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2013-06-08 07:37:44
Closing on your Cache Valley Home

   Congratulations on finally arriving at the closing stage of your Cache Valley home buying adventure! We are sure that buying your new home must be an exciting time in your life and we hope that we have been able to play at least a small role in helping you through the home buying process.

   Even though you are nearing the end of your journey, there are still many things that need to be done before all of the closing papers are signed and you are given the keys to your new Cache Valley home. This blog article will highlight some of the most important events that must take place before everything is finalized and your home buying adventure is complete.

1. Set the closing date: Due to the amount of people that will meet together to close your home, it is important that you schedule the meeting time well in advance so you don't run into any scheduling conflicts. At the closing meeting you should expect to have yourself (the home buyer), the home seller, any participating real estate agents, the closing agent, possibly a representative from the lending agency and possibly an attorney to guide you through signing the documents.

2. Meet the conditions of the loan agreement: Make sure to review the terms of your loan agreement and make sure that any issues with the home preventing you from obtaining funding are fixed prior to closing.

3. Do a title search and obtain title insurance: A title search is important because it ensures that you will be the legitimate owner of the property once it has been purchased and that nobody else will have a claim on your property in the future. This will also make sure that the property does not have any liens or any other issues that you would be responsible for once buying the property.

4. Purchase a homeowner's insurance policy: Since we have written about homeowner's insurance in other posts we will not expand upon it here but you will need to bring a copy of your insurance policy and a receipt to the closing meeting.

5. Transfer utilities: Oddly enough, this important yet simple detail is often overlooked. If you would like electricity and running water in the home that you are about to move into, this should be checked into a few weeks before closing.

6. Final walk-through: Most contracts allow for one final walk-through of the home 24 hours before the closing meeting takes place. This time should be used to make sure the home seller has vacated the home and that all appliances, furniture and other amenities that are supposed to be included with the home are still there. If you notice any unexpected changes, find out why they occurred before the closing meeting.

7. Pay closing costs: Closing costs can be quite expensive! You should probably expect your closing costs to amount to 2-3% of the amount of your home purchase. Be aware though that many times agencies will apply 'junk' fees that are commonly labeled administrative fees, application review fees, appraisal review fees, ancillary fees, email fees, processing fees and settlement fees. With a little negotiation, many of these fees can be reduced or removed entirely.

8. Read and sign all needed papers: Finally, make sure that you read ALL of the legal documents that you sign and never sign any blank pages. Yes we understand that there are a lot of them but this is one of the most important financial decisions you will make and it will affect your life for years to come.

9. Rejoice: Congratulations on purchasing your new Cache Valley Home! We hope that this has been an exciting time in your life and that the transition into your new home goes as planned. Even though your home buying process is now finished, make sure to stay in touch with us and let us know how things are going for you!


While writing this blog post we came across a site that we feel may be very helpful to you if you would like more detailed information about the closing process. This site belongs to the American Land Title Association and is centered around guiding you through the home closing process Click to visit the Homeclosing101 website. Spending just a few minutes on that site will help make the home closing process go much smoother and of course you can always feel free to contact any of us at the @Home Realty Network and we will be glad to walk through the steps with you!


Cache Valley Home realty

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