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Fsco disclosure to borrower form

the bottom four questions let me know that you can hear and as we go along to nice presentation if you have questions also feel free to punch those in and we'll try to get to them as quickly as we can and let's jump right to it I know you guys aren't here to listen to me we're here to talk to Reid and get some info on loans so uh who is Marshall Redick real estate we are a real estate broker a private money lender and a property manager we are a brokerage here in Orange County California servicing all the way up to the Bay Area and all the way down to San Diego and we help local buyers and sellers who are looking to purchase and sell their own home we are a private money lender so we help people not only purchase property when they can't qualify for the types of financing that we is going to talk about tonight but also we work with people who want to make be the lender themselves um sorry guys rather some technical just these review of control the screen I think I can see your screen now yeah I do I do okay okay perfect thank you and everybody sorry about this bear with us tonight I think we've got ourselves all dialed in again let me know that you can hear me and that you can see the screen and we will move right along with the nice presentation again we're also a property managers here we manage properties in LA County Orange County and we are a style and has mobility residence and we also are a real estate team who advises investors who want to purchase rental property out of state and that's where I come in I'm a licensed real estate agent I have had my license here in California for almost three years I already so I'm happily able to tell my clients that I practice what I preach not am i helping you guys to invest but I'm also an investor myself and I actually began investing with Marsha retic before I became an employee so what do i do as a real estate advisor Reed if you would mind slipping to the next slide please um I am here to be your advocate as a real estate investor there's no charge for my services we can meet in person we can chat on the phone and we make a plan and a strategy that fits you the best whatever those long-term and short-term goals are whether you're seasoned you're just getting started I am here to help you customize that plan and get you to where you need to be and we hold your hand through the entire process start to finish and once you close that transaction we're also here to help you do the life of your investment so that's what you get when you talk to me we usually have this conversation and then your next step is going to be getting your finance or if you're going to be using leverage to purchase the property and that's where Reed comes in Reed Hazzard is our preferred lender with Amir first financial they are a direct lender all their processes are in-house he's been working with our Marshall retic investors for over 10 years and he's licensed in every single market where we invest in real estate except for one but you have 16 others to choose from so we'll focus on those we'll focus on what to look for and what to expect when you get into the process and without further ado Reed I'll let you take it away Thank You Christian and thank you so much you guys everybody for being on the call this evening um this is actually my 12th year working with and Marshall Redick I bought my first property when I was 19 years old through Marshall Redick actually bought two properties that year they were a condo conversions out optimal Springs Florida which I was lucky enough actually dissolve 2006 and very very long those and you know I you know you guys specialize in wonderful unit primary residence investment property financing tonight we're going to be going over a topic of discussion that I've been asked about for a long time is you know reading you put together a PowerPoint presentation on understanding loan documents because over the past few years you have new documents now in new terms that many are unfamiliar with for example the CD or closing disclosure what is this ad okay it just replaced the HUD one closing statement many of you that have bought property over the past at you know 10 15 years you're used to receiving a HUD one closing statement not as CD so we're going to be going over terms like the le the CD and we've got a great presentation for you guys tonight okay one other thing that I do want to touch on that you guys as Kristen said I am federally and state licensed to lend in California Texas and Arizona and my branch is licensed in the Florida Indiana and Tennessee and another thing to add i've personally financed now over a thousand transactions with marshal retic since 2004 so overview of badge presentation we're going to be going over the 1003 application we're going to be going over the loan estimate okay we're going to be going over the closing disclosure and then the final closing documents okay now you guys the 1003 application okay this is what this loan structure is built on Katie Ellie this is what all the standard fees are okay we're going to be going over what the norm of those fees are we're going to be going over the high end of these costs and the low end of these costs and what to expect okay everybody from the cheapest lender out there to the most expensive okay we're going to be going over definitions of common industry terms okay that a first-timer would not be familiar with we're also going to be going over how in pounds work okay what are in pounds okay we're going to be going over what are the typical title and escrow fees okay what what can be considered high what can be considered low costs okay we're also going to be going over one of typical additional settlement charges okay what's a survey pest inspection HOA dues okay we're going to also be going over the final closing documents okay so bear with me going to be on here for about another 45 minutes and we're going to try and stop midway through to do a poll so if you guys have any questions I can answer those while we're on the call now first step is the mystifying the 1003 application any purchase that you do of residential real estate that's one to four unit in any state is going to have a uniform residential loan application that looks just like this okay it's four pages long now what does RESPA require okay for your loan to be considered an application rezku trespass the Real Estate Settlement Procedures Act okay it to basically governs all of this they require six things and name your income your social a property address for the property that you're going to be buying the estimated value and a loan amount once you have those six required fields your loan is considered to be an application and your loan file can officially be disclosed now what is a mare first request everything pleased okay the 1003 is the backbone of the transaction it's four pages long and we ask that you fill out everything let me give you a quick little example if you make if you're making more money now okay then you were making in 2014 and 15 but you don't specify that on the application you just think oh I sent up my tax returns well we may be pre approving you with less income that you can actually qualify so you may be able to qualify for more okay it's very important that's just a simple example of why it's so important okay to fill out a complete 1003 now what I thought would be the easiest way to go over this tonight is to base this on a $200,000 investment property purchase okay so we're going to assume that this is a very seamless transaction $200,000 home it's maybe built in 2006 right they have a pretty clean home inspection clean appraisal and I'm going to go through the process okay so we're going to start off you're going to complete a 1003 application you're then going to provide the documentation to support the income assets