Presented by Tim Bogan
Navigating the Home Buying Journey Buyer's Guide
Real Estate Advisor DRE# 02254876 (916)-824-9234 timboganre@gmail.com @timboganre
Tim Bogan
As a lifelong Rocklin local, Tim Bogan brings more than market knowledge—he brings a deep-rooted connection to the community he’s always called home. Having grown up in Rocklin, Tim understands the neighborhoods, schools, and culture on a personal level, giving his clients a distinct advantage in navigating the local real estate market. Tim pairs his hometown insight with a fresh, data-driven approach, offering modern marketing strategies and a motivated work ethic that stand out in today’s competitive marketplace. His passion for real estate began early—drawn to homes, floor plans, and pricing trends long before entering the business. That early interest evolved into a focused career path as Tim committed himself to learning the industry from the ground up. Over the years, he has had the privilege of learning alongside several of the region’s top-performing real estate professionals, gaining a wealth of knowledge in pricing strategy, market analysis, negotiation, and concierge-level client service—experience that now drives his results-oriented approach. Clients appreciate Tim’s responsiveness, professionalism, and follow-through—qualities that make buying or selling a home not just smoother, but more rewarding. Whether you’re a first-time buyer, selling a luxury property, or exploring investment opportunities, Tim brings heart, hustle, and hometown pride to every transaction. Backed by the global reach and prestige of Nick Sadek Sotheby’s International Realty, Tim combines local expertise with world-class resources—helping clients achieve their goals throughout Rocklin and the greater Sacramento region.
For those new to the Greater Sacramento Region, who want to explore a different region, or are lifelong residents, Nick Sadek Sotheby's International Realty's (NSSIR’s) team of local experts makes every move seamless. From the latest market data and hottest neighborhoods in every town to exceptional opportunities to buy, NSSIR’s global real estate advisors handle it all. With unique connections, resources, and strategies, and as a part of the powerful Sotheby's International Realty® brand, the network of more than 25,000 sales associates in 82 countries bring the exceptional to each home buying journey. It's expertise that reaches down the block and around the world.
A home is more than a building or an address, it's where connection, growth, and life happen.
Exceptional Service
Purchasing a home is often one of the most important financial transactions of your life. You are not only choosing a new place to live, but making a substantial investment and creating a significant asset. Our associates will provide you with the support, market knowledge and negotiation skills honed while navigating the competitive market. This handbook has been prepared to help familiarize you with some of the more common terms you are likely to encounter, as well as provide you with an overview of both the process and components of a successful transaction. Before starting the home search, you and your real estate advisor can discuss your timeline, price range, needs, preferences, and other parameters for a property that will suit you, your lifestyle, and goals. You and your real estate advisor will review options in property type, architectural style, neighborhood, amenities, and financing. We'll review the current market conditions and trends, and how they will affect your search. We'll discuss how we can work together most effectively and the steps you can take to make the process successful. Rest assured that you will receive the utmost care, attention, hard work, and professionalism, with a promise to provide unparalleled service and to follow the highest ethical standards
Our Service Pledge to You
EXPLORE HOMES IN-PERSON OR VIRTUALLY
SEARCH AND RECEIVE INSTANT LISTING NOTIFICATIONS & ALERTS
COMPLETE THE APPRAISAL
PREPARE FOR PRE-APPROVAL & PRE-QUALIFICATION + SIGN BRBC
CALL ME
PLAN FOR FINANCIAL READINESS
RESOLVE INSPECTION ISSUES
GET OFFER ACCEPTED
DISCLOSURES & INSPECTIONS
NEGOTIATE TERMS OF OFFER
MEET WITH ME FOR INITIAL BUYER CONSULTATION
START TO DREAM WITH AN ONLINE HOME RESEARCH
TIME TO CELEBRATE
The Home Buying Process
LOVE A PROPERTY, REVIEW THE CMA
TRANSFER FUNDS & EXCHANGE TITLE
MAKE AN OFFER
RECEIVE FINAL LOAN APPROVAL
WELCOME HOME
SIGNING DAY
OPEN ESCROW
How Representation Works
Building a new home can be exciting, but it is important to have an advocate and representative to protect your interests with the home builder. I can help you navigate the many phases of a new home build, where the agent for the development is focused on representing the builder. If you find yourself interested in a For Sale By Owner (FSBO) property, please let me contact the owner on your behalf. Most homeowners will work with an agent, even though their home is not listed in the MLS. Once again, this is a situation where I will need to accompany you to the showing, if you want buyer representation
I'll guide you during the inspection and home warranty process
The Buyer Representation & Broker Compensation (BRBC) Agreement
As partners, I commit to:
As a member of the Multiple Listing Service (MLS), I can enter your search criteria and set up Automatic Listing Alerts to be emailed to you within minutes of new properties entering the MLS. It's important for us to monitor and react to these alerts quickly. If you gind a property outside of your Automatic Listing Alert, like through a third- party site, social media post or yard sign, it's important to call me for information instead of contacting those outside sources directly. I will provide you with property details, and schedule showings on your behalf.
