple lenders to ensure you’re getting the best deal.
Improve Your Credit Score: A higher credit score can help you qualify for a lower interest rate, saving you money over the life of the loan. Take steps to improve your credit score before applying for a mortgage.
Consider Your Long-Term Goals: Think about your long-term goals and financial situation when choosing a mortgage. A lower monthly payment may be appealing now, but consider how it will impact your finances in the future.
Don’t Overextend Yourself: It can be tempting to buy the biggest house you can afford, but be realistic about what you can comfortably afford. Remember to factor in other expenses like maintenance, utilities, and savings for emergencies.

By understanding these essential mortgage terms and following these tips, you’ll be well-equipped to navigate the home buying process with confidence. Remember, buying a home is a significant investment, so take your time, do your research, and make informed decisions every step of the way.

Happy house hunting!

Disclosure of Information on Lead-Based Paint and/or Lead-Based Paint Hazards
General Radon Disclosure
Additional Disclosures

Disclosure of Information on Lead-Based Paint and/or Lead-Based Paint Hazards

Lead Warning Statement

Every purchaser of any interest in residential real property on which a residential dwelling was built prior to 1978 is notified that such property may present exposure to lead from lead-based paint that may place young children at risk of developing lead poisoning. Lead poisoning in young children may produce permanent neurological damage,including learning disabilities, reduced intelligence quotient, behavioral problems, and impaired memory. Lead poisoning also poses a particular risk to pregnant women. The seller of any interest in residential real property is required to provide the buyer with any information on lead-based paint hazards from risk assessments or inspections in the seller’s possession and notify the buyer of any known lead-based paint hazards. A risk assessment or inspection for possible lead-based paint hazards is recommended prior to purchase.

Seller’s Disclosure

(a) Presence of lead-based paint and/or lead-based paint hazards (check (i) or (ii) below):

(i) Known lead-based paint and/or lead-based paint hazards are present in the housing (explain).

(ii) Seller has no knowledge of lead-based paint and/or lead-based paint hazards in the housing.

(b) Records and reports available to the seller (check (i) or (ii) below):

(i) Seller has provided the purchaser with all available records and reports pertaining to leadbased paint and/or lead-based paint hazards in the housing (list documents below).

(ii) Seller has no reports or records pertaining to lead-based paint and/or lead-based paint hazards in the housing

General Radon Disclosure

DISCLOSURE OF INFORMATION ON RADON HAZARDS

For Residential Real Property Sales or Purchases

Radon Warning Statement

Every buyer of any interest in residential real property is notified that the property may present exposure to dangerous levels of indoor radon gas that may place the occupants at risk of developing radoninduced lung cancer. Radon, a Class-A human carcinogen, is the leading cause of lung cancer in nonsmokers and the second leading cause overall. The seller of any interest in residential real property is required to provide the buyer with any information on radon test results of the dwelling showing elevated levels of radon in the seller's possession.

Most state agencies strongly recommend ALL home buyers have an indoor radon test performed prior to purchase or taking occupancy, and mitigated if elevated levels are found. Elevated radon concentrations can easily be reduced by a qualified, licensed radon mitigator.

Property Address:

Seller's Disclosure (check each of the following which applies)

Elevated radon concentrations (above EPA recommended Radon Action Level) are known to be present within the dwelling. (Explain)
Seller has provided the purchaser with all available records and reports pertaining to elevated radon concentrations within the dwelling.
Seller has no knowledge of elevated radon concentrations in the dwelling.
Seller has no records or reports pertaining to elevated radon concentrations within the dwelling.

Wisconsin Real Estate Condition Report

REAL ESTATE CONDITION REPORT

THIS CONDITION REPORT CONCERNS THE REAL PROPERTY LOCATED AT:

IN THE COUNTY OF STATE OF WISCONSIN. THIS REPORT IS A DISCLOSURE OF THE CONDITION OF THAT PROPERTY AS OF ,IN COMPLIANCE WITH SECTION 709.02 OF THE WISCONSIN.STATUTES. IT IS NOT A WARRANTY OF ANY KIND BY THE OWNER OR ANY AGENTS REPRESENTING ANY PRINCIPAL IN THIS TRANSACTION AND IS NOT A SUBSTITUTE FOR ANY INSPECTIONS OR WARRANTIES THAT THE PRINCIPALS MAY WISH TO OBTAIN.

OWNER'S INFORMATION

B. 1. In this form, ''am aware" means to have notice or knowledge. In this form, "defect" means a condition that would have a significant adverse effect on the value of the property; that would significantly impair the health or safety of future occupants of the property; or that if not repaired, removed or replaced would significantly shorten or adversely affect the expected normal life of the premises.

B. 2. The owner discloses the following information with the knowledge that even though this is not a warranty, prospective buyers may rely on this information in deciding whether and on what terms to purchase the property. The owner hereby authorizes any agent representing any principal in this transaction to provide a copy of this statement, and to disclose any information in the statement, to any person in connection with any actual or anticipated sale of the property.

B. 3. The owner represents that to the best of his or her knowledge the responses to the following statements have been accurately noted as "yes", "no" or "not applicable'' to the property being sold. If the owner responds to any statement with ''Yes , the owner shall provide, in the additional information area of this form, an explanation- of the reason why the response to the statement is "yes".

B. 4. If the transfer is of a condominium unit, the property to which this form applies is the condominium unit, the common elements of the condominium and any limited common elements that may be used only by the owner of the condominium unit being transferred.

STATEMENTS

		Yes	No	N/A	See Experts Report
C.1.	I am aware of defects in the roof.
C.2.	I am aware of defects in the electrical system.
C.3.	I am aware of defects in part of the plumbing system (including the water heater, water softener and swimming pool) that is included in the sale.
C.4.	I am aware of defects in the heating and air conditioning system (including the air filters and humidifiers).
C.5.	I am aware of defects in the well, including unsafe well water.
C.6.	I am aware that this property is served by a joint well
C.7.	I am aware of defects in the septic system or other sanitary disposal system.
C.8.	I am aware of underground or aboveground fuel storage tanks on or previously located on the property. (if "yes'', the owner, by law, may have to register the tanks with the Department of Commerce at P.O. Box 7970, Madison, Wisconsin 53707, whether the tanks are in use or not Regulations of the Department of Commerce may require the closure or removal of unused tanks.)
C.9.	I am aware of an "LIP'' tank on the property. (If ''yes , state whether or not the owner of the property either owns or leases the tank).
C.10.	I am aware of defects in the basement or foundation (including cracks, seepage and bulges).
C.11.	I am aware that the property is located in a floodplain, wetland or shoreland zoning area.
C.12.	I am aware of defects in the structure of the property .
C.13.	I am aware of defects in mechanical equipment included in the sale either as fixtures or personal property.
C.14.	I am aware of boundary or lot line disputes, encroachments or encumbrances (including a joint driveway).
C.15.	I am aware of a defect caused by unsafe concentrations of, or unsafe conditions relating to, radon, radium in water supplies, lead in paint, lead in soil, lead in water supplies or plumbing system, or other potentially hazardous or toxic substances on the premises.
C.16.	I am aware of the presence of asbestos or asbestos-containing materials on the premises.
C.17.	I am aware of a defect caused by unsafe concentrations of, unsafe conditions relating to, or the storage of, hazardous or toxic substances on neighboring properties.
C.18.	I am aware of current or previous termite, powder-post beetle or carpenter ant infestations.
C.19.	I am aware of defects in a wood burning stove or fireplace or of defects caused by afire in a stove or fireplace or elsewhere on the property.
C.20.	I am aware either that remodeling affecting the property's structure or mechanical systems was done or that additions to this property were made during my period of ownership without the required permits.
C.21.	I am aware of federal, state, or local regulations requiring repairs, alterations or corrections of an existing condition.
C.22.	I have received notice of property tax increases, other than normal annual increases, or am aware of a pending property reassessment.
C.23.	I am aware that remodeling that may increase the property's assessed value was done.
C.24.	I am aware of proposed or pending special assessments.
C.25.	I am aware of the proposed construction of a public project that may affect the use of the property.
C.26.	I am aware of subdivision homeowners' associations, common areas co-owned with others, zoning violations or nonconforming uses, rights-of-way, easements, or another use of a part of the property by nonowners, other than recorded utility easements.
C.27.	I am aware of other defects affecting the property.
ADDITIONAL INFORMATION
D.1.	I am aware that a structure on the property is designated as a historic building or that part of the property is in a historic district.
D.2.	The owner has lived on the property for years.
D.3.	Explanation of "yes" responses. (See B.3.)

35. Disclosure report form. The disclosures required of a seller by this Act shall be made in the following form:

RESIDENTIAL REAL PROPERTY DISCLOSURE REPORT

notice: the purpose of this report is to provide prospective buyers with information about material defects in the residential real property before the signing of a contract. this report does not limit the parties' right to contract for the sale of residential real property in "as is" condition. under common law, sellers who disclose material defects may be under a continuing obligation to advise the prospective buyers about the condition of the residential real property even after the report is delivered to the prospective buyer. completion of this report by the seller creates legal obligations on the seller; therefore the seller may wish to consult an attorney prior to completion of this report. Property Address:
City, State & Zip Code:
Seller's Name(s):

This Report is a disclosure of certain conditions of the residential real property listed above in compliance with the Residential Real Property Disclosure Act. This information is provided as of . The disclosures herein shall not be deemed warranties of any kind by the seller or any person representing any party in this transaction.

In this form, "aware" means to have actual notice or actual knowledge without any specific investigation or inquiry. In this form, "material defect" means a condition that would have a substantial adverse effect on the value of the residential real property or that would significantly impair the health or safety of future occupants of the residential real property unless the seller reasonably believes that the condition has been corrected.