and the credit you did a qualifier for the sales price range that you're shopping in okay so w-2s pay stubs bank statements for your funds to close okay you're then going to sign a few preliminary loan disclosures okay the 4506 t document okay that is the tax transcript document that we have you fill out that we then submit to the IRS and then the IRS gives us a copy of the tax transcript showing the way that you filed your tax returns for the past three years we then take the tax transcripts we place it next to a copy of your tax returns that you give it to us and that way the underwriter can review both sets for accuracy okay we also have you sign a borrower's authorization that's going to allow us to order your verification of employment from your employer so my assistant at this point will also be asking you for your HR contact information or if you have to order through the work number but at this point getting the verification of employment on file is going to save us three days on the process so is getting the tax return results we're also going to order your Social Security verification form now when we have those documents in we're then going to send your loan to my underwriter here at the branch okay for a preliminary underwrite to review your file some of you may be w-2 you make a half million dollars a year you own one property it's a bread and butter file okay a file like that anybody can pre approve that but we still put it through underwriting just in case the review process is very quick it can generally be same-day if it's a simple file like that if you've got seven or eight rental properties and it's a very very you know hard file to structure this process from start to finish to take about a week once you've gotten pre-approved right I send you off a copy of your pre-approval letter we're going to send you monthly payment information and some options for either putting 20% or 25% down does any of you that are investors you know that if you put an extra 5% down you're always going to get a little bit better rate okay send you off the pre-approval letter what's next you're going to contract on a property pre-approval is good for a hundred and twenty days now Fannie Mae recently increased the length that they'll allow a credit report from 90 days two hundred and twenty so once you're pre-approved you're good for 120 days assuming that you find a good property we're going to contract on that property first step your agent and you are going to order your home inspection the lender is then going to order the appraisal at this point the lenders also okay prior to or during the appraisal we have to disclose your loan terms officially so now that we have a property address because of the contract we're going to request preliminary loan disclosures from our compliance department but before we do but before we request the pulmonary loan disclosures we always request what's called the fee sheet form escrow that used to be a copy of the estimated closing statement but now we have them send us a simplified fee sheet when we receive the fee sheet from escrows can have all the third party cost in the transaction the title fee's the escrow fees it's also kind of chauffeurs any credits you know if the seller is crediting any closing costs or it's going to have all those things on there once we have the fee sheet the lender us is going to generate what's called the L II or the loan estimate which was replaced which is basically replacing the good-faith estimate okay once all third party costs has been verified from the fee sheet and preliminary to low-flow disclosures are sent to the borrower for initial document signing once that's been done then we can order the appraisal okay now remember you guys the seller always select the third party title and escrow company on a purchase transaction and we don't have any control over the cost this is a sample of your loan estimate and what it's going to look like when it goes out to you for our left hand corner you guys you're going to have your sales price you're going to have your loan amount interest rate month monthly principal and interest payment now a couple things that I want to note on here okay it's always going to project the monthly payment in including monthly property taxes and an estimate for monthly homeowners insurance now even if you don't want to impound your taxes and insurance so I'll explain how it impounds is impounds is if you would like to pay a monthly portion of your property taxes and a monthly portion of your homeowners insurance with your monthly principal and interest payment each month it's basically a for savings account for investors that have seven or eight properties or even two or three it's a good way to stay organized and separate from that you're not having to deposit as much money at closing to set up the escrow account when you're buying only a $200,000 home as opposed to buying maybe a million dollar home out here in California so it's not like you're locking away a lot of money it's maybe only two or three thousand dollars that you would submit through the lender through closing to set the pier in pound account so you have a buffer in there and again some people like to do that if you don't want to do it there's no change in rate for that but either way on the page one of the Le even if you're like read we don't want to impound just know it's always going to include the total monthly payment now why do they do that RESPA wants you to be fully aware of what your monthly debt obligations are going to be now at Marshall Redick we're very good about making sure you know look you're going to have vacancy you know you're going to have maintenance it does happen when you bind lessen property you may have property management fees because you really need to get a property manager especially when you're out of state to manage your property for you there's many other costs that will go in to holding an investment property but again RESPA is not going to include those things they're only going to include what they need you to be fully aware of which is your actual debt obligations that if you don't pay them basically you would be in jeopardy of losing your property you don't pay your property taxes they can put a tax lien on though so again you guys those are the most important things for you to see on page one and the last one thing I also want to know you guys if you look on the upper right hand corner you'll see that it will list if your loan has been locked you know for any of you that want to test your loan officer a lot of people out there you know will let you will tell you that you're locked before you're not and this is a good way to tell if someone's telling you the truth because 100% if the rate has been locked they will be checked marked on the upper right-hand corner of page one now moving on to page two this is going to show you a breakdown of all closing costs on the transaction okay on the left hand side origination charges right it's going to have lender fees below that you're going to have escrow and title fees that are generated from the fee sheet number that we receive from escrow so if any of those costs from escrow change throughout the process that's why when we get to the fee B which is the closing disclosure the CD is basically just an audited version of the le so if anything has changed from the le to the CD everything will be updated and audited correctly for your CD at the end of the process and again we'll be going over that here in just a little bit later now any seller credits that were not negotiated at the contract stage and included on the fee sheet we received from escrow will be reflected on the last section of this page so if there's any credits you guys this is something that people ask me quite often they're like hey Reed like I was supposed to be getting some credits you know where is it listed if you look on this