The Closing

Writing the Offer

When we have an accepted offer, my job is to ensure all paperwork and activities are completed so you can close on your property.


  • Location, location, location!
  • Size of property/ Size of home
  • How many bedrooms/baths?
  • Other rooms? Family room?
  • Type of neighborhood you desire
  • Quality of school system
  • Commuting distance to your job?Urban or suburban lifestyle?

Calculating Your Budget

Once you have found the perfect home, I will write up the offer and negotiate on your behalf.


Some things to think about are:

  • Earnest Money Deposit
  • Amount of Down Payment
  • Type/Amount of Financing
  • Inspections and Disclosures
  • Personal Property
  • Taking Title as.....
  • Cash to Close
  • Date of Close
  • Date of Possesion


 

The Escrow Process

  • Opening Escrow
  • Preliminary Title Report
  • Working with Your Lender / Appraiser
  • Scheduling Inspections and Repairs
  • Home Owner Warranty
  • Coordinate Re-Inspections
  • Escrow Instructions
  • Manage Timelines and Deadlines

As your Realtor, I can show you every home available on the market that meets your specific needs.

Call me! Whenever you see or hear about a home that interests you!

Financing Your Home: Pre-Approved vs. Pre-Qualified

Your lender will check your credit to see if you're a good candidate for a loan. If your credit rating is poor, there are things you can do to improve it.

  • Make sure the report is correct. If not, call to fix it.
  • Begin to pay your bills on time.
  • Use two to four credit cards so you can keep track of them.
  • Keep a separate checking and savings account.
  • Keep the same job for a few years.

Finding and Financing a Home Made Simple

ENJOY YOUR NEW HOME!

Fixed Rate Mortgage:The interest rate stays the same for the entire term of the loan.

Adjustable Rate Mortgage: The interest rate is linked to a financial index and may fluctuate with market conditions. As such, payments may vary over the life of the loan

Your professional mortgage advisor will help you decide the best program for you!

From Acceptance to Close

When you choose Coldwell Banker Realtor, Krisha Scannapieco, you can be confident your search for a new home will be successful.

​My promise to you: I will help you every step of the way!

The Financing Process

Determine your budget and how much you can afford.

Get pre-approved for a mortgage with a reputable local lender.

Gather the documents you'll most likely need.

  • Two most recent pay stubs.
  • W-2 forms for the past two years.
  • Federal tax returns for the past two years.
  • Last two months bank statements.
  • Long-term debt information such as credit cards, auto loans, etc.

 


Upfront Costs Paid at Closing

  • Down payment
  • Mortgage Fees (Good Faith Estimate)
  • Closing Costs
  • Prorations of Interest, Taxes, and Insurance
  • Inspections and Repairs


Monthly Housing Expenses

  • Principal and Interest Payment
  • Property Taxes
  • Insurance
  • Mortgage InsuranceHOA Fees

Multiple Listings, Open Houses & Special Features

If you would like a PDF version of this guide, just send us a note by clicking here.

This is the meeting where the transaction is finalized. I will guide you through all closing procedures to make your home officially yours. On the day the sale is recorded, I will hand you the keys to your new home!

Deciding On A Mortgage

Things to consider:

The Fun Begins

  • Pre-Approved: confirmation the lender will give you a commitment to support your purchase.
  • Pre-Qualified: an estimate of what you can afford.


Being PRE-APPROVED makes you a more attractive candidate to the seller when making an offer. It is the first step in the process of buying your new home!

Getting Approved