The seller discloses the following information with the knowledge that even though the statements herein are not deemed to be warranties, prospective buyers may choose to rely on this information in deciding whether or not and on what terms to purchase the residential real property.

The seller represents that to the best of his or her actual knowledge, the following statements have been accurately noted as "yes" (correct), "no" (incorrect), or "not applicable" to the property being sold. If the seller indicates that the response to any statement, except number 1, is yes or not applicable, the seller shall provide an explanation in the additional information area of this form.

		YES	NO	N/A
1.	Seller has occupied the property within the last 12 months. (If “no,” please identify capacity or explain relationship to property.)
2.	I currently have flood hazard insurance on the property.
3.	I am aware of flooding or recurring leakage problems in the crawl space or basement.
4.	I am aware that the property is located in a floodplain.
5.	I am aware of material defects in the basement or foundation (including cracks and bulges).
6.	I am aware of leaks or material defects in the roof, ceilings, or chimney.
7.	I am aware of material defects in the walls, windows, doors, or floors.
8.	I am aware of material defects in the electrical system.
9.	I am aware of material defects in the plumbing system (includes such things as water heater, sump pump, water treatment system, sprinkler system, and swimming pool).
10.	I am aware of material defects in the well or well equipment.
11.	I am aware of unsafe conditions in the drinking water.
12.	I am aware of material defects in the heating, air conditioning, or ventilating systems.
13.	I am aware of material defects in the fireplace or wood burning stove.
14.	I am aware of material defects in the septic, sanitary sewer, or other disposal system.
15.	I am aware of unsafe concentrations of radon on the premises.
16.	I am aware of unsafe concentrations of or unsafe conditions relating to asbestos on the premises.
17.	I am aware of unsafe concentrations of or unsafe conditions relating to lead paint, lead water pipes, lead plumbing pipes or lead in the soil on the premises.
18.	I am aware of mine subsidence, underground pits, settlement, sliding, upheaval, or other earth stability defects on the premises.
19.	I am aware of current infestations of termites or other wood boring insects.
20.	I am aware of a structural defect caused by previous infestations of termites or other wood boring insects.
21.	I am aware of underground fuel storage tanks on the property.
22.	I am aware of boundary or lot line disputes.
23.	I have received notice of violation of local, state or federal laws or regulations relating to this property, which violation has not been corrected.
24.	I am aware that this property has been used for the manufacture of methamphetamine as defined in Section 10 of the Methamphetamine Control and Community Protection Act.

Note: These disclosures are not intended to cover the common elements of a condominium, but only the actual residential real property including limited common elements allocated to the exclusive use thereof that form an integral part of the condominium unit.
Note: These disclosures are intended to reflect the current condition of the premises and do not include previous problems, if any, that he seller reasonably believes have been corrected.
If any of the above are marked “not applicable” or “yes”, please explain here or use additional pages, if necessary:

Check here if additional pages used:

Seller certifies that seller has prepared this report and certifies that the information provided is based on the actual notice or actual knowledge of the seller without any specific investigation or inquiry on the part of the seller. The seller hereby authorizes any person representing any principal in this transaction to provide a copy of this report, and to disclose any information in the report, to any person in connection with any actual or anticipated sale of the property.
the seller acknowledges that the seller is required to provide this disclosure report to the prospective buyer before the signing of the contract and has a continuing obligation, pursuant to section 30 of the residential real property disclosure act, to supplement this disclosure prior to closing.

Seller's Property Disclosure Statement

DATE:

Seller's Name(s):

BUYER(S): ________________________________________________________________________________________________

For the Property located at:

The Seller of the property identified above discloses the following material defects of the property. A defect is "material" if the buyer would consider it material; that is, if known to a prospective buyer, it would cause that person to not buy the property, or to pay less for it. This definition also includes those elements which could impair the health or safety of future occupants. If the seller reasonably believes a condition has been fully corrected, disclosure is not required.

I am aware of the following material conditions affecting the Property:

The printed portions of this form, except differentiated additions, have been approved by the Colorado Real Estate Commission. (LP47-5-04)

Lead-Based Paint Obligations of Seller

Seller acknowledges the following obligations, which shall be completed before the buyer is obligated under any contract to buy and sell real estate. There is no obligation of Seller to conduct any evaluation or reduction activities.

Seller shall provide the required lead warning statement set forth on the lead-based paint disclosure form.
Seller shall provide the buyer with the EPA-approved lead hazard information pamphlet "Protect Your Family From Lead in Your Home".
Seller shall disclose to the buyer and the real estate licensee(s) the presence of any known lead based paint and/or lead-based paint hazards in the Property being sold. Seller shall also disclose any additional information available to Seller concerning the known lead-based paint and/or lead based paint hazards, such as the basis for the determination that lead-based paint and/or lead-based paint hazards exist, the location of the lead-based paint and/or lead-based paint hazards, and the condition of the painted surfaces.
Seller shall disclose to each real estate licensee the existence of any available records or reports. Seller shall also provide the buyer with any records or reports available to Seller pertaining to lead based paint and/or lead-based paint hazards in the Property being sold. This requirement includes records and reports regarding common areas. This requirement also includes records and reports regarding other residential dwellings in multifamily target housing, provided that such information is part of an evaluation or reduction of lead-based paint and/or lead-based paint hazards in the building as a whole. If no such records or reports are available, Seller shall so indicate.
Seller, before a buyer is obligated under any contract to buy and sell real estate, shall permit the buyer a 10-day period (unless the parties mutually agree, in writing, upon a different period of time) to conduct a risk assessment or inspection for the presence of lead-based paint and/or lead-based
paint hazards. A buyer may waive the opportunity to conduct the risk assessment or inspection by so indicating in writing.
Seller must sign and date the Lead-Based Paint Disclosure, certifying to the accuracy of Seller's statements, to the best of Seller's knowledge.

If any of the disclosure activities identified above occurs after the buyer has provided an offer to purchase the Property, Seller shall complete the required disclosure activities prior to accepting the buyer's offer and allow the buyer an opportunity to review the information and possibly amend the offer.
Seller is required to retain a copy of the completed Lead-Based Paint Disclosure for 3 years from the completion date of the sale.

Property known as No:

Date: 09-16-2024	Date: 09-16-2024
Seller:	Seller:

The printed portions of this form except differentiated additions, have been approved by the Colorado Real Estate Commission. (LP45-6-21) (Mandatory 1-22)

THIS FORM HAS IMPORTANT LEGAL CONSEQUENCES AND THE PARTIES SHOULD CONSULT LEGAL AND TAX OR OTHER COUNSEL BEFORE SIGNING.

LEAD-BASED PAINT DISCLOSURE (Sales)

Attachment to Contract to Buy and Sell Real Estate for the Property known as:
Street Address City State Zip

WARNING! LEAD FROM PAINT, DUST, AND SOIL CAN BE DANGEROUS IF NOT MANAGED PROPERLY.Penalties for failure to comply with Federal Lead-Based Paint Disclosure Laws include treble (3 times) damages, attorney fees, costs, and a base penalty adjusted for inflation for each violation.

Disclosure of Information on Lead-Based Paint and/or Lead-Based Paint Hazards

Lead Warning Statement

Every purchaser of any interest in residential real property on which a residential dwelling was built prior to 1978 is notified that such property may present exposure to lead from lead-based paint that may place young children at risk of developing lead poisoning. Lead poisoning in young children may produce permanent neurological damage, including learning disabilities, reduced intelligence quotient, behavioral problems, and impaired memory. Lead poisoning also poses a particular risk to pregnant women. The Seller of any interest in residential real property is required to provide the buyer with any information on lead-based paint hazards from risk assessments or inspections in the Seller's possession and notify the buyer of any known lead-based paint hazards. A risk assessment or inspection for possible lead-based paint hazards is recommended prior to purchase.

	Seller's Disclosure to Buyer and Real Estate Licensee(s) and Acknowledgment
1.	Seller acknowledges that Seller has been informed of Seller's obligations. Seller is aware that Seller must retain a copy of this disclosure for not less than three years from the completion date of the sale.
2.	Presence of lead-based paint and/or lead-based paint hazards (check one box below):
	Seller has no knowledge of any lead-based paint and/or lead-based paint hazards present in the housing.
	Seller has knowledge of lead-based paint and/or lead-based paint hazards present in the housing (explain):

3.	Records and reports available to Seller (check one box below):
	Seller has no reports or records pertaining to lead-based paint and/or lead-based paint hazards in the housing
	Seller has provided Buyer with all available records and reports pertaining to lead-based paint and/or lead-based paint hazards in the housing (list documents below):

The printed portions of this form, except differentiated additions, have been approved by the Colorado Real Estate Commission. (GD31-9-12)

THIS FORM HAS IMPORTANT LEGAL CONSEQUENCES AND THE PARTIES SHOULD CONSULT LEGAL AND TAX OR OTHER COUNSEL BEFORE SIGNING.

GREEN DISCLOSURE
(Energy)

THIS DISCLOSURE SHOULD BE COMPLETED BY SELLER, NOT BY BROKER.

Seller states that the information contained in this Disclosure is correct to Seller’s CURRENT ACTUAL KNOWLEDGE as of this Date. Seller hereby receipts for a copy of this Disclosure. Broker may deliver a copy of this Disclosure to prospective buyers.

Note: If an item is not present at the Property, the Seller does not know the answer or if an item is not to be included in the sale, the applicable check box is not checked. The Contract to Buy and Sell Real Estate, not this Disclosure form, determines whether an item is included or excluded; if there is an inconsistency between this form and the Contract, the Contract controls.

