Online FTT Buyer Booklet

Buyers
Buyers























ONLINE GUIDE

Top 10 Reasons to use a




Real Estate Agent






















For Home Buyers





1. Education & Experience 6. Professional Networking
You don’t need to know everything about Real estate agents network with other profes-
buying and selling real estate if you hire a real sionals, many of whom provide services that
estate agent who does. you will need to buy or sell and they can
provide a list of references.
2. Agents are Buffers
Real estate agents take the spam out of 7. Negotiation Skills & Confidentiality
your property showing and visits. If you Top producing real estate agents negotiate
are a buyer of a new home, your agent well because they can remove themselves from
will help prevent the builder’s agents the emotional aspects of the transaction.
from bothering you.
8. Handling Volumes of Paperwork
3. Neighborhood Knowledge The paperwork can be very overwhelming.
Real estate agents can identify comparable Not to mention, one tiny mistake or omission
sales and hand these facts to you, in addition could land you in court or costs you thou
to pointing you in the direction where you sands.
can find more data on schools, crime and
other information.
9. Answer Questions after Closing
4 Price Guidance Many question can pop up that were over
Contrary to what some people believe, real looked in the excitement of closing. Real
estate agents do not select prices for sellers estate agents stand by ready to assist.
or buyers. However, they will help to guide
clients to make the right choices for them- 10. Develop Relationships
selves. The basis for a real estate agents success
5. Market Conditions Infomation and continued career in real estate is
referrals. This emphasis gives agents
Real estate agents can disclose market strong incentives to make certain that
conditions, which will govern your selling clients are happy and satisfied.
or buying process.






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Benefits of Buying





The rent you pay could be put toward equity in your own home




Not sure if you should buy a home? Rent payments easily could

build equity in your own home. The chart below gives you an idea
of what happens to your money over time. The rent you pay adds

up considerably over a period of years.



RENT 5 YEARS 10 YEARS 15 YEARS 20 YEARS 25 YEARS 30 YEARS



$1,000 $60,000 $120,000 $180,000 $240,000 $300,000 $360,000

$1,200 $72,000 $144,000 $216,000 $288,000 $360,000 $432,000

$1,400 $84,000 $168,000 $252,000 $336,000 $420,000 $504,000

$1,600 $96,000 $192,000 $288,000 $384,000 $480,000 $576,000


$1,800 $108,000 $216,000 $324,000 $432,000 $540,000 $648,000

$2,000 $120,000 $240,000 $360,000 $480,000 $600,000 $720,000

$2,200 $132,000 $264,000 $396,000 $528,000 $660,000 $792,000

$2,400 $144,000 $288,000 $432,000 $576,000 $720,000 $864,000

$2,600 $156,000 $312,000 $468,000 $624,000 $780,000 $936,000


$2,800 $168,000 $336,000 $504,000 $672,000 $840,000 $1,008,000

$3,000 $180,000 $360,000 $540,000 $720,000 $900,000 $1,080,000




Rent Buy
• No interest payment deductions • Deductions for your mortgage interest paid
• Rent typically increases each year • Mortgage payments can be fixed
• No changes can be made without approval • Decorate and make changes without
• No capitalization; your money is just gone landlord approval
• Rental is temporary housing and is often • The value of your home often increases over time
subject to 30 days notice









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Terms in Title





Glossary for terms used in Real Estate




AMENDMENT: A modification to an existing HAZARD INSURANCE: Real estate insurance
contract, mutually agreed to by all parties. protecting against fire, some natural causes,
vandalism, etc. depending upon the policy.
APPRAISED VALUE: An evaluation of a property’s
value based on a given point in time that is HOA ASSESSMENT FEES: Charged by the
performed by a professional appraiser during the homeowners association as set out in subdivision
mortgage origination process. The appraiser is restrictions.
usually chosen by the lender, but the appraisal is
paid for by the borrower. HOMEOWNERS INSURANCE: Protects the property
and contents in case of loss; must be for at
CD/CLOSING DISCLOSURE: A five-page form that least the loan amount or for 80% of the value of
provides final details about the mortgage loan improvements, whichever is greater.
you have selected. It includes the loan terms, your
projected monthly payments, and how much LEGAL DESCRIPTION: A description of land
you will pay in fees and other costs to get your recognized by law, based on government surveys,
mortgage (closing costs.) spelling out the exact boundaries of the entire piece
of land.
CLOSING COSTS: Costs the buyer must pay at
the time of the closing in addition to the down LEIN: A monetary claim against a property.
payment, which may include points, title charges,
credit report fee, document preparation fee, LOAN TITLE POLICY: Required by the lender to insure
mortgage insurance premium, inspections, that the lender has a valid lien; does not protect the
appraisals, prepayments for property taxes, buyer.
deed recording fee, and homeowners insurance.
ORIGINATION FEE: A fee the buyer pays the lender to
CLOUD ON TITLE: A claim or encumbrance that originate a new loan.
impairs the title to real property.
OWNER’S TITLE POLICY: Owners title insurance
COMMITMENT: The document by which a title provides protection to the homeowner if someone
insurer discloses to all parties connected with sues and says they have a claim against the home
a particular real estate transaction all the liens, from before the homeowner purchased it. When
defects, and burdens and obligations that affect you purchase your home, you receive a document
the subject property. most often called a deed, which shows the seller
transferred their legal ownership, or title to their
DEED: A written instrument by which title to land home, to you. Title insurance can protect you if
is conveyed. someone later sues and says they have a claim
against the home from before you purchased it.
DEED RESTRICTIONS: Limitations in the deed to a Common claims come from a previous owners
property that dictate certain uses that may or failure to pay taxes or from contractors who say they
may not be made of the property. were not paid for work done on the home before you
purchased it.
ESCROW FEE: A fee charged by the title company
to service the transaction, to escrow, and cover POWER OF ATTORNEY: A written authorization by
documents. a person to another person to act for him on his
behalf.
EARNEST MONEY: Down payment made by a
purchaser of real estate as evidence of good faith. REALTOR: A real estate broker or an associate who
holds active membership in a local real estate board
EASEMENT: A right to use another person’s real that is affiliated with the National Association of
estate for a specific purpose. The most common Realtors®.
type of easement is the right to travel over
another person’s land, known as a right of way. REALTOR FEES: An amount paid to the REALTOR as
In addition, property owners commonly grant compensation for his/her services.
easements for the placement of utility poles,
utility trenches, water lines or sewer lines. SURVEY: Confirms lot size and any encroachments or
restriction violations.




