How to Buy a House in California

How to Buy a House in California

http://www.nolo.com/products/how-to-buy-a-house-in-california-bhca.html

Select Your Format

eBook (Downloadable)

4.79 Mb, Format: PDF, EPUB, MOBI

Price: $34.99 $24.49

You Save: $10.50 (30% discount)

Book

Price: $34.99 $27.99

You Save: $7.00 (20% discount)

How to Buy a House in California

, California Real Estate Broker; , California Real Estate Broker; and , Attorney

, 15th Edition

Buy a home in California for the best price possible with this all-in-one guide.  How to Buy a House in California will help you make informed, practical decisions that could save you thousands of dollars.  You'll learn how to:

  • find the right agent
  • get the most up-to-date information on mortgage options and rates
  • make an offer and negotiate the best price

Strategies that work in California's unique market

Looking for a house in the Golden State?  How to Buy a House in California will show you how to get a house you can afford and will enjoy living in for many years.

 With this bestseller in hand, you'll learn how to:

  • choose a house and neighborhood you'll love
  • select and manage a knowledgeable, hard-working agent
  • qualify for the best mortgage
  • figure out how much down payment you can afford
  • make an offer and negotiate a good deal
  • compete in multiple-bid situations
  • inspect a house for problems and hazards
  • buy and sell houses simultaneously
  • get through escrow successfully

This 15th edition is completely updated with tips on how to deal with increasing prices and tightened lending practices. Plus, you’ll find information on new laws regarding buying a foreclosure home.

Packed with checklists and financial information, How to Buy a House in California will guide you step-by-step through the process of buying a home.

Check out Nolo's list of California products for your other legal tasks. Not a California resident? Check out Nolo's Essential Guide to Buying Your First Home for information on buying a home in your state.

 

“A valuable resource for California homebuyers and real estate professionals.”  - San Francisco Chronicle

“The most complete book for California homebuyers.”  - The Los Angeles Times

“Brimming with information on buying a house in California.” - Oakland Tribune

ISBN
9781413321081
Number of Pages
352
Included Forms

  • Ideal House Profile
  • House Priorities Worksheet
  • House Comparison Worksheet
  • Family Financial Statement
  • Directions for Completing the Family Financial Statement
  • George Devine

    The late George Devine was a licensed real estate broker and a widely respected educator in the real estate field. He obtained a B.A. from the University of San Francisco, and an M.A. from Marquette University, and pursued additional studies at San Francisco State University, Seton Hall University, Fordham University, New York University, the University of California at Berkeley, and other academic institutions. Before his death in 2015, he taught real estate at the McLaren School of Business at the University of San Francisco, where he was named the Outstanding Adjunct Professor. For several years, George wrote the popular "Real Estate Handbook" column in the weekly Real Estate Guide section of the San Francisco Progress. He authored For Sale By Owner in California and co-authored How to Buy a House in California.

  • Ira Serkes

    Ira Serkes is a local Realtor with RE/MAX Real Estate (www.berkeleyhomes.com) and a Certified Residential Specialist. He and his wife, Carol, specialize in helping home buyers and sellers throughout the east bay. He is a founding member of The Institute for Luxury Home Marketing and author of Nolo's How to Buy a House in California and Get the Best Deal When Selling Your Home -- San Francisco Bay Area Edition from Gabriel Publications. Serkes is also a graduate of Realtors Institute (GRI), a Certified Internet Real Estate Professional (e-Pro), a Seniors Real Estate Specialist (SRES) and one of only 4,000 U.S. an Accredited Buyer Representatives (ABR).

  • Ralph Warner

    Ralph "Jake" Warner, a pioneer of the do-it-yourself law movement, founded Nolo with Ed Sherman in 1971. Nolo began publishing do-it-yourself law books written by Jake and his colleagues after numerous publishers rejected them. When personal computers came along, he added software to many Nolo books. When the Internet arrived, he championed the move online, where Nolo published huge amounts of free legal information.

    In addition to running Nolo for much of its first 40 years, Warner was an active editor and author. He wrote many books, including Retire Happy: What You Can Do Now to Guarantee a Great Retirement and Save Your Small Business: 10 Crucial Strategies to Survive Hard Times or Close Down & Move On. Today, he operates a storytelling repertory group, Jake's Tales, devoted to keeping alive the tradition of telling children wonderful stories.

