Handling Residential Real Estate Transactions in Massachusetts

Table of Contents

Chapter 01 - Overview of the Attorney’s Role
Keira F. Gibson, Esq.,
Kajko, Weisman & Colasanti LLP
Richard Keshian, Esq.,
Kajko, Weisman & Colasanti LLP
Checklist 1.1 - Purchase and Sale Conference Checklist for Representing Seller
Checklist 1.1 - Purchase and Sale Conference Checklist for Representing Seller
Checklist 1.2 - Buyer’s Checklist for Purchase and Sale Agreement
Checklist 1.2 - Buyer’s Checklist for Purchase and Sale Agreement
Checklist 1.3 - Buyer’s Condominium Checklist (Supplement to Buyer’s Checklist for Purchase and Sale Agreement)
Checklist 1.3 - Buyer’s Condominium Checklist (Supplement to Buyer’s Checklist for Purchase and Sale
Agreement)
Checklist 1.4 - Checklist of Typical Contents of Initial Letter to Seller Client
Checklist 1.4 - Checklist of Typical Contents of Initial Letter to Seller Client
Checklist 1.5 - Checklist of Typical Contents of Initial Letter to Buyer Client
Checklist 1.5 - Checklist of Typical Contents of Initial Letter to Buyer Client

Chapter 1 - Overview of the Attorney’s Role
Keira F. Gibson, Esq.,
Kajko, Weisman & Colasanti LLP
Richard Keshian, Esq.,
Kajko, Weisman & Colasanti LLP
Checklist 1.1 - Purchase and Sale Conference Checklist for Representing Seller
Checklist 1.1 - Purchase and Sale Conference Checklist for Representing Seller
Checklist 1.2 - Buyer’s Checklist for Purchase and Sale Agreement
Checklist 1.2 - Buyer’s Checklist for Purchase and Sale Agreement
Checklist 1.3 - Buyer’s Condominium Checklist (Supplement to Buyer’s Checklist for Purchase and Sale
Agreement)
Checklist 1.3 - Buyer’s Condominium Checklist (Supplement to Buyer’s Checklist for Purchase and Sale Agreement)
Checklist 1.4 - Checklist of Typical Contents of Initial Letter to Seller Client
Checklist 1.4 - Checklist of Typical Contents of Initial Letter to Seller Client
Checklist 1.5 - Checklist of Typical Contents of Initial Letter to Buyer Client
Checklist 1.5 - Checklist of Typical Contents of Initial Letter to Buyer Client

Chapter 02 - The Contracts: The Offer to Purchase and the Purchase and Sale Agreement
Steven L. Mangold, Esq.,
Hemenway & Barnes LLP
Exhibit 2A - Property Transfer Lead Paint Notification and Property Transfer Notification Certification
Exhibit 2A - Property Transfer Lead Paint Notification and Property Transfer Notification Certification
Exhibit 2B - GBREB Form: Offer to Purchase Contingency Addendum
Exhibit 2B - GBREB Form: Offer to Purchase Contingency Addendum
Exhibit 2C - REBA Form 9A: Lead Paint Rider for Residential Property Constructed Prior to 1978
Exhibit 2C - REBA Form 9A: Lead Paint Rider for Residential Property Constructed Prior to 1978
Exhibit 2D - Tenant Lead Law Notification and Tenant Certification Form
Exhibit 2D - Tenant Lead Law Notification and Tenant Certification Form
Exhibit 2E - GBREB Form: Offer to Purchase Real Estate
Exhibit 2E - GBREB Form: Offer to Purchase Real Estate
Exhibit 2F - REBA Form 9: Offer to Purchase Real Estate
Exhibit 2F - REBA Form 9: Offer to Purchase Real Estate
Exhibit 2G - Sample Purchase and Sale Agreements
Exhibit 2G - Sample Purchase and Sale Agreements
Exhibit 2H - REBA Ethical Standard No. 1: Consideration Recited in Deeds
Exhibit 2H - REBA Ethical Standard No. 1: Consideration Recited in Deeds
Exhibit 2I - REBA Practice Standard No. 19: Home Equity Loan Discharges
Exhibit 2I - REBA Practice Standard No. 19: Home Equity Loan Discharges
Exhibit 2J - REBA Practice Standards Nos. 1, 5, and 7 (Adjustments)
Exhibit 2J - REBA Practice Standards Nos. 1, 5, and 7 (Adjustments)
Exhibit 2K - REBA Form 66: Sample Rider Provisions to Residential Purchase and Sale Agreement for Single
Family, 1-4 Family, and Condominium Units
Exhibit 2K - REBA Form 66: Sample Rider Provisions to Residential Purchase and Sale Agreement for Single Family, 1-4 Family, and Condominium Units
Exhibit 2L - Sample Use and Occupancy Agreement (Buyer)
Exhibit 2L - Sample Use and Occupancy Agreement (Buyer)
Exhibit 2M - Sample Use and Occupancy Agreement (Seller)
Exhibit 2M - Sample Use and Occupancy Agreement (Seller)