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Who Pays What





Closing Costs




This chart indicates who generally pays what costs during a transaction





CASH CONV FHA VA
APPRAISAL BUYER BUYER BUYER
CREDIT REPORT BUYER BUYER BUYER
CURRENT HOA PRORATE PRORATE PRORATE PRORATE
DISCOUNT PTS BUYER BUYER BUYER
DOC PREP FEE BUYER BUYER BUYER
DOWNPAYMENT BUYER BUYER BUYER
ESCROW FEE SPLIT SPLIT SPLIT SPLIT
EXISTING LOAN PAYOFF SELLER SELLER SELLER SELLER

FHA MIP, VA FEE, PMI PREMIUM BUYER BUYER BUYER
FLOOD INSURANCE (if applicable) BUYER BUYER BUYER
HOA RESALE SELLER SELLER SELLER SELLER
HOMEOWNERS ASSOC. TRANSFER FEE SPLIT SPLIT SPLIT SPLIT
HOMEOWNERS INSURANCE BUYER BUYER BUYER BUYER
LENDERS TITLE POLICY BUYER BUYER BUYER
LOAN PREPAYMENT PENALTY (if any) SELLER SELLER SELLER SELLER
NEXT MONTH’S HOA PAYMENT BUYER BUYER BUYER BUYER
OWNERS TITLE POLICY SELLER SELLER SELLER SELLER

PREPAID INTEREST (approx. 30 days) BUYER BUYER BUYER
PROPERTY INSPECTION (if requested by Buyer) BUYER BUYER BUYER BUYER
PROPERTY REPAIRS, IF ANY (negotiable) SELLER SELLER SELLER SELLER
REALTOR COMMISSIONS SELLER SELLER SELLER SELLER
RECORDING FEES SPLIT SPLIT SPLIT SPLIT
TAXES (Prorated) BUYER BUYER BUYER BUYER
TAX CERTIFICATE BUYER SELLER SELLER
TAX IMPOUNDS BUYER BUYER BUYER

TERMITE INSPECTION (negotiable except on VA) SELLER
WARRANTY DEED PREP SELLER SELLER SELLER SELLER















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Closing Tips:










Items you don’t


want to forget













Weeks before the closing date
• Did your marital status change? If so, it’s crucial to alert your escrow officer of any marriage status
changes since the contract was signed. It would be ideal to let them know of any changes since the
property was originally purchased, before sitting down at the closing table.

• If there is a Power of Attorney (which means someone else is signing for them), or if there has been a
death iin the family, please make sure the title company has the original executed document before
closing. Also, the title company is legally required to contact the person granting power of attorney on
the day of the closing. So it’s important to make sure this person is available and expecting the call.


Buyers should confirm how the lender will deliver the funds (usually by check or wire transfer), and
• work with their agent to clarify expectations with the seller. Please keep in mind that a wire transfer
from the lender will typically allow the title company to wire out the proceeds to the seller as soon as
funing approval is received, assuming the seller’s proceeds are not more than the account of fund
received through the wire. A cashier’s check must be honored or ‘collected’ by the bank before any
funds may be sent out via a wire, which could mean delays of one to three business days. Buyers and
sellers should communicate prior to closing to clarify expectations.



The day before & day of closing
• Make sure to bring proper identification to closing, including any person signing with a Power of
Attorney. A valid goverment-issued ID is also required, in order to comply with federal security, banking
and notary laws. For example, either your driver’s license or passport will be find and please make sure
they are not expired.
• If any monies are due for over the amount of $1500, please plan to bring a wire transfer or cashiers
check to the closing table. This is also referred to as “Good Funds”. (Money orders, Western Union
Transfers and personal checks are not considered good funds).
• If your transaction is linked to another closing (e.g. you’re selling and using the proceeds on a purchase

later the same day or you’re buying with proceeds from a closing that happened earlier), be sure to let
your escrow officer know as soon as possible, so that they can plan accordingly.






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What is





Title Insurance?








