BUYING a HOUSE .. HELP.....
kDoGG3n4
Posts: 228
OK here is the deal...our closing has been pushed back 2x now. We were told we could close by the 27th. Then it was Fri. Now we just got the "clear to close" this AM. My wife and I need to be out of our apartment at the end of this month.
a couple things.....Once you get the clear to close, how long does it take to get stuff ready to actually close?
If...out home insurance has started and we have a clear to close could we store our stuff in the house.....
a couple things.....Once you get the clear to close, how long does it take to get stuff ready to actually close?
If...out home insurance has started and we have a clear to close could we store our stuff in the house.....
The Answers are Fatal.
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My passing was pushed back due to the septic contractor and it f'ed me a bit. (including paying insurance for a month on a house I did't yet own which realy pissed me off)
If they are clear to close, should just be a matter of getting a time when all parties can get together, but the holiday weekend may screw things up.
Good luck
Admin
Social awareness does not equal political activism!
5/23/2011- An utter embarrassment... ticketing failures too many to list.
We we were all penciled in to close at 1:00 today......so I dont know why we cant close then....There is no real difference in getting a clear to close at 3:00 on Thurs....to getting it at 8:00 am on fri......We should be able to stick to our closing time...
It takes about an hour or so to close on a house... just be prepared to get hand cramps from signing your name and initials a thousand times.... no big deal...
if the title work is done and the lawyers have crunched the numbers, then you should be able to close fairly quickly.
all you need to your check book
closing costs suck
good luck
usually a lot of certified checks....a couple personal are acceptable for smaller costs...but indeed, closing costs suck. close to 10k when the smoke cleared. good ole NY.
and whoever mentioned hand cramps...sweet bejeebus! i don't think i have ever signed.initialed my name so much in one day ever before...or since. it is a scary process, getting so financially responsible.
Let's just breathe...
I am myself like you somehow
Now we get clear to close 8 am (Fri).....Why cant we still close at 1:00 or even later today? (Fri)
thats true
ask your lawyer man
he/she should be able to tell you what needs to be done.
and if you havent already set up a meeting for today
I am guessing it wil be very difficult to get the necessary parties together.
Now we got the clear to close not too many hours after that (8 am Fri)....Why we cant still get together at 1 is beyond me.
Its a totally different business day and also the day before a holiday weekend... good luck but I don't think the close is happening today. As was mentioned talk to your realtor, lawyer, and mortgage company... no one here can answer any of your questions.
Admin
Social awareness does not equal political activism!
5/23/2011- An utter embarrassment... ticketing failures too many to list.
Who is setting these appointment times? Your realtor? Or your lender? Or the person thats actually taking your signature? Sometimes other folks involved in the process overcommit for me when they should let me maintain my own schedule.
Things change for various reasons. Maybe your loan documents aren't to the escrow person/attorney yet?
As far as the timing of closing, after you sign, a lot of stuff goes on behind the scenes that you aren't even aware of as a consumer. Sometimes the courthouse has specific rules about the time they do recordings. That could have something to do with the craziness with the timing.