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February
24
24
Countdown to Closing: What Every Buyer Should Know
Looking at houses to buy in South Bend or St. Joseph? At Cressy & Everett Real Estate, we help you every step of the way during the closing process. We make sure everything goes well from the time you sign the contract to when you get the keys. Our real estate agents know that closing on a property can seem daunting, so we've put together this full guide to help you through this key stage.
- Understanding the Timeline
Closing takes 30-45 days, but this can change depending on a few things. During this time, your lender needs certain papers, and different checks and value assessments must be done. Working with your Cressy & Everett agent helps to make sure all deadlines are met in a timely and professional way. - Key Steps Before Closing Day
You need to check home inspection reports and finish any talks about fixes quickly. Your lender will get an appraisal to make sure the property's worth matches what you're paying. During this time, you also have to get homeowner's insurance and plan a final walkthrough of the property. - Financial Preparations
Collect all the papers your mortgage lender needs, like recent pay stubs, bank statements, and tax returns. You'll get a Closing Disclosure a few days before closing, showing your final costs. Look over this paper with your agent to make sure all the numbers match what you expect. - The Final Stretch
Set up the transfer or connection of utilities for the day you close. Get a wire transfer or certified check ready for your closing costs and down payment. Your agent will help set up the final walkthrough planned within 24 hours before closing to check if the property's condition matches what the contract says. - Closing Day Essentials
Bring a photo ID issued by the government and all the papers they asked for to the closing. Set aside about two hours to look over and sign all the needed paperwork. Your Cressy & Everett agent will be there to answer questions and make sure everything goes as expected. - After Closing
After you sign all the papers and send the money, you'll get your keys and the recorded deed. Make copies of all the closing papers for your files and keep them somewhere safe. Tell important places your new address and start your new life as a homeowner.
The skilled team at Cressy & Everett Real Estate can help you through every step of buying or selling a home, from when you start looking to when you finish the deal. Contact us now to talk to an expert agent who can help make your property dreams come true.
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