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Request a demoA short demo follows one purchase file: Entract opens it from the order email, fills in the order from the contract with page citations, drafts the commitment, balances the settlement ledger, catches a $30 error on the lender’s Closing Disclosure, and leaves follow-up drafts for your team to review and send.
01 · Order email
The order email arrives
The buyer’s attorney sends the contract and mortgage commitment.
02 · Routing
Entract opens the file
03 · Order entry
The documents fill in the order
Parties, price, loan and closing date.
04 · Citations
Every figure cites its page
Click the sales price and the contract opens at the line it came from.
05 · Commitment
The commitment is drafted from the search
In your office’s standard clauses.
06 · Ledger
The settlement ledger fills in and balances
Every line posts from the documents, with its source.
07 · Closing figures
The lender’s CD is checked against your ledger
Entract catches the $30 mortgage tax exclusion the lender skipped.
08 · Drafts
Drafts are ready when you are
09 · To-dos
The file keeps moving between check-ins
To-dos check off as documents arrive, with follow-ups drafted for what’s missing.
10 · Automations
Automations work your files on a schedule
Anything you’d ask Entract, run on a schedule or on demand.
One file, start to close
Every part of the file, worked by Entract
Request a demo
CONTRACT OF SALE
THIS CONTRACT, made as of September 24, 2026, between MARTIN CALLOWAY and RUTH CALLOWAY, residing at 88 Wren Hollow Road, Rhinebeck, New York 12572 (“Seller”), and DANA OKAFOR, residing at 410 Garrison Avenue, Poughkeepsie, New York 12601 (“Purchaser”).
1. Premises.
Seller shall sell and convey and Purchaser shall purchase the property, together with all buildings and improvements thereon, known as 88 Wren Hollow Road, Town of Rhinebeck, County of Dutchess, State of New York, Section 6270, Block 00, Lot 482110 on the Tax Map (the “Premises”), more fully described in Schedule A annexed hereto.
2. Personal Property.
The sale includes all fixtures and articles of personal property attached to or used in connection with the Premises, including the range, refrigerator, dishwasher, washing machine and dryer, all window treatments and the generator, free of all liens and encumbrances.
Excluded from this sale are the dining room chandelier and the garden statuary.
2. Personal Property (continued).
Seller represents that the personal property included in this sale is owned by Seller and is in working order as of the date hereof, and Seller shall deliver it in the same condition at Closing, reasonable wear and tear excepted.
Seller shall remove from the Premises prior to Closing all personal property not included in this sale and shall repair any damage caused by such removal.
The parties agree that the personal property has no value beyond that of the realty and that no portion of the Purchase Price is allocated to it for the purpose of any transfer tax.
3. Purchase Price.
The purchase price is SIX HUNDRED TWELVE THOUSAND and 00/100 Dollars ($612,000.00), payable as follows:
(a) on the signing of this contract, by Purchaser’s check payable to the Escrowee, subject to collection, the receipt of which is hereby acknowledged, to be held in escrow pursuant to paragraph 6 of this contract (the “Downpayment”): $61,200.00
(b) by allowance for the principal amount unpaid on the existing mortgage on the date hereof, payment of which Purchaser shall not assume: $0.00
(c) by a purchase money note and mortgage from Purchaser to Seller: $0.00
(d) balance at Closing in accordance with paragraph 7: $550,800.00
4. Existing Mortgage.
The Premises shall be conveyed free of any existing mortgage. Seller shall deliver a satisfaction of the mortgage held by Ridgeline Bank at or before Closing.
5. Acceptable Funds.
All money payable under this contract, unless otherwise specified, shall be paid by good certified check of Purchaser drawn on or official check issued by any bank, savings bank, trust company or savings and loan association having a banking office in the State of New York.
6. Downpayment in Escrow.
Seller’s attorney (“Escrowee”) shall hold the Downpayment in escrow in a segregated bank account until Closing or sooner termination of this contract and shall pay over or apply the Downpayment in accordance with the terms of this paragraph.
8. Mortgage Commitment Contingency.
The obligation of Purchaser to purchase under this contract is conditioned upon issuance, on or before 45 days after a fully executed copy of this contract is given to Purchaser, of a written commitment from an Institutional Lender pursuant to which such Institutional Lender agrees to make a first mortgage loan to Purchaser, at Purchaser’s sole cost and expense, of $489,600.00.
