Your interest rate will be based on an index rate plus a margin. The following Spanish forms are available at texasrealestate.com/realtorforms. 2. You have a legal right under Federal law to cancel this new transaction, without cost, within three business days from whichever of the following events occurs last: (1) the date of this new transaction, which is ______; or, (2) the date you received your new Truth in Lending disclosures; or. ], [The maximum interest rate increase at one time will be ___________%. (See Samples H-12 through H-15. propiedad es intachable, entonces su firma en la escritura automticamente transfiere la propiedad. The payment schedule and terms assumes a 20-year loan term, the assumed maximum interest rate, and that the consumer elected to defer payments while enrolled in school. Deleting inapplicable disclosures by whiting out, blocking out, filling in N/A (not applicable) or 0, crossing out, leaving blanks, checking a box for applicable items, or circling applicable items. noun. against the interest served by the limiting or conditioning the access. 8. Go with your gut and take note of suspicions along the way. The sample disclosure also illustrates the alternative disclosure under 1026.19(b)(2)(viii)(B) that the initial and the maximum interest rates and payments be shown for a $10,000 loan originated at an initial interest rate of 12.41 percent (which was in effect July 1996) and to have 2 percentage point annual (and 5 percentage point overall) interest rate limitations or caps. Texas REALTORS is committed to advocating for a strong real estate industry, advancing a culture of continued learning, and staying ahead of issues concerning members and their clients. This notice will contain information about the adjustment, including the interest rate, payment amount, and loan balance. We have noted before that financial institutions need to make sure translations they use are accurate, and, when it comes to translations, they should prioritize communications and activities that most significantly affect consumers. Description: This is a blank model Loan Estimate that illustrates the application of the content requirements in 1026.37. This sample illustrates a graduated payment transaction subject to 1026.17(a) with a 5-year graduation period and a 71/2 percent yearly increase in payments. As a result, the samples do not provide the general protection from civil liability provided by the model forms and clauses. For the first five years of the loan term, the scheduled payments cover only interest and the loan has an introductory interest rate that is fixed at 4.00 percent. 1. As a Texas home seller, honesty on your disclosure form tends to be the best policy. D. Using brackets, instead of checkboxes, to indicate inapplicable disclosures. Sellers disclosure vs. home inspection. Description: This is a blank model form for the written list of settlement service providers required by 1026.19(e)(1)(vi) and the statement required by 1026.19(e)(1)(vi)(C) that the consumer may select a settlement service provider that is not on the list. The example is based on the following assumptions: Note: To see what your payments would have been during that period, divide your mortgage amount by $10,000; then multiply the monthly payment by that amount. Description: This is a blank model Closing Disclosure that illustrates the content requirements in 1026.38, and is translated into the Spanish language as permitted by 1026.38(t)(5)(viii). En cada caso concreto, el inters pblico en, con el inters que justifica la limitacin, At the most basic level it means deciding. Use Fill to complete blank online OTHERS pdf forms for free. The lack of trust between a buyer and seller can demotivate a buyer from considering your property altogether. Creditors may preprint the variable rate disclosures based on a representative amount for similar types of transactions, instead of constructing an individualized example for each transaction. This sample illustrates an automobile credit sale. This sample illustrates a disclosure required under 1026.47(a). While Texas REALTORS has used reasonable efforts in collecting and preparing materials included here, due to the rapidly changing nature of the real estate marketplace and the law, and our reliance on information provided by outside sources, Texas REALTORS makes no representation, warranty, or guarantee of the accuracy or reliability of any information provided here. Moreover, this Disclosure Statement is not intended to be a substitute Borrower Date 1026.32 Requirements for high-cost mortgages. I understand that my balance will actually grow during the suspension period as interest continues to accumulate. 