    Warner holds a law degree from Boalt Hall School of Law at the University of California at Berkeley and an undergraduate degree in history from Princeton.

1. Describe Your Dream Home

  • You Know the House You Want to Buy
  • Don’t Be Talked Into Buying the Wrong House
  • Identify Your Ideal House Profile
  • Create a House Priorities Worksheet
  • Prepare a House Comparison Worksheet

2. How Much House Can You Afford?

  • The Basics of Determining Housing Affordability
  • Prepare a Family Financial Statement
  • How Much Down Payment Will You Make?
  • Estimate the Mortgage Interest Rate You’ll Likely Pay
  • Calculate How Much House You Can Afford
  • Tips on Improving Your Financial Profile
  • Get Loan Preapproval

3. Narrowing the Affordability Gap: How to Afford Buying a House

  • Why California Houses Are Expensive
  • Rent and Wait?
  • Fix Up the House You Already Own
  • Strategies for Buying an Affordable House

4. Raising Money for Your Down Payment

  • Assisted No and Low Down Payment Plans
  • Five and Ten Percent Down Payment Mortgages
  • Will You Have to Buy Private Mortgage Insurance?
  • How Much Should Your Down Payment Be?
  • Using Equity in an Existing House as a Down Payment on a New One
  • Using a Gift to Help With the Down Payment
  • Borrowing Down Payment Money From a Relative or Friend
  • Is It a Gift or a Loan? Sometimes It Pays to Be Vague
  • Borrowing From Your 401(k) Plan 6
  • Tapping Into Your IRA

5. Working With Real Estate Professionals

  • Best and Worst Aspects of Working With a Real Estate Professional
  • Who Your Real Estate Agent Really Works For
  • Hire an Agent by the Hour
  • Finding a Good Agent
  • How Not to Find an Agent
  • Getting Rid of a Broker or Agent You Don’t Like

6. How to Find a House

  • The Best Time to Look for Houses
  • Organizing Your House Search
  • Where to Look for Houses
  • Use an Agent With Good Technical Skills
  • Enlist the Help of Personal Contacts
  • Finding a House When You’re New to an Area
  • Finding a Newly Built House

7. New Houses, Developments, and Condominiums

  • Pitfalls and Pluses of Buying a New House
  • Choose the Developer, Then the House
  • Using a Real Estate Agent or Broker
  • Financing a New House
  • Optional Add-Ons and Upgrades
  • Choosing Your Lot
  • Restrictions on the Use of Your Property: CC&Rs
  • Dealing With Delays
  • Inspect the House Before Closing
  • Guarantees and Warranties

8. Financing Your House: An Overview

  • How Mortgage Lenders Think
  • Who Lends Mortgage Money?
  • Standardized Loans: Fannie Mae, Freddie Mac, and the Secondary Mortgage Market
  • Mortgage Types
  • Comparing Fixed Rate and Adjustable Rate Mortgages
  • The Cost of Getting a Loan
  • Which Mortgage Is Best for You?

9. Fixed Rate Mortgages

  • Should You Choose a Fixed Rate Mortgage If You Can Afford One?
  • Not All Fixed Rate Mortgages Are the Same: Down Payments, Points, Interest Rates, and Other Variables
  • Mortgages’ Lengths and Payment Schedules

10. Adjustable Rate Mortgages

  • When Should You Finance With an ARM?
  • Loan and Payment Caps
  • ARM Indexes and Margins
  • Assumability
  • Prepayment Penalties
  • Hybrid Adjustable Rate Mortgage
  • Summing Up—What Good ARMs Look Like

11. Government-Assisted Loans

  • Veterans Affairs Loans
  • Federal Housing Administration Financing
  • California Housing Finance Agency Programs
  • CalVet Loans
  • Municipal Financing Programs

12. Private Mortgages

  • Advantages of Private Mortgages
  • Get a Loan From Friends or Relatives
  • Shared Equity Transactions
  • Second Mortgages—Financing by Sellers
  • Second Mortgages—Financing by Private Parties Other Than the Seller

13. Obtaining a Mortgage

  • Gather Information on Mortgage Rates and Fees
  • Researching Mortgages Online
  • Interview Lenders
  • Apply For and Get a Loan
  • Get Your House Appraised

