BUYERS & SELLERS Buyers:
Sellers:
  • Thinking Of Selling?

    United Country Difference . . .

    Why sell your property with United Country Real Estate? Simple. No one can locate buyers better, bringing to bear more than 90 years of marketing experience, to get you the best price in the shortest time possible.

    To sell property in the country, you need more than a “For Sale” sign and a local newspaper ad. Buyers have a harder time finding your property. That’s why you need the benefit of United Country’s professionalism and exclusive, proven marketing tools. We expose your property locally, regionally, nationally (and even internationally) from the first day.

     

    — United Country’s network of 3,500 targeted, owned websites with 3 million+ visitors from over 150 countries per month.

    — Top-ranked websites that achieve page one results of many popular searches.

    — Advertising on over 200 selective 3rd party top real estate websites.

    — Mobile App marketing brings your listing to the iPhone and all other mobile platforms.

    — Advertising in our exclusive national real estate catalogs (approximately 1 million readers).

    — Advertising of local listings in over 65 national magazines and over 100 newspapers.

    — Automated marketing to potential buyers (We have the largest opt-in buyer database in the industry with nearly 600,000 leads.)

    — Advanced Social Media Marketing for your property.

    — Professional “virtual fliers” automatically produced and emailed to prospective buyers.

    — “Just Listed” and “Just Sold” postcard and fliers to promote your property.

    Leverage the largest integrated traditional and auction real estate network.

     

    United Country specializes and is organized to serve its clients in over 20 core market segments or property types, including: small city and town residential and commercial, ranches, farms, timberland, land, resort, vacation, second home, mountain, coastal, vineyard, recreational, horse, hunting and fishing, waterfront, ski, golf and other “lifestyle” properties.

  • Getting Your Property Ready To Sell

    Nothing Is More Important Than The First Impression . . .

    When you put your property on the market, you want to achieve the best sales price you can get, and do so within the time-frame that meets your needs. Nothing is more important to most buyers than the first impressions they receive.

     

    PAINTING —At the top of the list for creating good impressions. Inspect interior walls as well as the exterior including trim, gutters, downspouts, mailbox, etc.

     

    YARD —In addition to proper cutting and edging of the lawn, trim landscaping and weed flower beds. Also check for dead branches in trees and shrubbery debris. Store all outdoor lawn equipment and toys.

     

    SPRINKLER SYSTEM —Check for defective heads and for proper water coverage over entire lawn.

     

    FENCE —Repair where necessary and paint or stain if needed to give your yard that well-maintained appearance.

     

    GARAGE —Check garage doors and opener to see if they are in good working order. Inspect doors for painting or staining. Remove and reorganize garage items.

     

    DRIVEWAY —Check for grease and oil spots. When showing the property, it’s best not to have vehicles parked in the driveway.

     

    PATIO/DECK —Clean patio and arrange outdoor furniture.

     

    POOL —Have pool sparking clean. Store equipment and chemicals out of the way.

     

    ROOF —Check for loose shingles or broken tiles. Make sure eaves are cleared of leaves. If mildew has occurred, consider professional cleaning.

     

    FRONT ENTRANCE —Front door should be clean and all trim painted or stained. Check doorbell and outside light to see if they are operating properly.

     

    AIR -CONDITIONING—Certainly, the air-conditioning system must be functioning at top performance, but also check for proper draining, install a new filter, and clean exterior unit.

     

    WALLS —When checking for cleaning and possible painting of interior walls, look closely at wallpaper for repair or replacement, if needed.

     

    DOORS —All interior and exterior doors should be cleaned, hardware tightened and oiled for smooth opening and closing.

     

    CARPETING AND TILE —Steam cleaning is the best answer for most carpets. While it’s a hassle to rearrange furniture and be disrupted, this is one item that can’t wait until after the sale. Also, repair or replace damaged tile.

     

    WINDOWS —Repair or replace all broken windows or screens. All windows must be cleaned to show the home at its best. Check blinds and draperies for cleanliness.

     

    ELECTRICAL —Repair all switches and outlets that are not working. Good lighting through adequate wattage in garage, hallways, and closets will brighten up your home.

     

    PLUMBING —Leaking faucets always raise questions about plumbing. Clean stains from stainless steel sinks and check enamel for repair.

     

    APPLIANCES —All appliances should be in good working order and CLEAN. In particular, oven and stove top, refrigerator, dishwasher and microwave.

     

    KITCHEN —A bright, cheerful kitchen is a must. Clean all surfaces, check for loose knobs or sticky drawers, clean exhaust hood and organize drawers and cabinets.

     

    BATHROOMS —Clean mirrors, shower doors, curtains, tub caulking, and flooring. Just when you decide to clean the bathroom “later” is when the prospective buyer rings your doorbell.