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Did you know that the only person who should legally send you the mortgage application is a licensed loan officer? There are many complexities involved in the real estate process that my support team and I will guide you through. I have a roster of resources - like mortgage lenders, title and escrow companies - and tradespeople like home repair teams, painters, flooring experts, mechanical and structural inspectors and even remodeling teams to assist you. I will introduce you directly to these resources, and incorporate them as needed.
The seller's property disclosures will provide information about the property, disclosing what the seller has knowledge of, so that you can make an informed decision prior to finalizing your purchase. We will review these disclosures together, and I'll ensure that you understand everything that has been presented to you.
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I ask that you:
7 Important Things You Need To Know
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I must accompany you to all open house, new home construction, and FSBO visits if you want representation
I have an entire vetted support team committed to you
Keep me informed if your plans change. Tell me if you want to look at a home listed with another brokerage, agent, builder or FSBO Let me know how you really feel about the homes we look at. Maintain an open dialogue, especially if you feel you need to speak with another agent. Work with me until we find the place you can call home.
It’s a formal agreement that allows me to represent you exclusively as your buyer’s agent. By signing, you agree to work with me—and only me—for your home search during the term of the agreement. It ensures I can fully advocate for you, negotiate on your behalf, and guide you through the entire buying process. It clearly explains how my brokerage is compensated—typically by the seller’s agent commission, meaning there’s usually no out-of-pocket cost to you. The agreement creates a committed partnership, so you know I’m working in your best interest every step of the way.
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Providing you with exceptional support and service to find a home that meets your needs. Dedicating my resources, time, attention and experience to finding exactly what you want. Going at your own pace and continuing the search until you either find a home or decide to press pause on your journey.
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I will help you navigate the seller's disclosure
I will make sure you have instant access to the latest listings
As part of the sales contract, you have the right to inspect the property including mechanical, electrical, plumbing and structural portions of the home I highly encourage you to meet the inspector at the end of the inspection; this gives you a chance to discuss any concerns about the property and ask any questions you may have. You will also be provided with an itemized report for your review. If repairs are needed, you can request that the seller make them, ask for concessions or a discount on the home price, or - if they are unacceptable - you may void the contract as long as you are within your contingency period. Some sellers will provide a Home Protection Plan to cover items like electrical, heating and cooling systems, plumbing, appliances, and more. If the seller does not provide this warranty, I can guide you in acquiring the coverage yourself.
The Buyer Representation & Broker Compensation Agreement (BRBC)
What is it? The Buyer Representation and Broker Compensation Agreement (BRBC)is a formal, legally binding contract that establishes an exclusive relationship between a real estate agent (or broker) and a homebuyer. By signing this agreement, the buyer agrees to work exclusively with that agent for a specified period of time during their home search and purchase process. In return, the agent is legally obligated to represent the buyer’s best interests, offering guidance, market expertise, property search assistance, contract preparation, and skilled negotiation throughout the transaction. The BRBC also clearly outlines how the agent will be compensated. In most cases, the commission is paid by the seller through the listing broker, meaning the buyer does not pay out of pocket for the agent’s services. However, the agreement may also address how compensation would work if a seller does not offer a commission. The purpose of the BRBC is to ensure a clear, transparent working relationship, provide the buyer with professional representation, and protect both parties throughout the home buying journey.