14. Buying a House When You Already Own One

  • Check the Housing Market Carefully
  • How to Briefly Own Two Houses
  • Tax Breaks for Selling Your Home

15. What Will You Offer?

  • How a Contract Is Formed
  • Decide What You Will Offer
  • What Is the Advertised Price?
  • How Much Can You Afford?
  • What Are Prices of Comparable Houses?
  • Is the Local Real Estate Market Hot or Cold?
  • Is the House Itself Hot or Cold?
  • What Are the Seller’s Needs?
  • Is the House Uniquely Valuable to You?
  • How Much Are You Willing to Pay?
  • Making the Final Price Decision
  • Other Ways to Make Your Offer Attractive

16. Putting Your Offer in Writing

  • What Makes an Offer Legally Valid
  • How Offers and Counteroffers Are Made
  • What Your Purchase Agreement Should Cover

17. Presenting Your Offer and Negotiating

  • Notify the Seller of Your Offer
  • Present Your Offer
  • The Seller’s Response to Your Offer
  • Negotiate by Counteroffers
  • An Offer Is Accepted—A Contract Is Formed
  • Revoking an Offer or Counteroffer
  • Making a Backup Offer

18. After the Contract Is Signed: Escrow, Contingencies, and Insurance

  • Open Escrow
  • Remove Contingencies
  • Obtain Hazard Insurance
  • Obtain Title Report and Title Insurance
  • Conduct Final Physical Inspection of Property
  • Closing Escrow

19. Check Out a House’s Condition

  • Development of California's Disclosure Requirements
  • Real Estate Transfer Disclosure Statement
  • Natural Hazard Disclosure Statement
  • Earthquake and Seismic Disclosures
  • Environmental Hazards
  • Lead
  • Disclosure of Deaths
  • Disclosure of Military Ordnance
  • Local Disclosures
  • Inspecting the Property Yourself
  • Arranging Professional Inspections
  • Are the Repairs Really Needed?
  • Who Pays for Defects?
  • Ask for a Home Warranty

20. Legal Ownership: How to Take Title

  • One Unmarried Person
  • Two or More Unmarried People
  • Couple or Domestic Partners Owning Together
  • Married Person Owning Alone
  • Partnership
  • Placing the Property in a Living Trust

21. If Something Goes Wrong During Escrow

  • The Seller Backs Out
  • The Seller Refuses to Move Out
  • You Back Out
  • The Seller Dies
  • You Discover a Defect in the Property
  • The House Is Destroyed by Natural Disaster (Fire, Earthquake, Flood)
  • House-Hungry Martians Take Possession of the House
  • Finding a Lawyer

Appendixes

A. Welcome to California

  • Climate and Geography
  • Natural Hazards
  • Pollution
  • Nuclear Plants
  • Schools
  • Traffic
  • Crime

B. Real Estate Websites

  • Top Real Estate Websites
  • How to Find a California Statute Online

C. Planning Your Move

  • Tax-Deductible Moving Expenses and Costs of Sale
  • Moving Checklist: Two Weeks Before Moving
  • Things to Remember While Packing
  • Who Should Get Changes of Address
  • Things to Do After Moving In

D. Using the Interactive Forms

  • Editing RTFs
  • List of Forms

Index

Chapter 1
Describe Your Dream Home

 

You Know the House You Want to Buy........................................... 4

Don’t Be Talked Into Buying the Wrong House................................ 4

Identify Your Ideal House Profile...................................................... 5

     Must Haves: Mandatory Priorities.............................................. 5

     Hope to Have: Secondary Priorities........................................... 6

      Absolute No Ways..................................................................... 6

Create a House Priorities Worksheet............................................... 6

Prepare a House Comparison Worksheet........................................ 8

 

You Know the House You Want to Buy

Given your family’s needs, tastes, and finances, you probably already have a good idea of the type of house you want to buy. Because this is true, we skip the typical first chapter in many home buyers’ books, in which the author compares such things as the joys of living on a dusty road in outer suburbia to the convenience of living in a townhouse in a major city. If you haven’t already thought these things through, you may need to do some critical self-evaluation before beginning your home search.

 

SKIP Ahead

Already found the house you want and mainly interested in the ins and outs of financing? Skip ahead to Chapter 2, How Much House Can You Afford?