Chapter 2 - The Contracts: The Offer to Purchase and the Purchase and Sale Agreement
Steven L. Mangold, Esq.,
Hemenway & Barnes LLP
Exhibit 2A - Property Transfer Lead Paint Notification and Property Transfer Notification Certification
Exhibit 2A - Property Transfer Lead Paint Notification and Property Transfer Notification Certification
Exhibit 2B - GBREB Form: Offer to Purchase Contingency Addendum
Exhibit 2B - GBREB Form: Offer to Purchase Contingency Addendum
Exhibit 2C - REBA Form 9A: Lead Paint Rider for Residential Property Constructed Prior to 1978
Exhibit 2C - REBA Form 9A: Lead Paint Rider for Residential Property Constructed Prior to 1978
Exhibit 2D - Tenant Lead Law Notification and Tenant Certification Form
Exhibit 2D - Tenant Lead Law Notification and Tenant Certification Form
Exhibit 2E - GBREB Form: Offer to Purchase Real Estate
Exhibit 2E - GBREB Form: Offer to Purchase Real Estate
Exhibit 2F - REBA Form 9: Offer to Purchase Real Estate
Exhibit 2F - REBA Form 9: Offer to Purchase Real Estate
Exhibit 2G - Sample Purchase and Sale Agreements
Exhibit 2G - Sample Purchase and Sale Agreements
Exhibit 2H - REBA Ethical Standard No. 1: Consideration Recited in Deeds
Exhibit 2H - REBA Ethical Standard No. 1: Consideration Recited in Deeds
Exhibit 2I - REBA Practice Standard No. 19: Home Equity Loan Discharges
Exhibit 2I - REBA Practice Standard No. 19: Home Equity Loan Discharges
Exhibit 2J - REBA Practice Standards Nos. 1, 5, and 7 (Adjustments)
Exhibit 2J - REBA Practice Standards Nos. 1, 5, and 7 (Adjustments)
Exhibit 2K - REBA Form 66: Sample Rider Provisions to Residential Purchase and Sale Agreement for Single
Family, 1-4 Family, and Condominium Units
Exhibit 2K - REBA Form 66: Sample Rider Provisions to Residential Purchase and Sale Agreement for Single Family, 1-4 Family, and Condominium Units
Exhibit 2L - Sample Use and Occupancy Agreement (Buyer)
Exhibit 2L - Sample Use and Occupancy Agreement (Buyer)
Exhibit 2M - Sample Use and Occupancy Agreement (Seller)
Exhibit 2M - Sample Use and Occupancy Agreement (Seller)

Chapter 03 - Financing a Residential Real Estate Transaction
Ruth Dillingham, Esq.,
Dillingham Law LLC
Checklist 3.1 - Checklist for Residential Real Estate Closing
Checklist 3.1 - Checklist for Residential Real Estate Closing
Exhibit 3A - Loan Estimate
Exhibit 3A - Loan Estimate
Exhibit 3B - Fixed and Adjustable Rate Notes
Exhibit 3B - Fixed and Adjustable Rate Notes
Exhibit 3C - Uniform Residential Loan Application
Exhibit 3C - Uniform Residential Loan Application
Exhibit 3D - Lead Paint Agreement
Exhibit 3E - Attorney General’s Consumer Protection Disclosure Forms