  • Important Information About Your Home

    Get Prepared For The Questions The Buyer Will Ask . . .

    It is important to gather information pertinent to your property. It will take time to coordinate this information from old bills, tax statements, work receipts, service contracts, and warranty documents, but it pays off when you sell your home. Prospective buyers ask questions about your home and property. The following questions can be expected and you should have the file of information to answer them:

     

    — What do you pay in property taxes and when are they due?

    — How much does it cost to heat and cool your home?

    — What do you pay for gas and electricity?

    — What do you pay for water and who supplies it?

    — How old are various structural components and systems, including the roof, water heater, furnace, and plumbing system?

    — How old are any appliances that will stay with the house?

    — Do you have any guarantees or warranties on appliances or components of the home, such as siding or roofing, and are these warranties transferable?

    — Are there any fees for municipal or private services, such as garbage pickup, and what are those services?

    — Is your house located on a flood plain? If so, what kind of insurance is required?

    — Have you had water problems in the basement or through the roof? (If so, you must show the buyer that you have rectified the problem.) Do you have warranties or guarantees on the work?

    — Where are the local schools, and what is their quality?

    — What is the availability and cost of mass transit?

    — Where are the places of worship in the area?

    — It is helpful if the seller provides a copy of their original title or abstract to the listing agent and title provider. This assists in identifying ownership in the property and can expedite a title search. It also assists the listing agent for submitting information to the Multiple Listing Service (MLS) so that buyers know how to submit their contract offers.

    — Is a copy of the survey and floor plan available?

    — Have available a copy of the Condominium Documents (if applicable).

    — Are there any special assessments? If so, what are the special assessments and when are they due?

    — Is the current property tax for “land” only, due to the house being newly constructed? What are estimated new tax amounts, including the house?

    — Have you filed for a homestead exemption?

    — Are there any Homeowners Association (HOA) dues? Who is the HOA management contact? What are the fees for and when are they due? Are the fees transferable?

    — Does the development have an “additional” HOA fee for boat storage, golf/tennis membership or pool facilities? What are the fees and when are they due? Are the fees transferable?

    — If the property is being sold as an investment property, provide a copy of the tenant’s lease (if applicable).

    — What services are available for communications? Cable, wireless, satellite? Do you know who the service providers are? Is the house wired for cable access to the internet?

    — Do you have a well or septic system? Can you provide information about the inspector and the last inspection completed?

    — Are there any parking permissions or restrictions?

    — Are there any storage restrictions? Examples: Boat or RV must be stored in garage. No sheds over a certain size.

    — Are pets allowed? Are children allowed?

    — Is this home in a “retirement” area, where a minimum age is required?

    — If your property is in a rural area, is an aerial photo available?

    — Have you had any environmental studies done? If so, please provide copies of reports.

  • Pricing Your Property – Emotion vs Logic

    A Statistical Approach To Pricing Your Property . . .

    Want to sell your property quickly? Certainly! When you decide to sell it, you want it done as soon and as painlessly as possible, but at the same time, you want to receive as much cash equity from the sale of your property as you think it’s worth. You bought your property at its base price. You added some things immediately to provide the comforts that you were looking for; items such as blinds and custom drapes, paddle fans, a microwave and a garage door opener. These all add to the value. How about that swimming pool the family convinced you to put in? How much was it: $15,000…or was it $16,000 when you added that extra decking? Did that wallpaper in the bedrooms and kitchen cost $1,300, or did that include the blinds? Other improvements include upgraded landscaping, more trees, shrubbery and flowers, a sprinkler system, fence and a unique mailbox up front. Now that you’ve itemized all of your improvements, you’re thinking, “How much is a new home like mine selling for now on the current market? Well, I’ll take what I paid and add in all of the above improvements, include appreciation for each year and that’s what I’ll ask for my price.”

     

    Unfortunately, pricing your property in this manner may give it an inflated value. Your property that you’re so proud of and which is worth so much to you, may just sit with a “For Sale” sign for a long period of time, with a lot of lookers but no buyers. Then, by the time seven or eight months go by, you realize that your price is too high and drop it accordingly. But now the buyers that may have been interested have bought elsewhere, the agents stop bringing prospects, it has been on the market so long it has lost its appeal, there must be something wrong with it for it not to have sold by now. You then get to the point where you’re going to have to price it for less than it should sell for just to move it and get on with your life at your new location.

     

    This can all be eliminated by logical thinking as opposed to emotional thinking. You’ve put blood, sweat and tears into your property. You’ve treated it with TLC (tender loving care) and it’s been great for you and your family. Logical thoughts include: 1) The benefits and pleasures your family has already derived from these improvements for which you will not recover full value. 2) Check out the properties presently on the market in your area that you’re going to compete with for sale, and their price. 3) Check the price of properties comparable to yours that sold within the last six months and determine how long they were on the market. 4) Remember, we may not have been enjoying the appreciation rate you expected over the entire period that you’ve owned the property.