9. Permitted Exceptions.
The Premises are sold and shall be conveyed subject to zoning and subdivision laws, consents for the erection of any structures on the Premises, and the state of facts shown on the survey.
15. Closing Date and Place.
The Closing shall take place at the office of Purchaser’s lender’s attorney on or about November 23, 2026, or, upon reasonable notice by Purchaser, at the office of Seller’s attorney.
16. Conditions to Closing.
This contract and Purchaser’s obligation to purchase the Premises are also subject to and conditioned upon the fulfillment of the conditions precedent set forth in this paragraph.
Check every file closing in the next 7 days. Draft follow-ups for anything missing and send the closing team a short report.
- Owner’s policy
- Dana Okafor$612,000.00
- Loan policy
- Northfield Home Lending, its successors and/or assigns$489,600.00
- Vested in
- Martin Calloway and Ruth Calloway, as tenants by the entirety
- Premises
- 88 Wren Hollow Road, Town of Rhinebeck, Dutchess County. Tax grid 6270-00-482110
Cash to close: lender $69,576.80 · ours $69,576.80 off by $30.00matches
Section E shows mortgage tax of $3,916.80. For a one-family home in Dutchess the borrower’s share is $3,886.80 after the $30 exclusion. Could you issue a revised CD?
Please send a payoff statement for loan ending 4471, good through November 30, 2026, with the per diem. Their signed authorization is attached.
Schedule A and B, with 4 requirements and 3 exceptions.
Could the Calloways complete the attached W-9 before closing on November 23?
At Kessel & Burke LLP, lender’s counsel. Title bill attached: $8,376.80. Checks over $500 must be bank checks.
01 · Order email
The order email arrives
The buyer’s attorney sends the contract and mortgage commitment.
Orders inbox[email protected]LMLena Marsh, Esq. · Marsh Law PLLC9:12 AMNew purchase - 88 Wren Hollow Rd - OkaforPlease open a title order. My client Dana Okafor is purchasing 88 Wren Hollow Road from Martin and Ruth Calloway.Contract of sale.pdfMortgage commitment.pdfFiled to 26-0412RBRidgeline Bank Payoffs8:47 AMRe: Payoff for 14 Birch LnPayoff statement attached, good through November 9.Filed to 26-0391HLHalvorsen Land Surveying8:05 AMSurvey for File 26-0398Final survey and certification attached.Filed to 26-0398CTDutchess County ClerkYesterdayRecording confirmation, 301 Mill StDeed recorded in Liber 1312 cp 488.Filed to 26-0377NHNorthfield Home LendingYesterdayClear to close, 9 Orchard TerFinal approval issued. Closing package to follow.Filed to 26-03865 today02 · Routing
Entract opens the file
New fileFile 26-0412Purchase · New YorkOpened from Lena Marsh’s email · 9:12 AMProperty88 Wren Hollow Rd, RhinebeckContract p. 1PurchaserDana OkaforContract p. 1SellerMartin and Ruth CallowayContract p. 1Purchase price$612,000.00Contract p. 3Loan amount$489,600.00Mtg. commitment p. 1Purchaser’s attorneyLena Marsh, Esq.Contract p. 14Downpayment$61,200.00Contract p. 3LenderNorthfield Home LendingMtg. commitment p. 1Closing (on or about)November 23, 2026Contract p. 6Filled from 2 documents9 of 9 fields03 · Order entry
The documents fill in the order
Parties, price, loan and closing date.
New fileFile 26-0412Purchase · New YorkOpened from Lena Marsh’s email · 9:12 AMProperty88 Wren Hollow Rd, RhinebeckContract p. 1PurchaserDana OkaforContract p. 1SellerMartin and Ruth CallowayContract p. 1Purchase price$612,000.00Contract p. 3Loan amount$489,600.00Mtg. commitment p. 1Purchaser’s attorneyLena Marsh, Esq.Contract p. 14Downpayment$61,200.00Contract p. 3LenderNorthfield Home LendingMtg. commitment p. 1Closing (on or about)November 23, 2026Contract p. 6Filled from 2 documents9 of 9 fields04 · Citations
Every figure cites its page
Click the sales price and the contract opens at the line it came from.