document on the far right hand corner and you look down you'll see seller credits you'll see funds for borrower one thing I need to notate in here you guys if this cash to close figure is never going to include any deposit that you put down when you signed your contract and that's what else can confuse people they're like hey I just put $10,000 down on the property why is it saying that my cash closes fifty eight thousand it should say forty-eight thousand it's because the Le will not generate it that way they want you to see a version of exactly what you're paying and they don't want anything deducted from it and it's kind of confusing so just be aware of that page three this is just additional information about this loan it gives you a great little comparison okay where you guys can basically take a look at you know in five years how much principle interest mortgage insurance and loan cost that you will have paid what this is really for you guys is so that you can compare the different costs between different lenders so if you were to go out and shop me with two different people you'd be able to at the le stage be able to do some comparisons okay which we hope that you don't do that but in the end of the day there's a dozen lenders out there and if you need to shop it's totally fine and this is a good way that you guys can shop between lenders also the APR is always going to be listed in this section okay now another important thing to note is that you're going to have other considerations on this page okay if this loan is able to be assumed okay it's going to stay down there that this loan requires homeowners insurance it's going to state information about late payments it's going to state information about refinancing okay it's going to state information about your appraisal so out of all these documents all three of these are very very important and you do need to always be reviewing your loan estimate at this stage now one thing we want to do is we want to over the high end and the low end side of all the fees on the transaction so bear with me when you get to your loan estimate section a is always going to refer to lender origination charges now let's break down the different types of cost charged by the lender okay they're not charged by every lender but these are the different types of cost that you may see origination fees that's any points your lender is charging for the loan that's not any discount point okay that you're charging to get a lower rate that's any additional fees that the lender is charging to originate smile now most lenders have their compensations built in their interest rate and for this reason they don't charge points upfront this is why a certain learners have higher rates and other lenders have lower rates prosthetic piece they should never exceed nine hundred and ninety five dollars underwriting fees they should never exceed twelve hundred and fifty dollars document preparation fees should never see need 150 dollars application B they should never exceed under $2 and if you're under izing and if your processing fees are anywhere near $2,000 you should never have an application fee or credit report feed in some cases you will have a credit report fee it should never exceed $60.00 a discount point that's going to refer to any cost that you are paying by down your interest rate now why do you need to know this discount points are different from origination points because origination points like I said that's the lender charging you extra money is going to put directly in this pocket discount points bonafide discount points have a separate section and they're literally there there are you are literally paying that money to get a lower interest rate where the branch and the loan officer they're not compensated off of that okay so definitely understand the difference there and discount points is something that you would pay for getting a lower interest rate below what's called the lowest power rate which is the rate the lowest offer rate before you start paying points that covers the lenders compensation now a summary of this if you're paying the higher side of the processing the underwriting fees listed above you should not have a dog pet fee an application fee or a credit report fee the high side of what you should pay excluding points would be $2,000 the low side is going to be 995 appraisal cost and what to expect I love this section you guys because this can be confusing Bokke why is my appraisal $600 for this investment property it's only two hundred thousand dollar property when I bought my home in California for eight hundred my appraisal is only 450 can you explain that so I'm going to go over these costs and the different cost and what's behind the low range is when you order your investment property appraisal for this two hundred thousand dollar investment home that we're buying your cost should be no more than three hundred and fifty to five hundred dollars for the appraisal report if the property is an investment you're going to need to get around comparable analysis which is included in the report razor it takes them more time to do that they're going to charge for that it's on average 150 to 250 dollars if the property is a 2 to 4 unit it's going to be an additional 50 to 150 dollars and if this is a four unit property in California it might pay an extra four to six hundred dollars okay if this is a property that's on the bluff in California like I just did one for four point eight million it was a sixteen hundred and fifty dollar appraisal so remember it's all going to be relative to its environment but in this case on a two hundred thousand dollar property two to four unit it's going to be an extra one hundred fifty max term times that are needed okay if this is a rush appraisal because which were in a position where we're up against an all-cash offer situation where we're going to offer a little bit more but we're using financing and we've got to move and literally close in 15 to 20 days okay we're going to have to rush order the appraisal a 24 hour 48 hour or standard five and seven day rush turn time depending on the type will cost between 100 to 300 dollars if the property is a new-build okay generally you're going to have to do a Rhian spec ssin fee we can wait until the last week when the property is done and then order the appraisal and have them go out there but builders generally don't like that and everybody at that point you're really trying to rush too much together and if it becomes an issue I always offer a 450 appraisal credit for each borrower either way so again if you're doing a new build it's best to get the appraisal ahead of time prior to completion and then have a trip inspection fee added and have them go back out to do what's called the final completion report now if there's repairs that are needed that the appraiser notates when they're out of the property like a broken window or the water the water you your haven't been strapped down properly anything like that or if there's no carbon monoxide detector you know that you're out here in California okay they will have to go back out there okay and that's going to cost low-side hundred bucks high side $200 the average cost for an investment property appraisal should never exceed 650 dollars assuming that known read inspection fee is required okay now if it's a 2 to 4 unit it should never exceed $800 on this size purchase price of around 200,000 now what types of third-party fees can you expect this is going to be listed under Section C of the loan estimate remember appraisal cost release and reception be lender cost section a so section C third party cost title insurance you're always going to have owners time on turns and you're always going to have lenders title insurance the owners title policy is going to range between $500 to $2,000 depending on the state lenders title policy same thing escrow fee settlement