Key Largo...Tavernier...Islamorada...Upper Keys Real Estate
Florida
Keys to do before close.
Don't Jeopardize Your Loan
Taking out a another loan, buying a car, or making large credit card charges
before you close can jeopardize your loan commitment. Lenders run a second
credit check prior to closing to check for new charges.
Time to Close
Closing at the beginning of a month, the lender will require you to "prepay" the
interest on your loan from the day of closing to the end of the month. Therefore
the cash you need to close will be more than if you close at the end of the
month. Talk with your lender about this.
Buyers Remorse
It's common for buyers to feel stressed or remorseful during and after the
purchase of a home, Educating yourself about the buying process will help
minimize "buyers remorse".
You will probably forget it soon after you move into your new home.
Notify Services & Utilities
Don't forget to contact services such as: post office, insurance, movers,
telephone, utilities, newspaper, etc. a few weeks prior to you moving out
to "change over" billing/mailing addresses.
See your local directory of phone numbers of such services.
Arrange for Mover
Get a couple of written estimates from movers on the services they provide
for the costs of your move. Check the local Yellow Pages and search to
get quotes and contacts.
Final Walk Through
Do a final walk through as close to the sign off as possible.
Check appliances for operability. Test outlets with a radio or test device. Turn on light switches. Check water faucets and toilets.
Make sure promised cleaning and repairs have been completed.
Check that all items included in the purchase of the home (review contract) are present.
For new construction, write down what needs to be completed or fixed, have builder sign. Include the date when these items will be completed.
Closing Costs
You will have to have your closing cost "monies" deposited in escrow
before you can close. Don't bring in a personal check to pay. Money should
be in the form of a certified check or a money wire transfer. Check with
your escrow officer.
Gary
McAdams P.A.