{"id":2104,"date":"2016-05-27T11:11:39","date_gmt":"2016-05-27T18:11:39","guid":{"rendered":"http:\/\/www.roryc.ca\/blog\/?p=2104"},"modified":"2016-05-26T20:40:14","modified_gmt":"2016-05-27T03:40:14","slug":"how-to-close-on-your-home-like-a-pro","status":"publish","type":"post","link":"https:\/\/www.roryc.ca\/blog\/2016\/05\/how-to-close-on-your-home-like-a-pro\/","title":{"rendered":"How to Close on Your Home Like a Pro"},"content":{"rendered":"<p style=\"text-align: justify;\">If you have an experienced real estate agent and a solid lender, you might not even need an attorney to represent you on your real estate purchase. Your agent should be in a position to draft the contract to buy and sell in accordance with your wishes, and your lender should be able to get you into the mortgage that you want. Here\u2019s what else you\u2019ll want to stay on top of.<\/p>\n<p style=\"text-align: justify;\"><strong>The Commitment for Title Insurance<\/strong><br \/>\nIn all likelihood, the seller has promised to convey you real estate that\u2019s free and clear of any and all liens, clouds or encumbrances. Your lender will be getting a copy of the title insurance commitment. If the lender is going to fund the transaction, they are going to make sure that its interests are protected with clear title. That should mean that your interests in clear title are protected too.<\/p>\n<p style=\"text-align: justify;\"><strong>Work with an Established Lender<\/strong><br \/>\nMortgage lenders come and go, but some have been established for generations. Those are the highly reputable lenders that you want to work with. According to Succeed at Eagle, an established lender will keep borrowers\u2019 options open with a variety of product solutions to meet the needs of a wide range of customers with different financial needs and circumstances.<\/p>\n<p style=\"text-align: justify;\"><strong>The Deed<\/strong><br \/>\nIn all likelihood, your contract calls for the property to be conveyed by warranty deed. Make sure that\u2019s what you\u2019re getting. If you are taking the property in joint tenancy with the right of survivorship with your spouse or significant other, confirm that the deed conveys the property in joint tenancy and not in a tenancy in common. It should be clearly stated in the deed. The deed must be signed by the sellers as their names appear on it. You\u2019ll want to confirm that the legal description of the property on the deed is identical to that on the title insurance commitment.<\/p>\n<p style=\"text-align: justify;\"><strong>The Closing Disclosure<\/strong><br \/>\nThe HUD-1 statement no longer exists. You\u2019ll be signing a closing disclosure that\u2019s required by the US Consumer Protection Financial Bureau. Check all of your numbers, and if you have any questions, ask your real estate agent or the closer what the charges are for. All charges in connection with the transaction should be detailed on this document.<\/p>\n<p style=\"text-align: justify;\">Between you, your agent, your lender and the closer, you should be able to put your deal together. Stay on top of all of the details.<\/p>\n<p><a href=\"http:\/\/realtybiznews.com\/closing-details-how-to-close-on-your-home-like-a-pro\/98733273\/\" target=\"_blank\">How to Close on Your Home Like a Pro<\/a> by Anica | Realty Biz News<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you have an experienced real estate agent and a solid lender, you might not even need an attorney to represent you on your real estate purchase. Your agent should &hellip; [<a href=\"https:\/\/www.roryc.ca\/blog\/2016\/05\/how-to-close-on-your-home-like-a-pro\/\">read more<\/a>]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-2104","post","type-post","status-publish","format-standard","hentry","category-real-estate"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Close on Your Home Like a Pro &#8226; Rory C Real Estate | Oakwyn Realty<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.roryc.ca\/blog\/2016\/05\/how-to-close-on-your-home-like-a-pro\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"How to Close on Your Home Like a Pro &#8226; Rory C Real Estate | Oakwyn Realty\" \/>\n<meta name=\"twitter:description\" content=\"If you have an experienced real estate agent and a solid lender, you might not even need an attorney to represent you on your real estate purchase. Your agent should &hellip; [read more]\" \/>\n<meta name=\"twitter:creator\" content=\"@RoryClipsham\" \/>\n<meta name=\"twitter:site\" content=\"@RoryClipsham\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rory Clipsham\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.roryc.ca\\\/blog\\\/2016\\\/05\\\/how-to-close-on-your-home-like-a-pro\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.roryc.ca\\\/blog\\\/2016\\\/05\\\/how-to-close-on-your-home-like-a-pro\\\/\"},\"author\":{\"name\":\"Rory Clipsham\",\"@id\":\"https:\\\/\\\/www.roryc.ca\\\/blog\\\/#\\\/schema\\\/person\\\/0672b9777e67473b9bd9247df49499c7\"},\"headline\":\"How to Close on Your Home Like a Pro\",\"datePublished\":\"2016-05-27T18:11:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.roryc.ca\\\/blog\\\/2016\\\/05\\\/how-to-close-on-your-home-like-a-pro\\\/\"},\"wordCount\":435,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.roryc.ca\\\/blog\\\/#\\\/schema\\\/person\\\/0672b9777e67473b9bd9247df49499c7\"},\"articleSection\":[\"Real Estate\"],\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.roryc.ca\\\/blog\\\/2016\\\/05\\\/how-to-close-on-your-home-like-a-pro\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.roryc.ca\\\/blog\\\/2016\\\/05\\\/how-to-close-on-your-home-like-a-pro\\\/\",\"url\":\"https:\\\/\\\/www.roryc.ca\\\/blog\\\/2016\\\/05\\\/how-to-close-on-your-home-like-a-pro\\\/\",\"name\":\"How to Close on Your Home Like a Pro &#8226; 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