For Home Buyer & Seller

Product & Service

Title Insurance Calculator – PA/NJ

Your Information

Title Insurance Premium: $0.00

Click the "Calculate" button when you are ready to get your title insurance estimate.
Trademark

Title Insurance Quote

Your Information

Title Insurance Premium: $0.00

Click on the "Get Quick Quote" button and we will instantly email you a complete title insurance quote.
Trademark

Order Title

All fields marked with * are required unless stated otherwise. Please fill out the form as completely as possible and upload all necessary supporting documents.

Property Information

Borrower & Co-borrower's Information

Lender's Information

Previous Lender

Upload Documents *

Please upload the following document(s):

Refinance:
1) Latest mortgage statement
2) Loan estimate

* Please ensure that your documents are named appropriately and in PDF/Word Document/Excel format.
Drag file here or click to start upload.

Other Notes

Click the "Submit Order" button to complete this order—we will review your order and be in contact with you within 24 Hours. If you need immediate assistance regarding your order please contact us.

Property Information

Buyer's Information

Seller's Information

Lender's Information

Realtor's Information

Upload Documents *

Please upload the following document(s):

Purchase:
1) Agreement of Sale (AOS)

* Please ensure that your documents are named appropriately and in PDF/Word Document/Excel format.
Drag file here or click to start upload.

Other Notes

Click the "Submit Order" button to complete this order—we will review your order and be in contact with you within 24 Hours. If you need immediate assistance regarding your order please contact us.

Property Information

Owner's Information

Buyer's Information

Other Notes

Click the "Submit Order" button to complete this order—we will review your order and be in contact with you within 24 Hours. If you need immediate assistance regarding your order please contact us.

Property Information

Owner's Information

Upload Documents *

Please upload the following document(s):

1) List of properties (if for multiple properties)

* Please ensure that your documents are named appropriately and in PDF/Word Document/Excel format.
Drag file here or click to start upload.

Other Notes

Click the "Submit Order" button to complete this order—we will review your order and be in contact with you within 24 Hours. If you need immediate assistance regarding your order please contact us.



Contact Us

Leave a message

Your Name (required)

Your Email (required)

Your Phone Number (required)

Your Message

General Information

Call: 1-844-365-9898

General information inquiries:
info@jaabstract.com

Order status and title support:
orders@jaabstract.com

Post Closing/Letters of Indemnity:
postclosing@jaabstract.com

Our Locations

Buck County Office

1021 Mill Creek Drive, Suite 1
Feasterville Trevose, PA 19053
Phone: 215-383-5454
Fax: 215-853-3119

Downtown Philadelphia Office

2136 South 16th Street
Philadelphia, PA 19145
Phone: 215-383-5444
Fax: 215-853-3119

Home Buyer and Seller

If you are selling or purchasing a property, your Attorney, Lender or Realtor may recommend their title company, however it is your Right to Choose your own Title Insurance Company. We recommended you shop around and find the best fit for you.

The experience and dedication of our professionals assure you of an expert title search and examination and an accurate and timely closing. J&A Abstract is a leader in combating fraud to help protect you against those who misrepresent themselves or the property.

    Services we offer:
  • Owner’s Title Insurance
  • Deed Transfers
  • Lender’s Title Insurance
  • In-house Attorney Review
  • Title Searches
  • Escrow Disbursement
  • Judgment and Lien Searches
  • Recording Services
  • Bringdown Searches
  • Power of Attorney Preparation
  • Property Title Searches
  • 1031 Tax Deferred Exchange
  • Conveyancing Services
  • Record Owner Searches
  • After-hour Closings
  • Subordination Preparation
  • Release Preparation

J&A Abstract thanks you for your interest and welcomes the opportunity to serve your real estate needs. If you have any questions about the material on this website, please contact us for more information. Thank you!

Mortgage Calculator

Monthly Payment Calculator



Mortgage Calculator Help

Using an online mortgage calculator can help you quickly and accurately predict your monthly mortgage payment with just a few pieces of information. It can also show you the total amount of interest you'll pay over the life of your mortgage. To use this calculator, you'll need the following information:

Home price
The dollar amount you expect to pay for a home.

Down payment
The down payment is money you give to the home's seller. At least 20% down typically lets you avoid mortgage insurance.

Mortgage Amount
If you're getting a mortgage to buy a new home, you can find this number by subtracting your down payment from the home's price. If you're refinancing, this number will be the outstanding balance on your mortgage.

Mortgage Term (Years)
This is the length of the mortgage you're considering. For example, if you're buying new, you may choose a mortgage loan that lasts 30 years. On the other hand, a homeowner who is refinancing may opt of a loan that lasts 15 years.