Why is it? The Buyer Representation and Broker Compensation Agreement (BRBC) came to be as a direct response to growing concerns about transparency, legal clarity, and consumer protection in real estate transactions. For many years, homebuyers commonly worked with agents without any formal agreement. This often led to confusion, as buyers assumed the agent was working for them—when legally, that agent might have been representing the seller instead. This lack of clarity created potential conflicts of interest and left buyers without guaranteed advocacy. In addition to defining representation, the BRBC also clarifies how and when the buyer’s agent is compensated. While commissions have traditionally been paid by the seller, the agreement makes those details transparent and agreed upon in writing—protecting both the buyer and the agent. This level of clarity became increasingly important as legal challenges and scrutiny around commission structures and dual agency emerged. By formalizing the relationship and compensation terms, the BRBC brings professionalism, accountability, and protection to a process that was previously informal and often misunderstood. It ensures buyers have a dedicated advocate throughout the transaction, with clear expectations and legal safeguards in place.
Prepare a Comparative Market Analysis (CMA) report for properties that you are interested in making an offer on, and explain and discuss what the CMA means in regards to the value of the home. Review seller disclosures of all known material defects, past and present, and go over the impact of those disclosures on the property. Collect and share all pertinent data on values, utility costs, schools, association fees and property tax information.
Schedule and meet with you in-person to review and learn more about properties you have viewed virtually that you would like to see in-person. Schedule showings around your schedule, and provide access to all listed properties as soon as they become available in your local MLS. Prior to showings, review MLS data and property information of the homes you will be touring. Inform you of any potential negative aspects of the property or home itself, as well as other factors that could impact value.
Set up automated email alerts from the local MLS for instant notifications of properties that fit your needs. Provide you with virtual tours, videos and Smart Tours of homes that match your search criteria. Leverage my network of fellow agents to source off-market or "coming soon" properties that have not yet been made available in the MLS. Reach out to potential sellers in your ideal search range to see if they, the homeowners, have considered listing their home.
Guiding And Leading You Every Step Of The Way
How I will put my knowledge and experience to work for you!
Financial and Mortgage Guidance
Starting the Home Search
Explain the mortgage and financing process, options and requirements. Introduce you to quality lender resources, and assist you in comparing different financing options. Review the sample sales contract so you are prepared when the time comes to make an offer.
Part Two: Home Search
New Listing Alerts, Notifications and Virtual Tours
Learn more about your specific real estate goals, wants and non-negotiable needs. Review your budget, help you understand costs and what your budget can buy. Explain how compensation is paid, review what party is responsible and what your options are when it comes to paying compensation. Go through representation and agency relationships, the REALTORS Code of Ethics, broker's business policies and obtain the required legal consent to represent.
Review the timeline for your home search, mortgage approval and closing. Explain federal and state Fair Housing laws. Show you local market trends, statistics and how these factors impact your search. Go through what to watch for in applicable property disclosures. Discuss Comparative Market Analysis (CMA) reports for properties within your desired neighborhoods,
Educate you on the importance of timely review of new listings once in the local Multiple Listing Service (MLS), and the llag time between initial listing and syndication across third-party websited. Continually seek out and research properties in the MLS that match your requirements. Explore additional avenues, such as new home build options, For Sale By Owner (FSBO) properties, if found. Preview properties prior to showing if needed.
Comparative Market Analysis and Seller Disclosure Review
Preparation and Education
Consultation
In-Person Home Search and Property Showings
Part One: Getting Ready
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The Final In-Person Walkthrough
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Review all documents with the closing agent. Ensure all statements, figures and documents are complete and accurate. Support and guide you through any final closing activities.
Transaction Management and Final Financial Milestones
Writing and Presenting the Offer, Negotiating Counter Offers and Acceptance and Contract Management
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Coordinate the final signing time and procedure, including a mobile notary if needed and legally allowed, with the closing agent. Accompany you, if you prefer, to the closing signing, and be available if needed. After signing, communicate the final deed recording, and facilitate the exchange of keys. Recommend a rekeying and one-time cleaning service vendor to ensure your home is move-in ready.
Gather all closing details, forms, additional documents and contract addenda necessary. Review the closing statement for accuracy. Advocate and negotiate on your behalf, ensuring last minute details are settled in your favor.
Inspections, Contract Deadlines and Property Appraisals
Accompany you during your final in-person walkthrough, advocating and supporting your goals. Communicate your questions and concerns to the listing broker and seller, should any issues arise. Take notes, gather manuals and documentation, preparing these items for your reference after you take ownership of the property.