1026.8 Identifying transactions on periodic statements. la palabra "no" se encuentra marcada cerca de la pregunta sobre el conocimiento del uso previo, dentro de las premisas para de la manufactura de metanfetamina. Description: This is a sample of the information required by 1026.37(a) and (b) for a transaction with negative amortization. de un tercero basados en la propiedad intelectual est sujeta a tres limitaciones importantes. By Emily Schwerer Proof of funds must accompany all cash offers, pre-approval must accompany all financed ofers. This document is also known as a property disclosure, and its important for both those buying a house and for those selling a house. (act of disclosing) a. la revelacin (F) The witness worried that the disclosure of his identity could put him at risk.El testigo tema que la In other words, the body text was not compressed to appear smaller than the 10-point type size. 1026.56 Requirements for over-the-limit transactions. One of the biggest mistakes a seller can make is not giving disclosures at all. three-bedroom home in Grapevine the Rodriguezes bought in October, "no" is marked. Razn: Revise muy. HRSA-502-2 9-82. Contact Us to ask a question, provide feedback, or report a problem. The Texas REALTORS provides Spanish translations for informational purposes only. of the Code of Virginia) requires the owner of certain residential real propertywhenever the property is to be sold or leased with an option To see what your payments would be, divide your mortgage amount by $10,000; then multiply the monthly payment by that amount. In both representative examples and transaction-specific examples, creditors may refer either to the incremental change in rate, payment amount, or number of payments, or to the resulting rate, payment amount, or number of payments. of the arbitral analysis, shall be adopted. Show more. The sample assumes the consumer financed $10,000 at an 8.23% annual percentage rate. I understand that my balance will actually grow during the suspension period as interest continues to accumulate. I also understand that depending on the event, the protection may only temporarily suspend my duty to make minimum payments, not reduce the balance I owe. iv. To be prepared for how the family law facilitator can help you, read the disclosure form. 1026.11 Treatment of credit balances; account termination. entail, seeking truly informed consent of those persons recruited to participate in the research enterprise. Dearborn Real Estate Education. 15. (For example, in 1996 the monthly payment for a mortgage amount of $60,000 taken out in 1982 would be: $60,000 $10,000 = 6; 6 $106.73 = $640.38.)]. The creditor may also delete or, on multi-purpose forms, indicate inapplicable disclosures, such as: A. vi. Webseller agree to adjust the sales price in response to an appraised value that is less than the sales price, a new amendatory clause is not required. Models H-4 through H-7. The creditor does not require an escrow account with the loan. Please enroll me in the optional [name of program], and bill my account the fee of $200.00. coldwellbankerkasey.com. ], [you would have to make ___________ additional payments. title to the property is unblemished, then his signature on the deed automatically transfers the property. Por ejemplo, en 2006 renovamos nuestra adherencia al Carbon Disclosure Project. The prior version of model form H-9 is substantially similar to the current version and creditors may continue to use it, as appropriate. In the United States, a seller disclosure statement is a form disclosing the seller's knowledge of the condition of the property. 565.952 Applicability of seller disclosure requirements. It contains an example of how to disclose historical changes in the index or formula values used to compute interest rates for the preceding 15 years. New York State Disclosure Form for Buyer and. [To Enroll, Sign Here]/[To Enroll, Initial Here]. There is a $25 credit report fee paid by the consumer before consummation, which is a prepaid finance charge. (a) disclosing that inside information to any third, normal course of the exercise of his employment, profession or duties, a un tercero, salvo en el ejercicio normal de su trabajo, su profesin o sus funciones. Published on 23 April 2021 Caps 2 percentage points annual interest rate. In the United States, a seller disclosure statement is a form disclosing the seller's knowledge of the condition of the property. This sample illustrates a refinancing and consolidation loan. Description: This is a blank model form of the alternative disclosures and modifications permitted by 1026.38(d)(2), (e), and (t)(5)(vii) for transactions without a seller. The abbreviated disclosure permitted under 1026.18(g)(2) is used for the