Buy
Buying, with the contract read before you sign it
A purchase agreement is mostly dates. Miss one and the deposit can go with it.
I read the agreement with you before you sign, or as soon after as you can send it. We go through the inspection, financing and title deadlines together, and I put them on one page you can stick to the fridge.
When the title commitment arrives, I read every exception and tell you which are ordinary, like a utility easement along the back lot line, and which need an answer before closing. Then I go over each closing document with you, so nothing on signing day is a surprise.
What I do for a buyer
Included in the flat fee for a purchase. Title insurance, recording and escrow fees are separate, charged by the title company at closing.
The purchase agreement
What each clause commits you to, which deadlines matter most, and what to ask the seller to change.
Inspection and financing deadlines
What you can do if the inspection finds a failing boiler or the appraisal comes in low, and how to say so in writing in time.
The title commitment
Every listed exception, read and explained, with written objections sent for any that shouldn't stay.
Condo and HOA papers
The resale certificate, budget and bylaws, read for special assessments, rental limits and pending lawsuits.
Closing documents
The deed, the settlement statement and the loan papers, gone over with you line by line before you sign.
Buyers ask
Should I talk to you before I make an offer?
If you can, yes. Ten minutes on the phone before an offer is cheaper than a week of fixing a contract afterward. But most buyers call after, and that's fine too.
Do I need my own title insurance?
Your lender will require a policy that protects the loan. An owner's policy protects you, and it's usually bought once, at closing. I'll explain what each covers so you can decide.
What if the inspection finds something big?
Most contracts let you ask for a repair, a credit or out of the deal within the inspection period. I'll help you choose and write the notice so it arrives before the deadline.
Have an accepted offer, or about to?
Send the purchase agreement and I'll mark the deadlines that can't slip.