Inspections
After your offer is accepted, your agent will set up a home inspection, with an inspector of your choice. You may also choose to also perform a termite, radon, well or septic inspection. It's very common to find problems, including leaky roofs, cracked walls, insect infestations and foundation problems during a home inspection. Your real estate agent will assist you in negotiating to get you the most for your money once the inspector's report is finalized. Any item that is considered a "material defect" can be negotiated however, you will need to take your "deductale" into consideration. 

Appraisal and Lending
It is imperative that you keep in close communication with your lender, who will let you know when additional documents are needed to approve your loan application and fund your loan.  If the agreement is conditional upon financing, then the property will be appraised by a licensed appraiser to determine the value for the lending institution, via a third party.  This is done so that the lending institution can confirm their investment in your property is accurate.  Appraisers are specialists in determining the value of properties, based on a combination of square footage measurements, building costs, recent sales of comparable properties, operating income, etc.  When you are within two weeks of closing, double check with your lender to be sure the loan will go through smoothly and on time. Before your closing date, make sure you've made all necessary deposits and completed the paperwork - including mortgage, homeowner's insurance and any other paperwork required by local or state governments when home buying. Your agent will be there to help you complete that closing checklist and avoid any last-minute snags. You deserve to enjoy every moment of the home buying process.


Moving In
Closing Day
If you have come this far, then this means that it is almost time for a congratulations, but not yet.  Do not forget to tie up these loose ends:

Final Walk-Through Inspection
More of a formality than anything else, the final inspection takes place the day of the closing. You will visit the property to verify that all is in working order, everything is the same as when you last viewed the property, that there are no extra items left behind, and that everything included in your purchase is still at the property.

Home Services and Utilities 
Don't forget to notify the electric company, water and sewer company, gas company, phone company, cable company, internet company and of course notify your local post office of your new address.

Be Prepared  
I am ready to assist you should an unforeseen glitch pop up, even at this last stage. Something at the property breaks down, or some other minor detail - no need to worry. We have encountered these problems before so we know how to handle them efficiently and in a stress-free manor.

Closing 
The Title Company will furnish all parties involved with a settlement statement, which summarizes and details the financial transactions enacted in the process. You and the seller(s) will sign this statement, as well as the closing agent, certifying its accuracy. If you are obtaining financing, you will have to sign all pertinent documentation required by the lending institution.  If you are unable to attend the scheduled closing, arrangements can be made depending on the circumstances and the notice that we receive.  If you are bringing funds to the transaction, you can elect to either have the funds wired electronically into the closing agent’s escrow account, or bring a certified bank check to the closing in the amount specified on the settlement statement.  The seller should arrange to have all property keys and any other important information for you at the closing so that you may receive these items at this time.