payment schedule for years 6 through 30. Samples H-13 through H-15. Language links are at the top of the page across from the title. Index values are measured for 15 years, as of the first week ending in July. A seller disclosure acts as a bridge to close these doubts, giving buyers a reason to have faith in you and your deal. B. The sample assumes a range of interest rates between 7.375% and 17.375%. Keep one copy of this notice because it contains important information about your rights. o puntajes que otros compradores han hecho de l. c. You will not post content or take any action on our blog posts that infringes someone elses rights or otherwise violates the law. Disclosure of Information on Lead-Based Paint and/or Lead-Based Paint Hazards (pdf) (168.24 KB) Learn About Lead. SELLER AND PURCHASER ACKNOWLEDGEMENT FORM . [2] Seller disclosure statements are not compulsory in New Mexico.[3]. Your monthly payment can increase or decrease substantially based on annual changes in the interest rate. This does not necessarily indicate how your index will change in the future. formulario de declaracin de la situacin. Description: This is a sample of the Loan Estimate illustrated by form [H-24(D) for a refinance transaction in which the consumer is estimated to receive funds from the transaction, translated into the Spanish language as permitted by 1026.37(o)(5)(ii). See interpretation of this section in Supplement I, H-3 Amount Financed Itemization Model Form (1026.18(c)), H-4(A) Variable-Rate Model Clauses (1026.18(f)(1)), H-4(B) Variable-Rate Model Clauses (1026.18(f)(2)), H-4(C) Variable-Rate Model Clauses (1026.19(b)), H-4(D)(1) Adjustable-Rate Mortgage Model Form (1026.20(c)), H-4(D)(2) Adjustable-Rate Mortgage Sample Form (1026.20(c)), H-4(D)(3) Adjustable-Rate Mortgage Model Form (1026.20(d)), H-4(D)(4) Adjustable-Rate Mortgage Sample Form (1026.20(d)), H-4(E) Fixed-Rate Mortgage Interest Rate and Payment Summary Model Clause (1026.18(s)), H-4(F) Adjustable-Rate Mortgage or Step-Rate Mortgage Interest Rate and Payment Summary Model Clause (1026.18(s)), H-4(G) Mortgage with Negative Amortization Interest Rate and Payment Summary Model Clause (1026.18(s)), H-4(H) Fixed-Rate Mortgage with Interest-Only Interest Rate and Payment Summary Model Clause (1026.18(s)), H-4(I) Adjustable-Rate Mortgage Introductory Rate Disclosure Model Clause (1026.18(s)(2)(iii)), H-4(J) Balloon Payment Disclosure Model Clause (1026.18(s)(5)), H-5 Demand Feature Model Clauses (1026.18(i)), H-6 Assumption Policy Model Clause (1026.18(q)), H-7 Required Deposit Model Clause (1026.18(r)), H-8 Rescission Model Form (General) (1026.23), H-9 Rescission Model Form (Refinancing (with Original Creditor)) (1026.23), H-13 Closed-End Transaction With Demand Feature Sample, H-14 Variable-Rate Mortgage Sample (1026.19(b)), H-15 Closed-End Graduated-Payment Transaction Sample, H-18 Private Education Loan Application and Solicitation Model Form, H-19 Private Education Loan Approval Model Form, H-20 Private Education Loan Final Model Form, H-21 Private Education Loan Application and Solicitation Sample, H-22 Private Education Loan Approval Sample, H-24(A) Mortgage Loan Transaction Loan Estimate - Model Form, H-24(B) Mortgage Loan Transaction Loan Estimate - Fixed Rate Loan Sample, H-24(C) Mortgage Loan Transaction Loan Estimate - Interest Only Adjustable Rate Loan Sample, H-24(D) Mortgage Loan Transaction Loan Estimate - Refinance Sample, H-24(E) Mortgage Loan Transaction Loan Estimate - Balloon Payment Sample, H-24(F) Mortgage Loan Transaction Loan Estimate - Negative Amortization Sample, H-24(G) Mortgage Loan Transaction Loan Estimate - Modification to Loan Estimate for Transaction Not Involving Seller - Model Form, H-25(A) Mortgage Loan Transaction Closing Disclosure - Model Form, H-25(B) Mortgage Loan Transaction Closing Disclosure - Fixed Rate Loan Sample, H-25(C) Mortgage Loan Transaction Closing Disclosure - Borrower Funds From Second-Lien Loan in Summaries of Transactions Sample, H-25(D) Mortgage Loan Transaction Closing Disclosure - Borrower Satisfaction of Seller's Second-Lien Loan Outside of Closing in Summaries of Transactions Sample, H-25(E) Mortgage Loan Transaction Closing Disclosure - Refinance Transaction Sample, H-25(F) Mortgage Loan Transaction Closing Disclosure - Refinance Transaction Sample (amount in excess of 1026.19(e)(3)), H-25(G) Mortgage Loan Transaction Closing Disclosure - Refinance Transaction With Cash From Consumer at Consummation Sample, H-25(H) Mortgage Loan Transaction Closing Disclosure - Modification to Closing Cost Details - Model Form, H-25(I) Mortgage Loan Transaction Closing Disclosure - Modification to Closing Disclosure for Disclosure Provided to Seller - Model Form, H-25(J) Mortgage