朝着
Whether you celebrate with champagne or are relieved to have finished the process, there are a few final tasks to complete after closing on a property.
Final Walk-Through Inspection:
The final walk-through is the last opportunity to inspect the property before purchasing it. All contingencies in the Purchase Agreement should be met, and 卖方's belongings should be removed from the home. 最终检验 typically occurs the day before or the day of closing.
关闭:
一次 you are satisfied with the final inspection, it's time to close the deal. 你, 卖方, and the closing agent will sign the settlement agreement, which outlines the financial transactions involved in the process. 你也会 sign your loan documents and pay the balance of your down payment and closing costs to escrow. If you bring funds to the transaction, you can bring a certified check or have the funds electronically transferred to the escrow account. 一次 all documents have been signed and funds have been exchanged, the deed will be recorded at the county recorder's office, and you will officially become the owner of the property.
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购买小贴士
Don’t Max Out 你r Budget
Just because you’ve been approved for a max amount doesn't mean you should spend it all on the home's sale price. 你 will want to set some of that aside for closing costs, 税, and potential home repairs or remodeling.
了解这个地区
Make sure the neighborhood works for you and your family - are you close to schools, and is shopping conveniently located? Is there another sentence we can pop here for better balance with the other sections?
Don’t Skip the 首页 Inspection
Inspections are worth their weight in gold and will draw attention to problems you may not otherwise see, giving you peace of mind and letting you make more informed decisions about your purchase.
得到预先核准的
Getting pre-approved by a lender lets 卖方 know you are serious and ready to purchase a home and that you are not just window shopping. Check out our list of recommended lenders here.
Make a List of Deal Breakers
Know what you can live with and cannot live without and also those things that can be taken care of with a simple remodel. If you need a four-bedroom home, don't buy one with two that requires a massive addition which can break your 预算.
Look at the Age of Appliances and 其他 Systems
Appliances are some of the most expensive portions of the home, and you should pay particular attention to their age and whether they have required service.
其他 systems to have inspected are your HVAC, water heater, and septic, if applicable. 你 may be able to get 卖方 to add a home warranty when buying.
Check For HOA Requirements
Most neighborhoods have HOAs that govern what you can and can't do - be sure you know what the rules are for your neighborhood. Is there another sentence we can pop here for better balance with the other sections?