     

    This logical, statistical approach is used by appraisers and agents when arriving at a fair market value price for your home. Your agent should prepare the Competitive Market Analysis (CMA) using this logical approach. In doing so, you’ll receive a professional estimate of value to help price your property in a sale range that will best meet your overall objectives.

  • Showing Your Property At Its Best

    Having Pride Of Ownership Will Sell Your Property Quicker . . .

    The most saleable properties are those that show pride of ownership, with attention given to every detail. If you are looking to sell your home in the near future, we hope this checklist will be of assistance. Even if you’re not planning to sell, it may be helpful as a checklist for spring cleaning or file away under “house papers” for future reference.

     

    TEMPERATURE —Keep your home at a comfortable temperature. Air-conditioning is a must on warm days.

     

    FRESH AIR —Keep air smelling fresh. Air freshener, candles or fresh flowers are nice, but don’t over - do it.

     

    LIGHT —Have sufficient lighting. If it’s daytime, have draperies drawn open. In the evening, turn on the lights prior to showing. Light makes rooms look larger and more appealing.

     

    MUSIC —Soft music can be nice, but loud radios, stereos, or television should be off during the buyers’ inspection.

     

    VALUABLES —Having valuable possessions displayed in your home is only inviting trouble. They’re best placed out of sign, or out of the home.

     

    CLOSETS —Clothes hung properly; and if used for a storage area, clean out. Of most buyers’ requirements, closet space is high on their list.

     

    LAUNDRY —Keep fresh towels and washcloths displayed. Laundry should be done often to keep laundry area clean and fresh.

     

    EXCLUSIONS —Remove or replace items you do not intend to include in the sale. Sure enough, the one item that you wanted to take with you (such as a certain lighting fixture) is just the item the buyers want to include – causing a delay in the negotiation process.

     

    TRASH REMOVAL —All trash and garbage should be removed from the home and garage. Open containers are unsightly as well as giving off odors.

     

    PETS —Try to keep pets outside during a home inspection.

     

    AGENTS —Turn your house over to the agent for showings. Trust their professional abilities. All showings should be scheduled and documented through the listing agent/office.

     

    PEOPLE —While all prospective buyers must be accompanied through the home, family and guests should leave when possible to allow the agent to show the home without the buyer feeling hurried. Should you be present during the showing, remain in the background. The agent should know your property and the needs of the prospective buyer and be able to answer any questions.

     

    DON’T APOLOGIZE —Remember not to apologize for the appearance of your home. If you’ve done the best you can, buyers understand that they may be viewing the home at a time that may be inconvenient to you.

     

    PICK UP EVERYWHERE —Keep clutter off counter tops, disregard old newspapers and magazines, remove excess furniture.

  • Prepare For The Closing

    Additional Items May Be Needed At The Closing . . .

    Listed below are many of the items to attend to prior to the closing. It is important to review these items and discuss them with your agent:

     

    FINANCING —Arrange for financing. Obtain a final approval and review lender requirements.

     

    TITLE INSURANCE —Make arrangements for obtaining title insurance. Review with attorney/accountant how to hold title to property regarding estate planning/tax implications.

     

    MOVING ARRANGEMENTS —Obtain estimates for moving companies and coordinate estimated moving date.

     

    PROPERTY INSURANCE —Make arrangements for insurance coverage regarding real property, personal property, and personal liability.

     

    CONTINGENCIES —Follow-up to ensure that any contingencies (i.e., property repairs, termite inspection, and other requirements) have been completed.

     

    UTILITIES/ADDRESS CHANGE —Arrange to have utilities transferred and change address with post office, family, friends, relatives, and employers.

     

    FINAL WALK -THROUGH—Arrange for final walk-through of property to inspect for utility functions, repairs completed, personal property and garbage removal, etc. Obtain all operating instructions and warranties from Seller. Obtain Homeowners Association rules, regulations, and covenants if applicable.

     

    AT THE CLOSING —Confirm the method of payment for paying the balance of the down payment and closing costs. Also confirm identification necessary at time of document signing. Obtain keys, garage openers, and alarm codes at time of possession.

  • Tips For A Smooth Move

    Planning Is The Key . . .

    Even if your move is within the same general area, there are several actions that can expedite the procedure.

     

    — If you intend to use a moving company, make arrangements as soon as possible.

    — A month before the move, fill out change of address forms for the post office, the IRS and any others that need to be notified, including families and friends.

