How to get to closing!

Steps to a Successful Closing your new home!

You have finally found that perfect home, signed a purchase agreement, had your inspections and received approval on your mortgage. Congratulations! You are almost there! The only thing that awaits you now is the closing - where you officially receive your property and you have some documents to sign.

Here is an overview of what will be taking place once the closing date has been set:

•·        A survey of the home's property will be conducted.

• The title will be researched to verify the seller actually owns the property and that there are no claims on it.
• You will need to get homeowner's insurance and present proof of it on the closing date. If needed, you will also need to present proof of flood insurance.
• Just before closing, it will be a good idea to do a final walk-through of the house to check any repairs that may have been made and make sure that no new damage has been done.
• About a day or so before your closing, your bank should provide you with the total amount of your closing costs.
• Be sure to have a certified check or money order with that amount when you come to closing.
• At the closing meeting, be prepared to sign your name - several times!

Here is a basic overview of what will take place during the meeting itself: Settlement and mortgage documents are examined and signed, any outstanding fees are paid (closing costs and down payments) and the property is officially transferred to you.

Most closings can be hassle-free if you have the right people working on your side. If you have any questions about what to expect on your closing date or during any other part of the process, please feel free to contact me.