Don’t Be Talked Into Buying the Wrong House

Many California buyers face an affordability gap between the house they’d like to buy and the one they can afford. “In 2013, after years of declining prices, California became a strong seller’s market,” says Ira Serkes. Without an organized house-buying approach, you might be talked into compromising on the wrong house by friends, relatives, a real estate agent, or even yourself.

“Not me. I know my own mind,” you say. “Don’t be too sure,” we reply. Every day, confident and knowledgeable home seekers become so anxious and disoriented that they leap into deals they later come to regret.

Tips on Searching New Places

Perhaps you’ve heard it said that choosing a house’s location wisely is as important as picking a good house. In a state the size of California, it’s a vast understatement to say you have a lot of locations to choose from. To help you think about specific California areas, we include Appendix A, Welcome to California.

Despite the title, Welcome to California isn’t meant only for newcomers to the state. Whether you’re a San Franciscan moving closer to a San Ramon job, a New Yorker relocating to Los Angeles, or simply someone unfamiliar with certain California areas, you’ll find a wealth of information. In addition, in Chapter 5 we discuss working with a local real estate agent to get essential information on neighborhoods.

But there’s still no substitute for your own legwork. Chat with friends and colleagues, walk and drive around neighbor­hoods, talk to local residents, read local newspapers, check the library’s community resources files, visit the local planning department, and do whatever else will help you get a ­better sense of a neighborhood or city.

 

Here is our method to ensure that you buy a house you’ll enjoy living in:

Firmly establish your priorities before looking at houses.

Insist that any house you offer to buy meets at least your most important priorities (even if you must compromise in other areas).

In the following sections, we help you consider a range of house features, establish your priorities, and compare potential houses.

Identify Your Ideal House Profile

It’s easy to become overwhelmed by the array of home choices, from size to style to floor plan and fixtures. Then, there’s the issue of location—houses come in all sorts of neighborhoods, school districts, and potential hazard zones (fire, earthquake, and flood, to name a few). And, of course, price and purchase terms are crucial considerations. To cope with all these and at least a dozen other ­relevant variables, it’s essential to establish your ­priorities in advance and stick to them.

The first step is to identify house features most important to you by completing our Ideal House Profile, which lists all major categories such as upper price limit, number and type of rooms, and location. A sample is shown below.

 

form

You can download a copy of the Ideal House Profile. Go to the companion Web page for this book; you’ll find the URL in Appendix D.

If you’re buying with another person, prepare your list of priorities together, so that each person’s strong likes and dislikes are respected and you have any arguments before you’re with a real estate agent.

Must Haves: Mandatory Priorities

Use the Ideal House Profile to name what you must have in a house, such as a particular city or neighborhood. Since price is an obvious consideration, fill in the top section first. For example, under Upper price limit you might note $800,000, with a Maximum down payment of $160,000. Then fill in the rest of the form.

 

Tip

Pay close attention to the School needs category. If you have children, buying a great house at a great price in a lousy school district may mean years of paying for private schools. By contrast, paying a little more for a good house in an excellent school district may be a bargain in the long run. And if you plan to move in a few years, it will be easier to sell a house in a good school district, because that feature is important to many potential buyers.

If you have two kids, you might note that three bedrooms, excellent public schools, and a street with lots of children are must haves. If you plan to live in the house after retirement, a minimal number of stairs and short distances to shops and services may be must haves.

Hope to Have: Secondary Priorities

Once you’ve compiled your list of must haves, jot down features that you’d like but aren’t crucial to your decision of whether to buy. For example, under Type of yard and grounds, you might note patio and flat back yard in the Hope to Have column. Or under Number and type of rooms, you might list finished basement or master bedroom with bath.

Take a second look at your Must Have column. If you’re typical, you may wonder how you will ever afford a house with the features you’ve listed. Don’t despair—at least, not until you understand the strategies ­(discussed in Chapter 3) to help you buy an affordable house. For now, you might need to change a couple of must haves to “hope to haves.”

Absolute No Ways

Be sure to list your “Absolute no ways” (you will not buy a house that has any of these features) at the bottom of the Ideal House Profile. Avoiding things you’ll always hate—such as a house in a flood zone, poor school district, or high-crime area—can be even more important than finding a house that contains all your mandatory priorities.