Loan Transaction Closing Disclosure - Modification to Closing Disclosure for Transaction Not Involving Seller - Model Form, H-26 Mortgage Loan Transaction - Pre-Loan Estimate Statement - Model Form, H-27(A) Mortgage Loan Transaction - Written List of Providers - Model Form, H-27(B) Mortgage Loan Transaction - Sample of Written List of Providers, H-27(C) Mortgage Loan Transaction - Sample of Written List of Providers with Services You Cannot Shop For, H-28(A) Mortgage Loan Transaction Loan Estimate - Spanish Language Model Form, H-28(B) Mortgage Loan Transaction Loan Estimate - Spanish Language Purchase Sample, H-28(C) Mortgage Loan Transaction Loan Estimate - Spanish Language Refinance Sample, H-28(D) Mortgage Loan Transaction Loan Estimate - Spanish Language Balloon Payment Sample, H-28(E) Mortgage Loan Transaction Loan Estimate - Spanish Language Negative Amortization Sample, H-28(F) Mortgage Loan Transaction Closing Disclosure - Spanish Language Model Form, H-28(G) Mortgage Loan Transaction Closing Disclosure - Spanish Language Purchase Sample, H-28(H) Mortgage Loan Transaction Closing Disclosure - Spanish Language Refinance Sample, H-28(I) Mortgage Loan Transaction Loan Estimate - Modification to Loan Estimate for Transaction Not Involving Seller - Spanish Language Model Form, H-28(J) Mortgage Loan Transaction Closing Disclosure - Modification to Closing Disclosure for Transaction Not Involving Seller - Spanish Language Model Form, H-29 Escrow Cancellation Notice Model Form (1026.20(e)), H-30(A) Sample Form of Periodic Statement (1026.41), H-30(B) Sample Form of Periodic Statement with Delinquency Box (1026.41), H-30(C) Sample Form of Periodic Statement for a Payment-Option Loan (1026.41), H-30(D) Sample Clause for Homeownership Counselor Contact Information (1026.41), H-30(E) Sample Form of Periodic Statement for Consumer in Chapter 7 or Chapter 11 Bankruptcy, H-30(F) Sample Form of Periodic Statement for Consumer in Chapter 12 or Chapter 13 Bankruptcy, $__________ to [public officials] [credit bureau] [appraiser] [insurance company], $__________ to (name of another creditor). [If your loan were for $___________ at ___________% for (term) and the rate increased to ___________% in (time period), [your regular payments would increase by $___________. bienes que deben constar en el registro de intereses. The creditor requires an escrow account and that the consumer pay for private mortgage insurance for the transaction. G. Using a symbol, such as an asterisk, for estimated disclosures, instead of an e.. WebSec. Applicability of the legal principles discussed in this material may differ substantially in individual situations. The model clauses are not included in the model forms although they are mandatory for certain transactions. What to do if a seller lies on a home disclosure. If you think a seller lied on the property disclosure statement, there are a number of steps you can take. First, I recommend contacting [your] real estate agent to reach out to the sellers agent, said Stephen Hachey, a Florida real estate attorney who runs his own law firm. Your home is the security for that amount. (a) disclosing that inside information to any third, normal course of the exercise of his employment, profession or duties, a un tercero, salvo en el ejercicio normal de su trabajo, su profesin o sus funciones. This act shall be known and may be cited as the "seller disclosure act". Samples H-13 and H-15 are for transactions subject to 1026.17(a). el comprador, se concede siempre y cuando no se opongan derechos de proteccin pertenecientes a terceros. Show more. ], [Final Balloon Payment due (date): $______]. Sample H-16. ], [The interest rate will not increase above ___________%. Webc) To warn the persons that are included on the list of the nature of the information and of their duty of non-disclosure and the prohibition of using said information. Creditors have considerable flexibility in filling out Model H-3 (itemization of the amount financed). See the commentary to 1026.2(a)(25) regarding the specificity of the security interest disclosure for model form H-9. lsnj.org. A creditor may use a larger sheet of paper, such as 81/2 14 inch sheets of paper, or may use multiple pages. de un tercero basados en la propiedad intelectual est sujeta a tres limitaciones importantes. If you cancel this new transaction, it will not affect any amount that you presently owe. 1026.1 Authority, purpose, coverage, organization, enforcement, and liability. After five years, the payments include principal and the interest rate adjusts every three years based on the value of the Monthly Treasury Average index plus a margin of 4.00 percent. WebSeller's Disclosure In Spanish The Forms Professionals Trust! Illustrating disclosure It demonstrates the loan amount, interest rate, and total paid when a consumer makes loan payments while in school, pays only interest while in school, and defers all payments while in school. entail, seeking truly informed consent of those persons recruited to participate in the research enterprise. 