Contract of sale.pdf13/ 14−100%+123456Residential Contract of SalePage 1 of 14CONTRACT OF SALE
THIS CONTRACT, made as of September 24, 2026, between MARTIN CALLOWAY and RUTH CALLOWAY, residing at 88 Wren Hollow Road, Rhinebeck, New York 12572 (“Seller”), and DANA OKAFOR, residing at 410 Garrison Avenue, Poughkeepsie, New York 12601 (“Purchaser”).
1. Premises.
Seller shall sell and convey and Purchaser shall purchase the property, together with all buildings and improvements thereon, known as 88 Wren Hollow Road, Town of Rhinebeck, County of Dutchess, State of New York, Section 6270, Block 00, Lot 482110 on the Tax Map (the “Premises”), more fully described in Schedule A annexed hereto.
2. Personal Property.
The sale includes all fixtures and articles of personal property attached to or used in connection with the Premises, including the range, refrigerator, dishwasher, washing machine and dryer, all window treatments and the generator, free of all liens and encumbrances.
Excluded from this sale are the dining room chandelier and the garden statuary.
Seller’s initials MC RCPurchaser’s initials DOResidential Contract of SalePage 2 of 142. Personal Property (continued).
Seller represents that the personal property included in this sale is owned by Seller and is in working order as of the date hereof, and Seller shall deliver it in the same condition at Closing, reasonable wear and tear excepted.
Seller shall remove from the Premises prior to Closing all personal property not included in this sale and shall repair any damage caused by such removal.
The parties agree that the personal property has no value beyond that of the realty and that no portion of the Purchase Price is allocated to it for the purpose of any transfer tax.
Seller’s initials MC RCPurchaser’s initials DOResidential Contract of SalePage 3 of 143. Purchase Price.
The purchase price is SIX HUNDRED TWELVE THOUSAND and 00/100 Dollars ($612,000.00), payable as follows:
(a) on the signing of this contract, by Purchaser’s check payable to the Escrowee, subject to collection, the receipt of which is hereby acknowledged, to be held in escrow pursuant to paragraph 6 of this contract (the “Downpayment”): $61,200.00
(b) by allowance for the principal amount unpaid on the existing mortgage on the date hereof, payment of which Purchaser shall not assume: $0.00
(c) by a purchase money note and mortgage from Purchaser to Seller: $0.00
(d) balance at Closing in accordance with paragraph 7: $550,800.00
4. Existing Mortgage.
The Premises shall be conveyed free of any existing mortgage. Seller shall deliver a satisfaction of the mortgage held by Ridgeline Bank at or before Closing.
Seller’s initials MC RCPurchaser’s initials DOResidential Contract of SalePage 4 of 145. Acceptable Funds.
All money payable under this contract, unless otherwise specified, shall be paid by good certified check of Purchaser drawn on or official check issued by any bank, savings bank, trust company or savings and loan association having a banking office in the State of New York.
6. Downpayment in Escrow.
Seller’s attorney (“Escrowee”) shall hold the Downpayment in escrow in a segregated bank account until Closing or sooner termination of this contract and shall pay over or apply the Downpayment in accordance with the terms of this paragraph.
Seller’s initials MC RCPurchaser’s initials DOResidential Contract of SalePage 5 of 148. Mortgage Commitment Contingency.
The obligation of Purchaser to purchase under this contract is conditioned upon issuance, on or before 45 days after a fully executed copy of this contract is given to Purchaser, of a written commitment from an Institutional Lender pursuant to which such Institutional Lender agrees to make a first mortgage loan to Purchaser, at Purchaser’s sole cost and expense, of $489,600.00.
9. Permitted Exceptions.
The Premises are sold and shall be conveyed subject to zoning and subdivision laws, consents for the erection of any structures on the Premises, and the state of facts shown on the survey.
Seller’s initials MC RCPurchaser’s initials DOResidential Contract of SalePage 6 of 1415. Closing Date and Place.
The Closing shall take place at the office of Purchaser’s lender’s attorney on or about November 23, 2026, or, upon reasonable notice by Purchaser, at the office of Seller’s attorney.
16. Conditions to Closing.
This contract and Purchaser’s obligation to purchase the Premises are also subject to and conditioned upon the fulfillment of the conditions precedent set forth in this paragraph.
Seller’s initials MC RCPurchaser’s initials DO05 · Commitment
The commitment is drafted from the search
In your office’s standard clauses.