Date:
Property Address:
Seller:

Property Address:
	Street Address City State Zip

1.	Home Performance Programs	Home Performance with ENERGY STAR
2.	Construction Type:	SIPS	ICF	Material Efficient Framing
		Improved Insulation	Straw Bale	Earthen Build/Rammed Earth
		Other

4.	Water Efficient Features:	Low Flow Toilets	Low Flow Fixtures/Shower Heads
		Low Water sod	Hot Water Recirculation Pump/Structured Plumbing
		Xeriscaping	Hot Water Recirculation Pump/Structured Plumbing
		WaterSense by ENERGY STAR

5.	Indoor Air Quality:	Indoor Air Quality Plus by ENERGY STAR	No or Low VOC Paint
		Heat Recovery Ventilator/Fresh Air System	Radon Mitigation System
		Green Guard Certified Carpet / Flooring (documentation required)
		No Formaldehyde Certified Cabinetry (documentation required)

6.	Sustainable Materials:	FSC Certified Lumber	FSC Certified Cabinets	Recycled Content
		Reclaimed Flooring	Sustainable Flooring	Regionally Harvested

7.	Energy Features:	ENERGY STAR/Low E Windows (documentation required)	Automated Lighting Controls
		Orientation/Passive Solar Design	High Efficiency Lighting
		ENERGY STAR Rated Roof (documentation required)	Programmable Thermostat

ENERGY STAR Appliances:

Refrigerator

Range/Oven

Dishwasher

Clothes Washer

ADDITIONAL COMMENTS:

Seller and Buyer understand that the real estate brokers do not warrant or guarantee the above information on the Property. Property inspection services may be purchased and are advisable. This form is not intended as a substitute for an inspection of the Property.

The information contained in this Disclosure has been furnished by Seller, who certifies to the truth thereof based on Seller’s CURRENT ACTUAL KNOWLEDGE.


Seller	Date	Seller	Date

	ADVISORY TO BUYER:
1.	Even though Seller has answered the above questions to Seller’s current actual knowledge, Buyer should thoroughly inspect the Property and obtain expert assistance to accurately and fully evaluate the Property to confirm the status of the matters set forth herein.
2.	Seller states that the information is correct to “Seller’s current actual knowledge” as of the date of this form. The term “current actual knowledge” is intended to limit Seller’s disclosure only to facts actually known by the Seller and does not include “constructive knowledge” or “common knowledge” or what Seller “should have known” about the Property. The Seller has no duty to inspect the Property when this Disclosure is filled in and signed.
3.	Valuable information may be obtained from various local/state/federal agencies, and other experts may assist Buyer by performing more specific evaluations and inspections of the Property. Additional documentation such as receipts or information from manufacturers is also helpful.
4.	Whether any item is included or excluded is determined by the contract between Buyer and Seller and not this Green Disclosure.
5.	Buyer acknowledges that Seller does not warrant that the Property is fit for Buyer’s intended purposes or use of the Property. Buyer acknowledges that Seller’s indication that an item is “working” is not to be construed as a warranty of its continued operability or as a representation or warranty that such item is fit for Buyer’s intended purposes.
6.	Buyer hereby receipts for a copy of this Disclosure.


Seller	Date	Seller	Date

TERM	DEFINITION
AFUE	A central furnace or boiler's efficiency is measured by annual fuel utilization efficiency (AFUE).
Automated Lighting Controls	Automatic controls for lighting range from a simple outdoor light fixture with a built-in photo sensor to whole-house programmable controls that can activate lights for various scenarios
Ceiling Fans	Fans, set to push warm air into living spaces, can reduce winter heating bills, & cut cooling costs when they are used in lieu of air-conditioners
Earthen Built / Rammed Earth	A technique used in the building of walls using the raw materials of earth, chalk, lime & gravel.
ENERGYSTAR® / Low E Windows	In general, Colorado requires a U-factor of 0.35 or less to meet ENERGY STAR guidelines.
ENERGYSTAR® Rated Roof	ENERGY STAR qualified roof products reflect more of the sun's rays.
ENERGYSTAR® Refrigerator, Dishwasher,Clothes-Washer	ENERGY STAR qualified refrigerators are 20% more energy efficient than the minimum federal standard. ENERGYSTAR® qualified dishwasher models are, on average, 10% more energy efficient than non-qualified models. ENERGYSTAR® qualified clothes washers use about 30% less energy & use over 50% less water than regular washers.
Evaporative Cooling	AKA swamp cooler. A simple cooling system that operates by moving air across or through a wet pad.
FSC Certified Cabinets	Independent certification & labeling of forest products, such as lumber used for cabinets, administered by the Forest Stewardship Council
FSC Certified Lumber	Independent certification & labeling of forest products, such as lumber used for framing, administered by the Forest Stewardship Council.
Green Guard Certified Carpet/Flooring	Third-party certification program for carpet & flooring.
Grey water System	Untreated wastewater resulting from lavatory wash basins, laundry & bathing. Waste water from kitchen sinks is often excluded because of the high food & grease content.
Ground Source Heat Pump (Geothermal heat pumps/geothermal heat exchange)	Ground source heat pumps (GSHPs) are electrically powered systems that tap the stored energy of the earth. These systems use the earth's relatively constant temperature to provide heating, cooling, & hot water.
High Efficiency Furnace / Boiler	The Federal Trade Commission requires new furnaces or boilers to display their AFUE so consumers can compare heating efficiencies of various models. AFUE is a measure of how efficient the appliance is in the energy in its fuel over the course of a typical year.
High Efficiency Lighting (CFLs, LED)	New lighting technologies use less energy, last longer, & give off the same amount of light as old incandescent technologies. Compact fluorescent lights (CFLs) use about a quarter of the energy while giving off the same amount of light & lasting up to 10 times longer. Light-emitting Diodes (LEDs)create light without releasing heat, last longer than CFLs & do not contain mercury.
High Efficiency Water Heater	High efficiency water heaters use 10 to 50 percent less energy than standard models. Models with an ENERGYSTAR rating are considered highly efficient.
High SEER Air Conditioning	Air conditioners manufactured after January 26, 2006 must achieve a Seasonal Energy Efficiency Ratio (SEER) of 13 or higher
Home Orientation (South Facing Overhangs)	The home is located on the property to maximize solar gain in winter, & provide shade in summer. In general, a south-facing orientation, within 30° east or west of true south, will provide around 90% of the maximum static solar collection potential.
Home Performance with ENERGY STAR®	Home Performance with ENERGYSTAR is a national program administered by the U.S. Environmental Protection Agency (EPA) & the U.S. Department of Energy (DOE). It offers a comprehensive, "whole-house" approach to improving energy efficiency & comfort of existing homes.
Hot Water Recirculation Pump / Structured Plumbing	Hot water recirculation systems use a pump to move hot water through the plumbing system from the water heater to near the fixtures. Structured Plumbing is a method of designing the hot water plumbing layout to minimize hot water delivery times.
ICF	Rigid plastic foam forms that hold concrete in place during curing & remain in place afterwards to serve as thermal insulation for concrete walls. The foam sections are lightweight & result in energy efficient, durable construction
Indoor air PLUS By ENERGYSTAR®	A variety of construction practices & technologies to decrease the risk of poor indoor air quality. The Environmental Protection Agency administers a builder program called Indoor air PLUS.
Improved Insulation	Building codes typically require a minimum insulation level for each component of the building envelope. Improved Insulation refers to increasing the insulation levels beyond the minimum code requirements.
Insulation Air Sealing Upgrades	For existing homes, Insulation & Air Sealing upgrades are typically implemented in conjunction with an energy audit. These steps help seal a home from drafts & leakage, & increase the insulation levels of the home.
Low Flow Fixtures / Shower Heads	A faucet with aerator installed to reduce the flow of water but not reduce water pressure. Low-flow shower heads use about 2 ½ gallons of water per minute compared to between four & five gallons per minute used by conventional heads.
Low Flow Toilets	A toilet that uses less water per flush when compared to the current federal requirements. Such toilets often have the EPA's WaterSense label. In general, low-flow toilets use a maximum of 1.28 gallons of water per flush.
Low-water Sod	Landscaping that has significantly lower watering requirements than conventional turf. Most of these types come with certificates of installation in Colorado.
No Formaldehyde Certified Cabinetry	The Kitchen Cabinet Manufacturers Association (KCMA) created the Environmental Stewardship Program (ESP) to help cabinet manufacturers demonstrate their commitment to environmental sustainability & help consumers easily identify environmentally-friendly products.
No or Low VOC Paint	Paints that release no, or minimal Volatile Organic Compound (VOC) pollutants, & are virtually odor free.
Orientation / Passive Solar Design	Solar geometry, window technology & local climate are used to direct building design. Helps reduce or even eliminate the need for mechanical cooling & heating & daytime artificial lighting.
Programmable Thermostat	A thermostat that can be programmed to increase &decrease a home's temperature setting automatically.
Radon Mitigation System	A system that detects radon, a naturally occurring gas, colorless &odorless, that causes adverse health effects. Radon gas often enters a structure by seeping through cellar walls & floors.
Reclaimed Flooring	Material that is recovered for reuse or another purpose, such as wood barn siding hat becomes flooring.
Recycled Content	Recycled-content products are made from materials that would otherwise have been discarded. These products are made totally or partially from material contained in recycled products, like aluminum soda cans or newspaper.
Regionally Harvested	Harvested within 500 miles of home.
SEER Rating	The rating & performance standard developed by the U.S. government & equipment manufacturer's to produce an energy consumption rating that is easy to understand by consumers. The lower the SEER rating, the more energy required to produce the desired effect.
SIPS	Panels made from a thick layer of foam sandwiched between two layers of Oriented Strand Board (OSB), plywood or fiber-cement. They are an alternative to the foam core & are available with a core of agriculture fibers (such as wheat straw) thatprovides similar thermal & structural performance.
Straw Bale	A construction method that uses waste straw left over from crops, such as wheat, oats, barley, rye, rice & flax, after all the food has been extracted. Straw is gathered, baled, compressed & tied together. Bales are placed over a "stemwall" to protect the straw from the ground soil & the straw bales are stuccoed & plastered over for finishing.
Sustainable Flooring	Sustainable flooring is produced from sustainable materials (& by a sustainable process) that reduces demands on ecosystems during its life-cycle. This includes harvest, production, use & disposal.
Tankless/On Dem & Water Heater	A system that delivers hot water at a preset temperature when needed, but without requiring the storage of water. The approach reduces or eliminates energy standby losses. Tankless water heaters can be used for supplementary heat, such as a booster to a solar hot water system, or to meet all hot water needs. Tankless water heaters have an electric, gas, or propane heating device that is activated by the flow of water.
Whole House Fan	A whole-house fan is a type of fan installed in a building's ceiling, designed to pull hot air out of the building
Xeriscaping	A method of landscaping that promotes water conservation.