C I mean I've seen him as low as a hundred and seventy-five dollars in Texas I've seen him as high as twenty-five hundred to three grand out in California so it's very very wide range you guys document preparation C this is generally charged as in my opinion it can just be a junkie because if an attorney is not required to review the document then why are you charging a dollar see right now in a state like Texas it's an attorney state document preparation fee is required because an attorney is required to review your documents prior to closing a third party attorney company that is an applicable feet it's a property that you're buying in Aliso Viejo California there's a 250 dog breath fee that's a junk feed but again one of the problems here when you're buying a property is your hands are tied if you want the property because the sellers agents the sell are the ones that are allowed to select the title and escrow company our purchase transaction you know so anyways courier fees this is this is a this is a good see right here okay and this is a justifiable fee if somebody needs to take your documents to be recorded at the county recorders office to record the deed of trust it can cost fifty to a hundred dollars why are fees take you to a hundred dollars notary fee this is always going to be less you guys if let's say if you're buying a home in California it always going to be less if you go in if you sign the escrow office okay the average cost are about one hundred and fifty dollars if you sign in person and about 200 to 250 if you're signing with a traveling notary okay if you're buying an investment property out of state we're going to have a notary come to you to sign in your home in the evening or at your place of business whatever's best for you and then the notary will sign the documents with you and then overnight the documents back to the escrow company in Texas okay so in that situation the max that you'll pay with most services is about 250 minimal is going to be around 200 dollars for the traveling jewelry recording fees and transfer taxes now this is listed under section e of the loan estimate recording cost this is the cost for recording the deed of trust with the county this cost should never exceed 200 its I generally never see it exceed 80 to 90 dollars but I have seen it up in 150 to 200 dollar range but if you ever see anything above a hundred dollars just know that um it's probably just depending on the county transfer taxes require when property taxes for the current installment have already been paid for by the seller and you are required to reimburse the seller through closing so example if the seller prepaid the first six months of property taxes for the year but you're moving in and there's still four months that they already paid for okay that's transfer taxes that are being transferred over to you that you need to pay for through the closing okay now this is never going to exceed 12 months taxes in California do every six months in some states I believe that they're due every 12 months okay so depending on this let's say that you bought the property or they just paid twelve months of taxes up front last month in that situation you may be required to pay up to 12 months of basically prepaid access to the close of escrow or not you know basically paying for those taxes because the seller is already paid for but that's the most that you would ever pay for your transfer why are title and escrow fees higher on my purchase and when I refinanced I get this question all the time you guys and here's the simple answer okay why are my title and escrow fees 2500 on that purchase but now you're telling me that you can do it on my refinance for a bundled package deal for $800 the simple answer they know you have to go with them if you want the property so they don't need to offer a reduced cost structure to earn your business that's the answer prepaid items and what to expect now this is listed on the Le under Section F it's prepaid item right things that you have to prepay throughout the transaction okay including homeowners insurance premium on a purchase transaction you always have to prepay the first year of homeowners insurance up front you're also going to have prepaid interest on the new loan that's going to ring one day to 30 days now let me explain that if you're closing your transaction on June 25th of this month you would need to prepay interest from June 25th to the end of the month on a daily basis right so that's what you would pay at the close of escrow June 25th on the end of the month and then interest would need to accrue for each day in July and then your first payment is due on August 1st for July interest so you guys see how you technically you're you're skipping a payment there okay so when you buy an investment property when you close let's say halfway in a month you're going to prepay interest to the close of the lung to get you to the end of the month and then your first payments not due until the first the following month so that's one of the charges that included under Section F is prepaid interest and remember any it'll be any any day between 1 and 30 days additional other settlement charges okay this is going to be listening on section H of the loan estimate home inspection mandatory always got to get a home inspection and you should order your home inspection immediately after you open escrow and don't let your lender order the appraisal until you've reviewed your home inspection and make sure that the property looks good and that you want to move forward because you don't want to waste that six hundred and fifty dollars on your investment property appraisal if you get back your and then the property just looks terrible underneath the you know underneath the skirt you know you don't you don't want to have that problem okay so when you're buying a primary home in California and it's a great condition and a lot of times it doesn't if that's the case the sellers will already have a copy of a home inspection so at least you can order your appraisal quickly if you might have to move fast but again every year buying investment property especially whenever you're buying it out of state you always want to get your home inspection first before during the appraisal now a pest inspection will also be listed on here okay if you want to get a term I a survey ok the survey is how we determine the boundaries of the land that you're buying okay a lot of so if there's no survey that's ever been done on the property it's going to be required most of time there's always a survey available for the appraiser you know to obtain but again if it's not available we'll have to order it the most I've ever seen surveys are between two hundred to five hundred dollars okay mold inspections anywhere between $150 here in California might be a little bit higher roof sort of certifications okay never above $200 okay now what's something that would notate a roof certification be needed if the appraiser notes anything that's wrong with the roof missing tiles anything like that any other costs on the transaction that don't fall into the other field sections are always going to be less than in Section H escrow payment information do it closing now like I was talking about earlier with the in towns okay if you guys want to set up an in fountain town this is always going to be all the the cash the clothes that's needed to set up the in town it's going to be under Section G of the loan estimate now this section will list how many months for property and insurance are required to be deposited with the lender at closing now this will never exceed eight months okay because we need six full months up front okay plus I need about a two month buffer and depending on the time of the year that it's in sometimes it's as low as four months okay I've even seen as low as low as two if for example taxes were just paid okay now just be