Chapter 3 - Financing a Residential Real Estate Transaction
Ruth Dillingham, Esq.,
Dillingham Law LLC
Checklist 3.1 - Checklist for Residential Real Estate Closing
Checklist 3.1 - Checklist for Residential Real Estate Closing
Exhibit 3A - Loan Estimate
Exhibit 3A - Loan Estimate
Exhibit 3B - Fixed and Adjustable Rate Notes
Exhibit 3B - Fixed and Adjustable Rate Notes
Exhibit 3C - Uniform Residential Loan Application
Exhibit 3C - Uniform Residential Loan Application
Exhibit 3D - Lead Paint Agreement
Exhibit 3E - Attorney General’s Consumer Protection Disclosure Forms

Chapter 04 - Due Diligence: Home Inspections and Environmental and Land Use Law
Philip B. Posner, Esq.,
Law Office of Philip B. Posner
Checklist 4.1 - Checklist for Environmental Review of Residential Property
Checklist 4.1 - Checklist for Environmental Review of Residential Property
Checklist 4.2 - Checklist for Purchasing a Residential Building Lot
Checklist 4.2 - Checklist for Purchasing a Residential Building Lot
Exhibit 4A - Sample Home Inspector’s Form
Exhibit 4B - Home Inspection Report Minimum Standards
Exhibit 4C - MassDEP Guide: Buying or Selling Property with a Septic System
Exhibit 4D - MassDEP Guidance on Inspection of Subsurface Sewage Disposal Systems
Exhibit 4E - MassDEP Subsurface Sewage Disposal System Inspection Form
Exhibit 4F - MassDEP Consumer Protection Tips on Septic System Inspections and Repairs
Exhibit 4G - Property Transfer Lead Paint Notification
Exhibit 4H - Tenant Lead Law Notification
Exhibit 4I - Anatomy of a House
Exhibit 4J - REBA Septic System Inspection Rider
Exhibit 4K - G.L. c. 111, §§ 189A-199B: The Massachusetts Lead Law
Exhibit 4L - Department of Public Health Summary of 1994 Amendments to Lead Law
Exhibit 4M - Data Brief: Childhood Lead Exposure in Massachusetts
Exhibit 4N - The Lead-Safe Certified Guide to Renovate Right
Exhibit 4O - Lead-Safe Renovation Contractor Property Owner’s Checklist
Exhibit 4P - Sample Oil Leak Insurance Policy
Exhibit 4Q - MassDEP Fact Sheet: Homeowner Heating Oil System Upgrade and Insurance Law
Exhibit 4R - Unit Deed
Exhibit 4S - Massachusetts Department of Energy Resources, Stretch Code Modeling and Analysis
Exhibit 4T - Massachusetts Department of Energy Resources, Stretch Energy and Municipal Opt-In Specialized Building Code - Frequently Asked Questions
Exhibit 4U - Energy Star Qualified Homes Thermal Bypass Inspection Checklist

Chapter 4 - Due Diligence: Home Inspections and Environmental and Land Use Law
Philip B. Posner, Esq.,
Law Office of Philip B. Posner
Checklist 4.1 - Checklist for Environmental Review of Residential Property
Checklist 4.1 - Checklist for Environmental Review of Residential Property
Checklist 4.2 - Checklist for Purchasing a Residential Building Lot
Checklist 4.2 - Checklist for Purchasing a Residential Building Lot
Exhibit 4A - Sample Home Inspector’s Form
Exhibit 4B - Home Inspection Report Minimum Standards
Exhibit 4C - MassDEP Guide: Buying or Selling Property with a Septic System
Exhibit 4D - MassDEP Guidance on Inspection of Subsurface Sewage Disposal Systems
Exhibit 4E - MassDEP Subsurface Sewage Disposal System Inspection Form
Exhibit 4F - MassDEP Consumer Protection Tips on Septic System Inspections and Repairs
Exhibit 4G - Property Transfer Lead Paint Notification
Exhibit 4H - Tenant Lead Law Notification
Exhibit 4I - Anatomy of a House
Exhibit 4J - REBA Septic System Inspection Rider
Exhibit 4K - G.L. c. 111, §§ 189A-199B: The Massachusetts Lead Law
Exhibit 4L - Department of Public Health Summary of 1994 Amendments to Lead Law
Exhibit 4M - Data Brief: Childhood Lead Exposure in Massachusetts
Exhibit 4N - The Lead-Safe Certified Guide to Renovate Right
Exhibit 4O - Lead-Safe Renovation Contractor Property Owner’s Checklist
Exhibit 4P - Sample Oil Leak Insurance Policy
Exhibit 4Q - MassDEP Fact Sheet: Homeowner Heating Oil System Upgrade and Insurance Law
Exhibit 4R - Unit Deed
Exhibit 4S - Massachusetts Department of Energy Resources, Stretch Code Modeling and Analysis
Exhibit 4T - Massachusetts Department of Energy Resources, Stretch Energy and Municipal Opt-In Specialized Building Code - Frequently Asked Questions
Exhibit 4U - Energy Star Qualified Homes Thermal Bypass Inspection Checklist