Title Insurance protects people from losses that happen after they buy real estate.
Title insurance agents look for defects in the title that need correction before the
landowner sells it to you.


Types of Policies





OWNERS POLICY
The owner’s policy protects you from the covered risks listed in the policy and remains
in effect as long as you or your heirs own the property. The price of the policy is usually
included in closing costs and covers you up to the value of the property at the time you
bought the policy.

LOAN POLICY

The loan policy protects the lender’s interest in the property up to the amount of the
principal on your loan and is effective for the life of the loan.

What will I pay?




TDI sets the title insurance premium rates based on the property’s sale value. This
rate includes costs for title examination, closing, and issuing the policy. Unlike
traditional insurance policies, you pay a title policy premium once, at the closing of
the sale.


What does it cover?




Here are some examples of what Title Insurance covers...
Encumberances/Defects Liens
• unknown heir(s) • unpaid property taxes
• fraud • debts owed to vendors prior to policy
• forgery of wills/deeds effective date that you didn’t agree to
• improper execution/filing of public pay.
documents


Source: TDI

Points to Ponder




When Selling Your Home






• Are you knowledgeable about the current • Most buyers will seek the help of a Real Estate
housing market? agent because they are concered about the risks
of direct negotiations.
• Do you have time to leave work to meet your
buyer? • The average person will hesitate to tell you what
they like or don’t like about your property, yet
• Do you know the improvements on your admit freely to a Real Estate agent. These are
property that will bring the most value to your things you need to know in order to determine
buyer? what, if anything, needs to be changed.

• Do you have a way to market your home directly • How will you find buyers whose taste and
to a potential buyer? Hiring a Real Estate agent requirements fit your property?
means they will market your property to their
colleagues and their clients. • Your friends may give you conflicting advice
on how to best sell your home but a Real Estate
• Typically, an owner overprices their property and agent has proven experience.
then eventually takes an under market offer. A
real estate professional knows how to price your • A buyer could feel uncomfortable discussing
property at the right fair market place. their finances with you and you may feel likewise.
A real estate professional, as a third party, can
• Negotiating directly with a buyer is difficult and ease this discomfort and help consummate the
can result in conflict that loses the sale. A Real sale.
Estate agent acts as a third party diffusing the
problems that arise in most transactions. • Do you know how to write a valid contract?

• It may take several showings of your property • Are you an expert in the current home loan
to sell it. Oftentimes, reshowing it to potential market?
buyers who want to be sure they are interested.
This may cost time and money and ultimately • Are you prepared to handle the steps to closing
become overwhelming without the help of a your transaction after you have an agreement
Real Estate agent who can meet and also screen with the buyer?
potential buyers.









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Reminders




for Buyers






• What Happens After Signing?

Your loan documents are sent back to your lender for review. Once your lender authorizes
us to close escrow, we will contact you or your real estate agent with the great news!
• How Do I Get My Keys?

Your agent will handle the key exchange. Typically, this occurs after your lender allows us
to record your transaction.

• What You Get in the Mail After Closing
After closing you will receive your final Settlement Statement - keep in a safe place for
your taxes. Also you will receive your Title Policy and your recorded deed showing you as Owner.
Lastly, you will receive a packet of information from your Lender.
• Transfer Utilities

Before you move in you will want to contact the utility company to transfer utilities into
your name. The final bill is not handled in escrow so be sure to work directly with the utility
company so you are not billed for those services.

• Making Your First Payment
You should receive your coupon booklet directly from your Lender in a few weeks. In the
meantime, you can use the temporary payment coupon you received with your loan documents
at closing.



Congratulations on your new home!

We have enjoyed working with you. Please reach out to us with any
questions and remember us for your future property title needs.






www.FairTexasTitle.com

House Hunting



Checklist





The average buyer views 10 homes before they nd the one Condition of exterior:
they want. When you view that many homes, it can be dicult (Note: this is your initial impression. A home inspection will go into
to remember the details of each one. Below is a checklist to more detail)
help you remember the features of each home you visit and Is the exterior painted or siding?
your impression of the home and surrounding neighborhood. Roof and eaves:
Type of windows and condition:
HOUSE: Gutters and downspouts:

Address: Is the yard landscaped?
Is there a fence? Yes No
First impression:
How many bedrooms? What do you think of the home's exterior?
Size of master bedroom?
How many bathrooms? NEIGHBORHOOD:

Does it have a basement or attic? Are the surrounding homes well maintained?
Yes No
Basement Attic Neither Both
How is the traffic during rush hour?
What do you think of the layout/ow of the home? Light Medium Heavy

Does the neighborhood feel safe? Yes No
Number of closets:
Is there sucient storage for your needs? Yes No What's the noise level of the neighborhood?

Type of flooring: Quiet Some Noise Noisy
Wood Carpet Tile Combination Other Is there street parking or do people park in driveways?
Street Driveway Both

Walls: Paint Wallpaper Combination Other Are the following nearby? If so, how close:
School Yes No Proximity:
Kitchen (size: sq.ft)
Child care Yes No Proximity:
Type of cabinets: Parks Yes No Proximity:
Type of counter tops:
Appliances: Fire Department Yes No Proximity:
Type of xtures: Police Station Yes No Proximity:
Hospital Yes No Proximity:
Bathroom (size: sq.ft)
Doctor/Dentist Yes No Proximity:
Vanity:
Bath/Shower: Shopping Yes No Proximity:
Fixtures: Restaurants Yes No Proximity:
Places of worship Yes No Proximity:
Water Pressure: High Medium Low
Public Transportation Yes No Proximity:
Are there any internet & cable hook-ups?
Yes No CAT 5/6 What is your overall impression of the house?