prepared though to come in with no more than eight months any homeowners insurance dues that the seller pre paid for will need to be paid for by the buyer at closing and listed in this section now when I say homeowners insurance I actually mean homeowners association dues so not homeowners insurance dues that's a that's a typo homeowners association dues okay so there's an HOA on the property it's the same exact thing as the pre paid taxes that we were talking about earlier also where if they've prepaid for fifteen days of the month in advance and that's going to be a pretty big cost okay we're going to take a quick little break to discuss some industry terms you guys some of this stuff many of you already know and a few of them I'm hoping that they'll be new for you so points always just going to refer to one percent of your loan amount okay impounds means paying your property taxes and homeowners insurance with your monthly payment each month now the lender is going to make these payments for you whenever they're due amortization is the term your loan is doing prepayment penalty any cost that you're going to pay for an early payoff of your loan and then prepaid interest I already went over that you guys just any amount days that are left in the month any so again because June 15th any days that are left to get you through to the end of June would they would need to be paid through the close of escrow now back to our steps in the process okay so we've reviewed our loan estimate ok we've assigned all of our preliminary loan disclosures ok we've ordered the appraisal to the third party management company okay we're waiting to get the appraisal appraisal comes in ok any appraisal Corrections or repairs that are needed are going to be related to all parties the lender is going to receive the title commitment showing that no liens or encumbrances around the property ok that are not going to be paid off the closing so what we're doing now is we're getting all these third-party things in ok that we're going to add into our loan file so we can submit for our final underwritten approval ok at this point interest rate has got to be locked so any of you that were floating the market and hopes the rates getting better at this point we've got a locker interest rate before we submit for our final approval ok any seller credits that have been added due to home inspection result so they must be finalized at this stage so remember the loan estimate was the estimate of how we started the transaction right but now at this point if the appraisals come back low we need to negotiate a different price mean little or if there's any repairs that need to be done because the home inspection came back with something needs to be fixed and now the sellers willing to give a $5,000 credit okay we drop a new addendum escrow needs to get that information we need to get that information this is the step of the process where real estate agent lender and buyer ok and with marshal retic real estate adviser also all work together at this age to get all the costs online so that we can prepare for the final audit of our closing disclosure so we get all this information and then the loan is submitted final underwriting approval once all cash supposed figures have been fully verified approval takes about 24 hours comes out of underwriting we then receive it my loan processor is going to break down the different conditions that are needed between borrower conditions as updated pay stubs or anything that was found by my underwriter that was not originally found approval stage any condition see from the agents may be an addendum um anything that's a different escrow and title so that we can prepare the loans relief solution for final underwriting now at this stage is when the closing disclosure is audited through compliance and assent to the borrower to acknowledge and sign now again what is the closing disclosure you guys okay it is the closure is an audited version of your loan estimate after all fees and credits have been verified to the loan process the closing disclosure processed now the lender performs a final audit of all fees and credits the lender then emails the closing disclosure to the borrower the borrower confirms receipt of the closing disclosure and assigns it for that day once the borrower assigns the three-day waiting period begins and then the borrower's eligible to sign their final closing document on the fourth day after the CD was issued acknowledged and assigned so example I mean if we if we email this out to you and you esign it for the same day that we email it to you that's going to count as day one so let's say Monday this week the the the CD was sent to you you guys assigned on Monday Tuesday Wednesday you can then sign on Thursday now you guys before go over the sample the CD I want to point this out retail banks do not authorize most retail banks will not allow the closing disclosure to be emailed to tomorrow they make it mandatory that you mail ok the CD to the borrower now what that does for the process it adds an additional three days on the process because the lender okay when they mail it out say that you don't consent to receiving this via email then the lender is going to have to by law they're going to have to mail out closing disclosure and they're going to add an additional three day period on the process okay from and they're going to start the three day waiting period for you three days after the CD was postmarked so basically what we can have done if we email you the closing disclosure we can have it done in three days to have you sign in the fourth day if a mail it to you you're not going to sign until the seventh day so very very important stuff this is a sample of the closing disclosure I mean looks very very much like the Lu guys couple differences though on the upper right hand corner it you know it's going to state this form is a statement of final loan terms and closing costs compare this document with your loan estimate so that you can verify any differences um it's going to have everything they wonder you guys did basically if anything has changed I you know everything should be final though at the CD stage okay now page three of the closing disclosure is always going to list any cost differences between your initial loan estimate and the closing disclosure so it's not like they go oh hey here's your closing disclosure now go find your le and then look over with a fine-tooth comb so you can see any differences no they've sectionalized this okay so on page three you literally can go oh here was my original le here's my CD and here's the differences and they've actually gone ahead and made a separate little section for that now if you do not contend to the signing process a closing disclosure will be mailed the process will be delayed for additional days I already covered that and then I want to go over this again all costs and figures should be 100% accurate on the closing disclosure unless the lender was unaware of credit for an inspection that was completed throughout the loan process okay or if if any other cost credits are discovered after the CD has been issued a new CD must be issued in three a waiting period must start again okay this is why it's so important that oh well you know what we're still upset about that home inspection that we didn't get that extra $600 and we the CD has already gone out we've already eaten it but we're still having our agent go back and forth with them and now they're going to agree to give us $600 and now I want $400 okay well the problem is we've already audited the CD and already sent it out you've already signed it and the waiting period is already started so if you want to add on that credit it's going to delay the process which is totally fine but again this is how the government has made our process now okay where when that fini goes out we really need to have everything at that