Chapter 05 - Title Examinations and Title Issues
Joel A. Stein, Esq.,
Law Office of Joel A. Stein
Checklist 5.1 - Checklist for Examining a Recorded Land Title
Checklist 5.1 - Checklist for Examining a Recorded Land Title
Checklist 5.2 - Checklist for Examining a Registered Land Title
Checklist 5.2 - Checklist for Examining a Registered Land Title
Checklist 5.3 - Checklist for Taking Title Through Foreclosure
Checklist 5.3 - Checklist for Taking Title Through Foreclosure
Exhibit 5A - REBA Title Standard No. 1: Period of Search
Exhibit 5AA - REBA Title Standard No. 38: Attachments of Trust Property
Exhibit 5B - Affidavit of Mortgage Repayment
Exhibit 5BB - REBA Title Standard No. 65: Undischarged Confirmatory Mortgages and Collateral Assignments of Rents/Leases
Exhibit 5C - REBA Form No. 15G: Discharge of Mortgage by Attorney’s Affidavit
Exhibit 5CC - REBA Title Standard No. 55: Massachusetts Tax Liens (Recorded)
Exhibit 5D - Good Funds Statute: G.L. c. 183, § 63B
Exhibit 5DD - REBA Title Standard No. 54: Federal Tax Liens (Recorded)
Exhibit 5E - REBA Title Standards Nos. 18 and 19: Municipal Liens
Exhibit 5EE - 830 C.M.R. § 62C.50.1: Lien on Property
Exhibit 5F - G.L. c. 93, § 70: Mortgage Transactions
Exhibit 5FF - Affidavit of Exemption from Federal Tax Lien
Exhibit 5G - REBA Title Standard No. 3: Federal Estate Tax Liens
Exhibit 5GG - REBA Title Standard Nos. 62, 63, and 64: Mechanic’s Liens
Exhibit 5H - REBA Form No. 32: Affidavit Pursuant to G.L. c. 65C, § 14(a)
Exhibit 5HH - Affidavit Regarding Homestead
Exhibit 5I - REBA Title Standard No. 61: Massachusetts Estate Tax Liens with Respect to Transfers for Inadequate Consideration
Exhibit 5II - REBA Form 16: Declaration of Homestead
Exhibit 5J - REBA Title Standard No. 24: Massachusetts Estate Tax Liens
Exhibit 5JJ - REBA Title Standard No. 74: Irregularities in Condominium Unit Deeds and Floor Plans
Exhibit 5K - REBA Title Standard No. 50: Pretermitted Issue
Exhibit 5KK - REBA Title Standard No. 52: Extension of Restrictions
Exhibit 5L - REBA Form 58: Deed of Distribution - M.G.L. c. 190B, § 3-907
Exhibit 5LL - REBA Title Standard No. 57: Private Restrictions
Exhibit 5M - REBA Form 57A: Affidavit Regarding Note Secured by Mortgage to Be Foreclosed (for Mortgages Which Have Been Assigned)
Exhibit 5MM - REBA Title Standard No. 16: Acknowledgments
Exhibit 5N - REBA Form 57B: Affidavit Regarding Note Secured by Mortgage to Be Foreclosed (for Mortgages Which Have Not Been Assigned)
Exhibit 5O - REBA Title Standard No. 42: Signatory Authority for Documents Executed on Behalf of Entity Mortgage Holders and Their Attorneys in Fact
Exhibit 5P - Affidavit of Sale
Exhibit 5Q - Moratorium Affidavit
Exhibit 5R - REBA Title Standard No. 34: Powers of Attorney
Exhibit 5S - Waiver of Notice
Exhibit 5T - REBA Title Standard No. 28: Release of Right of Redemption After Foreclosure with Respect to a Federal Tax Lien
Exhibit 5U - Request for Waiver of Right of Redemption
Exhibit 5V - Deed in Lieu of Foreclosure
Exhibit 5W - Affidavit of Estoppel and Solvency
Exhibit 5X - REBA Title Standard No. 30: Bankruptcy Code Transfers Pursuant to Court Order
Exhibit 5Y - REBA Title Standard No. 21: Scriveners’ Errors
Exhibit 5Z - REBA Title Standard No. 33: Transfers by Trustee

