Financing Period

Appraisal:

The appraiser makes sure you aren't overpaying. An appraisal is an estimate of the value of the property by a licensed professional appraiser. Once any problems during the inspection are solved, the appraiser will be ordered by the lender and paid for by you. The goal of the appraisal is to verify the value of the property for the lender and to protect you from overpaying. The contract is contingent upon whether the appraisal comes in at or above the purchase price. If the appraisal comes back short, we will be back to the negotiating table. 

Obtaining A Mortgage: 

You have 5 days from the date of contract execution to begin the mortgage loan application. During the 30-60 days before closing, the lender will be finalizing your mortgage. It is important not to make any major job changes, major purchases, or open a new credit card or line of credit, as any of these activities could alter your qualifications for a loan. Don't buy furniture until after closing. 

Home Insurance: 

Your lender will require you to obtain a homeowner's insurance policy. You will need to get the lender this information before closing. Feel free to call us for our home insurance agents to get quotes!

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