If you’re moving into a new-house develop­ment or condominium, be sure to check into covenants, conditions, and restrictions (CC&Rs), which may be quite detailed and restrict everything from the color of your house to your landscaping. (CC&Rs are discussed in more detail in Chapter 7.)

Once you’ve completed your Ideal House Profile, you’re ready to create a House Priorities Worksheet, which will help you see how each house stacks up with your priorities.

Create a House Priorities Worksheet

Now use the information collected in your Ideal House Profile to create a master House Priorities Work­sheet.

Enter the relevant information under each major category—Must Have, Hope to Have, and Absolute no ways. A sample is shown below.

 

form

You can download a copy of the House Priorities Worksheet. Go to the companion Web page for this book; you’ll find the URL in Appendix D.

Once you have completed your House Priorities Worksheet to your (and your partner’s) satisfaction, make several copies to carry with you on home visits.

For each house you see, fill in the top of the House Priorities Worksheet. As you walk around and talk to the owner or agent, enter a check mark if the house has a desirable or undesirable feature. Also, make notes next to a particular feature if it can be changed to meet your needs (for example, an okay kitchen that could be modernized for $45,000).

Don’t Be Fooled by Staged Homes

House “staging” is now a regular practice in home sales. The right paint, furniture, music, and smells can create illusions that would make Martha Stewart and Houdini jealous. Furniture is often extra small to make the house look large. The point is to optimize the charms of a house.

Also, notes coauthor Ira Serkes, “Your first impression of the home is likely to come from online photos; but keep in mind that one reason sellers stage their homes is that photos of staged homes look far better than those of vacant ones.”

So if you visit a house that just reeks of charm—look behind, above, and below. Imagine it empty, or with your own furniture, office equipment, kids’ toys, and toothbrushes.

 

Add comments at the bottom, such as “potential undeveloped lot next door” or “neighbors seem friendly.” If you look at a lot of houses, taking notes such as these will help make sure you don’t forget important information.

You should seriously consider only those houses with all or most of your must haves and none of your no ways. If you visit a nice, reasonably priced house that doesn’t come close to matching your list and can’t be easily changed to do so, say no. Take the time to find a more suitable house; you’ll be glad you did.

 

Tip

Set up a good filing system. As the list of houses you look at grows, failing to adopt a good system may lead to revisiting houses you’ve already seen and rejected or making decisions based on half-remembered facts. For each house that seems like a possible prospect, make a file that includes a completed House Priorities Worksheet, the information materials provided when you toured the home, the Multiple Listing Service information, ads, and your notes. Or, if you are more digitally inclined, set up a simple database with key details on each house you visit. (For advice, see “Organizing Your House Search” in Chapter 6.)

Prepare a House Comparison Worksheet

If, like many people, you look at a consider­able number of houses over an extended period of time—or even in the space of a week—you may soon have trouble distinguishing or com­paring their features. That’s where our House Comparison Worksheet comes in.

Across the top of the form, list the addresses of the three or four houses you like best. In the left column, fill in your list of priorities and no ways from your Ideal House Profile and House Priorities Worksheet. Then put a check mark on the line under each house that has that feature to allow for a quick comparison.

A sample is shown below.

 

Ideal House Profile

Upper price limit:

$800,000

 

 

 

 

 

Maximum down payment:

$240,000

 

 

 

 

 

Special financing needs:

N/A

 

 

 

 

 

 

 

 

 

 

 

 

Must Have

 

Hope to Have

Neighborhood or location:

 

 

 

 

Northern Berkeley

 

3

 

 

Near Oxford Street

 

 

 

3

School needs:

 

 

 

 

Berkeley High School

 

3

 

 

Desired neighborhood features:

 

 

 

 

Quiet street with little traffic

 

3

 

 

Walking distance to Solano Avenue

 

3

 

 

Neighborhood association

 

 

 

3

Lots of trees

 

 

 

3

Length of commute:

 

 

 

 

Maximum of 15 minutes drive to Berkeley office

 

3

 

 

Access to public transportation:

 

 

 

 

Walking distance to S.F. express buses

 

3

 

 

Size of house:

 

 

 

 

Minimum 1,600 square feet

 

3

 

 

Number and type of rooms:

 

 

 

 

3 bedrooms/2 baths

 

3

 

 

Modern kitchen

 

3

 

 

Family room for kids

 

 

 