Chapter 5 - Title Examinations and Title Issues
Joel A. Stein, Esq.,
Law Office of Joel A. Stein
Checklist 5.1 - Checklist for Examining a Recorded Land Title
Checklist 5.1 - Checklist for Examining a Recorded Land Title
Checklist 5.2 - Checklist for Examining a Registered Land Title
Checklist 5.2 - Checklist for Examining a Registered Land Title
Checklist 5.3 - Checklist for Taking Title Through Foreclosure
Checklist 5.3 - Checklist for Taking Title Through Foreclosure
Exhibit 5A - REBA Title Standard No. 1: Period of Search
Exhibit 5AA - REBA Title Standard No. 38: Attachments of Trust Property
Exhibit 5B - Affidavit of Mortgage Repayment
Exhibit 5BB - REBA Title Standard No. 65: Undischarged Confirmatory Mortgages and Collateral Assignments of Rents/Leases
Exhibit 5C - REBA Form No. 15G: Discharge of Mortgage by Attorney’s Affidavit
Exhibit 5CC - REBA Title Standard No. 55: Massachusetts Tax Liens (Recorded)
Exhibit 5D - Good Funds Statute: G.L. c. 183, § 63B
Exhibit 5DD - REBA Title Standard No. 54: Federal Tax Liens (Recorded)
Exhibit 5E - REBA Title Standards Nos. 18 and 19: Municipal Liens
Exhibit 5EE - 830 C.M.R. § 62C.50.1: Lien on Property
Exhibit 5F - G.L. c. 93, § 70: Mortgage Transactions
Exhibit 5FF - Affidavit of Exemption from Federal Tax Lien
Exhibit 5G - REBA Title Standard No. 3: Federal Estate Tax Liens
Exhibit 5GG - REBA Title Standard Nos. 62, 63, and 64: Mechanic’s Liens
Exhibit 5H - REBA Form No. 32: Affidavit Pursuant to G.L. c. 65C, § 14(a)
Exhibit 5HH - Affidavit Regarding Homestead
Exhibit 5I - REBA Title Standard No. 61: Massachusetts Estate Tax Liens with Respect to Transfers for Inadequate Consideration
Exhibit 5II - REBA Form 16: Declaration of Homestead
Exhibit 5J - REBA Title Standard No. 24: Massachusetts Estate Tax Liens
Exhibit 5JJ - REBA Title Standard No. 74: Irregularities in Condominium Unit Deeds and Floor Plans
Exhibit 5K - REBA Title Standard No. 50: Pretermitted Issue
Exhibit 5KK - REBA Title Standard No. 52: Extension of Restrictions
Exhibit 5L - REBA Form 58: Deed of Distribution - M.G.L. c. 190B, § 3-907
Exhibit 5LL - REBA Title Standard No. 57: Private Restrictions
Exhibit 5M - REBA Form 57A: Affidavit Regarding Note Secured by Mortgage to Be Foreclosed (for Mortgages Which Have Been Assigned)
Exhibit 5MM - REBA Title Standard No. 16: Acknowledgments
Exhibit 5N - REBA Form 57B: Affidavit Regarding Note Secured by Mortgage to Be Foreclosed (for Mortgages Which Have Not Been Assigned)
Exhibit 5O - REBA Title Standard No. 42: Signatory Authority for Documents Executed on Behalf of Entity Mortgage Holders and Their Attorneys in Fact
Exhibit 5P - Affidavit of Sale
Exhibit 5Q - Moratorium Affidavit
Exhibit 5R - REBA Title Standard No. 34: Powers of Attorney
Exhibit 5S - Waiver of Notice
Exhibit 5T - REBA Title Standard No. 28: Release of Right of Redemption After Foreclosure with Respect to a Federal Tax Lien
Exhibit 5U - Request for Waiver of Right of Redemption
Exhibit 5V - Deed in Lieu of Foreclosure
Exhibit 5W - Affidavit of Estoppel and Solvency
Exhibit 5X - REBA Title Standard No. 30: Bankruptcy Code Transfers Pursuant to Court Order
Exhibit 5Y - REBA Title Standard No. 21: Scriveners’ Errors
Exhibit 5Z - REBA Title Standard No. 33: Transfers by Trustee

