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All About the Real Estate Closing Process

Closing times are scheduled after all the necessary paperwork has been completed. The buyer has the right to thoroughly inspect the property just before closing to be sure that everything agreed is in order.

The buyers, sellers, and their attorneys then meet at a designated time and place to finalize the transfer of ownership. Then all final closing statements are received and all adjustments made. Then you sign so much paperwork youíll think your hand is going to fall off. You then receive your check, and youíre off to the bank.

If you are the buyer however, youíre just beginning your process. All buyers should know about closing costs required before hand. These fees typically run you about two or three percent of the final sale price. The seller should also know the costs of the settlement process before hand.

Settlement is defined as the formal process by which ownership of real property passes from one to another, the seller to the buyer. It is basically the end of the home buying process, the moment when title is transferred from the seller to the buyer.

The Real Estate Settlement Procedure Act (RESPA) covers most residential mortgage loans used to finance the purchase of property. This act was not designed to set the prices of settlement services, but provides information to take the guess work out of the settlement process to help you make more informed decisions.

There are a few steps involved leading you up to the closing process. First you and the buyer must reach an agreement of the price, and then sign a sales contract. The terms involved in this sales contract can be negotiated by either party.

The buyer will then probably need a mortgage loan to finance the purchase of your property. When a buyer files an application for a loan, the lender is required by RESPA to provide an estimate of the settlement costs and a copy of the RESPA information booklet. Lenders have three business days to mail these documents.

If the bank requests it, one business day before settlement the person conducting the settlement must provide an opportunity to see a uniform settlement statement that shows any figures available at the time for settlement fees the buyer is required to pay.

Some areas require no actual settlement meetings, or in cases where neither the buyer not their agent attends the closing meeting, the person conducting settlement has the obligation to deliver the statement through the mail.

During settlement the buyer is committed to the purchase of the property and might have already made a partial payment, sometimes called earnest money to the seller. Buyers can negotiate with the seller about who pays various settlement fees and other charges. There usually arenít any fixed rules as to who pays which fees.

The many factors that determine the amount the buyer will pay for settlement fees are the location of the property, the type of sales contract, arrangements made with any real estate broker, the lender selected, and the decisions in choosing the various firms that offer necessary settlement services.


About the Author: Published by Cashhomebuyers.com. Want to sell your home quick ? We buy houses.




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