If you are buying a home and are just days away from closing, you’ll want to make sure that you have everything in order. Having closing money on hand, all of your paperwork finished, your lawyer present and your real estate agent available are “musts” if you are to be handed the keys to your new home in a timely manner.
The home stretch can also be the most unnerving because you may have heard tales of woe from other buyers who had to overcome a glitch or other inconvenience before they closed. Most of those problems can be avoided, however if you plan carefully.
Let’s take a look at how you can make your closing date a smooth one:
Take off from work — Your appointment is 9 a.m. which means you’ll have plenty of time to head back to work later in the day, right? Well, yes. But, you may find that you need some extra time to sign contracts, hand over money, settle with your attorney and real estate agent before calling the utility companies to make sure that everything is in your name. Yes, double check with your home insurer too — you want to confirm that your coverage is sufficient including riders added. So, instead of heading back to work, plan to give yourself a day off — you deserve it!
Get some rest — The final few days before closing can also be taxing. Plan to get enough rest, eat right, exercise and move unnecessary tasks to a less stressful time. If you juggle too many things, you may miss something.
Visit the property — You’ll get one final walk through before you close, so schedule that event a day or two in advance. That way, if there are any loose ends to tend to, you can have such matters rectified in advance. You would hate to put off your closing if the homeowner left an attic full of junk behind!
Motivate thyself — On the day of your closing, give yourself a pat on the back and a pep talk. You’ll have several hours of work to do before the home is yours, but relish your accomplishment long enough before heading to your closing.
Arrive early — Traffic jams, family matters, financial issues and a host of other “stuff” can delay you on the day of your closing. In any case, plan to arrive at your place of closing at least 15 minutes early to account for possible problems. That way, you’ll arrive early enough with time to spare, relaxed and ready to greet the seller, lawyers and real estate agents in a calm manner.
With your home closing behind you, you’ll now be able to concentrate on other matters including caring for the lawn, painting rooms, building shelves, arranging the shed, insulating the attic, fixing a door….
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