Commitment · File 26-0412DraftFrom the title search received 10/08Schedule A- Owner’s policy
- Dana Okafor$612,000.00
- Loan policy
- Northfield Home Lending, its successors and/or assigns$489,600.00
- Vested in
- Martin Calloway and Ruth Calloway, as tenants by the entirety
- Premises
- 88 Wren Hollow Road, Town of Rhinebeck, Dutchess County. Tax grid 6270-00-482110
1.Deed from Martin Calloway and Ruth Calloway to Dana Okafor, reciting “being and intended to be” the premises conveyed to them by deed dated June 3, 2011.Standard clause2.Mortgage from Dana Okafor to Northfield Home Lending securing $489,600.00, to be recorded.Standard clause3.Mortgage made by Martin Calloway and Ruth Calloway to Ridgeline Bank, $360,000.00, dated March 14, 2019, recorded in Liber 1184 mp 220. Payoff letter required; satisfaction to be recorded.From search p. 44.Schedule B · ExceptionsAll taxes and assessments due and payable, with any penalties and interest, must be paid at closing.From tax search1.Rights of the public and others entitled thereto to use for road purposes that portion of the premises lying within Wren Hollow Road.Standard clause2.Easement to Valley Gas & Electric Corp. recorded in Liber 902 cp 61.From search p. 63.Survey made by Halvorsen Land Surveying, P.C. dated October 2, 2026 shows a wood fence along the easterly line varying 0.4± ft. onto the premises.From survey4 req · 3 exc06 · Ledger
The settlement ledger fills in and balances
Every line posts from the documents, with its source.
Settlement ledger · File 26-0412PostingBalancedLineSeller debitSeller creditBuyer debitBuyer creditConsideration and credits361,200.00612,000.00612,000.00550,800.00Purchase priceContract p. 3CD ✓612,000.00612,000.00Downpayment held by seller’s attorneyContract p. 3CD ✓61,200.0061,200.00New loan · NorthfieldMtg. commitment p. 1CD ✓489,600.00Payoffs and liens1318,442.17Payoff · Ridgeline BankPayoff letterCD ✓318,442.17Commissions130,600.00Hearth & Key RealtyListing agmt.CD ✓30,600.00Taxes22,448.003,886.80State transfer taxTP-584CD ✓2,448.00Mortgage taxTax Law § 253CD ✓3,886.80Recording2340.00Recording fee (deed)County feesCD ✓200.00Recording fee (mortgage)County feesCD ✓140.00Title33,900.00Owner’s policyTIRSA rateCD ✓2,814.00Lender’s policyTIRSA rateCD ✓591.00Municipal searchesFee scheduleCD ✓495.00Settlement services1250.00Closer feeFee scheduleCD ✓250.00Totals$412,690.17$612,000.00$620,376.80$550,800.00Due from buyer $69,576.80Due to seller $199,309.8313 of 13 lines07 · Closing figures
The lender’s CD is checked against your ledger
Entract catches the $30 mortgage tax exclusion the lender skipped.
Settlement ledger · File 26-0412PostingBalancedLineSeller debitSeller creditBuyer debitBuyer creditConsideration and credits361,200.00612,000.00612,000.00550,800.00Purchase priceContract p. 3CD ✓612,000.00612,000.00Downpayment held by seller’s attorneyContract p. 3CD ✓61,200.0061,200.00New loan · NorthfieldMtg. commitment p. 1CD ✓489,600.00Payoffs and liens1318,442.17Payoff · Ridgeline BankPayoff letterCD ✓318,442.17Commissions130,600.00Hearth & Key RealtyListing agmt.CD ✓30,600.00Taxes22,448.003,886.80State transfer taxTP-584CD ✓2,448.00Mortgage taxTax Law § 253CD ✓3,886.80Recording2340.00Recording fee (deed)County feesCD ✓200.00Recording fee (mortgage)County feesCD ✓140.00Title33,900.00Owner’s policyTIRSA rateCD ✓2,814.00Lender’s policyTIRSA rateCD ✓591.00Municipal searchesFee scheduleCD ✓495.00Settlement services1250.00Closer feeFee scheduleCD ✓250.00Totals$412,690.17$612,000.00$620,376.80$550,800.00Lender’s Closing DisclosureIssued 11/13 · Loan 7710-2291Revised 11/18 · Loan 7710-2291Checking1 differenceMatchesCash to close: lender $69,576.80 · ours $69,576.80 off by $30.00matches
✓ 13 lines matchAsk the lender to fix (1)Fixed on the revised CD (1)Ask the lenderE02Mortgage Recording TaxCD $3,916.80 · ours $3,886.80CD $3,886.80 · ours $3,886.80Due from buyer $69,576.80Due to seller $199,309.8313 of 13 lines08 · Drafts
Drafts are ready when you are
Ready for your review5 draftsTo Sam Ortiz · Northfield Home Lending · cc Lena MarshClosing Disclosure corrections for 88 Wren Hollow RdSection E shows mortgage tax of $3,916.80. For a one-family home in Dutchess the borrower’s share is $3,886.80 after the $30 exclusion. Could you issue a revised CD?
