Your Documents And You How To Ensure A Smooth And Short Closing Process

Your Documents And You How To Ensure A Smooth And Short Closing Process

The process of buying a home can be exciting, stressful, and frustrating; sometimes all at the same time. With the right information and the right people supporting you however, it can be a breeze. After making it all the way from pre-qualification to having your offer accepted, you certainly want the closing process to be done as quickly as possible. There are several things that are necessary to complete the closing process and without them, this process can go from easy to excruciating.

    1.      Most importantly, make sure all of your prior paperwork has been gathered, completed, and is in working order. You should have the
                    a.       good-faith estimate,
                    b.      contract,
                    c.       proof of title,
                    d.      flood certification,
                    e.       proof of homeowner’s insurance and mortgage insurance,
                    f.       home appraisal, and
                   g.      any inspection reports.

 2.      Next up are the documents you will sign during the official closing meeting. They include:
                     a.       the agreement between the buyer and lender regarding the terms and conditions of the mortgage
                     b.      and the agreement between buyer and seller transferring ownership of the property itself.

 3.      After that comes closing costs. Don’t worry, a good agent will make you aware of these minor costs well in advance, since not paying them upfront can delay your closing.

 4.      Finally, once the closing costs are paid and all documents have been verified and signed, there are still a few documents you should make sure you leave the encounter with.
                 a.       The Truth in Lending Act statement outlines the cost of your home loan and annual percentage rate (APR), which takes into account any modification                                  made to the rate of interest between the application for the mortgage and closing on the house.
                b.      This is not to be confused your mortgage note, which states that as the buyer you promise to repay the mortgage by the outlined terms.
                c.       Finally, if you are moving into a recently constructed home, your certificate of occupancy will be necessary for you to move in.  

 If all those things are checked off the list, that’s it! You’re done. Whew! Time to move in, put your feet up, and bask in the glow of home ownership.

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Dated: July 2nd 2014
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