Closing is an essential part of purchasing a house. This is why it is important that you have everything ready. You do not have to worry about setting the date and informing all the parties involved, as your agent will handle this for you. The parties that will be present during this stage are you, the buyer, the seller, brokers, agents and the representative of your lender. Both you and your seller can have your lawyers present.
During the closing, you will be presented with documents relating to the purchase, you will be given time to examine them and ask questions about it. The closing agent who prepared the documents will answer your questions. Once you agree with the documents, the transfer of ownership will transpire. But before that, you need to settle the closing costs. A settlement statement will be given to you ahead of time so that you can prepare the amount you need.
The essence of the GFE:
To know how much the closing cost will likely amount to, check the GFE or the Good Faith Estimate. You can ask for this from different lenders. You do not have to worry about asking it from them because they are required to give you one. What is great about the GFE is that it allows you to compare the rates and fees of the different lenders. This makes it easier to choose the right lender for you. Another benefit of the GFE is that the lender should inform you, should there be changes on the rates, fees and charges.
The GFE will give you detailed information of what you will pay during the closing. Familiarizing the fees on the GFE will give you บ้านมือสอง กรุงเทพ an idea of the fees you can negotiate. You can also take not of the charges that you can ask your seller to pay. This way, you do not have to pay everything yourself.
Who will pay for the closing costs?
The buyer is usually expected to pay the closing cost. This is why it is essential that they are informed ahead of time about the amount they will e paying. However, the buyer can also ask the seller to pay part of the closing costs. Many sellers are willing to do this because of the state of the market today. They are aware of how difficult it is to find a buyer. Paying a percentage of the closing cost is a good selling strategy that will surely attract buyers. This is why there is no reason for you to hesitate to ask your seller to help you out in paying the closing costs.
The closing is an important stage of the purchase. Make sure that you prepare everything especially the needed amount to pay for the closing cost. You will have an idea of how much to prepare by checking the Good Faith Estimate. You will also be given a settlements statement ahead of time. Although buyers normally pay the closing cost, he can ask the seller to pay a portion of it. Many sellers are willing to some of the fees included in the closing costs to attract buyers.
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