Tax Law § 253Review and sendReview and sendTo Ridgeline Bank PayoffsPayoff request for Martin and Ruth CallowayPlease send a payoff statement for loan ending 4471, good through November 30, 2026, with the per diem. Their signed authorization is attached.
Title search p. 4Review and sendFile 26-0412Title commitmentSchedule A and B, with 4 requirements and 3 exceptions.
Title searchReviewTo Tom Reyes, Esq. · Seller’s attorneySeller’s W-9 for the 1099-SCould the Calloways complete the attached W-9 before closing on November 23?
Closing checklistReview and sendTo Lena Marsh, Esq. · Marsh Law PLLCClosing confirmed: Mon 11/23, 10:00 AMAt Kessel & Burke LLP, lender’s counsel. Title bill attached: $8,376.80. Checks over $500 must be bank checks.
LedgerReview and sendNothing goes out until your team sends it5 drafts09 · To-dos
The file keeps moving between check-ins
To-dos check off as documents arrive, with follow-ups drafted for what’s missing.
To-dos · File 26-0412Closing Mon, Nov 23To-doMon 11/16Tue 11/17Wed 11/18Thu 11/19Fri 11/20Updated payoff · Ridgeline BankReceived, posted to the ledgerSentDraftedDoneRevised CD · NorthfieldRevised CD received, matches the ledgerSentDoneClosing · lender’s attorneyMon 11/23, 10:00 AM confirmedSentDoneTitle continuation searchBack, no new filingsSentDoneSeller’s W-9Still missing, in this morning’s reportDraftedFlaggedFri 9:00 AM4 of 5 done10 · Automations
Automations work your files on a schedule
Anything you’d ask Entract, run on a schedule or on demand.
Automations4 activeMorning reportWeekdays · 7:00 AMCheck every file closing in the next 7 days. Draft follow-ups for anything missing and send the closing team a short report.
Report4 files close next week. 2 need your team.DraftedSecond W-9 reminder to Tom Reyes · 26-0412DraftedUpdated payoff request · 26-0391Recording checkDaily · 4:00 PMUpdatedPosted Liber and page to 3 recorded filesFinal policiesMondays · 8:00 AMDrafted4 owner’s policies for files recorded last weekPayoffs expiring before closingRun nowDrafted2 updated payoff requests+New automation · “Every Friday, …”
01 · Order email
The order email arrives
The buyer’s attorney sends the contract and mortgage commitment.
Orders inbox[email protected]LMLena Marsh, Esq. · Marsh Law PLLC9:12 AMNew purchase - 88 Wren Hollow Rd - OkaforPlease open a title order. My client Dana Okafor is purchasing 88 Wren Hollow Road from Martin and Ruth Calloway.Contract of sale.pdfMortgage commitment.pdfFiled to 26-0412RBRidgeline Bank Payoffs8:47 AMRe: Payoff for 14 Birch LnPayoff statement attached, good through November 9.Filed to 26-0391HLHalvorsen Land Surveying8:05 AMSurvey for File 26-0398Final survey and certification attached.Filed to 26-0398CTDutchess County ClerkYesterdayRecording confirmation, 301 Mill StDeed recorded in Liber 1312 cp 488.Filed to 26-0377NHNorthfield Home LendingYesterdayClear to close, 9 Orchard TerFinal approval issued. Closing package to follow.Filed to 26-03865 today02 · Routing
Entract opens the file
New fileFile 26-0412Purchase · New YorkOpened from Lena Marsh’s email · 9:12 AMProperty88 Wren Hollow Rd, RhinebeckContract p. 1PurchaserDana OkaforContract p. 1SellerMartin and Ruth CallowayContract p. 1Purchase price$612,000.00Contract p. 3Loan amount$489,600.00Mtg. commitment p. 1Purchaser’s attorneyLena Marsh, Esq.Contract p. 14Downpayment$61,200.00Contract p. 3LenderNorthfield Home LendingMtg. commitment p. 1Closing (on or about)November 23, 2026Contract p. 6Filled from 2 documents9 of 9 fields03 · Order entry
The documents fill in the order
Parties, price, loan and closing date.