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Prepare you for the final walkthrough process, and work through any final financing terms. Request final closing figures from the closing agent, or title company
Encourage you to fully review your options for a home inspector, title company, escrow company, appraiser, mortgage lender and other services that best fit your needs. Coordinate the appraisal process, title search, home warranty and any other necessary services. Review and discuss all home inspection and disclosure concerns. Support you through the contract process, guiding you through meeting each deadline.
Pre-Closing Consultation, Document Review and Settlement
Signing Day! Ownership Transfer and Delivering the Keys to Your New Home
Facilitating Final Concessions and Terms
Send and review the final closing figures from the closing agent with you. Review all necessary final closing items with you in-person, over the phone or via virtual meeting. Research any discrepancies, and communicate with all parties until a full resolution is reached, advocating for you to ensure adjustments are made to your satisfaction.
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Managing Title, Escrow and Closing
Part Four: Home Stretch
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Leverage my hypothetical expertise to assist you in the writing and submission of a successful offer. Prioritize your goals, wants and needs during the contract negotiation process. Review counter offers, and discuss how you'd like to proceed. Maintain open lines of communication throughout every step of the process.
Part Three: Saying "Yes" To The Nest
TERM Mortgages are generally available at 15-, 20-, or 30-year terms. In general, the longer the term, the lower the monthly payment. However, shorter terms mean you pay less interest over the life of the loan. FIXED VS. ADJUSTABLE INTEREST RATES A fixed rate allows you to lock in a low interest rate as long as you hold the mortgage and, in general, is a good choice if interest rates are low. An adjustable rate mortgage (ARM) usually offers a lower rate that will rise as market rates increase. ARMs usually have a limit as to how much and how frequently the interest rate can be increased. These types of mortgages are a good choice when fixed interest rates are high or if you expect your income to grow significantly in the coming years. NON-TRADITIONAL MORTGAGES Also sometimes called “exotic,” these mortgage types were common in the run-up to the housing crisis, and often featured loans with low initial payments that increase over time. BALLOON MORTGAGE This is a form of non-traditional financing where your interest rate will be very low for a short period of time—often three to seven years. Payments usually only cover interest so the principal owed is not reduced. This type of loan may be a good choice if you think you will sell your home at a large profit in a few years. GOVERNMENT-BACKED LOANS These loans are sponsored by agencies such as the Federal Housing Administration or the Department of Veterans Affairs. They offer special terms, including reduced interest rates to qualified buyers. VA Loans are open to veterans, reservists, active duty personnel, and surviving spouses and are one of the only options available for zero down payment loans. FHA loans are open to anyone, and while they do require a down payment, it can be as low as 3.5 percent. Drawbacks include a slower loan process and—for FHA loans—the need to pay mortgage insurance. MORTGAGE INS Generally regular for down payments less than 20%
Vocabulary: Loans & Lending Terms
As the housing market shifts, so do lending practices. A mortgage broker—an independent professional who acts as an intermediary between you and lending institutions—may be able to help you find a better rate than you can on your own. Also, be sure to shop around; slight variations in interest rates, loan amounts, and terms can significantly affect your monthly payment. Loan terms, rates, and products can vary significantly from one company to the next. When shopping around, these are a few things you should ask about.
Choosing a Lender
GENERAL QUESTIONS: • What are the most popular mortgages you offer? Why are they so popular? • Are your rates, terms, fees, and closing costs negotiable? • Do you offer discounts for inspections, home ownership classes, or automatic payment set-up? • Will I have to buy private mortgage insurance? If so, how much will it cost, and how long will it be required? • What escrow requirements do you have? • What kind of bill-pay options do you offer? LOAN-SPECIFIC QUESTIONS: • What would be included in my mortgage payment (homeowners insurance, property taxes, etc.)? • Which type of mortgage plan would you recommend for my situation? • Who will service this loan—your bank or another company? • How long will the rate on this loan be in a lock-in period? Will I be able to obtain a lower rate if the market rate drops during this period? • How long will the loan approval process take? • How long will it take to close the loan? • Are there any charges or penalties for prepaying this loan? • How much will I be paying total over the life of this loan?