30. in forums or ratings other buyers granted to it. The itemization of the amount financed option. This is not a good example for the translation above. WebBlank closing disclosure, with alternative disclosures and modifications permitted for transactions without a seller (en Espaol) Download PDF. The information about circumstances, limitations, and effects of an increase may be given in terms of the contract interest rate or the annual percentage rate. propiedad es intachable, entonces su firma en la escritura automticamente transfiere la propiedad. i. The translation is wrong or of bad quality. Model H-4(K) illustrates the no-guarantee-to-refinance statement required by 1026.18(t) for a mortgage transaction. The payment schedule and terms assumes a 20-year loan term and that the consumer elected to defer payments while enrolled in school. WebSELLER IS OBLIGATED UNDER LAW AND UNDER REPC SECTION 7(a), REGARDLESS OF OCCUPANCY, TO DISCLOSE TO BUYERS DEFECTS IN THE PROPERTY AND a. WebThe purpose of the Seller Property Disclosure Statement is to allow a property seller to disclose facts about the home and property to potential home buyers that could be of material importance in moving forward with the purchase of the home. Description: This is a blank model Loan Estimate that illustrates form [H-24(G), with the optional alternative disclosures permitted by 1026.37(d)(2) and (h)(2) for transactions without a seller, translated into the Spanish language as permitted by 1026.37(o)(5)(ii). Traduce cualquier texto gracias al mejor traductor automtico del mundo, desarrollado por los creadores de Linguee. The sample forms (H-10 through H-15) serve a different purpose than the model forms. The loan would not reach the maximum interest rate until its fourth year because of the 2 percentage point annual rate limitations, and the maximum payment disclosed reflects the amortization of the loan during that period. This disclosure form is required by sellers of previously occupied single family residences and is to be used in conjunction with a contract for the sale of real property entered into on or after September 1, 2019. Changes to the model forms may not be so extensive as to affect the substance or clarity of the forms. No. [] deben incluir un formular io de informacin acerca de la pintura con base de plomo. However, pursuant to 1026.37(o)(3) and 1026.38(t)(3), for federally related mortgage loans forms H-24(A) through (G) and H-25(A) through (J) are standard forms required to be used for the disclosures required under 1026.37 and 1026.38, respectively. The creditor may delete inapplicable disclosures, such as: A. The example below shows how your payments would have changed under this ARM program based on actual changes in the index from 1982 to 1996. WebNew Jersey Sellers Must Disclose Known, Latent, Material Defects. Your interest rate cannot increase or decrease more than 2 percentage points per year. [If the interest rate increases by ___________% in (time period), [your regular payments will increase to $___________. In January 2023, the Federal Housing Finance Agency (FHFA) directed Fannie Mae and Freddie Mac to change their loan, Issues Mobilization and Political Advocacy Assessment, TACS Texas Accredited Commercial Specialist, TAHS Texas Affordable Housing Specialist, TRLP Texas REALTORS Leadership Program, TRLS Texas Residential Leasing Specialist, TRPM Texas Residential Property Manager, Sales of Million-Dollar Homes in Texas Report. which the buyer is to submit to the seller. para as obtener el consentimiento genuinamente fundamentado de las personas que acceden a participar en la investigacin. d. You will not post any information intended to sell or advertise a business, product, or service. 16. This form provides three variations of page one, one page two, one page three, four variations of page four, and four variations of page five, reflecting the variable content requirements in 1026.38. 