point you guys so that it's smooth sailing transaction all the way to the finish line final in the process the loan will be resubmitted for the clear to close during the closing disclosure waiting process so what we do at my branch with the date that we get your final approval as long as all the conditions look good and as long as you have all the seller credits buyer credits and all of those cost that I just discussed all in line so we can submit for the audit of our CD we will submit for the audit the day that we get our final approval okay so that we can get our closing disclosure going and then while we're in the process of waiting for the CD period to season so that you can sign we're already submitting your loan on the back end for the clear to close okay meaning that we've gotten all the extra conditions that were needed okay that I talked about earlier so that we have a full file so that my underwriter can sign everything and the loan to be moved to the closing process okay for doc to be drawn so at this point the loan is clear to close loan documents are issued and sent to the closing agent so the signing can be scheduled for the day after the CD wait notary escrow will contact you to set up the final signing okay final documents are signed all funds to close or wire to escrow and the loan will fun once you receive the final closing documents from the closing company okay loan will record same day as funding or the following day depending on the county for example if you have bought a home in California and if you bought it in Los Angeles County they do not generally allow you the same if on the record and once the trustee is recorded you guys are a homeowner okay so that's the process from start to finish I wanted to switch gears a little bit and talk just for a second about the market update many of you know that there's a lot right now going on in the market a lot of volatility overseas you got a potential brexit which is Great Britain leaving the EU due to unfair trade policies between Graper between Germany which has been that way for a very very long time so if they lead the EU that decision will be tomorrow if they leave the EU you'll see rates better from current pricing if they do not lead the EU you'll see bond pricing deteriorate rates worse in a little bit um you know you guys pricings at the best level of the year right now rates are fantastic and I mean an example is I mean you've got Germany it's literally a negative interest rate territory now we're literally you have to pay money to park your money with Germany right now so all of that fear is what is created so much on demand for our mortgage bonds our mortgage-backed securities okay people but paying their payments on time okay for the past five years people have been buying with twenty thirty forty percent down there's been a lot of all-cash buys people are qualifying with debt to income ratios where they can afford these properties right I mean you you you have to show that not more than half of your incomes going out of your pocket each month to be able to qualify for a loan any basic up stick a blood sample I mean you got to get tax documents bank statements and everything has to be verified so for that reason when banks lend money in create a mortgage bond a mortgage asset a 30 year fixed mortgage bond that type of bond now is highly desirable by investors and I say that I also want to mention you know Fannie Mae and Freddie Mac they're still buying on average eight billion dollars a week and mortgage bonds at twenty eight billion dollars a month that sounds a lot like quantitative easing which they stopped doing two years ago right they were buying eighty five million dollars a month well they're still quantitative easing they buy eight billion dollars a week so bonds you guys mortgage bonds great commodity great investment on for our government and for that reason rate should stay at these levels at least until unemployment gets better and until we start to see some more inflation in the economy okay last thing that I do want to notice or I mean I do want to point out though we are seeing the inflation come back quick example is oil bottom back in mid-february at around twenty six dollars a barrel it's touched over fifty since then okay that's over a seventy five percent swing and the largest created commodity the filters through everything in the entire planet okay that's inflation right there so it is around the corner um the Fed is going to get the cyma thing need over the next year to raise rates again but honestly try not to pay so much attention to all the news take a look at what's going around in your own backyard realize people are buying property real estate that's one of the best investments ever right now and mainly because interest rates are still so low and borrowing costs allow you to to retain optimal cash flows on your investments okay interest rates for a 30-year fix on investment property in the low four percent range right now without paying points and every 1% rise in interest rate is a 12% reduction in your monthly payment so you're going to get optimum cash flows by buying in this market right now while rates are still low if you want to be added on my weekly market update it's totally free you guys send me an email after the event tonight I'll have a Samir herd is my business development person adds you onto the weekly market obtain that goes out every Saturday morning Marsh rheticus of incentive I pay $450 out of my own personal commission on each transaction on this goes directly to you as a token of appreciation for using me and my services we're happy to do it and it's available on each purchase transaction that you do just some Zillow reviews you guys you can Google read hazard on Zillow or my business partner allard Regas on Zillow we are the Rodriguez hazard team we've got collectively about 90 reviews all five-star on Zillow mainly purchase reviews go on there and check those out for learn more about us and just hear something but I really want to kind of talk about is tell me it's on here it's not on here I was what I was going to go over is the intentional part of why reviews are so important let me paint a picture for you guys real quick you've gotten pre-approved okay we've gotten all of your documents you guys are going to go out now you're going to submit an offer let's say that's on a local property here in California okay maybe that offer already has a couple all-cash offers but they're a little bit lower than maybe the offer that you're going to get because you're going to utilize financing for that reason sellers will definitely take a look at finance offers versus all-cash because people to use financing in many cases are willing to go a little bit higher okay so are people that are buying a home is a primary versus an investment maybe they really want the proper tool to pay a little bit more for it now what we do here at my branch we do a fully underwritten approval up front we have you sign more than just those initial three two closures I talked about earlier we have used to find a full disclosure packet it's called a TBD disclosure packet property to be determined okay you sign your loan disclosures we get verification employment all those things we submit your loan for a formal underwritten approval I can then submit and send you a copy of your approval letter okay it shows that no prior to approval conditions exist okay we also have what we add with that is called PYP its protect your transaction it's a $10,000 buyer assurance it's a letter that we can send with your approval letter to the sellers and we also customize a separate letter that's called the pre-approval offer letter it's got the property address it's got the offer price because you might be approved for a million but if you only want to operate fifty why are we going to put a million on there let's a custom tailor it you'll have