FIND YOUR STYLE While you might love craftsman homes or the sleek look of a modern kitchen, you'll be happiest if you consider what type of home will work best for you. Single-family homes offer more privacy, freedom, and space. Condos often come with condo associations that handle a lot of the outside maintenance for you, but a condo might not have the green space you need and you'll pay monthly dues to the association. ASK THE PROS Nobody knows more about a neighborhood than the current residents! Without being intrusive, look for an opportunity to chat with your potential neighbors. What's their opinion of the block and the neighborhood? IMAGINE LIVING THERE Check out the local amenities in the neighborhood you are interested in and see if it works out with your day-today routine. Are there restaurants, stores, and other services that you enjoy close by? Is the neighborhood near a freeway so you can get on the road in a reasonable amount of time? Also, try to visit the neighborhood multiple times and at different times of the day. Lastly, walk through the streets near the home and see how it feels. You will notice more things walking than just driving by. THE RULES If the home is part of a Homeowners' Association (HOA) you will want to get a copy of the bylaws and study those carefully. Many HOAs have rules you would never even think of. For example, the HOA might regulate the type of plants you can have in your yard, type of fencing you can put up, whether or not you can post signs, and specific rules regarding pets.
Find Your New Home
THE PRICE What you offer on a property depends on a number of factors, including its condition, length of time on the market, buyer activity, and the urgency of the seller. While some buyers want to make a low offer just to see if the seller accepts, this often isn't a smart choice, because the seller may be insulted and decide not to negotiate at alI. THE MOVE-IN DATE If you can be flexible on the possession date, the seller will be more apt to choose your offer over others. OFFER DETAILS Often, the seller plans on leaving major appliances in the home; however, which items stay or go is often a matter of negotiation. Typically, you will not be present at the offer presentation. Your real estate advisor will present it to the listing agent and/or seller. The seller will then do one of the following: Accept the offer Reject the offer Counter the offer with changes By far, the most common action is the counteroffer. In these cases, the experience and negotiation skills of a Nick Sadek Sotheby's International Realty real estate advisor are powerful in representing your best interests. When a counteroffer is presented, you and your real estate advisor will work together to review each specific area of it, making sure to move forward with your goals in mind and ensure negotiation of the best possible price and terms on your behalf
Next Steps Making an Offer
Once you have found the property you want, you and your real estate advisor will write a purchase agreement. While much of the agreement is standard, there are a few areas that can be negotiated.
The Life of An Escrow
The Seller & Their Agent
Choose a real estate agent.
Determine the value of the home with insight from the agent and a comparative market analysis.
Prepare the home for sale by cleaning, decluttering, and making any necessary repairs, before staging or virtually staging the home.
Market and show the home both online with photos, video, and 3D tours and in person.
Receive purchase offers and negotiate. Schedule an appraisal.
Prepare for a home inspection with an inspection checklist.
Completes and returns opening package from title company, including information such as forwarding address, payoff lender contact information and loan numbers.
Orders any work for inspections and/ or repairs to be done as required by the purchase agreement.
Escrow officer or real estate agent contacts the seller to schedule signing appointment.
Documents are recorded and all proceeds from sale are received.
Contingency In Real Estate
A contingency is a clause in the purchase contract that describes certain conditions that must be met and agreed upon by both buyer and seller before the contract is binding.
The Buyer & Their Agent
Gets pre-approval and provides it to real estate agent.
Make an offer to purchase. Upon acceptance, opens escrow and deposits earnest money.
Finalizes loan application with lender. Receives a Loan Estimate from lender.
Completes and returns opening package from title company.
Schedules inspections and evaluates findings. Reviews title commitment/preliminary report.
Provides all requested paperwork to lender (bank statements, tax returns, etc). All invoices and final approvals should be to the lender no later than 10 days prior to loan consummation.
Lender ( or escrow officer) prepares CD and delivers to buyer at least 3 days prior to loan consummation.
Escrow officer or real estate agent contacts the buyer to schedule signing appointment.
Buyer consummates loan, executes settlement documents, and deposits funds via wire transfer.
Documents are recorded and the keys are delivered!