Is there a fireplace? Yes No
Is there an HOA? Yes No $ monthly fees
If yes. is it wood-burning, pellet or gas?
How is the home heated? Is this a house you’d like to make an offer on? Yes No
Is there air conditioning?



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Tips for Planning



Your Move







The Basics 1 Week Before the Move

 Make an inventory list of all items going with you personally. Keep valuable
 Review your relocation package if you have one, and determine what expenses and irreplaceable items such as jewelry and heirlooms with you, not movers.
will be paid by your company.
 Conrm arrangements and dates with moving & storage companies.
 Get written estimates from moving companies, including written commitment
of pickup and delivery dates. Get references. Check the limits of insurance they  Conrm hotel, rental car or temporary housing accommodations.
oer, and if it covers replacement cost. Purchase additional insurance if necessary.
 Disassemble furniture or others items.
 Arrange for storage facility, if you plan to store any contents. Check insurance.
 Social Security benet recipients should change their address with the Social
 Arrange transport service for pets or automobiles if needed.  Notify the IRS of your new address. Check whether your moving expenses are
 Contact your bank and arrange transfer of your accounts; order checks with tax-deductible.
new address; clean out your safety deposit box.  Set aside a box of cleaning supplies and the vaccuum cleaner.
 Submit change-of-address form to the post oce.  Begin making a "Survival Box" for the move. This should include
 Paper & pens  Envelopes & stamps,
 Give day-care center proper notice of withdrawal.
 Cellophane & heavy duty tape  Scissors
 Contact schools and arrange for transfer of student records.  Tape measurer  Disposable cups, plates & utensils
 Change your insurance policies on property, auto and medical.  Ziplock bags  Paper towels
 Give notice of resignation to any clubs, organizations or volunteer activities  Facial & toilet tissue  Instant coee or tea
 Prescription/OTC drugs

 Toiletries
you belong to.
 First-Aid Kit  Can opener
 Cancel newspaper subscriptions.  Bottled water  Travel alarm
 Start a log of moving expense receipts (some may be tax deductible).  Flashlight  Small tools kit
 Trash bags  Snacks or drinks
 Children's games  Spare car keys.
2 Weeks Before the Move
1-2 Days Before the Move
 Take a ruthless walk-through to determine what you really want to take.Tag the
rest of it and hold a garage sale or donate it.  Clean and defrost refrigerator and freezer.
 Clean out club, gym and school lockers; pick up all dry cleaning.  Reconcile and close bank accounts, unless you will be using another branch
of the same bank.
 Arrange for the disconnection or changeover to your new home of all utilties.
 Conclude nancial matters relating to the sale or lease of your home.
 Have measurements taken of the rooms in your new residence and use
oorplans to determine where everything will go.  Movers or your family should complete packing of all household goods for
the move. Make sure all boxes are clearly marked.
 Begin packing less-used items. Label each box, and keep an inventory.
 Retrieve and return all borrowed items from neighbors & friends. Moving Day
 Clean out the cupboards & plan remaining meals so you can pack what you
don't need, and don't buy any more perishables than you have to.  Conrm delivery address, directions and delivery date with the movers.
 Make sure boxes are clearly marked and your instructions are understood.
 Clean the home and check entire grounds before leaving.
Helpful Resources  Check thermostat and make sure temperature is set appropriately. Make sure
Complete change of address and simplify your move: moversguide.usps.com all windows/doors are closed and locked, and all appliances are turned o. Leave
Moving tips: protectyourmove.gov forwarding address, garage door openers & any keys, if agreed to, for the new
School info: nces.ed.gov/ccd/schoolsearch owners or renters.
Locate childcare: childcareaware.org
IRS/Tax Deductions: irs.gov  If your home is going to be vacant when you leave, make sure a relative,
Social Security Administration ssa.gov neighbor or real estate agent has the keys and how to contact you. Also, notify
your insurance agent and police department that the home will be empty.

Collin County




School Ratings



2019-2020




























TEXAS EDUCATION AGENCY (TEA)
1701 N. CONGRESS AVENUE
AUSTIN, TX 78701
OVERALL ACADEMIC GROWTH
The overall grade that the school or district has been School Progress measures how much better students
assigned by the Texas Education Agency. performed on the STAAR test this year versus last year.
STUDENT ACHIEVEMENT RELATIVE PERFORMANCE
Student Achievement shows how much students know Measures the achievement of all students relative to districts or
and are able to do at the end of the school year. campuses with similar economically disadvantaged percentages.
CLOSING THE GAPS
Closing the Gaps measures the percentage of different groups of students that performed above
state goals in four areas. Grade Level Performance, Graduation Rate, English Language Proficiency,
College, Career, and Military Readiness.