the offer price on there all the details it'll be sign and date stamp for that day when Tonya Lori Moore and Marsha Redick submits an offer with read hazard and C sees me on that offer email to the agent in me the branch manager remembers follows up and reiterates that you're fully approved okay and that we can close the transaction 15 days or less okay that will look as good as an all-cash offer you guys okay what else we do is I'm always available to contact the listing agent or the sellers myself and explain to them hey you guys go online take a look at my online reviews I'm a purchase funder look at all those reviews 90% of those are purchase reviews so things like that really really mean a lot sellers will definitely take into account your lender right they want to know who you are if you're getting financing and again online reviews are a good thing to be able to point you how to apply I like to do loan applications one of two ways you can go up my website read hazard comm click on the apply Now tab ok click on residential loan application you can specify the state that you want to apply in or just put California and then deciding on where you guys you know want to go will obviously customize that later on the process but once you receive the application my loan assistance Jana and Brian will follow up with you with its documentation request we don't want to request more stuff than we need to ok so we're going to specify it based off of your application and then we're also going to let you know what the best ways for saying the documents to us are now the process will take about 24 hours you pre-approved the date that we get all of your documents and then if you want like if we're going to be buying let's say in Dallas Texas or it's a very very hot market right now a lot of all-cash out there we're going to want to do a fully underwritten approval up front where we can close in as fast as two weeks because that's the best way that sellers are going to know like I said hey you know what we got many other all-cash offer first I can close this fast and here's the verification of it then we'll go on at and accept your offer so in some markets you guys um I will advise if it's better to do the full approval which takes a little bit longer but if you just want to get pre-approved of the standard way to go out and start shopping like I said it only take about 24 hours in the day to get all of your documents and now the pre-approval letter and the rate cost options will be emailed to you once my branch underwriter has received all your documents and completed that underwrite so once Android is done I send you the email accept the pre-approval letter on there and then again I'm going to have all the options for 20% and 25% down it was the primary residence obviously whatever terms or program you'd like that we've discussed on our initial phone call and obviously I'll be having all those options sent over to you now throughout this process you guys I'm always available on my cell it's nine four nine nine seven three five two two six I have two personal loan assistants and I have free long processors the reason why I have that many people working for me and two other loan officer is so that I can always be available for you on the phone when you need me I do not do anything to deal with tax return to documentation anymore because I need to be available to go over file structure interest rate fee if you need me at 9:30 at night because something is coming up because maybe you lost your job I need to be available for you and I urge you to always contact me and call me so that we can talk things out I'm big on email but I'm bigger on talking okay so know that before you get into the process three now sir I'm just going to go over a few of my branches my selling California branch it's in San Clemente California we're actually right across the street from us up next anybody that ever comes down to the area it's old historic City Hall building topic Del Mar Street um that's my business development aisle right there in the far left that I took that picture and then we recently opened up in Northern California branch as well up in Walnut Creek we've got a lot of clients now up northern Northern California we've been doing area seminars with Marfa reticence constant about 2005 up there um so I mean again we just really built a large clientele out there and we now have a branch that so Randy Cohen actually does for any of you they actually live in the Bay Area Randy homework should be on route by events disappointing week so if you guys want to meet him there in person he'll be there and then I fly up to the Bay Area to this branch every third month to do more shredding seminars and to meet with my loan officers and thank you so much for listening it's my baby girl she's six months old actually today and she wants to thank you all for listening so that's that's my dad and I was picture we took on a Father's Day and thanking you guys for listening um I hope that you guys choose the right lender I hope you take my advice and work with somebody that's available for you and again you guys very very important select somebody that has a good amount of line reputation especially when you're buying property because sellers are always going to take a look at that okay and without further ado I will pass along back to Christian Taylor thank you so much we'd really appreciate it a quick question before we kind of hop off here and before I wrap it up this one comes from Cindy she says Kristin this is a lot of good information and a lot to process how involved do I actually need to be as a borrower a really really good question so if she's asking how involved you need to be I mean we can do everything via email as long as you're willing to send all of your documents and you know be a Dropbox or PDF or complimentary UPS like I mean Jana myself and Brian we you know we can we can work with you whatever way is best for you on we can make it pretty hands-off in the sense of not really needing to do a lot of on the phone stuff but I mean it's definitely a hands-on process regards to documentation there's no way to get a loan by just doing an application these days unless you want to put 40% down and utilize private money financing which Martha rheticus got some phenomenal rates for that perfect Thank You Reid um there's a couple couple of other questions here that will make sure that we that we get to of gonna keep you guys all night although I'm I know you're just dying to stay on and listen to us talk a little bit more read again I want to thank you so much everybody Mike Reid said he is available on his cell anytime work with him on countless transactions and he's very responsive like you said via email via telephone so any any questions that you guys have anything that you need you can contact me my information up here my phone number here in the office to find me directly is nine four nine eight eight five five one six two if you call the office line my gatekeepers are going to ask you what their calls in regards to so just let me know you were on tonight's webinar and they'll set up a time for us to chat my email address is up here too again you can contact me in either way a cell phone or email um I will get back to you in 24 hours I promise and if you have questions tonight I you learn that we weren't able to answer on the air rest assure that we will be in contact with you those of you who already are looking at property and are ready to get approved with a letter we'll make sure you get connected directly with Reed and once again my name is Kristen Chebar I'm an advisor here and a realtor and Marshall Roddick real estate I want to thank you guys all so much for being on tonight's presentation Reed thank you again so much was very good you very great information great presentation and thanks everybody have a great night thanks you guys have a good