There are contingencies in almost every real estate contract to protect the buyer and the seller. There are several different types of real estate contract contingencies. The first of these is a mortgage contingency. This means there is a stipulation in the contract that says a buyer will obtain a mortgage loan for a specific amount within a certain time period. Once the mortgage loan is obtained, that contingency is removed from the contract. If the buyer is not able to obtain the mortgage, it is possible to withdraw the contract without being penalized. This is a contingency that protects the buyer. Another contingency that is put into place to protect the buyer is a home inspection contingency. If there is a home inspection ordered and the house does not pass due to factors like termite damage or faulty wiring, the buyer has the right to exit the contract and receive any deposits or earnest money back. If the issues can be corrected, the buyer can request these repairs. If the seller does not agree, the contingency cannot be removed and the contract is voided. Another popular contingency to put into the contract is one that allows for the sale of the buyer's current home. This will allow the buyer a specified amount of time to sell their current home before buying a new one. The contract will be voided with no penalties assessed if the current home does not sell. This protects the buyer from a situation where they would have to pay two mortgage loans at once. A contingency of this type also protects the seller. If the seller receives a second offer on the home that is more attractive than the first, they will be able to accept the new contract without facing a penalty. It is important to remember that contingencies should be reasonable requests. You do not want to lose a seller or a buyer because of unreasonable contingencies. Work closely with your agent and be fair.
PRE-INSPECTION A pre-inspection is something that you would do if an offer review deadline is set by the seller. The reason you do a pre-inspection is two-fold: Protects you from buying a home that may need repairs. Provides you with a competitive edge from other potential buyers. Pre-inspection ensures that your offer stands out because you are not submitting an offer with an inspection contingency. If you find numerous issues during your preinspection, your real estate advisor will help you determine how to proceed. You may potentially negotiate the offer price based on the pre-inspection if you're still interested in purchasing the home. If too many issues are found, the best course of action may be to simply walk away. In a hot market favoring sellers, an offer may be more enticing if an inspection is waived. You and your advisor can discuss the pros and cons to this approach and decide if it's right for you
Due Diligence
Typically, a home goes under contract "pending inspection." You and your real estate advisor will hire an inspector to determine whether any repairs or monetary adjustments to the contract will be necessary.
The Escrow Officer
Upon receipt of order and earnest money deposit, orders title examinations.
Requests necessary information from buyer and seller via opening packages.
Reviews title commitment/ preliminary report.
Upon receipt of opening packages, orders demands for payoffs. Contacts buyer or seller when additional information is required for the title commitment/preliminary report
All demands, invoices, and fees must be collected and sent to lender at least 10 days prior to loan consummation.
Coordinates with lender on the preparation of the Closing Disclosure Form.
Reviews all documents, demands, instructions, and prepares settlement statements and any other required documents.
Schedules signing appointment and informs buyer of funds due at settlement.
Once loan is consummated, sends funding package to lender for review.
Prepares recording instructions and submits documents for recording.
Documents are recorded and funds are disbursed. Issues final settlement statement.
The Lender
Accepts buyer's application and begins the qualification process. Provides buyer with Loan Estimate.
Orders and reviews title commitment / preliminary report, property appraisal, credit report, employment, and funds verification.
Collects information such property appraisal, credit report, employment, and funds verification. Reviews and requests additional information for final loan approval.
Underwriting reviews loan package for approval.
Coordinates with escrow officer on the preparation of the Closing Disclosure, which is delivered to the buyer at least 3 days prior to consummation.
Delivers loan documents to escrow.
Upon review of signed loan documents, authorizes loan funding
What to Avoid: During the Closing Process
How to : Pack Like a Pro
PLAN AHEAD Develop a master to-do list so you won’t forget something critical heading into moving day. This will also help you create an estimate of moving timeand costs. DISCARD ITEMS YOU NO LONGER WANT OR NEED Ask yourself how frequently you use an item and how you’d feel if you no longer had it. Sort unwanted items into “garage sale,” “donate,” and “recycle” piles. PACK SIMILAR ITEMS TOGETHER It will make your life easier when it’s time to unpack. DECIDE WHAT YOU WANT TO MOVE ON YOUR OWN Precious items such as family photos, valuable breakables, or must-haves during the move should probably stay with you. Pack a moving day bag with a small first-aid kit, snacks, and other items you may need before unpacking your “Open First” box KNOW WHAT YOUR MOVERS WILL TAKE. Many movers won’t take plants or liquids. Check with them about other items so you can plan to pack them yourself PUT HEAVY ITEMS IN SMALL BOXES Try to keep the weight of each box under 50 pounds. DON’T OVERPACK BOXES. It increases the likelihood that items inside the box will break WRAP FRAGILE ITEMS SEPARATELY. Pad bottoms and sides of boxes and, if necessary, purchase bubble-wrap or other packing materials from moving stores. Secure plants in boxes with air holes. LABEL EVERY BOX ON ALL SIDES. You never know how they’ll be stacked. Also, use color-coded labels to indicate which room each box should go in, coordinating with a color-coded floor plan for the movers. KEEP MOVING DOCUMENTS TOGETHER IN A FILE,EItHER IN YOUR MOVING DAY BAG OR ONLINE. Include vital contact information, the driver’s name, the van’s license plate, and the company’s number PRINT OUT A MAP AND DIRECTIONS FOR MOVERS AND HELPERS Make several copies, and highlight the route. Include your cell phone number on the map. INSPECT EACH BOX AND PIECE OF FURNITURE AS SOON AS IT ARRIVES. Ahead of time, ensure your moving company has a relatively painless process for reporting damages. . .