ALLEN ISD A 93 A 94 A 90 A 90 B 89
ALTON BOYD EL C 73 C 72 D 60 C 75 D 68

ALVIS C STORY EL B 87 A 91 C 75 B 80 C 77
BEVERLY CHEATHAM EL A 97 A 95 A 92 B 85 A 100
BOLIN EL B 87 A 91 C 75 C 78 C 78
CARLENA CHANDLER EL A 90 A 92 C 77 B 82 B 85
D L ROUNTREE EL B 80 C 76 D 67 B 83 C 74
DAVID AND LYNDA OLSON EL B 88 A 92 C 79 C 79 C 78
DR E T BOON EL A 95 A 95 A 91 B 89 A 96
FLOSSIE FLOYD GREEN EL A 92 A 93 B 86 B 82 A 90
FRANCES E NORTON EL A 93 A 95 B 89 B 87 B 87
GENE M REED EL B 80 B 83 D 62 C 74 C 74
GEORGE J ANDERSON EL A 91 A 92 B 80 B 81 B 87
JAMES AND MARGIE MARION EL B 89 A 92 C 75 C 77 B 81

JENNY PRESTON EL A 93 A 95 A 90 B 85 B 88
KERR EL A 97 A 96 A 92 B 87 A 100
LOIS LINDSEY EL A 91 A 93 B 82 B 84 B 85
MARY EVANS EL A 95 A 96 A 91 B 89 A 92
MAX O VAUGHAN EL A 92 A 93 B 89 B 86 A 90
ERECKSON MIDDLE A 94 A 94 A 91 B 89 A 94
W E PETE FORD MIDDLE A 95 A 93 A 91 B 89 A 100
WALTER & LOIS CURTIS MIDDLE A 94 A 94 B 88 B 86 A 94
ALLEN H S A 91 A 94 B 84 B 82 B 83
LOWERY FRESHMAN CENTER A 92 A 93 B 81 B 85 B 89

ANNA ISD B 87 B 86 B 84 B 80 B 89
JOE K BRYANT EL B 89 B 82 A 92 B 80 B 82
JUDITH L HARLOW EL B 82 B 80 B 80 B 81 B 83
SUE EVELYN RATTAN EL C 74 C 75 D 65 D 69 C 72
ANNA MIDDLE C 79 B 80 C 74 C 75 C 77
ANNA H S B 85 B 85 B 86 C 78 B 83
BLUE RIDGE ISD A 91 B 88 C 79 A 90 A 92
BLUE RIDGE EL B 83 B 85 C 74 B 84 C 77
BLUE RIDGE MIDDLE B 83 B 82 C 77 B 86 C 77
BLUE RIDGE H S B 87 B 87 D 65 B 84 B 87
CELINA ISD A 95 A 93 B 85 B 83 A 98
CELINA EL B 84 B 88 C 70 C 74 C 75
O'DELL EL A 94 A 92 A 90 B 80 A 100
CELINA J H A 90 A 91 B 83 B 81 B 88
CELINA H S B 89 A 92 C 70 C 77 B 83
COMMUNITY ISD A 90 A 90 B 82 A 91 B 88
MCCLENDON EL B 88 B 83 B 88 B 85 B 88
NESMITH EL B 83 B 85 C 74 C 79 C 77
LELAND E EDGE MIDDLE C 79 C 79 C 74 C 79 B 80
COMMUNITY H S B 87 B 88 B 82 B 87 B 83

FARMERSVILLE ISD A 90 B 89 B 87 A 90 A 91
FARMERSVILLE INT B 85 B 85 B 83 B 85 B 85

TATUM EL B 85 N/R N/R N/R N/R
FARMERSVILLE J H B 84 B 83 B 81 B 84 B 85
FARMERSVILLE H S B 89 A 90 B 81 B 84 B 86
FRISCO ISD A 93 A 94 A 91 B 85 B 89
ALLEN EL A 95 A 93 A 90 B 80 A 100
ANDERSON EL A 96 A 94 A 94 B 87 A 100
ASHLEY EL A 95 A 93 A 91 C 77 A 100
BLEDSOE EL A 93 A 93 B 86 C 77 A 92
BOALS EL A 91 A 92 C 75 C 70 B 88
BORCHARDT EL A 94 A 95 A 94 B 84 A 92
BRIGHT ACAD C 74 C 73 C 72 D 65 C 75
CARROLL EL A 92 A 91 A 91 C 77 A 94

CHRISTIE EL B 80 C 71 B 82 D 69 C 76
COMSTOCK EL A 91 A 92 B 88 C 74 B 87
CORBELL EL B 89 B 89 B 89 C 70 B 88
CURTSINGER EL A 96 A 94 B 89 B 83 A 100
EARLY CHILDHOOD SCHOOL A 93 N/R N/R N/R N/R
ELLIOTT EL C 73 C 76 D 60 F 58 D 66
FISHER EL A 95 A 93 B 86 C 74 A 100
GUNSTREAM EL A 90 A 91 C 75 C 76 B 87
HOSP EL A 91 A 93 B 82 C 74 B 87
ISBELL EL A 94 A 92 B 88 C 70 A 98

