Purchasing a home can be different for every locale. Custom, unique circumstance, etc. can all affect your closing. Be certain to speak with all of the people involved and write down their recommendations and tips. These people might include the attorney representing you, the real estate broker, the seller, the lender, the home inspector and others. Listed below are some helpful general reminders for purchasing a home which you should consider along with the advice of the others:
1. Bring with you credit information for the mortgage application. This could include the following items: the name of the bank holding your present mortgage, copies of all your credit cards, bank account numbers and balances and copy of your life insurance policies.
2. Bring your check book. An initial down payment of $1,000 or more is commonly necessary when you make an offer on a house. Ask your real estate broker or your attorney for more information regarding this matter.
3. Bring a picture of your present house and a copy of the multiple listing sheets on your home to help your real estate broker in spotting and finding what you want in your new area.
4. If your employer is relocating you and your family, get to know more about your company policy and know the details of what your company will pay for and what it won't.
5. The home-buying process usually proceeds as follows.
- You and your agent consider homes until you find the one you truly desire to buy. You should also research the internet sites that offer further information.
- Depending on local custom your attorney, or your real estate agent, will prepare a sales agreement for the home.
- Your down payment will be held in agent's or attorney's escrow account. In many areas, 10% of the purchase price (this amount includes your initial down payment) is due within ten days of you and seller both signing the contract.
- The sales contract may, depending on local custom, be presented by your real estate broker, and sometimes an agreement can be negotiated within hours.
- Depending on applicable local law, you may have 3 days after signing the contract for your attorney to review and accept or reject the contract on your behalf. Be certain to talk to your attorney before signing anything.
- You can include contingencies in the real estate contract. These are conditions, which if they are not satisfied, enable you to back out of the purchase. One contingency that is usually not accepted is selling your home before you close on the new one. However, if this is important to you, discuss it with your real estate agent in advance since some sellers may be willing to consider this.
- Banks require an attorney to complete the closing of their loan (mortgage) to you. Sometimes your real estate agent can assist you obtain a mortgage and attorney. However, it is best to obtain additional referrals so you can make an informed decision on your own.
- You may need to arrange for temporary (bridge) financing through your employer or local bank. In some cases your real estate agent may also be able to help you.
- When the closing is completed, the house is generally yours to move into. However, in some instances the seller is unable to leave in time and use occupancy agreement (similar to short term lease) may be used to permit the seller additional time. Never sign such an agreement without discussing it to your attorney.
- Before closing ฝากขายทาวน์เฮ้าส์ is completed be certain all insurance is in place to protect you.
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