Lynne Hofmann Ritucci's Blog
The weeks and days leading up to a home closing can be stressful, particularly for a homebuyer who is already trying to do everything possible to secure his or her dream residence. Fortunately, we're here to help you simplify the process of getting to your closing date.
Now, let's take a look at three tips to ensure you can enjoy a fast, easy home closing.
1. Get Your Paperwork Ready
It often helps to get all of your homebuying paperwork ready before you pursue a residence. That way, you can minimize the last-minute stress associated with searching far and wide for pay stubs, tax returns and other documents that you'll ultimately need to get financing for a residence.
Furthermore, you should meet with local banks and credit unions as soon as you can. If you can get approved for a mortgage prior to starting a home search, you may be able to speed up the process of acquiring your ideal residence.
2. Be Prepared to Cover Your Closing Costs
Although you might have financing to cover your monthly mortgage payments, it is important to remember that you may need to pay closing costs to finalize your home purchase. As such, if you begin saving for your closing costs today, you can guarantee that you'll have the necessary funds available to purchase your dream residence on your scheduled closing date.
Also, you should be prepared to present a cashier's check or wire funds when you close on a house. If you plan ahead, you should have no paying off your closing costs when your complete your home purchase.
3. Schedule Your Final Walk-Through Before Your Closing Date
When it comes to a final walk-through on your dream house, why should you leave anything to chance? Instead, set up the final walk-through at least a few days before you're scheduled to close on a house.
If you find problems with a house during a final walk-through, you'll want to give the seller plenty of time to address these issues. Thus, if you schedule a final walk-through several days before your closing date, you can ensure that any home problems can be corrected without putting your closing date in danger.
For homebuyers who are worried about a home closing, there is no need to stress. In fact, if you work with an expert real estate agent, you can receive plenty of support throughout the homebuying journey.
Typically, a real estate agent can explain what you should expect in the time leading up to your closing date. If you have any concerns or questions before a home closing, a real estate agent is happy to address them. Plus, when your closing date arrives, a real estate agent will help you remain calm, cool and collected as you purchase a home.
Ready to streamline the process of closing on a house? Use the aforementioned tips, and you can reap the benefits of a quick, seamless home closing.
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You may keep a spare house key hidden somewhere around your home just in case you lose or forget your main set of keys. How does your hiding place measure up? Is it too obvious that anyone including thieves can find it? You can still have a spare key easily accessible to you without sacrificing the security of your home.
Never sacrifice the safety of your home for convenience. If you fail to have an alarm system set as an added layer of security, you really could be in trouble if your spare key isn’t well hidden. Burglars now have free and easy access to your home.
The Most Obvious Places To Hide A Key
Under The Mat
Everyone (especially burglars) will look under the mat for a key to get into your home. If you see it in the movies, it’s probably too obvious of a hiding place.
The Flower Pot
This is a textbook area to hide a key in that can be easily accessed by intruders. Criminals know where to look, so you need to think ahead of them.
If the rock doesn’t blend in, it’s not a good hiding spot! Many pre-fabricated hiding systems can be a bit obvious, so beware.
On Your Person
Whether you put a spare key in a wallet or your purse, if that gets stolen, there goes your spare key. The perpetrator also has access to your home. It’s generally not a good practice to keep a spare key on your person.
Good Places For A Spare Key
With A Trusted Neighbor
If the neighbor hides your key on their property, if a thief does find the key, they will assume the key goes to the neighbor’s house. This is a safe, convenient way to keep a spare key as long as the key is kept somewhere outside the home. You don’t want to face a lockout only to find out that your neighbor isn’t home.
In Your Car
Surprisingly, most break-ins happen during the daytime when you’re not home. If you keep your spare key in your car, the key won’t be there while you aren’t home.
Near The Dog
If a key is hidden near the place where the dog will be, you’ll have little to worry about. Burglars really don’t like dogs, mostly because dogs don’t like them!
Forget About Keys
Technology affords us one great option in the present day- keyless entry. If you are constantly forgetting your keys you should invest in a keyless lock system. These typically have codes that can be programmed. Just don’t forget the code!