Chapter 06 - Title Insurance Basics
Lynne Murphy Breen, Esq.,
First American Title
Exhibit 6A - ALTA Owner’s Policy Jacket (2021 Form with Redline Changes from 2006 Form)
Exhibit 6AA - Chart: Castle Enhanced and ALTA Policies Compared
Exhibit 6B - Owner’s Policy of Title Insurance
Exhibit 6BB - Castle Enhanced Coverage Owner’s Policy Jacket
Exhibit 6C - ALTA Loan Policy Jacket (2021 Form with Redline Changes from 2006 Form)
Exhibit 6CC - Castle Enhanced Coverage Loan Policy Jacket
Exhibit 6D - Loan Policy of Title Insurance
Exhibit 6DD - ALTA 19 Series Endorsements
Exhibit 6E - Schedules A and B for Owners and Lenders
Exhibit 6EE - ALTA 3 Series Endorsements
Exhibit 6F - Property Description Sheet
Exhibit 6FF - ALTA 17 Series Endorsements
Exhibit 6G - Secondary Mortgage Market Endorsement
Exhibit 6GG - ALTA 9 Series Endorsements
Exhibit 6H - ALTA Endorsement Form 9
Exhibit 6I - ALTA Endorsement Form 8.1
Exhibit 6J - ALTA Endorsement Form 7
Exhibit 6K - ALTA Endorsement Form 6
Exhibit 6L - ALTA Endorsement Form 6.2
Exhibit 6M - ALTA Endorsement Form 5
Exhibit 6N - ALTA Endorsement Form 4.1
Exhibit 6O - Master Endorsement
Exhibit 6P - “Date Down” Endorsement
Exhibit 6Q - Residential Limited Coverage Policy Jacket
Exhibit 6R - Notice of Availability of Owner’s Title Insurance
Exhibit 6S - ALTA Commitment for Title Insurance (2021 Form with Redline Changes from 2016 Form)
Exhibit 6T - Sample Affidavit Required by the Title Insurer to Provide Coverage Requested by the Lender
Exhibit 6U - Survey Affidavit
Exhibit 6V - Surveyor’s Report Form
Exhibit 6W - ALTA (CATIC) Expanded Coverage Residential Loan Policy
Exhibit 6X - ALTA Homeowner’s Policy of Title Insurance (2021 Form with Redline Changes from 2013 Form)
Exhibit 6Y - Chart: Comparison of ALTA Standard and Homeowner’s (Expanded Protection) Policies
Exhibit 6Z - Summary of Castle Enhanced Coverage Policies for One-to-Four Family Residences