LISCANO EL A 95 A 93 A 90 C 77 A 100
MCSPEDDEN EL A 98 A 97 A 94 A 90 A 100
MILLER EL B 81 B 80 B 82 F 57 C 78
MOONEYHAM EL A 94 A 92 B 88 C 72 A 98
NEWMAN EL A 96 A 94 B 88 C 79 A 100
NICHOLS EL A 96 A 94 A 91 B 83 A 100
NORRIS EL A 91 A 93 B 89 C 75 B 86
OGLE EL B 89 A 90 C 79 D 69 B 86
PHILLIPS EL A 93 A 91 B 89 D 63 A 98
PINK EL A 95 A 93 A 90 C 74 A 100
PUREFOY EL A 95 A 93 B 88 C 77 A 100
RIDDLE EL A 93 A 93 A 92 C 77 A 94
ROBERTSON EL A 90 A 91 B 85 D 69 B 88
ROGERS ELEMENTARY C 76 B 80 D 65 F 59 D 68
SCOTT EL A 94 A 91 B 88 D 66 A 100
SEM EL A 96 A 94 A 90 B 81 A 100
SHAWNEE TRAIL EL B 84 B 86 C 74 D 67 C 78
SMITH EL A 90 A 91 B 83 C 72 B 86
SONNTAG EL B 88 B 88 B 83 D 69 B 87
SPARKS EL A 95 A 93 B 88 C 77 A 100
SPEARS EL A 91 A 91 A 92 C 76 B 89

FRISCO ISD CONTINUED A 93 A 94 A 91 B 85 B 89
TADLOCK EL A 92 A 91 B 82 C 73 A 94

TALLEY EL A 97 A 96 A 94 B 89 A 100
TAYLOR EL A 95 A 93 A 92 B 82 A 100
VAUGHN EL A 95 A 93 A 92 C 74 A 100
CLARK MIDDLE B 88 A 91 C 79 C 79 B 80
COBB MIDDLE A 90 A 92 B 81 C 75 B 85
FOWLER MIDDLE A 97 A 96 A 94 A 90 A 100
GRIFFIN MIDDLE A 92 A 94 B 84 B 80 B 86
HUNT MIDDLE A 94 A 93 A 90 B 86 A 96
LAWLER MIDDLE A 97 A 97 A 93 A 90 A 97
MAUS MIDDLE A 94 A 93 B 85 B 82 A 96
NELSON MIDDLE A 93 A 95 B 86 B 82 B 87
PEARSON MIDDLE A 93 A 95 A 90 B 86 B 89

PIONEER HERITAGE MIDDLE A 96 A 95 A 91 B 85 A 98
ROACH MIDDLE A 91 A 92 B 83 B 81 B 88
SCOGGINS MIDDLE A 91 A 92 B 81 B 83 B 88
STAFFORD MIDDLE A 94 A 92 B 85 C 79 A 100
STALEY MIDDLE A 90 B 87 B 81 B 83 A 98
TRENT MIDDLE A 94 A 93 B 86 C 75 A 96
VANDEVENTER MIDDLE A 93 A 94 B 86 B 85 B 89
WESTER MIDDLE A 93 A 93 B 86 B 83 A 94
CENTENNIAL H S A 93 A 95 B 89 B 83 B 89
FRISCO H S A 91 A 93 B 82 B 82 B 86

HERITAGE H S A 92 A 94 B 86 B 82 B 88
INDEPENDENCE H S A 97 A 95 B 82 B 82 A 100
LEBANON TRAIL H S B 86 C 75 B 89 F 54 B 80
LIBERTY H S A 93 A 95 B 82 B 84 B 88
LONE STAR H S A 94 A 92 B 80 C 76 A 98
MEMORIAL H S A 93 A 93 B 82 B 82 A 94
REEDY H S A 97 A 97 B 85 B 82 A 96
WAKELAND H S A 94 A 96 A 91 B 83 B 89
IMAGINE INTERNATIONAL ACADEMY A 94 A 96 A 91 B 83 B 89
LONE STAR LANGUAGE ACADEMY B 89 B 89 N/R F 58 N/R
LOVEJOY ISD A 98 A 97 A 93 A 91 A 100
CARRIE L LOVEJOY EL A 96 A 94 A 91 B 82 A 100
JOE V HART EL A 95 A 93 B 86 C 77 A 100
ROBERT L PUSTER EL A 95 A 95 B 82 B 84 A 94
SLOAN CREEK INT A 96 A 95 A 91 B 84 A 97
WILLOW SPRINGS MIDDLE A 97 A 96 A 94 B 86 A 100
LOVEJOY H S A 98 A 97 B 86 B 85 A 100
MCKINNEY ISD B 89 B 89 B 87 B 89 B 89
MALVERN EL C 74 F 58 C 74 F 59 C 73
ARTHUR H MCNEIL EL C 73 C 75 C 75 D 66 D 69
BURKS EL C 72 D 69 C 70 C 72 C 71