Avoid changing jobs A job change may result in your loan being denied, particularly if you are taking a lower-paying position or moving into a different field. Don’t think you’re safe because you’ve received approval earlier in the process, as the lender may call your employer to re-verify your employment just prior to funding the loan. Avoid switching banks or moving your money to another institution After the lender has verified your funds at one or more institutions, the money should remain there until needed for the purchase. Avoid paying off existing accounts unless your lender requests it If your Loan Officer advises you to pay off certain bills in order to qualify for the loan, follow that advice. Otherwise, leave your accounts as they are until your escrow closes. Avoid making any large purchases A major purchase that requires a withdrawal from your verified funds or increases your debt can result in your not qualifying for the loan. A lender may check your credit or re-verify funds at the last minute, so avoid purchases that could impact your loan approval.
Order new return address labels and or stamps Change the locks & door codes Register new warranties Change your address with USPS online Paint before you unpack Set up Internet and Cable Update your address at work Change your address with the DMV Change billing address for online bill pay Update friends and family of new address Host housewarming party!
Checklist Post Moving
Basement, attic, and every room, closet, and crawl space have been checked. Requested repairs have been made. Copies of paid bills and warranties are in hand. No major, unexpected changes have been made to the property since last viewed. All items included in the sale price—draperies, lighting fixtures, etc.—are still on site. Screens and storm windows are in place or stored onsite. All appliances are operating (dishwasher, washer/dryer, oven, etc.). Intercom, doorbell, and alarm are operational. Hot water heater is working. Heating and air conditioning systems are working. No plants or shrubs have been removed from the yard. Garage door opener and other remotes are available. Instruction books and warranties on appliances and fixtures are available. All debris and personal items of the sellers have been removed
Checklist: Your Final Walk-Through
Now that you're getting settled into your new place, take some time to check these tasks off your list so that you can truly start life in your new home!
Closing time is hectic, but you should always make time for a final walk-through to make sure that your home is in the same condition you expected it would be. Here’s a detailed list of what to check for on your final walk-through.
The end of your home-buying chapter, the next chapter of your life starts.
Closing The Deal
On the closing day itself, legal property ownership is transferred to your name. The mortgage amount is provided to the title company or your attorney by your lender. A title company makes sure that the title to a piece of real estate is legitimate and then issues title insurance for that property. Title insurance protects the lender and/or owner against lawsuits or claims against the property that result from disputes over the title. You will receive documentation with costs payable, including balance owing, legal fees, property transfer taxes, and other completion costs. The title company will pay the seller, complete any necessary documents, and register your home in your name. On your closing day, your lender provides the mortgage money to the title company and you provide the down payment (minus your deposit) to your title company or attorney, as well as any remaining closing costs. Title companies also often maintain escrow accounts— these contain the funds needed to close on the home-to ensure that this money is used only for settlement and closing costs, and may conduct the formal closing on the home. At the closing, a settlement agent from the title company will bring all the necessary documentation, explain it to the parties, collect closing costs, and distribute monies. Finally, the title company will ensure that the new titles, deeds, and other documents are filed with the appropriate entities. Most closings will take place at the title company, an attorney's office, or one of our office locations, where all paperwork is signed and keys are exchanged. Remote closings or fully contact-less closings can also be arranged, with the assistance of online documentation, e-signature programs, and remote notaries.
We...
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