I have been pregnant for 18 months--well, paper pregnant that is. For those of us adopting, you know what I mean. While completing the paperwork that makes this beautiful process possible was at times frustrating, at least running back and forth to the notary public kept me busy and provided a feeling that I was still somewhat in control. But once all the paperwork was successfully navigated and back into the agency's hands--I stepped back, took a deep breath and realized all that was left to do is wait. Now you'd think that would be the easy part, but for myself and many other adoptive parents, the waiting and uncertainty of when you will meet your child for the first time can border on unbearable.



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Mortgage Default Insurance. This insurance is required on mortgage loans exceeding the seventy-five percent of the appraised property value. This serves to ensure that the lender will not lose money in the event that you cannot pay your mortgage and your property is not sufficient to pay the mortgage.

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900. Items Required by Lender to Be Paid in Advance: You may be required to prepay certain items at the time of settlement, such as accrued interest, mortgage insurance premiums and hazard insurance premiums.

A quit claim deed is a valid option for giving up property interest. But since transfer of title or ownership rights is not guaranteed by this document, it is best accompanied by a warranty deed.