MCKINNEY ISD CONTINUED B 89 B 89 B 87 B 89 B 89
EDDINS EL A 94 A 92 A 90 C 72 A 100

CALDWELL EL D 67 D 67 D 60 D 65 D 66
BENNETT EL A 92 A 91 B 85 C 72 A 94
WOLFORD EL A 95 A 93 B 85 B 81 A 98
FINCH EL C 73 D 67 C 72 C 72 C 75
MINSHEW EL B 82 B 85 D 67 D 67 C 74
GLEN OAKS EL A 95 A 93 A 91 C 77 A 100
LAWSON EARLY CHILDHOOD A 94 N/R N/R N/R N/R
WILMETH EL A 91 A 91 B 89 D 63 A 90
MCGOWEN EL B 88 B 88 B 86 C 74 B 88
VEGA EL B 80 C 77 C 75 B 81 C 76
MCCLURE EL A 93 A 92 B 89 C 72 A 96
PRESS EL C 77 C 77 C 74 D 63 C 77

REUBEN JOHNSON EL B 81 B 83 C 72 D 60 C 75
WALKER EL A 95 A 93 B 85 B 80 A 100
SLAUGHTER EL A 92 B 89 B 83 B 88 A 100
VALLEY CREEK EL A 94 A 92 B 83 B 80 A 98
WEBB EL C 70 D 67 D 69 D 69 C 71
DOWELL MIDDLE A 90 A 93 B 84 B 88 B 82
COCKRILL MIDDLE A 92 A 93 B 89 B 85 A 90
FAUBION MIDDLE A 93 A 91 B 86 B 89 A 97
EVANS JR MIDDLE A 91 A 91 B 81 B 81 A 92
JOHNSON MIDDLE B 82 B 83 C 74 B 82 B 81

MCKINNEY BOYD H S A 92 A 94 C 79 B 83 B 87
MCKINNEY H S B 87 A 91 C 76 B 83 C 79
MCKINNEY NORTH H S A 91 A 93 A 91 B 82 B 86
MELISSA ISD A 95 A 94 B 87 C 75 A 97
HARRY MCKILLOP EL A 95 A 93 A 92 B 84 A 100
NORTH CREEK EL B 88 A 90 C 79 C 70 B 84
MELISSA MIDDLE A 91 A 92 C 79 D 63 A 90
MELISSA H S A 92 A 94 B 84 D 69 B 88
PLANO A 91 B 89 B 89 A 91 A 90
ALDRIDGE EL B 89 A 90 B 88 C 72 B 88
ANDREWS EL A 94 A 95 A 91 B 84 A 92
BARKSDALE EL A 93 A 94 B 86 B 84 A 92
BARRON EL B 81 C 71 B 82 C 77 C 78
BEATY CHILDHOOD SCHOOL A 91 N/R N/R N/R N/R
BETHANY EL A 94 A 92 B 88 C 79 A 100
BEVERLY EL A 97 A 96 A 93 A 92 A 100
BOGGESS EL B 88 A 92 C 75 C 74 C 77
BRINKER EL B 88 A 92 C 75 B 82 C 77
CARLISLE EL B 89 A 92 B 82 B 83 B 82
CENTENNIAL EL A 95 A 94 A 91 B 82 A 98
CHRISTIE EL B 84 C 78 C 77 B 81 A 90
DAFFRON EL B 87 B 86 B 86 B 81 A 90

PLANO ISD CONTINUED A 91 B 89 B 89 A 91 A 90
DAVIS EL A 95 A 93 A 90 B 83 A 100

DOOLEY EL A 92 A 92 B 88 B 83 A 92
FORMAN EL A 94 A 92 A 91 C 79 A 98
GULLEDGE EL A 91 N/R N/R N/R N/R
HARRINGTON EL A 90 A 92 A 90 B 84 B 84
HAUN EL A 90 B 85 B 88 C 75 A 94
HEAD START A 96 A 94 A 93 A 90 A 100
HEDGCOXE EL B 81 C 73 C 79 C 77 B 86
HICKEY EL A 94 A 92 B 88 C 75 A 100
HIGHTOWER EL A 91 N/R N/R N/R N/R
HUFFMAN EL B 80 C 77 C 79 B 80 C 79
HUGHSTON EL A 96 A 94 A 92 B 82 A 100
ISAACS EARLY CHILDHOOD
SCHOOL A 97 A 95 A 92 B 87 A 100
JACKSON EL B 87 A 91 B 80 B 83 C 78
MARTHA HUNT EL B 80 C 73 C 77 B 81 C 79
MATHEWS EL C 79 C 70 B 80 C 75 C 75
MCCALL EL B 83 C 72 B 85 B 80 C 77
MEADOWS EL A 93 A 92 A 91 C 79 A 96
MEMORIAL EL B 88 B 89 C 77 B 86 B 86
MENDENHALL EL A 91 N/R N/R N/R N/R
MILLER EL B 81 B 82 D 67 B 83 C 76
MITCHELL EL A 90 B 86 A 90 B 80 B 89
PEARSON EARLY CHILDHOOD A 94 A 92 B 88 C 79 A 98
RASOR EL B 87 A 91 B 82 B 81 C 78