Interest Rate
Estimate the interest rate on a new mortgage by checking J&A Abstract's mortgage rate tables for your area. Once you have a projected rate (your real-life rate may be different depending on your overall credit picture) you can plug it into the calculator.

Mortgage Start Date
Select the month, day and year when your mortgage payments will start.





Mortgage Calculator: Alternative Use

Most people use a mortgage calculator to estimate the payment on a new mortgage, but it can be used for other purposes, too. Here are some other uses:

1. Planning to pay off your mortgage early.
Use the "Extra payments" functionality of J&A Abstract's mortgage calculator to find out how you can shorten your term and net big savings by paying extra money toward your loan's principal each month, every year or even just one time.

To calculate the savings, click "Show Amortization Schedule" and enter a hypothetical amount into one of the payment categories (monthly, yearly or one-time) and then click "Apply Extra Payments" to see how much interest you'll end up paying and your new payoff date.

2. Decide if an ARM is worth the risk.
The lower initial interest rate of an adjustable-rate mortgage, or ARM, can be tempting. But while an ARM may be appropriate for some borrowers, others may find that the lower initial interest rate won't cut their monthly payments as much as they think.

To get an idea of how much you'll really save initially, try entering the ARM interest rate into the mortgage calculator, leaving the term as 30 years. Then, compare those payments to the payments you get when you enter the rate for a conventional 30-year fixed mortgage. Doing so may confirm your initial hopes about the benefits of an ARM -- or give you a reality check about whether the potential plusses of an ARM really outweigh the risks.

3. Find out when to get rid of private mortgage insurance.
You can use the mortgage calculator to determine when you'll have 20 percent equity in your home. This percentage is the magic number for requesting that a lender wave private mortgage insurance requirement.

Simply enter in the original amount of your mortgage and the date you closed, and click "Show Amortization Schedule." Then, multiply your original mortgage amount by 0.8 and match the result to the closest number on the far-right column of the amortization table to find out when you'll reach 20 percent equity.

Home Inspection Checklist

Property Address:___________________________________________
Date:______________________

S - scratched, D - damaged, B - broken, R - repair/replace, W - Water Damage, L – Leaking

Exterior BAD OK GOOD NOTES
Back Doors
Deck, porch, patio
Doorbell
Driveway
Front Doors
Garage Doors
Garbage receptacle
House number
Mailbox
Outdoor lights Garage
Paint and trim
Parking
Recycling receptacle
Sidewalk lights
Siding (brick/stone/cement)
Traffic noise
Windows


ROOF BAD OK GOOD NOTES
Back Doors
Deck, porch, patio
Doorbell
Driveway
Front Doors
Garage Doors
Garbage receptacle
House number
Chimney
Gutters and downspouts
Soffits and fascia


GARAGE BAD OK GOOD NOTES
Ceiling
Doors
Floors
Lights
Storage
Walls
Windows


YARD BAD OK GOOD NOTES
Drainage
Fences and gates
Retaining wall
Shed
Sprinklers
Swimming pool
Windows


FIREPLACE BAD OK GOOD NOTES
Blockages
Carbon Monoxid Detector
Mantle
Soot
Tiles


BATHROOMS BAD OK GOOD NOTES
Baseboards
Cabinets, shelves & drawers
Ceiling
Counter
Doors
Floors
FCI outlet
Lights
Mirror
Outlets and switches
Sink
Toilet
Towel hook
Trim
Tub and shower
Walls
Window


BEDROOMS BAD OK GOOD NOTES
Baseboards
Ceiling
Closet
Doors
Floors
Lights
Outlets and switches
Trim
Walls
Window


DINING ROOM BAD OK GOOD NOTES
Baseboards
Ceiling
Floors
Lights
Outlet and switches
Trim
Walls
Windows
Chimney


LIVING ROOM BAD OK GOOD NOTES
Baseboards
Ceiling
Floors
Lights
Outlet and switches
Trim
Walls
Windows
Chimney


KITCHEN BAD OK GOOD NOTES
Baseboards
Cabinets and drawers
Ceiling
Counter
Dishwasher
Floors
Garbage Disposal
GFCI outlet
Lights
Outlets and switches
Oven
Refrigerator
Sink
Smoke Detectors
Stove
Trim
Walls
Windows


DEN BAD OK GOOD NOTES
Baseboards
Ceiling
Ceiling fan
Doors
Floors
Lights
Outlets and switches
Trim
Walls
Windows


ATTIC BAD OK GOOD NOTES
Insulation
Ladder
Ventilation


BASEMENT BAD OK GOOD NOTES
Baseboards
Ceiling
Doors
Floors
Foundation
Lights
Outlets and switches
Stairs
Storage
Sump Pump
Trim
Walls
Washer and Dryer
Windows