The printed portions of this form, except differentiated additions, have been approved by the Colorado Real Estate Commission. (SF94-5-18) (Mandatory 1-19)

SQUARE FOOTAGE DISCLOSURE
(Residential)

This disclosure is made to Buyer and Seller pursuant to the requirements of the Colorado Real Estate Commission and applies to improved residential real estate. Check applicable boxes below.
Property Address:

1. Licensee Measurement
Listing Licensee Has Has Notmeasured he square footage of the residence according to the following standard, methodology or manner:

Standard/Methodology/Manner	Date Measured	Square Footage
Exterior measurement
FHA
ANSI
Local standard
Other

2. Other Source of Measurement
Listing Licensee Is Is Not providing information on square footage of the residence from another source(s) as indicated below:

Source of Square Footage Information	Date	Square Footage
Prior appraisal (Date of document)
Building plans (Date of document)
Assessor’s office (Date obtained)
Other

Measurement may not be exact and is for the purpose of marketing ONLY. Measurement is not for loan, valuation or other purposes. If exact square footage is a concern, the property should be independently measured.

Buyer and Seller are advised to verify this information. Any independent measurement or investigation should be completed by Buyer on or before any applicable deadline in the contract.

The printed portions of this form, except differentiated additions, have been approved by the Colorado Real Estate Commission. 1 (SWA35-8-10) (Mandatory 1-11)

THIS FORM HAS IMPORTANT LEGAL CONSEQUENCES AND THE PARTIES SHOULD CONSULT LEGAL AND TAX OR 4 OTHER COUNSEL BEFORE SIGNING.

SOURCE OF WATER ADDENDUM 7
TO CONTRACT TO BUY AND SELL REAL ESTATE

Date:

1.	ADDENDUM TO CONTRACT TO BUY AND SELL REAL ESTATE.This Source of Water Addendum (Addendum) 12 is made a part of that Contract to Buy and Sell Real Estate between Seller and Buyer dated (Contract), 13 for the purchase and sale of the Property

known as No.

Street Address City State Zip

2.	SOURCE OF POTABLE WATER.Seller discloses the following information for he source of potable water for the 19 Property:

[Select and complete 1, 2 or 3 as applicable.]

2.1. The Property’s source of water is a Well. Well Permit #:

If a well is the source of water for the Property, a copy of the current Well Permit

Is Is Not attached.

2.2. The Water Provider for the Property can be contacted at:

Name:

Address:

Web Site:

Phone No.:

2.3.There is neither a Well nor a Water Provider for the Property. The source of water for the Property is [describe 33 source]:

The printed portions of this form, except differentiated additions, have been approved by the Colorado Real Estate Commission. (SPD19-6-23) (Available 8-23, Mandatory 1-24)

THIS FORM HAS IMPORTANT LEGAL CONSEQUENCES AND THE PARTIES SHOULD CONSULT LEGAL AND TAX OR OTHER COUNSEL BEFORE SIGNING.

SELLER’S PROPERTY DISCLOSURE
(RESIDENTIAL)

THIS SELLER’S PROPERTY DISCLOSURE SHOULD BE COMPLETED BY SELLER, NOT BY BROKER.

Seller states that the information contained in this Seller’s Property Disclosure (“SPD”) is correct to Seller’s CURRENT ACTUAL KNOWLEDGE as of this Date. Any changes must be disclosed by Seller to Buyer promptly after discovery. Seller's failure to disclose a known adverse material fact affecting the Property or occupant may result in legal liability.If the sales contract requires Seller to complete this SPD, this form must be fully completed to Seller’s current actual knowledge, as of the date of the Contract. If Seller has knowledge of an adverse material fact affecting the Property or occupants, it must be disclosed whether there is a specific item on this SPD or not. If the Property is part of a Common Interest Community, this SPD is limited to the Property or unit itself, except as stated in Section O. Broker may deliver a copy of this SPD to prospective buyers.

SELLER: Your answers are NOT limited to only the space provided in this SPD. Attach additional pages, reports, receipts, or any other documents you believe necessary for the information you provide to be complete.

Note: Buyer and Seller should review the Advisory at the end of this SPD.

Date:

Property:

Seller:

Year Built:

Year Seller Acquired Property:

Note: The Contract to Buy and Sell Real Estate, not this SPD, determines whether an item is included or excluded in the sale. If there is an inconsistency between this SPD and the Contract, the Contract controls.

Seller and Buyer understand that the real estate brokers do not warrant or guarantee the above information on the Property. Property inspection services may be purchased and are advisable. This SPD is not intended as a substitute for an inspection of the Property.

ADVISORY TO SELLER:
Seller acknowledges that Broker will disclose to any prospective buyer all adverse material facts actually known by Broker, including but not limited to adverse material facts pertaining to the physical condition of the Property, any material defects in the Property, and any environmental hazards affecting the Property. These types of disclosures may include such matters as structural defects, soil conditions, violations of health, zoning or building laws, and nonconforming uses and zoning variances.

In the event Seller discovers a new adverse material fact after completing this SPD, Seller must disclose any such new adverse material fact to Buyer.The information contained in this SPD has been furnished by Seller, who certifies it was answered truthfully, based on Seller’s CURRENT ACTUAL KNOWLEDGE.


Seller	Date	Seller	Date

	ADVISORY TO BUYER:
1.	Even though Seller has answered the above questions to Seller’s current actual knowledge, Buyer should thoroughly inspect the Property and obtain expert assistance to accurately and fully evaluate the Property to confirm the status of the following matters are satisfactory to Buyer:
	the physical condition of the Property; the presence of mold or other biological hazards; the presence of rodents, insects, and vermin including termites; the legal use of the Property, including zoning and legal access to the Property; the availability and source of water, sewer, and utilities; the environmental and geological condition of the Property; the presence of noxious weeds; and any other matters that may affect Buyer’s use and ownership of the Property that are important to Buyer as Buyer decides whether to purchase the Property.
2.	Seller states that the information is correct to “Seller’s current actual knowledge” as of the date of this form. The term “current actual knowledge” is intended to limit Seller’s disclosure only to facts actually known by the Seller and does not include “constructive knowledge” or “common knowledge” or what Seller “should have known” about the Property. The Seller has no duty to investigate or inspect the Property or inclusions when this SPD is filled in and signed.
3.	Valuable information may be obtained from various local/state/federal agencies, and other experts may assist Buyer by performing more specific evaluations and inspections of the Property.
4.	Boundaries, location and ownership of fences, driveways, hedges, and similar features of the Property may become the subjects of a dispute between a property owner and a neighbor. A survey may be used to determine the likelihood of such problems.
5.	Whether any item is included or excluded is determined by the Contract between Buyer and Seller and not this SPD.
6.	Seller does not warrant that the Property or inclusions are fit for Buyer’s intended purposes or use of the Property. Disclosure of the condition of an item is not to be construed as a warranty of its continued operability or as a representation or warranty that such item is fit for Buyer’s intended purposes.
7.	Buyer receipts for a copy of this SPD.


Buyer	Date	Buyer	Date

CRIBBED, LLC.

TERMS OF USE

Updated January 26, 2024

Welcome and thank you for your interest in Cribbed, the powerful way for you to buy and sell real estate without an agent. By accessing our website, mobile app, or other services offered by Cribbed, on www.cribbed.com, as a guest or through a registered user account, you (hereinafter "You" or "Seller" or "Buyer" as the case may be) agree to be bound by the following terms of use ("Terms of Use") and our privacy policy ("Privacy Policy") as updated and revised from time to time. Please read the Terms of Use and Privacy Policy carefully before you start using www.cribbed.com ("Cribbed.com" or the "Website"). These terms of use are entered into by and between You and Cribbed, LLC, and the following terms and conditions govern your access to and use of the Website, including any content, functionality, and services offered on or through the Website, whether as a guest or a registered user.

Fair Housing Act: Cribbed takes fair housing seriously, supports the Fair Housing Act, and does not engage in business practices that discrimate against individuals in a protected class, namely race, color, religion, national origin, sex, familiar status or handicap unless otherwise prohibited by law. We encourage all sellers to practice fair housing laws, whether required or not, and take responsibility for not participating in discrimatory practices. Cribbed contributes to the practice of fair housing by not showing buyer photos until after an appointment is accepted, so as to reduce making judgements or interpretations about a person based on how they look. Listing descriptions should describe the home, not the people who might live in the home, except where in a neighborhood with restrictive bylaws such as 55+ community.

