BULLETIN NO: 2025-13<\/p>\n
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December 15, 2025<\/p>\n
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Internal<\/p>\n
EFFECTIVE DATE | January 1, 2026<\/p>\n
SUBJECT: Revised United Resale Package Dated January 1, 2026<\/p>\n
NEWSFLASH – RESALE PACKET REVISIONS – EFFECTIVE JANUARY 1, 2026<\/p>\n
United Mutual\u2019s resale package has been updated with an effective date of Thursday<\/p>\n
January 1, 2026. It will not be posted on the website until close of business on Wednesday,<\/p>\n
December 31, 2025. The revisions affect the pages listed below and are not all inclusive:<\/p>\n
Page 1 \u2014 The first page was revised in the following ways:<\/p>\n
LJ<\/p>\n
Added the language \u201cfound on the Laguna Woods Village website under Sales\u201d to<\/p>\n
direct readers to United\u2019s Financial Qualifications Policy, which is no longer a part of<\/p>\n
the resale packet and is available only on the website.<\/p>\n
Updated the membership counselor email address from<\/p>\n
salesrequirements@vmesinc.org to sales@vmsinc.org.<\/p>\n
LJ<\/p>\n
Removed the sales phone number.<\/p>\n
Page 2 \u2014 The Table of Contents was revised in the following ways:<\/p>\n
LJ<\/p>\n
Removed the Seller’s Authorization to Release of Information.<\/p>\n
LJ<\/p>\n
Added the Criminal Background Report Instructions.<\/p>\n
LJ<\/p>\n
Changed the date of the Annual Insurance Disclosure and Policy Summary.<\/p>\n
Page 4 \u2014 The Fees chart was updated in the following ways:<\/p>\n
LJ<\/p>\n
Added the new GRF Trust Facilities Fee<\/p>\n
LJ<\/p>\n
Added the monthly fees for each additional occupant over two.<\/p>\n
Page 5 \u2014 The Escrow Documentation Checklist was updated in the following ways:<\/p>\n
LJ<\/p>\n
Added the Criminal Background Report in place of the Seller’s Authorization to<\/p>\n
Release of Information form. A criminal background report is now required as part of<\/p>\n
the submitted resale packet. The Seller’s Authorization to Release of Information<\/p>\n
form is no longer required because all HOA disclosure documents are now<\/p>\n
purchased through HomeWise.<\/p>\n
LJ<\/p>\n
Under No. 5: Added the language \u201cor Lost Instrument Bond (original).\u201d<\/p>\n
LJ<\/p>\n
Under No. 15: Added \u201cSee United’s Financial Qualifications Policy\u201d
\nLJ<\/p>\n
Under new No. 16: Removed the Financial Qualifications Policy and replaced it with<\/p>\n
\u201cAssessment\/Charges Guarantor Form (if applicable) \u2014 attached to Financial<\/p>\n
Qualifications Policy.\u201d<\/p>\n
Under No. 4(a): The words \u201cand Remittance Report and Escrow Closing Information<\/p>\n
\u300d<\/p>\n
was added and \u201cin duplicate\u201d was removed from the bottom of the page.<\/p>\n
Page 6 \u2014 Removed the Seller\u2019s Authorization to Release of Information and added the<\/p>\n
Criminal Background Report Instructions.<\/p>\n
Page 7 \u2014 Changed Resolution 01-24-28 to Resolution 01-25-06.<\/p>\n
Page 9 \u2014 The Resale Notification cover page was updated in the following ways:<\/p>\n
LJ<\/p>\n
Added the Criminal Background Report (from escrow company).<\/p>\n
LJ<\/p>\n
Added United Stock Certificate (original) or Lost Instrument Bond (original).<\/p>\n
LJ<\/p>\n
Added First Inspection Report (from Escrow company).<\/p>\n
LJ<\/p>\n
Removed \u201cEscrow Closing Information\u201d and \u201cEscrow Closing Notification and<\/p>\n
Remittance Report\u201d, since they are a part of the closing documentation.<\/p>\n
Added \u201capplicant\u201d in place of \u201cperson on title\u201d on new line No. 9.<\/p>\n
Added the words \u201cif applicable\u201d and \u201cinitialed by each buyer\u201d next to those<\/p>\n
documents that either need to be initialed or are applicable.<\/p>\n
Changed the words \u201cperson on title\u201d to \u201capplicant\u201d next to the words \u201cFinancial<\/p>\n
Statement and Credit Information (income and asset verification for each person on<\/p>\n
title)\u201d.<\/p>\n
LJ<\/p>\n
Added the Stock Assignment Separate from Certificate (if applicable).<\/p>\n
LJ<\/p>\n
Renumbered the list of documents to be enclosed with the resale packet.<\/p>\n
Page 11 \u2014 Revised the Escrow Closing Notification and Remittance Report to update the GRF<\/p>\n
Trust Facilities Fee amount under 2(j).<\/p>\n
Page 16 \u2014 Revamped the middle section under Shareholder\/Membership Application.<\/p>\n
Page 17 \u2014 The United Mutual Membership and Occupancy Requirements was updated in the<\/p>\n
following ways:<\/p>\n
LJ<\/p>\n
Removed \u201cor baptismal certificate\u201d under the first paragraph.<\/p>\n
LJ<\/p>\n
Changed the second paragraph under \u201cMember\u201d to \u201cIn order to reside, the<\/p>\n
shareholders must be 55 years of age or older; any other co-occupants who reside<\/p>\n
must be at least 45 years of age and reside with the full-time qualified resident,<\/p>\n
except a spouse who may be any age. A disabled child\/grandchild may reside<\/p>\n
