Before you sign anything electronically through Capital Kings, the law requires us to tell you a few things. Please read this carefully. It applies to every document you sign with us.
You have the right to receive a paper copy of any document we ask you to sign electronically, at no charge. If you want a paper copy, email Micah at [email protected] or call (281) 636-5682 with the document name and your address, and we will mail one to you.
You can withdraw your consent to sign documents electronically at any time. To withdraw, email [email protected]. Withdrawing consent does not affect the legal validity of any document you already signed electronically before withdrawing. After you withdraw, we will send any further documents on paper, which may slow your transaction.
If you consent below, your consent applies to all documents Capital Kings asks you to sign during your relationship with us, including (but not limited to): broker fee agreements, term sheets, pre-qualification letters, document acknowledgements, and any related disclosures. Your consent does not extend to documents executed at closing (mortgage note, deed of trust, etc.). Those are handled separately by your title company.
To access and retain electronic records from Capital Kings, you need: an internet-connected device, a current web browser (Chrome, Safari, Firefox, or Edge), the ability to view PDF files, and a valid email address you regularly check. You should also be able to save or print PDF documents. If your equipment changes and you can't access electronic records anymore, contact us using the info above and we will switch you to paper.
It is your responsibility to keep your email address and phone number current. Update your information by logging into your borrower portal or emailing [email protected].
Capital Kings uses Capital Kings eSign to capture electronic signatures. When you sign a document electronically, we capture an audit trail (your identity, IP address, device, time, and a tamper-evident hash of the document) and attach a Certificate of Completion to the signed PDF. Your electronic signature has the same legal effect as a handwritten one under the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. §7001 et seq., "ESIGN") and the Texas Uniform Electronic Transactions Act (Tex. Bus. & Com. Code §322, "UETA").
Capital Kings eSign · Disclosure v1 · You will not be asked to agree again unless this disclosure is updated. A copy of this disclosure is available any time at capitalkings.co/esign-disclosure.
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| Feature | Typical Adjustment |
|---|---|
| Living area (GLA) | Appraisers commonly use 1/3 to 1/2 of the market $/SqFt; your 80%-of-avg method is more aggressive but stays defensible when comps are close in size |
| Bedroom count | $5,000 - $15,000 per bedroom (only when it changes utility; a 3-bed vs 4-bed matters, a 5th bed rarely does) |
| Full bath | $7,500 - $15,000 |
| Half bath | $3,000 - $7,500 |
| Garage bay | $5,000 - $15,000 per bay |
| Pool (in-ground) | $15,000 - $50,000 (roughly 2-4% of value in this price band; never full replacement cost) |
| Excess lot | Land $/SqFt discounted 30-50% for the excess portion (buyers do not pay full rate for yard they will not use) |
| Condition tier | C4 (dated) to C3 (updated): $10,000 - $40,000 · C3 to C2 (full designer reno): $25,000 - $75,000 in this price band |
| Age / effective age | $500 - $1,500 per year of effective-age difference (renovation resets effective age, not actual) |
| Location | Busy road -5% to -10% · school zone premium +3% to +6% · cul-de-sac +2% to +3% · same subdivision beats same distance |
| Market conditions | If the market moved since a comp closed, adjust ~0.5-1%/month; sales over 6 months old need this or should be dropped |
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