Cribbed, LLC.

a. Cribbed, LLC. Cribbed, LLC ("We", the "Company" or "Cribbed") offers users a marketing platform with an interactive marketing experience with best-in-class technology for selling or buying homes without the need for a real estate agent. Any information, tips, and materials are offered on a non-transaction specific basis and Cribbed does not provide you with transaction-specific advice for a sale or purchase of a certain real property. Rather, with Cribbed you are empowered to drive your success and keep the savings to yourself. You get to make all the key decisions that affect your home sale or purchase.

b. Company's Role. THE COMPANY IS NOT A LICENSED REAL ESTATE BROKER OR AGENT OR MORTGAGE BROKER NOR AN ATTORNEY. THE COMPANY DOES NOT ACT AS A REAL ESTATE AGENT OR BROKER FOR YOU OR ANY OTHER USER, NOR DOES IT REPRESENT ITSELF AS A REAL ESTATE AGENT OR BROKER, nor a member of any multiple listing service (MLS). We do not list real estate on any MLS. The Company does not buy, sell, or negotiate the purchase, sale, or exchange of real property. Moreover, the Company does not lease or rent, offer to lease or rent, or negotiate the lease of any real property or otherwise aid and assist in the lease of real property. The Company receives no commission from the sale or purchase of real estate listed on the Website or otherwise, and it does not provide transactional advice to buyers or sellers on specific properties, including but not limited to pricing, negotiating the price, negotiating inspection items, or any other licensed activity, or action outside of the scope of marketing, administration, staging or tech support. We provide automated analytics with automated recommendations that apply to all in those similar situations.
Access.

a. Generally. We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users. You agree that all information you provide to register with this Website or otherwise, including but not limited to through the use of any interactive features on the Website, is accurate, is governed by our "Privacy Policy" and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

b. Age. The Website is offered and available to users 18 years of age or older and who reside in the United States or any of its territories or possessions. By using the Website, you represent and warrant that you are of legal age (at least 18) and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements or do not want to agree to these Terms of Use or "Privacy Policy", you must not access or use the Website.

c. Username and Password. You agree that you are solely responsible for the confidentiality of your username and password and that you will not disclose it to any other person or entity. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security, and that you will log out of your account at the end of each session. We have the right to disable any username, password, or other identifier, whether chosen by you or provided by us, at any time, and in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.

d. Mobile Applications. To use any mobile application feature of Cribbed.com, such as the mobile-optimized site or apps, you must have a compatible mobile device. We do not warrant that cribbed.com or any app will be compatible with your mobile device. You may use mobile data in connection with Cribbed.com or app and may incur additional charges from your wireless provider for using our services or app on your device. You agree that you are solely responsible for any applicable charges. We may automatically electronically update the version of any app that you have installed on a mobile device. You consent to all automatic upgrades, and understand that these Terms of Use will apply to all updated versions of an app. Any third-party open-source software included in an app is subject to the applicable open-source license and may be available directly from the creator under an open-source license. These Terms of Use do not apply to your use of software obtained from a third-party source under an open-source license.
Accounts.

You may choose to create a Cribbed account ("Account"), which grants you access to the Website. An active account is not required for some features such as accessing certain informational content, performing home searches, starting a listing, etc. However, access to certain functionalities of Cribbed.com, such as requesting appointments, saving searches, chatting with sellers, submitting an offer, saving a listing, or paying for a listing, will require you to create an account. If you create an account you agree to provide us with correct information and to keep your account information updated. By signing up for an account you agree to receive text messages generated in connection with Cribbed.com. It is your responsibility to be aware of any texting fees charged by your carrier.
Fees and Online Purchases.

a. Account Fees. You will be charged a fee ("Account Fee") based on the package chosen by You at registration. The Account Fee will be charged in accordance with the payment method selected by You. The Account Fee will entitle You to list your property on Cribbed.com for a period of six months in addition to the other services set forth within the chosen package. You may extend your listing on a monthly basis for an additional fee of $50.00 per month. Your listing will automatically be extended at the additional charge unless You cancel it. You acknowledge that Your subscription is subject to automatic renewals and You consent to and accepts responsibility for all recurring charges to Your credit or debit card (or other payment method, as applicable) based on this automatic renewal feature without further authorization from You and without further notice.

b. Payment. All fees are in U.S. dollars and are non-refundable. Our authorized third-party payment processors will charge the payment method you specify at the time of purchase or as agreed to as part of the selected Website service. If you pay any fees with a credit card, we may seek pre-authorization of your credit card account before your purchase to verify that the credit card is valid and has the necessary funds or credit available to cover your purchase. All purchases through our site or other transactions for the sale of goods, or services, or information formed through the Website or resulting from visits made by you are governed these Terms of Use.

c. Deferred Payment Option. Sellers may elect to defer the fees for a period of 6 months or until the closing of the sale of their property, whichever happens first, provided they use First American Title/TitleVest as settlement agent in connection with the closing of the sale. Notwithstanding the forgoing, should you terminate prior to the closing of your property, all outstanding fees shall be immediately due and you authorize the charge of such fees.
Property Listings.
Property Listings. By signing up for an Account, you will be granted the availability, if you so choose, to list your property for sale on the Website.

Use of Listings. We may display or promote your listing on your behalf on Cribbed owned websites. You grant us a non-exclusive, perpetual, irrevocable, transferable, sub-licensable, royalty-free, worldwide license to host, use, distribute, modify, run, copy, publicly perform, make available, display, translate, and create derivative works of your Listing and any other content, data, or information shared by you or on your behalf or accessed by us including photos and videos. You represent and warrant that you have all necessary rights to grant us the licenses and rights set forth herein.

Listing Content. Even if we host and display your listing, you are solely responsible for the content of your Listing. You must ensure that information set forth in your listing ("Seller Content") is true, accurate and complete at all times, including without limitation the description, required legal disclosures (including those provided by Cribbed) and other advertisement, offer or promotional content. You are solely responsible for setting the price of your home. If we provide guidance regarding general pricing strategies such guidance is informational only and the decision to utilize such guidance is solely yours.

Current Seller Content. You are responsible for keeping your Listing up to date and verifying that Seller Content is accurate.

Signs ordered. When ready, signs are ordered through the Listing Portal. If you are the Seller, it is your responsibility to provide all necessary information for gain access to the property, including providing gate or any other access codes, PINs or passwords, as well as any specific size restrictions/requirements according to HOA, neighborhood, village or other municipality regulations. You shall likewise note any known hazards, sprinkler systems, etc.
Sign Damage. You are responsible for the condition of all signs ordered and delivered that are included with your listing package. These signs are on loan and must be returned when the listing is closed or cancelled. Any signs or posts not returned, excluding additionally purchased signs or sign packages independently mailed to you, are subject to the following fees.
- Sign Post $200
- Sign Post and Sign Panel $250
- Sign Riders (per) $ 25
- Open House Directional Signs with Stakes (Per) $ 35
In order to maximize your experience and efficiency in the use of Cribbed.com, you should direct any non-registered buyer to register at Cribbed.com to enable you to maintain functionality of the process and buyer information.
Local laws, customs and regulations.

It is your responsibility to inform yourself of any state, local or municipality laws, customs or regulations that affect your marketing and transfer of real estate including but not limited to attorney requirements, transfer taxes, utility reading and/or payment, for sale sign regulations, responsibilities to disclose, fair housing laws, etc. Requirements can and will vary state by state, and even from one neighborhood to another. If any of the materials provided by Cribbed are in conflict with local ordinances, you agree that you shall not use them.
Account Deactivation and No Refund Policy.

If you are unhappy with your experience with us, we ask that you contact us and allow us an opportunity to resolve your complaints. Still, if you remain dissatisfied with Cribbed's services, you may deactivate your Account in accordance with the following procedures:

a. Account Deactivation. You may deactivate your Account at any time by contacting us at 833-856-2343 or by emailing [email protected].

b. Listing Cancellation. You may cancel your listing on the Website by clicking "Cancel Listing" in Listing Builder or by contacting us at 833-856-2343 or by emailing [email protected]. If you wish to reinstate your cancelled listing, you may do so subject to a reinstatement fee. Note that if you chose to defer any payment when subscribing, any remaining payment will be immediately due.

c. No Refund. The Company offers no refund for Account Fees or listing cancellations.
No Guarantee. You are not paying for results and we do not guarantee that your home will sell. Factors beyond our control affect the sale of your home and many such factors are determined by you, including listing price, showing conditions, availability for showings, and marketing conditions, to name a few. Similarly, we do not guarantee that you will find a home to purchase. Factors beyond our control also affect the purchase of a home, each of which can be determined by you (e.g., purchase price, financing, contingencies, etc.). As these relevant factors lie within your control, the Company assumes no responsibility for any user actions taken, or not taken, based on Cribbed's services and information offered on the Website. With Cribbed you pay a small flat fee for access to the most professional marketing and owner listed marketing and technology any non-agent or agent can provide.
Platinum Buyers. Platinum Buyer badges are distributed to buyers on good faith that the pre-approval and proof of funds include the same information as what the buyer self-reports on that module. When a buyer makes an offer, the onus is on the seller to verify the funds documentation to their satisfaction.
Prohibited Uses.

a. Prohibited Uses. You agree to use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website in any way that is harmful or exploits, or attempts to harm or exploit, the Company, its service providers, suppliers, partners, stakeholders, employees, or any other user in any. You agree not to use the Website to transmit or advertise promotional material, including but not limited to, any junk mail, chain letter, spam, pyramid schemes, or any other similar solicitation. You agree not to misrepresent any affiliation with, or impersonate or attempt to impersonate, Cribbed, the Company, any Company employee, another user, or any other person or entity or act in any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of date or software to and from the US or other countries).