Chapter 6 - Title Insurance Basics
Lynne Murphy Breen, Esq.,
First American Title
Exhibit 6A - ALTA Owner’s Policy Jacket (2021 Form with Redline Changes from 2006 Form)
Exhibit 6AA - Chart: Castle Enhanced and ALTA Policies Compared
Exhibit 6B - Owner’s Policy of Title Insurance
Exhibit 6BB - Castle Enhanced Coverage Owner’s Policy Jacket
Exhibit 6C - ALTA Loan Policy Jacket (2021 Form with Redline Changes from 2006 Form)
Exhibit 6CC - Castle Enhanced Coverage Loan Policy Jacket
Exhibit 6D - Loan Policy of Title Insurance
Exhibit 6DD - ALTA 19 Series Endorsements
Exhibit 6E - Schedules A and B for Owners and Lenders
Exhibit 6EE - ALTA 3 Series Endorsements
Exhibit 6F - Property Description Sheet
Exhibit 6FF - ALTA 17 Series Endorsements
Exhibit 6G - Secondary Mortgage Market Endorsement
Exhibit 6GG - ALTA 9 Series Endorsements
Exhibit 6H - ALTA Endorsement Form 9
Exhibit 6I - ALTA Endorsement Form 8.1
Exhibit 6J - ALTA Endorsement Form 7
Exhibit 6K - ALTA Endorsement Form 6
Exhibit 6L - ALTA Endorsement Form 6.2
Exhibit 6M - ALTA Endorsement Form 5
Exhibit 6N - ALTA Endorsement Form 4.1
Exhibit 6O - Master Endorsement
Exhibit 6P - “Date Down” Endorsement
Exhibit 6Q - Residential Limited Coverage Policy Jacket
Exhibit 6R - Notice of Availability of Owner’s Title Insurance
Exhibit 6S - ALTA Commitment for Title Insurance (2021 Form with Redline Changes from 2016 Form)
Exhibit 6T - Sample Affidavit Required by the Title Insurer to Provide Coverage Requested by the Lender
Exhibit 6U - Survey Affidavit
Exhibit 6V - Surveyor’s Report Form
Exhibit 6W - ALTA (CATIC) Expanded Coverage Residential Loan Policy
Exhibit 6X - ALTA Homeowner’s Policy of Title Insurance (2021 Form with Redline Changes from 2013 Form)
Exhibit 6Y - Chart: Comparison of ALTA Standard and Homeowner’s (Expanded Protection) Policies
Exhibit 6Z - Summary of Castle Enhanced Coverage Policies for One-to-Four Family Residences

Chapter 07 - Deeds
Maria Vijil Davis, Esq.,
Vijil Davis LLC
Exhibit 7A - REBA Title Standard No. 77: Prior Owner Automatic Homestead or Declared Homestead

Chapter 7 - Deeds
Maria Vijil Davis, Esq.,
Vijil Davis LLC
Exhibit 7A - REBA Title Standard No. 77: Prior Owner Automatic Homestead or Declared Homestead

Chapter 08 - Closings
Jacqueline M. Hudkins, Esq.,
Hudkins Law PLLC
Martha L. Prizio, Esq.,
First American Title Isurance Company
Exhibit 8A - Sample Introductory Letter 1
Exhibit 8AA - Agreement Between Buyer and Seller Regarding Real Estate Taxes and Utilities
Exhibit 8B - Sample Introductory Letter 2
Exhibit 8BB - Name Affidavit
Exhibit 8C - Sample Introductory Letter 3
Exhibit 8CC - Occupancy Affidavit
Exhibit 8D - Payoff Request
Exhibit 8DD - Compliance Agreement
Exhibit 8E - Request for Hazard Insurance Binder
Exhibit 8EE - Smoke Detector and Carbon Monoxide Detector Certification and Indemnification Agreement
Exhibit 8F - Title Commitment
Exhibit 8FF - Lead Paint Indemnification
Exhibit 8G - Sample Closing Protection Letter
Exhibit 8GG - Declaration of Homestead for Homes Owned by Natural Persons
Exhibit 8H - Plot Plan
Exhibit 8HH - Declaration of Homestead for Homes Owned by Trustee(s)
Exhibit 8I - Municipal Lien Certificate
Exhibit 8II - Foreign Investment Real Property Tax Act Affidavit
Exhibit 8J - Title 5 Official Inspection Form
Exhibit 8JJ - Information for Real Estate 1099-S Report Filing
Exhibit 8K - Request for Certificate of Condominium Insurance
Exhibit 8KK - Attorney’s Certification of Title
Exhibit 8L - Buyer/Borrower Closing Disclosure (Purchase)
Exhibit 8LL - Certification for No Information Reporting on the Sale or Exchange of a Principal Residence
Exhibit 8M - Buyer/Borrower Closing Disclosure (Refinance)
Exhibit 8MM - Title Insurance Affidavit
Exhibit 8NN - Mechanic’s Lien Certificate
Exhibit 8NN - Seller Closing Disclosure Statement
Exhibit 8O - ALTA Settlement Statement
Exhibit 8P - Sample Promissory Note
Exhibit 8Q - Sample Mortgage
Exhibit 8R - Property Description, “Exhibit A”
Exhibit 8S - Example Deed
Exhibit 8T - Right to Cancel
Exhibit 8U - Escrow Disclosure
Exhibit 8V - First Payment Letter
Exhibit 8W - Insurance Binder
Exhibit 8X - IRS Form W-9, Request for Taxpayer Identification Number and Certification
Exhibit 8Y - IRS Form 4506-T, Request for Transcript of Tax Return
Exhibit 8Z - Notice of Availability of Owner’s Title Insurance

