Discuss with our agent what items you’ll need to bring to the closing. While certain items will be helpful to the agent to have when putting your property up for sale, prior to closing, confirm any additional items necessary for you to bring to the closing.
KEYS —Gather all keys for the house, garage, doors, etc. Soon you will need to turn these over to the new owner.
OPERATING INSTRUCTIONS —All manuals and warranties should be kept in one place. These include instructions for the air-conditioning and heating equipment, all appliances, water heater, garage door opener, pool equipment, etc.
UTILITY BILLS —Have copies made of the previous 12 months of utility bills and a monthly average of each utility estimated for the prospective buyer.
HAZARD INSURANCE —Keep fire and extended coverage insurance on the property through the closing date or date of possession, whichever is specified in the contract. Please note that the “contents” portion of your policy may be inadequate during transit of household goods to the new home. Moving companies’ liability could be inadequate. You could make the cancellation date of your previous policy the same as the effective date of your new policy.
EXISTING MORTGAGE —Have existing loan information and payment book available.
TAXES —Copy of most recent tax statement.
HOMEOWNERS ASSOCIATION —Provide information regarding Homeowners Association and/or Restrictive Covenants.
FLOOR PLAN/SURVEY —Check real estate papers for availability of house floor plan and copy of previous survey.
LEASES —Provide the agent with a copy of any existing lease agreements currently in effect.
Listed below are many of the items to attend to prior to the closing. It is important to review these items and discuss them with your agent:
FINANCING — Arrange for financing. Obtain a final approval and review lender requirements.
TITLE INSURANCE — Make arrangements for obtaining title insurance. Review with attorney/accountant how to hold title to property regarding estate planning/tax implications.
MOVING ARRANGEMENTS — Obtain estimates for moving companies and coordinate estimated moving date.
PROPERTY INSURANCE — Make arrangements for insurance coverage regarding real property, personal property, and personal liability.
CONTINGENCIES — Follow-up to ensure that any contingencies (i.e., property repairs, termite inspection, and other requirements) have been completed.
UTILITIES/ADDRESS CHANGE — Arrange to have utilities transferred and change address with post office, family, friends, relatives, and employers.
FINAL WALK -THROUGH— Arrange for final walk-through of property to inspect for utility functions, repairs completed, personal property and garbage removal, etc. Obtain all operating instructions and warranties from Seller. Obtain Homeowners Association rules, regulations, and covenants if applicable.
AT THE CLOSING — Confirm the method of payment for paying the balance of the down payment and closing costs. Also confirm identification necessary at time of document signing. Obtain keys, garage openers, and alarm codes at time of possession.
This content last updated on Tuesday, April 20, 2021 6:00 PM from NTREIS.
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