10. Model H-6. No. You may keep any money we have given you in this new transaction until we have done the things mentioned above, but you must then offer to return the money at the address below. iii. 5. WebSpanish Translation of TAR 1406 Texas Association of R EALTORS , Inc. 2016 NOTIFICACIN DE DIVULGACIN DE INFORMACIN DEL VENDEDOR Texas Association of REALTORS, Inc. 2016 La seccin 5.008, del Cdigo de la Propiedad requiere al vendedor de una propiedad residencial de no ms de una unidad habitacional, Model H-7. WebA seller's disclosure form is a legally required statement that discloses important or relevant information to a real property buyer. bienes que deben constar en el registro de intereses. iv. Description: This is a blank model form of the disclosures required by 1026.20(e). The cash price is $7,500 with a downpayment of $1,500. iii. This contains the required deposit clause. Sample H-22. Disclosures are one part of the way financial institutions interact with their customers. Modified on 23 April 2021 (See Samples H-11 and H-12. This sample disclosure form illustrates the disclosures under 1026.19(b) for a variable-rate transaction secured by the consumer's principal dwelling with a term greater than one year. Espaol. Use DeepL Translator to instantly translate texts and documents, three-bedroom home in Grapevine the Rodriguezes bought in October, "no" is marked. como por ejemplo dibujos, plantillas, modelos, etc., aportados por. The New York State Disclosure Form for Buyer and form v. Model H-4(H) illustrates the interest rate and payment summary table required under 1026.18(s) for a fixed-rate, interest-only mortgage transaction. Description: This is a sample of a completed Closing Disclosure for the fixed rate loan illustrated by form [H-24(B). The loan amount is $44,900, payable in 360 monthly installments at a simple interest rate of 14.75%. Description: This is a sample of the Written List of Providers for the transaction in the sample Loan Estimate illustrated by form [H-24(B). This does not necessarily indicate how your index will change in the future. Webin the sellers possession and notify the buyer of any known lead-based paint hazards. SELLER MAKES THE FOLLOWING DISCLOSURES OF EXISTING MATERIAL FACTS OR MATERIAL DEFECTS TO BUYER BASED ON SELLER'S ACTUAL KNOWLEDGE OF THE PROPERTY AT THE TIME SELLER COMPLETES THIS DISCLOSURE STATEMENT. carta certificada ser de validez en este caso. While only forms in English may be used as legal documents, Spanish translations can help your clients better understand concepts in the real estate forms. While only forms in There is a 12% simple interest rate and a term of 2 years. Although use of the model forms is not required, creditors using them properly will be deemed to be in compliance with the regulation with regard to private education loan disclosures. A 10-day period to conduct a paint inspection or risk assessment for etc. Creditors may make certain types of changes to private education loan model forms H-18 (application and solicitation), H-19 (approval), and H-20 (final) and still be deemed to be in compliance with the regulation, provided that the required disclosures are made clearly and conspicuously. SELLER AND PURCHASER ACKNOWLEDGEMENT FORM . title to the property is unblemished, then his signature on the deed automatically transfers the property. A sellers disclosure is a legal document protecting both the seller and the buyer. Model Form H-29. money-wise.org. Most frequent English dictionary requests: Suggest as a translation of "seller's disclosure". D. Sufficient white space around the text of the information in each row, by providing sufficient margins above, below and to the sides of the text. bakerroofing.com. By interacting with any of our blog posts, you agree to comply with the following terms and conditions: Texas REALTORS, in its sole discretion, reserves the right to remove any content you have uploaded, posted, or submitted onto any of our blog posts if we believe that it violates these terms or conditions. Sample H-10. The sample assumes a variable annual percentage rate in an instance where there is no maximum interest rate. Sufficient spacing between lines of the text. Im working with a prospective buyer who only speaks Spanish and has his son translate to English. 1026.34 Prohibited acts or practices in connection with high-cost mortgages. Insofar as this is governed by provisions of public law, En la medida que esta cuestin se rija por disposiciones del derecho pblico, es aplicable en, This dialogue must not just be pursued when there is a shortage, or, No debemos perseguir este dilogo slo cuando hay escasez o cuando exis. earlier. formulario de la declaracin. This contains the demand feature clause. 1026.2 Definitions and rules of construction. 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. [] that sellers or sellers' agents disclose statewide hazards of potential concern to real estate buyers. A readable font style and font size (10-point Helvetica font style for body text).
Susan Sennett Nash Ontkean Obituary,
What Does The Terebinth Tree Symbolize,
What Hotels Do Caledonian Travel Use,
Meteorite In California Today,
Articles S