a. Prohibited Software Uses. You further agree not to disable, overburden, damage, or impair the Website or interfere with any other party's use of the Website; use any robot, spider, or other automatic device process, or means to access the Website for any purpose, including monitoring or copying any Website material; introduce any viruses, Trojan horses, worms, logic bombs, implement any denial-of-service attack, or other material that is malicious or technologically harmful; attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website, or otherwise attempt to interfere with the proper working of the Website in any way.
Interactive Services and User Contributions.
a. Interactive Services. The Website may contain message boards, chatting with buyer/seller capabilities, messaging services, personal web pages or profiles, forums, bulletin boards, algorithm submission pages, and other interactive features (collectively, "Interactive Services") that allow users to post, submit, publish, display, or transmit to other users or other persons (hereinafter, "post") content or materials (collectively, "User Contributions") on or through the Website. These User Contributions must comply with the Content Standards set out in these Terms of Use (see Paragraph 12).

b. Interactive Algorithms. Cribbed may offer its users access to interactive algorithms to aid in reaching their real estate goals. Because the user can choose to utilize these tools or not, and are in control of the inputs, the Company makes no warranty, nor assumes any responsibility, for actions taken or not taken in response to a user's data and chosen category weights applied into the algorithm.

c. Posted User Contributions. Any User Contribution you post to the Website will be considered non-confidential and non-proprietary. By providing any User Contribution on the Website, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose and according to your account settings.

d. User Contributions Representations and Warranties. You represent and warrant that: (1) you own or control all rights in and to your User Contributions and have the right to grant the license granted above to us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns; and (2) all of your User Contributions do and will comply with these Terms of Use. You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and that you have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness. You understand that Cribbed adopts no responsibility for such content including its legality, reliability, accuracy, and appropriateness and is not responsible or liable to any third party for the content or accuracy of any User Contributions posted by you or any other user of the Website.

e. Monitoring and Enforcement; Termination. The Company reserves the right to:
- Take any action with respect to any User Contribution that we deem necessary or appropriate, including removal of or refusing to post any User Contribution, in our sole discretion;
- Disclose your identity or other information about you to any government or law enforcement third-party entity claiming that material posted by you violates their rights, including their intellectual property rights or their right to privacy;
- Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Website; and
- Terminate or suspend your access to all or part of the Website for any or no reason.
Without limiting the foregoing, the Company reserves the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Website. THEREFORE, YOU WAIVE AND HOLD HARMLESS THE COMPANY AND ITS AFFILIATES, LICENSEES, AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY THE COMPANY OR ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY THE COMPANY OR LAW ENFORCEMENT AUTHORITIES. However, we cannot and do not undertake to review all material before it is posted on the Website, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. We assume no liability or responsibility to anyone for performance or nonperformance of the activities described in this Paragraph 8.
Content Standards. These content standards apply to any and all User Contributions and use of Cribbed's Interactive Services.
User Contributions must not:
- Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable;
- Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age;
- Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other property rights of any other person;
- Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws and regulations or that otherwise may be in conflict with these Terms of Use and our "Privacy Policy".
- Deceive, or likely deceive, any person;
- Promote any illegal activity, or advocate, promote, or assist any unlawful act;
- Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person;
- Impersonate any person or misrepresent your identity or affiliation with any person or organization;
- Involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising;
- Give the impression that they emanate from or are endorsed by Cribbed, the Company, or any other person or entity, if this is not the case; and
- Comply with all applicable federal, state, local, and international law and regulations.
- Claim unrightful ownership, or unrightful ability to represent owner, in listing a property for sale.
Reliance on Information Posted. The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
Linked Materials and Third-Party Materials. This Website may include content and resources provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided through Cribbed, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of Cribbed. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

a. Social Media and Linking to the Website. You may link to our homepage or specific blog posts or articles provided you do so in a way that is fair and legal and does not damage Cribbed's reputation or take advantage of it. You are prohibited from establishing a link that suggests any form of association, approval, or endorsement by Cribbed unless given prior, written consent to the contrary. You are additionally prohibited from otherwise taking any action with respect to the materials on the Website that is consistent with any other provisions of these Terms of Use. You agree to cooperate with us in causing any unauthorized framing or linking immediately to stop. We reserve the right to withdraw linking permission without notice. We may disable all or any social media features and any links at any time without notice in our discretion.

b. Third-Party Referrals and Commissions. Cribbed's materials may include recommendations of external real-estate personnel, services, or companies. The Company may receive a fee when any user thereafter contacts personnel, services, or other companies mentioned in Cribbed's materials. Services offered by any of these third-party personnel or companies may be subject to product terms or additional terms of use available on the third-parties' respective websites, networks, mobile applications, or otherwise. the Company assumes no liability and is otherwise not responsible for actions taken with these independent third-parties.
Intellectual Property Rights. The Website and its entire contents, features, and functionality (including but not limited to all information, software, algorithms, text, displays, images, video, audio, and the design, selection, and arrangement thereof) are owned by Cribbed, its licensors, or other providers of such materials and are protected by the United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary laws.

a. Accepted Use. You are permitted to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the materials on our Website except if: temporarily storing copies of such materials in RAM incidental to your accessing and viewing of those materials; automatically cached by your Web browser for enhancement purposes; Cribbed-provided desktop, mobile, or other applications for download so long as you agree to be bound by user license agreements for such applications; or, if we provide social media features with certain content, any such actions allowed and provided therefore.

b. Prohibited Use. You must not: modify copies of any materials from the Website; use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text; delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from the Website; nor access or use any part of the Website or any services or materials available through the Website for any commercial purpose. You agree that all images or photos that you download from Cribbed.com remain the property of Cribbed and that Your use is through a revocable non assignable license from Cribbed.

c. Penalties. If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Website in breach of the Terms of Use or "Privacy Policy", your right to use the Website will terminate immediately and you must return or destroy any copies of the materials you have made. No right, title, or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws. the Company reserves its right to pursue any breach pursuant to these Terms of Use in addition to any rights and damages allowable under applicable law.
Trademark. The name "Cribbed," the term Cribbed, the Company logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the Company's prior written permission. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners. Using such marks without prior written permission is a breach of these Terms of Use, and the Company reserves its right to pursue any breach pursuant to these Terms of Use in addition to any rights and damages allowable under applicable law.
No Warranties. YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE COMPANY PROVIDES WEBSITE CONTENT AND SERVICES ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS, STATUTORY, OR IMPLIED, INCLUDING WITHOUT LIMITATION: (1) WARRANTIES, REPRESENTATIONS, OR FIDUCIARY DUTIES RELATED TO THAT OF A REAL ESTATE AGENT OR BROKER; (2) WARRANTIES OR CONDITIONS OF MERCHANTIBILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TITLE, QUIET ENJOYMENT, NO ENCUMBRANCES, NO LIENS AND NON-INFRINGEMENT; (3) WARRANTIES OR CONDITIONS ARISING THROUGH COURSE OF DEALING OR USAGE OF TRADE. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
Limitation on Liability. TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE. THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
Changes to the Terms of Use, Privacy Policy, and Website Content. We may revise and update these Terms of Use and the "Privacy Policy" from time to time and at the Company's sole discretion. Any and all changes will be immediately effective when posted, and apply to all access and use of the Website thereafter. Your continued use of the Website following the posting of any updated Terms of Use or Privacy Policy means you accept and agree to the changes. You are obligated to check this page from time to time so as to make yourself aware of any changes, as they will be binding upon you. We similarly may update the content on this Website from time to time and in keeping with the real estate market fluctuations, still, material on the Website may be out-of-date at any given time, and we are under no obligation to update such material.
Please note that any changes to the dispute resolution provisions.Governing Law and Jurisdiction will not apply to any disputes for which the parties have actual notice on or before the date any updated Terms of Use or Privacy Policy is posted on the Website.
Indemnification. You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, as well as their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) ("Claims") arising out of or relating to your violation of these Terms of Use or your use of the Website, including, but not limited to, your User Contributions, any use of the Website's content, services, interactive services, and products other than as expressly authorized in these Terms of Use or your use of any information obtained from the Website, or the sale of your property using Cribbed.com.
In addition, you also agree to the following:

Sellers:
- Cribbed is not liable for Claims arising from errors in any Listing including but not limited to the listing address, address, unit number, any pre-populated or seller-populated listing fields, or in the property description. You understand and accept that you have a duty to verify that the Listing Contentis accurate.
- Sellers assume all risks associated with individuals coming into their home, including but not limited to potential buyers, inspectors, contractors, photographers, open house visitors, etc. Any injuries related to nature's elements, stairs, access to obstructions, ladders, swimming pools or other attractive nuisance, or Cribbed-provided materials (such as shoe covers, signs, etc.) to name a few, is the responsibility of the seller.
- You are responsible for compliance with all laws and regulations including but not limited to those related to privacy.
- Cribbed is not liable for damage to your property caused in the virtual staging or in-person staging of the home, or showing of home to potential Buyers.
- If you believe a buyer poses an imminent risk of harm to a person or property, or I you believe you have been a victim of a crime, you should immediately contact local authorities.
- If you believe you are being harassed by a buyer you can block them in the chat feature.
Buyers:
- Buyers assume all physical and emotional risks associated with entering into a Seller's home and Cribbed is not responsible for dangerous conditions nor the views, beliefs, home decorating or personality of a Seller.
- Cribbed does not guarantee the accuracy of all information related to the real estate, regardless of source, including but not limited to square footages and lot sizes, and Buyer shall verify the accuracy of all information provided by Seller through inspection or other appropriate professional.
- Many homes contain recording devices and therefore Buyers should be aware they may be recorded during a showing (including conversations that may occur outside the home within listening distance).
- If you believe a seller poses an imminent risk of harm to a person or your personal property, you should immediately contact local authorities.
- If you feel you are being harassed by a seller you can block them in the chat feature.
Fraud & Scam Awareness. Cribbed shall exercise its best efforts to prevent willful misuse of Cribbed.com. However, you should be aware that third parties may perpetuate fraud or scam. Accordingly, you bear such risk and should be aware of the following basic ways to recognize and avoid fraud.
- Use secure, traceable transactions when making payments anddo not pay a deposit by wire transfer, prepaid money card, gift card, or other non-traditional payment methods, do not make "overpayments" and never enter into "handshake" deals without a written contract. Do not accept any payments of any kind, all payments including earnest money should be paid to, or directed by, the title company � banks will ultimately hold you responsible.
- Do not give out financial or personally identifiable information,including banking and credit card information, your birth date, Social Security/ Social Insurance Numbers, PayPal account, or other private information. All proof of funds should have account number and other personally sensitive information redacted.
- Suspicious communications using poor grammar, spelling, or those who send nonsensical messages are indicators of potential fraudsters. Be wary of parties that are only willing to text/e-mail and those who will never speak on the phone or refuse to meet in person. Generally, these people will claim to be "traveling" and unavailable to talk to or located in a foreign country and unable to speak other than via text or e-mail.
- Deals Too Good to be True are a sign of potential fraud � If the list price of the property is too low or the terms are too generous compared to the market, it's likely a scam.
- Do not be pressured to act immediately � Scammers typically try to make you think a listing is in high-demand to push you into immediate action without consulting family, friends, or financial advisors.
Whom Should I notify about fraud or scam attempts?
- Internet Fraud Complaint Center
- FTC complaint form and gotline: 877-FTC-HELP (877-382-4538)
- Consumer Sentinel/Military (for armed service members and families).
- If you are defrauded by someone you met in person, contact your local police department.
- If you suspect that a listing posted here may be connected to a scam, please send us the details at [email protected].
Governing Law and Jurisdiction. Any dispute or claim arising from matters related to the Website, these Terms of Use, and the "Privacy Policy" (including non-contractual disputes or claims), shall be governed by and construed in accordance with the laws of the State of Illinois without giving effect to any choice or conflict of law provision or rule (whether of the State of Illinois or any other jurisdiction). Any legal suit, action, or proceeding arising out of or related to Website use, these Terms of Use, or the Privacy Policy shall be instituted in the federal courts of the United States located within the State of Illinois or any Illinois State Court specifically located in the City of Chicago and/or the County of Cook. However, the Company exclusively retains the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country. YOU WAIVE ANY AND ALL OBJECTIONS TO THE EXERCISE OF JURISDICTION OVER YOU BY SUCH COURTS AND TO VENUE IN SUCH COURTS.
Arbitration. At the Company's sole discretion, it may elect and require you to submit any disputes arising from the use of these Terms of Use or the Website, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying Illinois law.
Limitation on Time to File Claims. ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE, PRIVACY POLICY, OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED. Waiver and Severability. No waiver by the Company of any term or condition set out in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision. If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.
Geographic Restrictions. We provide this Website for use only by persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws. We may translate these Terms and platform contents into languages other than English for your convenience, but to the extent there are any inconsistencies or conflict between those translations and the English version, the English version will control to the fullest extent permitted under applicable law. Notice to California Residents. If you are a California resident, under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or by telephone at (800) 952-5210 in order to resolve a complaint regarding Cribbed's on-line services or to receive further information regarding use of on-line services.
Notice to Apple Users. If you are using the Website or mobile applications on an iOS device, the terms of this Paragraph 25 apply. You agree that there Terms of Use are between you and the Company only, not with Apple, and Apple is not responsible for the Website or its content and services. Apple has no obligation to furnish any maintenance or support services with respect to the Website. If the Website fails to conform to any applicable warranty, you may notify Apple and Apple will refund any applicable purchase price for the mobile application to you; and, to the maximum extent permitted by applicable law, Apple has no other warranty obligation with respect to the Website. Apple is not responsible for addressing any claim by you or any third party relating to the Website or your possession or use of the Website, including: (a) product liability claims; (b) any claim that the Website fails to conform to any applicable legal or regulatory requirements; and (c) claims arising under consumer protection or similar legislation. Apple is not responsible for the investigation, defense, settlement or discharge of any third-party claim that the Website or your possession and use of the mobile application infringe that third party's intellectual property rights. You agree to comply with any applicable third-party terms when using the Website. Apple and Apple subsidiaries are third-party beneficiaries of Paragraph 25 of these Terms of Use, and upon your acceptance of these Terms of Use, Apple will have the right (and will be deemed to have accepted the right) to enforce this Paragraph 25 of these Terms of Use against you. You hereby represent and warrant that: (i) you are not located in a country that is subject to a U.S. Government embargo, or that is on Title 15, Part 740 Supplement 1, Country Group E of the U.S. Code of Federal regulations; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
Your Comments and Concerns. This Website is operated by the Company, located at 1312 17th St. #1079, Denver Co 80202. All feedback, comments, requests for technical support, and other communications relating to the Website should be directed to: [email protected], 833-856-2343 or mailing to the physical address.
Assignment. Cribbed may assign any of its rights or delegate any of its obligations hereunder to any person or entity at any time without Your consent. You may not assign any of your rights or delegate any of your obligations hereunder to any person or entity without the prior written consent of Cribbed. Subject to the preceding sentence, this Agreement will apply to, be binding in all respects upon, and inure to the benefit of the successors and permitted assigns of the parties. nothing expressed or referred to in this agreement will be construed to give any person other than the parties to this agreement any legal or equitable right, remedy, or claim under or with respect to this agreement or any provision of this agreement, except such rights as will inure to a successor or permitted assignee pursuant to this section.

3.	Heating, Cooling and Ventilation: (check box for each type)	Ground Source Heat Pump	High Efficiency Furnace/Boiler (eg. >= 90% AFUE)
		Tankless/On Demand Water Heater	High Efficiency Water Heater (eg. >=90%, or EF>=.82 for gas)
		Evaporative Cooling	Whole House Fan	Ceiling Fans
		High SEER A/C	Insulation Air Sealing Upgrades Completed
		SEER Rating:	Home Orientation (South Facing Overhangs)

A.	BUILDING CONDITIONS (all aspects of the Property to include decks and patios) If you know of any of the following problemsEVER EXISTING, check the “Yes” column:	Yes	Comments
1	Structural
2	Moisture and/or water
3	Damage due to termites, other insects, birds, animals, or rodents
4	Damage due to hail, wind, fire, flood, or other casualty
5	Cracks, heaving or settling
6	Exterior wall or window
7	Exterior Artificial Stucco (EIFS)
8	Subfloors
9
10

B.	ROOF If you know of any of the following problems EVER EXISTING, check the “Yes” column:	Yes	Comments
1	Roof leak
2	Damage to roof
3	Skylight
4	Gutter or downspout
5	Other roof problems, issues or concerns
6
7
	ROOF - Other Information Do you know of the following on the Property
8	Roof under warranty until Transferable? YES NO
9	Roof work done while under current roof warranty
10	Roof material: Age:
11

C.	APPLIANCES (if included in the sale) If you know of any problems NOW EXISTINGwith the following, check the “Yes” column:	Yes	Age If Known	Comments
1	Built-in vacuum system & accessories
2	Clothes dryer
3	Clothes washer
4	Dishwasher
5	Disposal
6	Freezer
7	Gas grill
8	Hood
9	Microwave oven
10	Oven
11	Range
12	Refrigerator
13	T.V. antenna: Owned Leased
14	Satellite system or DSS dish: Owned Leased
15	Trash compactor
16
17

D.	ELECTRICAL & TELECOMMUNICATIONS If you know of any problems NOW EXISTING with the following, check the “Yes” column:	Yes	Age If Known	Comments
1	Security system: Owned Leased
2	Smoke/fire detectors: Battery Hardwire
3	Carbon Monoxide Alarm: Battery Hardwire
4	Light fixtures
5	Switches & outlets
6	Telecommunications (T1, fiber, cable, satellite)
7	Inside telephone wiring & blocks/jacks
8	Ceiling fans
9	Garage door opener and remote control # of remote/openers:
10	Intercom/doorbell
11	In-wall speakers
12
13
	ELECTRICAL & TELECOMMUNICATIONSIf you know of any problems EVER EXISTINGwith the following, check the “Yes” column:
14	Electrical Service
15	Aluminum wiring at the outlets (110)
16	Solar panels: Owned Leased
17	Wind generators: Owned Leased
18	Electric Wiring or Panel
19
20
	ELECTRICAL & TELECOMMUNICATIONS - Other Information: Do you know of the following on the Property:
21	220 volt service
22	Electrical Service: Amps
23	Landscape lighting
24	Electric Provider:
25	Cable/TV provider
26	Seller’s Internet Provider
27

Important Mortgage Terms Every Home Buyer Should Know

Heidi Laros

Getting Started: Basic Mortgage Terms

Types of Mortgages

Mortgage Payments and Fees

Understanding Loan Terms

Tips for Success

Contact Us

ADDITIONAL INFORMATION

THIS FORM HAS IMPORTANT LEGAL CONSEQUENCES AND THE PARTIES SHOULD CONSULT LEGAL AND TAX OR OTHER COUNSEL BEFORE SIGNING.

GREEN DISCLOSURE
(Energy)

THIS DISCLOSURE SHOULD BE COMPLETED BY SELLER, NOT BY BROKER.

