Work smart, not hard! If you want to get ahead of the curve by several days, then retrieving and having the following information available, in advance of us getting started, will help make the process easier and quicker.
The time saved here will be a bonus we can use to offset additional time that may be required for any issues that possibly arise from buyer initiated home inspections that may need to be addressed during the contract period before settlement. As far as documents, check your files for:
1) – Deed or Deed of Trust
2) – Title Insurance from the initial purchase of your home
3) – Mortgage balances and payoff amounts (a phone call to your lender with a simple email response from them as to the payoff amounts for that day)
4) – HOA documents if you live in a community with a homeowners association requiring recurring fees and the frequency they are paid
5) – Floor Plans (Blue prints) if they are available
6) – Property Survey or Property Plat if available
7) – Well and Septic reports if you’re connected to these systems
8) – Construction contracts, building permits if available
9) – Current Tax Bill and/or any new pending tax assessments
If you have replaced your roof, windows or siding, then provide a copy of the contract or cancelled check(s). If there has been any remediation to the house in the areas of radon, termites, lead, mold or asbestos, then provide copies of the contract for these services and/or any recurring maintenance agreements that are enforce to date.
Also, if the property has, or had any above ground or underground storage tanks, then the reports and any required inspections for any that are still in use, or a decommissioning report for any tanks that have been abandoned or removed, need to be provided.
Last for now, if you have any unpaid water bills, liens against the property, IRS judgements or deficiencies, then they need to be disclosed. They will need to be cleared up either before or at settlement so you can provide clear title for the property to the buyer. This is a start, and depending upon your property, other information may be required.
Locate everything you can.
If you can’t locate all of it, no worries. You’re part of a very large club. Most of what’s needed is available from local government agencies and private sector sources.
Now, this is where I run with the ball to locate and procure the missing pieces necessary to get us through the process. So find what you can, call 443-640-5570 from 8AM to 9PM or email me, and let’s get the ball rolling!
Your Harford County Realtor and Real Estate Agent
Gladly Serving the Following Communities
Aberdeen – Abingdon – Baldwin – Bel Air – Belcamp – Cardiff – Churchville – Darlington – Edgewood
Fallston – Forest Hill – Havre de Grace – Jarrettsville – Joppa – Joppatowne – Pylesville – Street – Whiteford
I am a full-time Realtor dedicated to character, integrity, and quick accessibility, to provide you with detailed service, resources, and the expediency necessary to produce results for you and your family. As a resident of Harford County since 1960, Baltimore, Harford and Cecil Counties are my backyard and area of specialty in servicing all of your residential real estate requirements.
Whether you are interested in buying or selling land, farms, single family homes, cluster homes or villas, condo/condominiums or townhomes/townhouses, you will get me on the other end of the line when you call from 8AM to 9PM. If you ever get my voice mail, then I am in the middle of an appointment providing attentive and uninterrupted service to a client, in which I would do the same for you. Leave me a detailed message or text and your call will be returned in one hour or less. I look forward to assisting you, your family and friends, in all of your home buying and selling endeavors, now and in the future.
“Two Bonus Credentials As Your Dedicated Harford County Realtor”
Previously, as a water treatment specialist for 26 years, I have provided valuable consultation and resources to remedy situations on property and real estate transactions involving private well water systems. In addition, holding an active license as a Maryland contractor, I have an advantage in identifying the qualities that make up a good home, so my clients find this as value added to their decision making process when buying or selling a home. With these credentials woven into the core of my real estate services, they have provided a rare and winning combination for both my clients and myself, and in a lot of cases, a more expeditious process.
Any questions about selling or buying homes will receive prompt response by using this form
© 2020 Baltimore, Harford and Cecil County Realtor and Real Estate Agent