HALLWAYS BAD OK GOOD NOTES
Baseboards
Ceiling
Closets
Floors
Lights
Outlets and switches
Skylights
Trim
Walls


STAIRS BAD OK GOOD NOTES
Floors
Landing
Lights
Railing
Treads
Windows


UTILITIES BAD OK GOOD NOTES
Air conditioning
Circuit breakers
Drainage
Furnace
Hot water heater
Main electrical panel
Water pressure


OTHER BAD OK GOOD NOTES
Asbestos
Odor

Service Transfer List

PA/NJ SERVICES TRANSFER CHECKLIST

Name Phone Website Date Connected Date Disconnected Note
Gas
Electricity
Water
Telephone
Alarm Service
Internet, Cable
Lawn Service
Cleaning Service

5 Things Not to Do During Closing Process

1 Change Your Marital Status:

How you hold your title is affected by your marital status. Be sure to make both your lender and your title company aware of your of any changes in your marital status, so that the documents can prepared correctly.
2 Change Jobs:

Job changes may result in your loan being denied, particularly if you are taking a lower paying position or moving into a different field. Pre-Apporval letter does not guarantee you a loan.
3 Make any large purchases:

A major purchase that requires withdraw from your verified fund or increases your debt, can result bank denying your loan. A lender may check your credit or re-verify funds at the last minute. So avoid purchases that could impact your loan approval.
4 Paying off existing accounts, unless lender request it:

Unless lender tells you to payoff certain accounts before closing, leave the accounts as they are until escrow closes.
5 Switch Banks or Move your money to another institution.

After the lender has verified all of our funds, the money should remain in those institutions until needed for the purchase.

Steps to Closing

Obtain Pre-Approval from the lender.
Sign AOS (Agreement of Sale) and get the final back signed by all parties involved.
Call the Lender and send them signed AOS.
Order Title Search.
Give your Lender Title Company information.
Prepare funds for closing.
Get Home Inspection.
Get Termite Inspection, Chimney, Radon Inspection(if applicable).
Final Walkthrough.
Settlement Day/ Signing paperwork.
Get keys and move in to your NEW HOME.

Buyers Checklist

Obtain a bank or cashier’s check payable to J&A Abstract, or arrange for a wire transfer to the title company.
Government issued Photo Identification will be required at settlement for all parties, along with a secondary form of Identification. It must be valid (not expired) at the time of closing. Examples, Driver’s License, State ID, Passport, Naturalization Certificate, Green Card.
Make arrangements with your agent for a “Pre-settlement walk through”.
Bring an Original Power of Attorney or Death Certificates (if applicable).
Provide your lender with a copy of your homeowner’s insurance policy and the bill or paid receipt PRIOR TO THE SETTLEMENT. Bring the original to settlement. Be sure that the policy names your mortgage company as the loss payee.
Contact your lender to review any outstanding conditions of loan approval.
Contact Utility Companies to have utilities put in your name.

PECO Energy: 800-494-4000 or www.peco.com (most common) PP&L: 800-342-5775 or www.pplelectric.com (some Bucks-Mont. Co. areas)

Philadelphia Gas Works or PGW 215-235-1000.

Cavalier- 800-683-3944 or www.cavtel.com
Comcast- 800-266-2278 or www.comcast.com
Verizon- 800-660-2215 or www.verizon.com
Vonage- 866-243-4357 or www.vonage.com

Contact the Township regarding the water, sewer and trash removal.

Aqua America- 877-987-2782 or www.aquaamerica.com
Pennsylvania American Water Company- 800-565-7292 or
www.amwater.com/paaw/

If this is a Condominium or Homeowner’s Association and you are in possession of the 3407 or 5407 Resale Certificate, please bring it to the settlement.
Your movers will not have access to the house until settlement is completed.
Contact the Postal Service to change your address.

TAKE READINGS:

Water
Sewer
PGW*Philadelphia county only
Eletric

Tips for Selling Home

Clean the house and remove all clutter.
Fresh paint in neutral colors will make a great impression.
Clean and wax hardwood floors.
Shampoo Carpets.
Remove extra furniture, old rugs, unused items.
Repair broken knobs, leaking taps, toilets, cracked walls or moldings.
Doorbell must be in a good condition.
Rearrange furniture to create spacious look.
Tidy storage and work areas.
Open all drapes and turn all lights.
Make sure the temperature inside is comfortable.
Clean the patio and deck.
Get the landscape done professionally.
Hide all signs of pets and move pets before showings.
Details are the key in listing the property!