ROSE HAGGAR EL B 89 A 91 B 86 C 75 B 85
SAIGLING EL C 74 C 71 D 67 C 75 C 71
SCHELL EL A 97 A 96 A 96 A 90 A 100
SHEPARD EL A 93 A 93 A 91 B 83 A 92
SIGLER EL C 74 D 67 C 75 D 67 C 73
SKAGGS EL C 75 C 71 C 75 D 67 C 75
STINSON EL A 90 A 91 B 85 C 72 B 86
THOMAS EL A 97 A 96 A 93 B 88 A 100
WEATHERFORD EL B 84 C 78 C 77 B 86 C 78
WELLS EL B 86 B 82 B 80 B 88 B 80
WYATT EL A 97 A 96 A 93 A 90 A 100
ARMSTRONG MIDDLE C 79 C 77 C 70 B 81 C 73
BOWMAN MIDDLE B 81 B 84 C 72 B 81 C 75
C M RICE MIDDLE B 89 A 91 B 80 B 81 B 85
CARPENTER MIDDLE B 88 A 90 C 77 B 81 B 82
FRANKFORD MIDDLE A 93 A 94 B 88 B 83 B 89
HAGGARD MIDDLE A 91 A 92 B 86 A 91 B 87
HENDRICK MIDDLE B 89 A 92 B 82 B 83 B 82
MURPHY MIDDLE A 95 A 94 A 91 B 82 A 98
OTTO MIDDLE B 84 C 78 C 77 B 81 A 90

PLANO ISD CONTINUED A 91 B 89 B 89 A 91 A 90
RENNER MIDDLE B 89 A 91 B 84 B 81 B 83

ROBINSON MIDDLE A 94 A 92 B 88 B 83 A 100
SCHIMELPFENIG MIDDLE A 93 A 94 A 90 B 88 A 90
WILSON MIDDLE B 83 B 85 C 77 B 81 C 79
C A MCMILLEN H S B 88 A 90 B 81 B 83 B 84
CLARK H S B 87 A 90 C 76 B 82 B 81
JASPER H S A 95 A 94 B 87 B 85 A 96
PLANO EAST SR H S B 89 A 93 A 91 B 85 C 78
PLANO ISD ACADEMY H S A 93 A 96 D 62 B 84 B 85
PLANO SR H S B 87 A 93 C 73 B 86 C 73
PLANO WEST SENIOR H S B 89 A 95 N/R B 87 C 74
SHEPTON H S B 86 B 89 C 70 B 81 B 80
VINES H S B 84 B 86 C 70 B 80 C 78

WILLIAMS H S B 82 B 80 C 78 B 82 B 83
PRINCETON ISD A 90 B 89 B 84 A 91 B 89
GODWIN EL C 76 C 73 D 62 C 78 C 71
HARPER EL C 71 C 72 D 65 C 75 D 63
LACY EL C 71 C 74 F 59 C 75 D 63
SMITH EL B 81 B 82 C 77 C 77 C 77
CLARK J H A 91 A 90 A 92 A 91 A 90
HUDDLESTON INT B 85 B 85 F 58 B 89 C 77
PRINCETON H S B 86 B 88 B 87 B 87 B 81
PROSPER ISD A 96 A 94 A 90 C 78 A 99

CYNTHIA A COCKRELL EL A 95 A 93 A 92 C 75 A 100
JIM AND BETTY HUGHES EL A 93 A 90 A 91 D 65 A 96
JIM SPRADLEY EL A 94 A 92 A 92 C 72 A 100
JOHN A BAKER A 92 A 91 B 85 D 69 A 94
JUDY RUCKER EL B 86 B 86 B 82 F 58 B 86
LIGHT FARMS EL A 94 A 92 B 89 D 69 A 100
R STEVE FOLSOM EL A 91 A 91 B 83 D 60 A 92
BOYER EL A 94 A 92 A 92 D 69 A 100
WINDSONG RANCH EL B 87 A 91 C 79 D 60 C 79
LORENE ROGERS MIDDLE A 94 A 93 B 86 B 80 A 96
REYNOLDS MIDDLE A 90 A 92 B 80 D 60 B 86
PROSPER H S A 95 A 94 A 90 C 78 A 98
WYLIE ISD A 93 A 93 B 89 A 90 A 94
CHERI COX EL B 85 A 90 F 59 C 75 C 73
DODD EL A 90 A 91 B 82 B 80 B 89
DON WHITT EL A 95 A 93 A 93 B 83 A 98
GEORGE W BUSH EL B 86 A 90 C 75 B 84 C 78
P M AKIN EL B 85 A 90 D 65 C 79 C 73
R F HARTMAN EL A 94 A 92 C 79 A 92 A 100
R V GROVES EL A 93 A 91 B 85 B 84 A 96
RITA SMITH EL B 88 A 92 C 70 B 80 C 79
T F BIRMINGHAM EL B 83 B 86 D 69 B 81 C 76

WYLIE ISD CONTINUED A 93 A 93 B 89 A 90 A 94
TIBBALS EL A 91 A 93 B 83 B 80 B 85

WALLY WATKINS EL A 91 A 92 C 77 B 80 B 89
AB HARRISON INT B 88 A 92 C 74 B 88 C 78
DAVIS INT A 90 A 92 B 81 B 87 B 86
DR AL DRAPER INTERMED A 91 A 93 B 84 A 91 B 87
FRANK MCMILLAN J H A 94 A 92 A 90 B 87 A 97
GRADY BURNETT J H A 94 A 92 A 90 B 86 A 99
RAYMOND B COOPER J H A 92 A 93 B 86 A 90 B 88
WYLIE EAST H S A 93 A 94 B 88 B 87 A 90
WYLIE H S A 92 A 94 B 86 B 86 B 88