under certain conditions (Section 51.3 of the California Civil Code).\u201d<\/p>\n
LJ<\/p>\n
Changed the entire section under \u201cCo-occupants\u201d to:<\/p>\n
Nonmembers who reside with the approval of the United Mutual Board of<\/p>\n
Directors and reside with a full-time qualified resident.<\/p>\n
Page | 2
\nIn order to reside, at least one occupant must be 55 years of age or older; all<\/p>\n
other persons who reside must be at least 45 years of age, unless the other<\/p>\n
occupant is:<\/p>\n
(1) A spouse or cohabitant; or<\/p>\n
(2) A primary provider of physical health care.<\/p>\n
Note: Care providers are not permitted to use the community facilities, except<\/p>\n
when it is directly related to providing necessary support to the member or an<\/p>\n
approved resident. A care provider ID card will be issued and must be worn at<\/p>\n
all times.<\/p>\n
Co-occupants may reside only upon the issuance and approval of an<\/p>\n
application for co-occupancy by United Mutual’s Board of Directors and which<\/p>\n
must be executed by all shareholder members.<\/p>\n
Added the word \u201capproved\u201d before \u201cbedrooms\u201d under \u201cOccupancy limits.\u201d<\/p>\n
Changed the second sentence under \u201cUnit assessments\u201d to read as follows: \u201cAn<\/p>\n
additional monthly fee, as established by the housing corporation and GRF will be<\/p>\n
charged for each additional occupant.\u201d<\/p>\n
Changed the word \u201cBuyer\u201d to \u201cApplicant\u201d at the bottom of the page where each<\/p>\n
buyer must initial to acknowledge they have read the document.<\/p>\n
Pages 18-20 \u2014 Changed the GRF Trust Facilities Fee documentation to reflect the increased fee<\/p>\n
and calculations of the Promissory Note.<\/p>\n
Page 21 \u2014 The Financial Statement and Credit Information was updated in the following ways:<\/p>\n
LJ<\/p>\n
Added the following language at the top of the page, as the Financial Qualifications<\/p>\n
Policy was removed from the resale packet: \u201cUnited Mutual’s Financial<\/p>\n
Qualifications Policy can be found here: lagunawoodsvillage.com\/sales-<\/p>\n
information.\u201d<\/p>\n
Changed the language in the first box from \u201cThe corporation may elect to obtain…\u201d<\/p>\n
to \u201cThe corporation requires each….\u201d<\/p>\n
Page 23 \u2014 Is the current \u201cAnnual Insurance Disclosure and Policy Summary \u2014 October 1, 2025\u201d<\/p>\n
Page 25 \u2014 The Residency Restrictions were updated in the following ways:<\/p>\n
Added the word \u201capproved\u201d before \u201cbedrooms, plus one…\u201d<\/p>\n
Added: \u201cCoyotes and other wildlife are active in and around Laguna Woods Village<\/p>\n
Wildlife activity is regulated by state and city laws. Village Management Services<\/p>\n
Inc., the Golden Rain Foundation of Laguna Woods, Third Laguna Hills Mutual and<\/p>\n
United Laguna Woods Mutual assume no liability for wildlife encounters or related<\/p>\n
Page | 3
\nincidents and are not responsible for any injury, damage or nuisance caused by<\/p>\n
coyotes or other wildlife.\u201d<\/p>\n
Page 28 \u2014 The Occupancy Agreement was updated in the following ways:<\/p>\n
LJ<\/p>\n
Removed the words \u201cat Laguna Woods, California\u201d Under No. 3.<\/p>\n
LJ<\/p>\n
Revised the paragraph below No. 3 to: \u201cBy executing this Occupancy Agreement<\/p>\n
in the space provided below, the signatory agrees as follows.\u201d<\/p>\n
Page 34 \u2014 The Addendum to Occupancy Agreement \u2014 Trustee Membership was updated in<\/p>\n
the following ways:<\/p>\n
LJ<\/p>\n
Under No. 2: Changed the recital to \u201cThe current beneficiary is permitted to<\/p>\n
occupy or sublease the dwelling unit, with the trustee\u2019s consent.\u201d<\/p>\n
LJ<\/p>\n
Switched the signature lines for Trustee and Current beneficiary.<\/p>\n
Pages 41-42 \u2014 Revamped the Application for Co-Occupancy Permit.<\/p>\n
NOTE: Please use only the most recent resale packages and please delete all outdated United<\/p>\n
Mutual resale packages from your system, as forms are frequently revised and updated.<\/p>\n
After January 1, 2026, any resale packets that do not carry the January 1, 2026 date, and any<\/p>\n
incomplete or older applications will not be accepted or processed. Any applications stamped<\/p>\n
received before January 1, 2026, will be accepted.<\/p>\n
Find the most recent resale packet dated January 1, 2025, at lagunawoodsvillage.com > Sales<\/p>\n
Select United Laguna Woods Mutual.<\/p>\n
Realtors and escrow officers must inform their staff and clients of these revisions.<\/p>\n
Email sales@vmsinc.org with questions about the revisions. Thank you.<\/p>\n
Page | 4<\/p>","protected":false},"author":28,"featured_media":0,"template":"","document_category":[1227],"document_type":[53],"class_list":["post-79078","document","type-document","status-publish","hentry","document_category-realtor-info-bulletins","document_type-other"],"acf":{"document":79079,"resolutions":null,"legacy_id":"","pdf_extracted_text":""},"yoast_head":"\n