Closing Costs

Closing Costs: Who Pays and When
Name Conv Loan Cash FHA VA When Paid
Down payment Buyer Buyer Buyer Buyer At Closing
Termite Inspection Buyer Buyer Buyer Buyer Before Closing
Termite Treatment Seller Seller Seller Seller Before or At Closing
Home Inspection Buyer Buyer Buyer Buyer Before or At Closing
Property Repairs Seller Seller Seller Seller Before Closing
Loan Origination Buyer N/A Buyer Buyer At Closing
Discount Points Buyer N/A Buyer Buyer At Closing
Title Doc Preparation Fee Seller Seller Seller Seller At Closing
Credit Report Buyer N/A Buyer Buyer Before Closing
Appraisal Buyer N/A Buyer Buyer Before Closing
Tax Escrows (aka Impounds) Buyer N/A Buyer Buyer At Closing
Tax Certification Seller Seller Seller Seller At Closing
Homeowners Ins. Impounds Buyer N/A Buyer Buyer At Closing
Tax/HOA Prorations Buyer/ Seller Buyer/ Seller Buyer/ Seller Buyer/ Seller At Closing
Prepaid Interest Buyer N/A Buyer Buyer At Closing
FHA, MIP, PMI Premiums Buyer N/A Buyer Buyer At Closing
VA Funding Fee Buyer N/A Buyer Buyer At Closing
Existing Loan Payoff Seller Seller Seller Seller At Closing
Existing Loan Payoff Demand Seller Seller Seller Seller At Closing
Existing Loan Prepayment Penalty Seller Seller Seller Seller At Closing
HOA/Condo Docs Seller Seller Seller Seller At Closing
Current HOA Payment Seller Seller Seller Seller Before or At Closing
HOA Contribution Fee Buyer Buyer Buyer Buyer At Closing
Home Warranty Premium Seller Seller Seller Seller At Closing
Realtor's Commissions Seller Seller Seller Seller At Closing
Owner's Title Policy Buyer Buyer Buyer Buyer At Closing
Lender's Title Policy Buyer N/A Buyer Buyer At Closing
Endorsements Buyer N/A Buyer Buyer At Closing
CPL or CSL (Closing Protection Letter Buyer N/A Buyer Buyer At Closing
Notary Fee Buyer/ Seller Buyer/ Seller Buyer/ Seller Buyer/ Seller At Closing
Recording Fee Buyer/ Seller Buyer/ Seller Buyer/ Seller Buyer/ Seller At Closing
Satisfaction/Release Fee Seller Seller Seller Seller At Closing
U&O or Certificate of Occupancy Seller Seller Seller Seller At Closing
Courier Fee Buyer/ Seller Buyer/ Seller Buyer/ Seller Buyer/ Seller At Closing
Wire Fee Buyer/ Seller Buyer/ Seller Buyer/ Seller Buyer/ Seller At Closing
Utility Certification Fees Seller Seller Seller Seller At Closing

Steps to Closing

Obtain Pre-Approval from the lender.
Sign AOS (Agreement of Sale) and get the final back signed by all parties involved.
Call the Lender and send them signed AOS.
Order Title Search.
Give your Lender Title Company information.
Prepare funds for closing.
Get Home Inspection.
Get Termite Inspection, Chimney, Radon Inspection(if applicable).
Final Walkthrough.
Settlement Day/ Signing paperwork.
Get keys and move in to your NEW HOME.

Seller's Checklist

Government issued Photo Identification will be required at settlement for all parties, along with a secondary form of Identification. It must be valid (not expired) at the time of closing. Examples, Driver’s License, State ID, Passport, Naturalization Certificate, Green Card.
Bring an Original Power of Attorney or Death Certificates (if applicable).
Bring most bills (tax/water/gas/sewer).
Contact your homeowner’s insurance policy and them know you are selling your home and provide forwarding mailing address.
Contact Utility Companies to disconnect services.

PECO Energy: 800-494-4000 or www.peco.com (most common) PP&L: 800-342-5775 or www.pplelectric.com (some Bucks-Mont. Co. areas)

Philadelphia Gas Works or PGW 215-235-1000.

Cavalier- 800-683-3944 or www.cavtel.com
Comcast- 800-266-2278 or www.comcast.com
Verizon- 800-660-2215 or www.verizon.com
Vonage- 866-243-4357 or www.vonage.com

Contact the Township regarding the water, sewer and trash removal.

Aqua America- 877-987-2782 or www.aquaamerica.com
Pennsylvania American Water Company- 800-565-7292 or
www.amwater.com/paaw/

If this is a Condominium or Homeowner’s Association and you are in possession of the 3407 or 5407 Resale Certificate, please bring it to the settlement.
Your movers will not have access to the house until settlement is completed.
Contact the Postal Service to change your address.

TAKE READINGS:

Water
Sewer
PGW*Philadelphia county only
Eletric