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A smarter way to work: —how to industry sign banking integrate

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How to eSign and fill out a document online How to eSign and fill out a document online

How to eSign and fill out a document online

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How to eSign and complete documents in Google Chrome How to eSign and complete documents in Google Chrome

How to eSign and complete documents in Google Chrome

Google Chrome can solve more problems than you can even imagine using powerful tools called 'extensions'. There are thousands you can easily add right to your browser called ‘add-ons’ and each has a unique ability to enhance your workflow. For example, how do i industry sign banking alaska document myself and edit docs with airSlate SignNow.

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How to digitally sign documents in Gmail

Gmail is probably the most popular mail service utilized by millions of people all across the world. Most likely, you and your clients also use it for personal and business communication. However, the question on a lot of people’s minds is: how can I how do i industry sign banking alaska document myself a document that was emailed to me in Gmail? Something amazing has happened that is changing the way business is done. airSlate SignNow and Google have created an impactful add on that lets you how do i industry sign banking alaska document myself, edit, set signing orders and much more without leaving your inbox.

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How to safely sign documents in a mobile browser How to safely sign documents in a mobile browser

How to safely sign documents in a mobile browser

Are you one of the business professionals who’ve decided to go 100% mobile in 2020? If yes, then you really need to make sure you have an effective solution for managing your document workflows from your phone, e.g., how do i industry sign banking alaska document myself, and edit forms in real time. airSlate SignNow has one of the most exciting tools for mobile users. A web-based application. how do i industry sign banking alaska document myself instantly from anywhere.

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How to electronically sign a PDF file on an iPhone How to electronically sign a PDF file on an iPhone

How to electronically sign a PDF file on an iPhone

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How to electronically sign a PDF on an Android How to electronically sign a PDF on an Android

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When a client enters information (such as a password) into the online form on , the information is encrypted so the client cannot see it. An authorized representative for the client, called a "Doe Representative," must enter the information into the "Signature" field to complete the signature.

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To sign and file a document on the desktop in PDF or Word format, select Print on desktop and select the appropriate document type: For most of the documents you print, you will find that the file size is about inches on each side, and the page height is about 4 inches. For most of the documents you print, you will find that the file size is about inches on each side, and the page height is about 4 inches. For special document types, such as legal documents, you may find that the file size is only about inches on each side and the page height is much shorter. If that is the case, you will only need to use the Adobe Acrobat viewer application to view the document. How to sign on the web To sign a document on the web, select Sign to PDF:

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How to save a file from Adobe Illustrator? How to convert a PDF or image file to TIF file? How to use a program to convert a PDF file to TIF file? How to save a file from Adobe InDesign? How to save a file from Adobe InDesign to TIF? How to use a program to convert a TIF to PDF? How to save a PDF from Adobe PhotoShop? How to save a PDF from Adobe PhotoShop to PDF?