Sign installation issues within 7-days - $0

Sign has fallen down and just needs uprighting - $0

Sign Panel Missing/Damaged - $55

Sign Panel AND Post Missing/Damaged - $199

Service Fee - $30

E.	MECHANICAL If you know of any problems NOW EXISTINGwith the following, check the “Yes” column:	Yes	Age If Known	Comments
1	Overhead doors (including garage doors)
2	Entry gate system
3	Elevator

4	Sump pump(s): # of
5	Recycle pump
6
7

F.	VENTILATION, AIR & HEAT If you know of any problems NOW EXISTINGwith the following, check the “Yes” column:	Yes	Age If Known	Comments
1	Heating system
2	Evaporative cooler
3	Window air conditioning units
4	Central air conditioningr
5	Attic/whole house fan
6	Vent fans
7	Humidifier
8	Air purifier
9	Fireplace
10	Fireplace insert
11	Heating Stove
12	Fuel tanks
13
14
	VENTILATION, AIR & HEAT - Other Information: Do you know of the following on the Property:
15	Heating system (including furnace): Type Fuel Type Fuel
16	Fireplace: Type Fuel
17	Heating Stove: Type Fuel
18	When was fireplace/wood stove, chimney/flue last cleaned: Date: Do not know
19	Fuel tanks: Owned Leased
20	Radiant heating system: Interior Exterior Type
21	Fuel Provider:
22

G.	WATER If you know of any problems NOW EXISTINGwith the following, check the “Yes” column:	Yes	Age If Known	Comments
1	Water heater(s)
2	Water filter system
3	Water softener
4	Water system pump
5	Sauna
6	Hot tub or spa
7	Steam room/shower
8	Underground sprinkler system
9	Fire sprinkler system
10	Backflow prevention device
11	Irrigation pump
12
13
	WATER If you know of any problems EVER EXISTINGwith the following, check the “Yes” column:
14	Water system (including lines and water pressure)
15	Well
16	Pool
17	Irrigation system
18
19
	WATER - Other Information: Do you know of the following on the Property:
20	Water heater: Number of Fuel type Capacity
21	Water filter system: Owned Leased
22	Water softener: Owned Leased
23	Master Water Shutoff Location:
24	Well metered
25	Well Pump: Date of last inspection Date of last service
26	Galvanized pipe
27	Polybutylene pipe
28	Well Pump - GPM Date:
29	Cistern water storage gallons
30	Supplemental water purchased in past 2 years?
31

I.	SEWER If you know of any problems EVER EXISTING with the following, check the “Yes” column:	Yes	Comments
1	Sewage system (including sewer lines)
2	Lift station (sewage ejector pump)
3
4
	SEWER - Other Information: Do you know of the following on the Property:
5	Type of sanitary sewer service: Public Community Septic System None Other If the Property is served by an on-site septic system, provide buyer with a copy of the permit. Type of septic system: Tank Leach Lagoon
6	Sewer service provider:
7	Sewer line scoped? Date:
8	If a septic system, date latest Individual Use Permit issued:
9	If a septic system, date of latest inspection:
10	If a septic system, date of latest pumping:
11	Gray water storage/use
12

J.	FLOODING AND DRAINAGE If you know of any problems EVER EXISTING with the following on the Property, check the “Yes” column:	Yes	Comments
1	Flooding or drainage
2
3
	DRAINAGE AND RETENTION PONDS - Other Information Do you know of the following on the Property:
4	Drainage, retention ponds
5

K.	OTHER DISCLOSURES - IMPROVEMENTSIf you know of any problems NOW EXISTINGG with the following, check the “Yes” column:	Yes	Comments
1	Included fixtures and equipment
2	Stains on carpet
3	Floors
4
5

L.	USE, ZONING & LEGAL ISSUES If you know of any of the following EVER EXISTING,check the “Yes” column:	Yes	Comments
1	Zoning violation, variance, conditional use, violation of an enforceable PUD, or non-conforming use
2	Notice or threat of condemnation proceedings
3	Notice of any adverse conditions from any governmental or quasi-governmental agency that have not been resolved
4	Notice of zoning action related to the Property
5	Building code, city, or county violations
6	Violation of restrictive covenants or owners’ association rules or regulations
7	Any building or improvements constructed within the past one year before this Date without approval by the owner’s association or its designated approving body
8	Any additions or alterations made with a Building Permit
9	Any additions or non-aesthetic alterations made without a Building Permit
10	Other legal action
11	Any part of the Property leased to others (written or oral)
12	Used for short-term rentals in the past year
13	Grandfathered conditions or uses
14
15

M.	ACCESS & PARKING If you know of any of the following EVER EXISTINGcheck, the “Yes” column:	Yes	Comments
1	Any access problems, issues or concerns
2	Roads, trails, paths, or driveways through the Property used by others
3	Public highway or county road bordering the Property
4	Any proposed or existing transportation project that affects or is expected to affect the Property
5	Encroachments, boundary disputes, or unrecorded easements
6	Shared or common areas with adjoining properties
7	Requirements for curb, gravel/paving, landscaping
8	Any limitations on parking or access due to size, number of vehicles, or type of vehicles in the past year
9
10

N.	ENVIRONMENTAL CONDITIONS If you know of any of the following EVER EXISTINGon any part of the Property, check the “Yes” column:	Yes	Comments
1	Hazardous materials on the Property, such as radioactive, toxic, or biohazardous materials, asbestos, pesticides, herbicides, wastewater sludge methane, mill tailings, solvents, or petroleum products
2	Underground storage tanks
3	Aboveground storage tanks
4	Underground transmission lines
5	Property used as, situated on, or adjoining a dump, landfill or municipal solid waste landfill
6	Monitoring wells or test equipment
7	Sliding, settling, upheaval, movement or instability of earth, or expansive soils on the Property
8	Mine shafts, tunnels, or abandoned wells on the roperty
9	Within a governmentally designated geological hazard or sensitive area
10	Within a governmentally designated floodplain or wetland area
11	Dead, diseased, or infested trees or shrubs
12	Environmental assessments, studies, or reports done involving the physical condition of the Property
13	Used for any mining, graveling, or other natural resource extraction operations such as oil and gas wells
14	Smoking inside improvements (including garages, unfinished space, or detached buildings) on Property
15	Animals kept in the residence
16	Other environmental problems, issues or concerns
17	Odors
18
19

O.	RADON If you know of any of the following EVER EXISTING,check the “Yes” column:	Yes	Comments
1	Radon test(s) conducted on the Property. Include the most recent records and reports pertaining to radon concentrations within the Property.
2	Radon concentrations detected or mitigation or remediation performed. Provide a full description.
3	Radon mitigation system installed on Property. Provide all information known by Seller about the radon mitigation system.
4
5

P.	COMMON INTEREST COMMUNITY - ASSOCIATION PROPERTY If you know of any of the following NOW EXISTING,check the “Yes” column:	Yes	Comments
1	Property is part of an owners’ association
2	Special assessments or increases in regular assessments approved by owners’ association but not yet implemented
3	Problems or defects in the Common Elements or Limited Common Elements of the Association Property
	COMMON INTEREST COMMUNITY - ASSOCIATION PROPERTY If you know of any of the following EVER EXISTED,check the “Yes” column:
4	Has the Association made demand or commenced a lawsuit against a builder or contractor alleging defective onstruction of improvements of the Association Property (common area or property owned or controlled by the Association but outside the Seller’s Property or unit)
5
6
7	Owner’s Association #1:
8	Owner’s Association #2:
9	Owner’s Association #3:
10	Owner’s Association #4:

Q.	GENERAL DISCLOSURES If you know of any of the following EVER EXISTING,check the “Yes” column:	Yes	Comments
1	Written reports of any building, site, roofing, soils, water, sewer, or engineering investigations or studies of the Property
2	Any property insurance claim submitted (whether paid or not)
3	Structural, architectural, and engineering plans and/or specifications for any existing improvements
4	Property was previously used as a methamphetamine laboratory and not remediated to state standards
5	Government special improvements approved, but not yet installed, that may become a lien against the Property
6	Pending: (1) litigation or (2) other dispute resolution proceeding regarding the Property
7	Property is subject to Deed Restrictions, other recorded document restrictions, or Affordable Housing Restrictions
8	Property is located in a historic district
9
10
	GENERAL - Other Information:
11	Location of Mailbox and No.
12

Offer Price	$450,000
Earnest Money/Deposit	$250,000
Lender Name	Company Name
% Financing	70%
Type of Loan	Loan Name

Mortgage Company	Mortgage Name
Closing Credit	$0
Interest Rate	2%
Pre Approved Letter?	Pre Approval Letter:pdf
Closing Date	12/10/2021

Blank Standard Purchase Contract This is a lawyer-written contract usable in all states. Until you have reached agreeable terms, it’s informational for your review. Once you and your buyer have reached agreeable terms, this will auto-populate with those terms.
Chris Miller Purchase Contract
Blank Home Sale Contingency Addendum
Upload Your Blank Contract Upload Additional Contracts If you would like to use a different contract, upload here. Buyers for your property will see this instead of the standard contract. Uploaded contracts will not auto-populate with terms, and should be re-uploaded when filled out so it can be signed with disclosures in Docusign.

Sign posts	$200
Sign post and panel	$250
Sign riders	$25
Open house directional sign/stake	$35

Important Mortgage Terms Every Home Buyer Should Know

Heidi Laros

Getting Started: Basic Mortgage Terms

Types of Mortgages

Mortgage Payments and Fees

Understanding Loan Terms

Tips for Success

Contact Us

ADDITIONAL INFORMATION

Included in Sale

Exclusions