Posted by bobnone | Posted in Home Buying & Real Estate | Posted on 05-06-2010
Home Buying Inspection ~~ Home & Real Estate Matters ~~
The last step in the process of buying Tampa real estate is the home closing. After this, there are important documents that you need to keep. You don’t necessarily need original copies, but it would be better if you have them in file for future reference.
The following are the closing documents that you need to file after you have purchased your new home:
1. Purchase Contract – this is where the terms and conditions of the purchase are stated, agreed upon, and signed by both parties (the seller and the buyer).
2. Requests for Repair – monetary contracts or agreements to repair any damaged or faulty objects.
3. Riders, Amendments, or Addendums – any changes made in the terms and conditions of the purchase agreement.
4. Home Inspection Report – this is the summary of the findings of the home inspector which points out the items that need to be repaired or replaced. It must also include photos.
5. Seller Disclosures – these are written reports that include transfer disclosure statement, lead-based paint, material facts, and other guarantees, disclosures, or warranties provided by the seller.
6. Home Warranty Plans – include the contact information and policy number for calls related to repairs. Moreover, it summarizes the coverage of the plan.
7. Certificate of Pest Inspection and Completion – you need to get a copy of the report, as well as a certification from the company that you hired stating that the pest inspection has been completed.
8. Other Types of Inspections and Work-Related Files – reports from various types of inspections and works done in the home.
9. Estimated Closing Statement – is the preliminary estimate of all the credits and charges for buying the property.
10. Truth-in-Lending Statement – it is the statutes that give meaningful and precise rate of credit information. It outlines your mortgage payments and unpaid principal balance every month; it also includes the annual percentage rate.
11. Insurance Policy – includes the terms and conditions, as well as the policy number and premium notice of your home owners insurance.
12. Mortgage and Promissory Note – the mortgage shows the terms of the loan, as mandated by the lender, and the principal balance. The promissory note is often not recorded and you’ll only get the original note if it is fully paid.
13. Title Policy – it states your vesting, exceptions to coverage, and the title insurance amount. It includes the title company’s name, the policy number, and the issuance date.
Keeping these documents is necessary so you can review it anytime or if ever you have to file a claim against the seller, contractors, or your representation team. It wouldn’t do you any harm to be always ready, even after you have bought the house you wanted from the available Tampa homes for sale.
Shirley Bennette is a freelance writer who specializes in writing content about real estate, business and investment. Check out great Tampa homes for sale and Tampa real estate listings.
Home Inspections – Buyer Beware – Part 2
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