Chapter 8 - Closings
Jacqueline M. Hudkins, Esq.,
Hudkins Law PLLC
Martha L. Prizio, Esq.,
First American Title Isurance Company
Exhibit 8A - Sample Introductory Letter 1
Exhibit 8AA - Agreement Between Buyer and Seller Regarding Real Estate Taxes and Utilities
Exhibit 8B - Sample Introductory Letter 2
Exhibit 8BB - Name Affidavit
Exhibit 8C - Sample Introductory Letter 3
Exhibit 8CC - Occupancy Affidavit
Exhibit 8D - Payoff Request
Exhibit 8DD - Compliance Agreement
Exhibit 8E - Request for Hazard Insurance Binder
Exhibit 8EE - Smoke Detector and Carbon Monoxide Detector Certification and Indemnification Agreement
Exhibit 8F - Title Commitment
Exhibit 8FF - Lead Paint Indemnification
Exhibit 8G - Sample Closing Protection Letter
Exhibit 8GG - Declaration of Homestead for Homes Owned by Natural Persons
Exhibit 8H - Plot Plan
Exhibit 8HH - Declaration of Homestead for Homes Owned by Trustee(s)
Exhibit 8I - Municipal Lien Certificate
Exhibit 8II - Foreign Investment Real Property Tax Act Affidavit
Exhibit 8J - Title 5 Official Inspection Form
Exhibit 8JJ - Information for Real Estate 1099-S Report Filing
Exhibit 8K - Request for Certificate of Condominium Insurance
Exhibit 8KK - Attorney’s Certification of Title
Exhibit 8L - Buyer/Borrower Closing Disclosure (Purchase)
Exhibit 8LL - Certification for No Information Reporting on the Sale or Exchange of a Principal Residence
Exhibit 8M - Buyer/Borrower Closing Disclosure (Refinance)
Exhibit 8MM - Title Insurance Affidavit
Exhibit 8NN - Mechanic’s Lien Certificate
Exhibit 8NN - Seller Closing Disclosure Statement
Exhibit 8O - ALTA Settlement Statement
Exhibit 8P - Sample Promissory Note
Exhibit 8Q - Sample Mortgage
Exhibit 8R - Property Description, “Exhibit A”
Exhibit 8S - Example Deed
Exhibit 8T - Right to Cancel
Exhibit 8U - Escrow Disclosure
Exhibit 8V - First Payment Letter
Exhibit 8W - Insurance Binder
Exhibit 8X - IRS Form W-9, Request for Taxpayer Identification Number and Certification
Exhibit 8Y - IRS Form 4506-T, Request for Transcript of Tax Return
Exhibit 8Z - Notice of Availability of Owner’s Title Insurance

Chapter 09 - Ethics Issues for Real Estate Lawyers
Adam C. LaFrance, Esq.,
Office of Bar Counsel, Massachusetts Board of Bar Overseers

Chapter 9 - Ethical Issues for Real Estate Lawyers
Bruce T. Eisenhut, Esq.,
Appendix
Land Court Guidelines on Registered Land

Authors

Editor(s)

Jacqueline M. Hudkins, Esq.,
Hudkins Law PLLC, New London

Author(s)

Maria Vijil Davis, Esq.,
Vijil Davis LLC, Hadley

Ruth Dillingham, Esq.,
Dillingham Law LLC, Barnstable

Keira F. Gibson, Esq.,
Kajko, Weisman & Colasanti LLP, Lexington

Jacqueline M. Hudkins, Esq.,
Hudkins Law PLLC, New London

Richard Keshian, Esq.,
Kajko, Weisman & Colasanti LLP, Lexington

Adam C. LaFrance, Esq.,
Office of Bar Counsel, Massachusetts Board of Bar Overseers, Boston

Steven L. Mangold, Esq.,
Hemenway & Barnes LLP, Boston

Lynne Murphy Breen, Esq.,
First American Title, Boston

Philip B. Posner, Esq.,
Law Office of Philip B. Posner, Concord

Martha L. Prizio, Esq.,
First American Title Isurance Company, Concord

Joel A. Stein, Esq.,
Law Office of Joel A. Stein, Norwell