New fileFile 26-0412Purchase · New YorkOpened from Lena Marsh’s email · 9:12 AMProperty88 Wren Hollow Rd, RhinebeckContract p. 1PurchaserDana OkaforContract p. 1SellerMartin and Ruth CallowayContract p. 1Purchase price$612,000.00Contract p. 3Loan amount$489,600.00Mtg. commitment p. 1Purchaser’s attorneyLena Marsh, Esq.Contract p. 14Downpayment$61,200.00Contract p. 3LenderNorthfield Home LendingMtg. commitment p. 1Closing (on or about)November 23, 2026Contract p. 6Filled from 2 documents9 of 9 fields04 · Citations
Every figure cites its page
Click the sales price and the contract opens at the line it came from.
Contract of sale.pdf13/ 14−100%+123456Residential Contract of SalePage 1 of 14CONTRACT OF SALE
THIS CONTRACT, made as of September 24, 2026, between MARTIN CALLOWAY and RUTH CALLOWAY, residing at 88 Wren Hollow Road, Rhinebeck, New York 12572 (“Seller”), and DANA OKAFOR, residing at 410 Garrison Avenue, Poughkeepsie, New York 12601 (“Purchaser”).
1. Premises.
Seller shall sell and convey and Purchaser shall purchase the property, together with all buildings and improvements thereon, known as 88 Wren Hollow Road, Town of Rhinebeck, County of Dutchess, State of New York, Section 6270, Block 00, Lot 482110 on the Tax Map (the “Premises”), more fully described in Schedule A annexed hereto.
2. Personal Property.
The sale includes all fixtures and articles of personal property attached to or used in connection with the Premises, including the range, refrigerator, dishwasher, washing machine and dryer, all window treatments and the generator, free of all liens and encumbrances.
Excluded from this sale are the dining room chandelier and the garden statuary.
Seller’s initials MC RCPurchaser’s initials DOResidential Contract of SalePage 2 of 142. Personal Property (continued).
Seller represents that the personal property included in this sale is owned by Seller and is in working order as of the date hereof, and Seller shall deliver it in the same condition at Closing, reasonable wear and tear excepted.
Seller shall remove from the Premises prior to Closing all personal property not included in this sale and shall repair any damage caused by such removal.
The parties agree that the personal property has no value beyond that of the realty and that no portion of the Purchase Price is allocated to it for the purpose of any transfer tax.
Seller’s initials MC RCPurchaser’s initials DOResidential Contract of SalePage 3 of 143. Purchase Price.
The purchase price is SIX HUNDRED TWELVE THOUSAND and 00/100 Dollars ($612,000.00), payable as follows:
(a) on the signing of this contract, by Purchaser’s check payable to the Escrowee, subject to collection, the receipt of which is hereby acknowledged, to be held in escrow pursuant to paragraph 6 of this contract (the “Downpayment”): $61,200.00
(b) by allowance for the principal amount unpaid on the existing mortgage on the date hereof, payment of which Purchaser shall not assume: $0.00
(c) by a purchase money note and mortgage from Purchaser to Seller: $0.00
(d) balance at Closing in accordance with paragraph 7: $550,800.00
4. Existing Mortgage.
The Premises shall be conveyed free of any existing mortgage. Seller shall deliver a satisfaction of the mortgage held by Ridgeline Bank at or before Closing.
Seller’s initials MC RCPurchaser’s initials DOResidential Contract of SalePage 4 of 145. Acceptable Funds.
All money payable under this contract, unless otherwise specified, shall be paid by good certified check of Purchaser drawn on or official check issued by any bank, savings bank, trust company or savings and loan association having a banking office in the State of New York.
6. Downpayment in Escrow.
Seller’s attorney (“Escrowee”) shall hold the Downpayment in escrow in a segregated bank account until Closing or sooner termination of this contract and shall pay over or apply the Downpayment in accordance with the terms of this paragraph.
