11. You will want to make sure that your insurance agent has sent the information, such as the cost of the first years insurance, to your lender.
12. Once the appraisal is complete your lender will now send your loan package to underwriting (assuming your lender has all of the documents he/she needs from you and your Realtor).
13. During this time your Realtor will check to see that any items from your home inspection that were to be done by the seller before closing have been done.
14. Once your loan has been approved by the underwriter the title company will order the deed from an attorney.
15. You will call the utility companies in your area and arrange to have services put in your name on the date of closing.
16. Your Realtor and your lender will receive a copy of the closing statement (a HUD 1) from the title company and go over the numbers to make sure they are correct. One or the other of them or both will then let you know how much money you will need to bring to closing. The money is usually in the form of a cashier’s check.
17. You will meet your Realtor at your new home. The property should be vacant. You will walk through inside and out to ascertain that the property is in the same condition as when you last saw it and that all items that were to be left with the house are there.
18. Then you will meet your Realtor and lender at the title company, sign papers and give the closing agent (the title company representative) your cashier’s check.
19. Congratulations, you now own your new home! You will be given the keys and you can move in!
Tags: Appraisal, mortgage lender, Realtor
Avg. Sales Price: $193,580
Avg. Days on Market: 74
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