Having everything on-hand will make the process easier. Get a Quote. Get a quote from an annuity purchaser to see how much you can expect to receive as a lump sum.
Decide What to Sell. Make a decision about which annuity payments you want to sell and how much of a lump sum you want to receive. Get a Purchase Agreement. Request a purchase agreement to sell your annuity. Sign and Return the Agreement. Sign and return your paperwork to the purchaser.
Buyer Sends You Check or Wire.
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I've been told that the lender will pay all third party fees on my cashout. Is that true. YES and NO. First off, in Texas, this is true only for subprime cash-out deals. Secondly, although the lender is technically paying for all third party fees (title, insurance, reserves, attorney fees, etc) the lender is typically charging your loan 2 discount points (2) to buy down the rate and pay all third party vendors.