Seller’s initials MC RCPurchaser’s initials DOResidential Contract of SalePage 5 of 148. Mortgage Commitment Contingency.
The obligation of Purchaser to purchase under this contract is conditioned upon issuance, on or before 45 days after a fully executed copy of this contract is given to Purchaser, of a written commitment from an Institutional Lender pursuant to which such Institutional Lender agrees to make a first mortgage loan to Purchaser, at Purchaser’s sole cost and expense, of $489,600.00.
9. Permitted Exceptions.
The Premises are sold and shall be conveyed subject to zoning and subdivision laws, consents for the erection of any structures on the Premises, and the state of facts shown on the survey.
Seller’s initials MC RCPurchaser’s initials DOResidential Contract of SalePage 6 of 1415. Closing Date and Place.
The Closing shall take place at the office of Purchaser’s lender’s attorney on or about November 23, 2026, or, upon reasonable notice by Purchaser, at the office of Seller’s attorney.
16. Conditions to Closing.
This contract and Purchaser’s obligation to purchase the Premises are also subject to and conditioned upon the fulfillment of the conditions precedent set forth in this paragraph.
Seller’s initials MC RCPurchaser’s initials DO05 · Commitment
The commitment is drafted from the search
In your office’s standard clauses.
Commitment · File 26-0412DraftFrom the title search received 10/08Schedule A- Owner’s policy
- Dana Okafor$612,000.00
- Loan policy
- Northfield Home Lending, its successors and/or assigns$489,600.00
- Vested in
- Martin Calloway and Ruth Calloway, as tenants by the entirety
- Premises
- 88 Wren Hollow Road, Town of Rhinebeck, Dutchess County. Tax grid 6270-00-482110
1.Deed from Martin Calloway and Ruth Calloway to Dana Okafor, reciting “being and intended to be” the premises conveyed to them by deed dated June 3, 2011.Standard clause2.Mortgage from Dana Okafor to Northfield Home Lending securing $489,600.00, to be recorded.Standard clause3.Mortgage made by Martin Calloway and Ruth Calloway to Ridgeline Bank, $360,000.00, dated March 14, 2019, recorded in Liber 1184 mp 220. Payoff letter required; satisfaction to be recorded.From search p. 44.Schedule B · ExceptionsAll taxes and assessments due and payable, with any penalties and interest, must be paid at closing.From tax search1.Rights of the public and others entitled thereto to use for road purposes that portion of the premises lying within Wren Hollow Road.Standard clause2.Easement to Valley Gas & Electric Corp. recorded in Liber 902 cp 61.From search p. 63.Survey made by Halvorsen Land Surveying, P.C. dated October 2, 2026 shows a wood fence along the easterly line varying 0.4± ft. onto the premises.From survey4 req · 3 exc06 · Ledger
The settlement ledger fills in and balances
Every line posts from the documents, with its source.
Settlement ledger · File 26-0412PostingBalancedLineSeller debitSeller creditBuyer debitBuyer creditConsideration and credits361,200.00612,000.00612,000.00550,800.00Purchase priceContract p. 3CD ✓612,000.00612,000.00Downpayment held by seller’s attorneyContract p. 3CD ✓61,200.0061,200.00New loan · NorthfieldMtg. commitment p. 1CD ✓489,600.00Payoffs and liens1318,442.17Payoff · Ridgeline BankPayoff letterCD ✓318,442.17Commissions130,600.00Hearth & Key RealtyListing agmt.CD ✓30,600.00Taxes22,448.003,886.80State transfer taxTP-584CD ✓2,448.00Mortgage taxTax Law § 253CD ✓3,886.80Recording2340.00Recording fee (deed)County feesCD ✓200.00Recording fee (mortgage)County feesCD ✓140.00Title33,900.00Owner’s policyTIRSA rateCD ✓2,814.00Lender’s policyTIRSA rateCD ✓591.00Municipal searchesFee scheduleCD ✓495.00Settlement services1250.00Closer feeFee scheduleCD ✓250.00Totals$412,690.17$612,000.00$620,376.80$550,800.00Due from buyer $69,576.80Due to seller $199,309.8313 of 13 lines07 · Closing figures
The lender’s CD is checked against your ledger
Entract catches the $30 mortgage tax exclusion the lender skipped.