3

Eat-in kitchen or breakfast nook

 

 

 

3

Condition, age, and type of house:

 

 

 

 

Good shape, less than 100 years old

 

3

 

 

Type of yard and grounds:

 

 

 

 

Fenced-in yard

 

3

 

 

Private yard

 

 

 

3

Other desired features:

 

 

 

 

Easy parking

 

3

 

 

Lots of light

 

 

 

3

Absolute no ways:

 

 

 

 

House in an active or potential slide zone

 

 

 

 

 

 

House Comparison Worksheet

House 1                                                                                                                 

House 2                                                                                                                 

House 3                                                                                                                 

House 4                                                                                                                 

 

 

1

 

2

 

3

 

4

Must have:

 

 

 

 

 

 

 

 

North Berkeley neighborhood

 

3

 

3

 

3

 

3

Berkeley High School

 

3

 

3

 

3

 

3

Quiet street with little traffic

 

3

 

3

 

 

 

 

Walking distance to Solano Avenue

 

 

 

3

 

3

 

3

Maximum of 15 minutes drive to Berkeley office

 

3

 

 

 

3

 

3

Walking distance to S.F. express buses

 

3

 

 

 

 

 

3

Minimum 1,600 square feet

 

3

 

3

 

 

 

3

3 bedrooms/2 baths

 

3

 

3

 

 

 

3

Modern kitchen

 

 

 

 

 

3

 

 

Good shape, less than 100 years old

 

 

 

3

 

 

 

3

Fenced-in yard

 

3

 

3

 

3

 

 

Easy parking

 

 

 

 

 

3

 

3

 

 

 

 

 

 

 

 

 

Hope to have:

 

 

 

 

 

 

 

 

Oxford or Spruce Street

 

 

 

3

 

 

 

 

Neighborhood association

 

 

 

3

 

3

 

 

Lots of trees

 

3

 

 

 

3

 

3

Family room for kids

 

3

 

 

 

 

 

 

Eat-in kitchen or breakfast nook

 

3

 

3

 

3

 

 

Private yard

 

3

 

3

 

3

 

 

Lots of light

 

 

 

3

 

3

 

3

 

 

 

 

 

 

 

 

 

Absolute no ways:

 

 

 

 

 

 

 

 

House in an active or potential slide zone

 

3

 

3

 

3

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ellen: How Not to Buy a House

I was a first-time buyer on a relatively tight budget when I set out to buy an older, attached row house in San Francisco. I wanted two bed­rooms, no (or a very small) yard, proximity to a downtown bus route, and walking access to a neighborhood market and bookstore. I looked for many months at houses that were completely unsuitable, far too expensive, or, with depressing regularity, both. So I broadened my search by reading the classifieds. When I saw that prices were more reasonable in the suburbs, I spent a sunny Sunday afternoon browsing in Contra Costa County.

At the first open house I visited, I met an energetic real estate agent who spun a wonder­ful word picture of the joys of suburban life: lots of sun, room for a tomato garden, and friendly neighbors. She showed

me a split-level house with an apple tree in full bloom in my price range. Almost before I realized what I was doing, I signed on the bottom line.

That was the fun part. Soon I was getting up at 6:00 a.m., driving to the train station, and standing for the 40-minute ride to San Francisco. My fantasy about the joy of suburban life was just that. It’s hard to believe now, but I seemed to have temporarily overlooked the fact that I’m allergic to direct sun, detest tomatoes, and moved out of the suburbs to get away from overly involved neighbors.

Fortunately, I sold the house six months later, at a small profit. I went in with a friend and together we bought a house in San Francisco that meets my needs perfectly.

 

 

form

You can download a copy of the House Comparison Worksheet. Go to the companion Web page for this book; you’ll find the URL in Appendix D.

 

This Book Comes With a Website

Nolo’s award-winning website has a page dedicated just to this book, where you can:

DOWNLOAD FORMS - All forms in this book are accessible online. After purchase, you can find a link to the URL in Appendix D.

KEEP UP TO DATE - When there are important changes to the information in this book, we will post updates

And that’s not all. Nolo.com contains thousands of articles on everyday legal and business issues, plus a plain-English law dictionary, all written by Nolo experts and available for free. You’ll also find more useful books, software, online services, and downloadable forms.

Customers Who Bought This Item Also Bought