检查及评估

这个过程

初始协议及保证金:

简化流程, it is important to keep written records of all agreements, 还盘, and addendums and to follow the timeline for each stage of the closing contract. We can assist with drafting written records and provide 双方副本.

成交代理人:

Once both parties have signed the contract and all documents, 成交代理人, 比如产权公司或律师, will hold and distribute funds associated with the transaction until the closing date. 他们还将研究 财产's history to ensure the title is clear of encumbrances and that any new encumbrances are added correctly. All contingencies agreed upon in the Purchase Agreement must be met before the escrow can be closed and the 财产 can be 正式购买.

持有标题:

There are several ways to hold title or ownership of a 财产, each with different implications for ownership transfer, collateralization, 融资, 和税务. We recommend speaking with an attorney or tax advisor to determine the 为您的财产的最佳选择. We can connect 你 with trusted attorneys and tax advisors in the area.

检查:

As part of the contingencies outlined in the Purchase Agreement, 你 will hire a licensed 财产 inspector to assess the 财产's condition within a specified time frame. You may choose multiple inspectors with expertise in specific 区域，如屋顶或管道. If 你 buy a commercial 财产, 你 may need to complete an environmental audit or soil test. If the inspections reveal issues with the 财产 that were not specified in the Purchase Agreement, 你 may request a renegotiation of the terms, typically the price. Once 你 are satisfied with the inspections and terms of the agreement, 突发事件将被移除.

评估及贷款:

与你的贷款人保持联系, and provide any required documents to secure approval for 你r loan. If the Purchase Agreement is conditional on 融资, the lender will require an appraisal by a licensed third-party appraiser to 确认属性的值. Check with 你r lender two weeks before closing to confirm that the loan will be approved on time.

协会批准:

Some properties may require approval from an association before the purchase can be completed. 如果是这样的话, request all necessary documents and rules from the seller and meet any requirements for approval within the agreed-upon 时间表. 一旦接受了, 你r closing agent will request the original copy of the approval letter to be recorded with the deed in the county records during the closing process.

财产保险:

Basic 财产 insurance plans protect against damages to 你r 财产, 比如火, 盗窃, 以及某些天气事件. While not required by all states, most mortgage lenders will require insurance coverage. 如果你打算住在 财产, 你 will need to purchase homeowners insurance, while landlord insurance is required if 你 plan to rent out the 财产 as an investment.

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