Settlement ledger · File 26-0412PostingBalancedLineSeller debitSeller creditBuyer debitBuyer creditConsideration and credits361,200.00612,000.00612,000.00550,800.00Purchase priceContract p. 3CD ✓612,000.00612,000.00Downpayment held by seller’s attorneyContract p. 3CD ✓61,200.0061,200.00New loan · NorthfieldMtg. commitment p. 1CD ✓489,600.00Payoffs and liens1318,442.17Payoff · Ridgeline BankPayoff letterCD ✓318,442.17Commissions130,600.00Hearth & Key RealtyListing agmt.CD ✓30,600.00Taxes22,448.003,886.80State transfer taxTP-584CD ✓2,448.00Mortgage taxTax Law § 253CD ✓3,886.80Recording2340.00Recording fee (deed)County feesCD ✓200.00Recording fee (mortgage)County feesCD ✓140.00Title33,900.00Owner’s policyTIRSA rateCD ✓2,814.00Lender’s policyTIRSA rateCD ✓591.00Municipal searchesFee scheduleCD ✓495.00Settlement services1250.00Closer feeFee scheduleCD ✓250.00Totals$412,690.17$612,000.00$620,376.80$550,800.00Lender’s Closing DisclosureIssued 11/13 · Loan 7710-2291Revised 11/18 · Loan 7710-2291Checking1 differenceMatchesCash to close: lender $69,576.80 · ours $69,576.80 off by $30.00matches
✓ 13 lines matchAsk the lender to fix (1)Fixed on the revised CD (1)Ask the lenderE02Mortgage Recording TaxCD $3,916.80 · ours $3,886.80CD $3,886.80 · ours $3,886.80Due from buyer $69,576.80Due to seller $199,309.8313 of 13 lines08 · Drafts
Drafts are ready when you are
Ready for your review5 draftsTo Sam Ortiz · Northfield Home Lending · cc Lena MarshClosing Disclosure corrections for 88 Wren Hollow RdSection E shows mortgage tax of $3,916.80. For a one-family home in Dutchess the borrower’s share is $3,886.80 after the $30 exclusion. Could you issue a revised CD?
Tax Law § 253Review and sendReview and sendTo Ridgeline Bank PayoffsPayoff request for Martin and Ruth CallowayPlease send a payoff statement for loan ending 4471, good through November 30, 2026, with the per diem. Their signed authorization is attached.
Title search p. 4Review and sendFile 26-0412Title commitmentSchedule A and B, with 4 requirements and 3 exceptions.
Title searchReviewTo Tom Reyes, Esq. · Seller’s attorneySeller’s W-9 for the 1099-SCould the Calloways complete the attached W-9 before closing on November 23?
Closing checklistReview and sendTo Lena Marsh, Esq. · Marsh Law PLLCClosing confirmed: Mon 11/23, 10:00 AMAt Kessel & Burke LLP, lender’s counsel. Title bill attached: $8,376.80. Checks over $500 must be bank checks.
LedgerReview and sendNothing goes out until your team sends it5 drafts09 · To-dos
The file keeps moving between check-ins
To-dos check off as documents arrive, with follow-ups drafted for what’s missing.
To-dos · File 26-0412Closing Mon, Nov 23To-doMon 11/16Tue 11/17Wed 11/18Thu 11/19Fri 11/20Updated payoff · Ridgeline BankReceived, posted to the ledgerSentDraftedDoneRevised CD · NorthfieldRevised CD received, matches the ledgerSentDoneClosing · lender’s attorneyMon 11/23, 10:00 AM confirmedSentDoneTitle continuation searchBack, no new filingsSentDoneSeller’s W-9Still missing, in this morning’s reportDraftedFlaggedFri 9:00 AM4 of 5 done10 · Automations
Automations work your files on a schedule
Anything you’d ask Entract, run on a schedule or on demand.
Automations4 activeMorning reportWeekdays · 7:00 AMCheck every file closing in the next 7 days. Draft follow-ups for anything missing and send the closing team a short report.
Report4 files close next week. 2 need your team.DraftedSecond W-9 reminder to Tom Reyes · 26-0412DraftedUpdated payoff request · 26-0391Recording checkDaily · 4:00 PMUpdatedPosted Liber and page to 3 recorded filesFinal policiesMondays · 8:00 AMDrafted4 owner’s policies for files recorded last weekPayoffs expiring before closingRun nowDrafted2 updated payoff requests+New automation · “Every Friday, …”
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