    — Don’t wait to tell your children about the move. The sooner they know the better. Children need time to adjust to the idea. Provide plenty of affirmation that the move is for the best.

    — Notify doctors, dentists, veterinarian, and insurance agents. Obtain copies of important records. Fill prescriptions needed.

    — Contact utilities, phone, and cable services regarding discontinuing services. Arrange for new services at new location.

    — Make necessary financial arrangements, including transfer of accounts (checking, savings, other).

    — Take inventory of your belongings before they’re packed in the event you need to file an insurance claim later. If possible, take pictures or videotape your belongings.

    — Secure valuables, jewelry, safe deposit box items, and important documents to take with you.

    — Empty fluids from lawn equipment, hoses, etc.

    — Dispose of anything flammable, including gas cans, paint cans, chemicals, etc.

    — If necessary, make special arrangements for transporting pets. You can take cats and dogs in your car, but remember to put down newspapers or sheets to keep your car clean. Animals can get carsick and may require stops along the way, so take along a leash, food and water. Other small pets, such as birds and hamsters, can easily be taken in the car. Cover their cages to help keep them calm. It can be risky to move fish. Better get recommendations from your local pet store or other expert on how to move your type of fish.

    — Plants also need special care. You should prune your plants a couple of weeks before the move to facilitate packing. Place the plants in cardboard containers with packing material to hold them in place. Use paper to cushion the leaves and place a wet paper on top to keep them moist. Mark the boxes and punch air holes in the top before loading into your car. Unpack the plants as soon as possible when you arrive. Remove plants through the bottom of the box to avoid breaking the steams.

    — Pack for your personal move; clothing, linens, personal affects and items needed upon move-in.

    — Empty refrigerator, clean and place baking soda inside to keep it smelling fresh.

  • Are You Ready to Buy?

    Don't Have An Inside Track? It's Time To Consult A Professional . . .

    Are you about to take one of the most important steps of a lifetime, the selection and purchase of some kind of real estate? If you are like thousands of others, you are seeking something in the country or in a small town. You see, more and more Americans are moving to small towns or in the country to establish a lifestyle away from the big city or suburbs.

    If you have decided to make this move, finding what you want might appear impossible. But this decision doesn’t have to be overwhelming, so if you don’t have an inside track about what’s for sale and where, it is time to consult a professional. What’s the first thing to do? Find free real estate publications that have properties in the areas where you want to buy. Or, use the internet to select the area and type of properties you are interested in. This will also guide you in finding a licensed real estate professional that can assist you in finding a property quickly and efficiently.

    Remember, many small town or country real estate companies serve a large surrounding area. Once you have selected a realty professional, discuss with him/her the type of property that is suitable for your needs. To do this, you must ask yourself some questions:

     

    — Is my family still growing?

    — What are their needs?

    — Are schools a factor?

    — Do I want minimum grounds upkeep? Maybe just a garden?

    — Do I plan to own horses or several animals?

    — Do I need to be within commuting distance of a certain town for job possibilities?

    — Am I a fixer-upper, or a total zilch with a hammer?

    — Will I be using it as a second home?

    — Will I keep the property to use for retirement or as investment?

    — What is most important about the lifestyle I want to accomplish?

    — Next, provide information to the salesperson about what you can afford. This way, he/she has the tools to assist you, including how much a bank may lend you, and on what basis it is calculated. Once a price range is established, the salesperson will have the information to help you find the right property within your guidelines.

    — As you inspect properties, your salesperson will get a real sense of what you like or dislike.

    — Sometimes it takes a few trips to various properties for you to establish the parameters that are appropriate for you and your family. In a sense, you are establishing a relationship with your realty expert that will help both of you in this exciting time.

    — Once you are ready to make an offer, your realty professional will act as an intermediary between you and the seller. He/she will help negotiate price, down payment, contingencies, closing dates and anything else needed to bring the sale to a satisfactory conclusion. Select an agent that will be your guide, your diplomat, and your trusted advisor, as you pursue your property ownership objectives.

  • How To Select An Agent

    All Agents Have Different Personalities & Philosophies . . .

    As with other professionals, when you select a real estate agent, demand high standards. Make sure that trust and integrity are not just a spoken claim but granted by deserved reputation in the community that the agent serves. Determine if the agent has established a strong record of consistently fulfilling promises and providing customer satisfaction. Consider the agent’s educational training. Is it appropriate? Does it enhance the skills? Request a summary of the agent’s experience and review the track record. Agents all have different personalities and philosophies. Try to select one with a philosophy and personality that you find agreeable and who you can communicate with easily.

     

    Selecting Your Agent

    You should have confidence that the person you select will be a trusted advisor. It is imperative that you work with an agent who you feel has your best interests in mind.

     

    Excellent communication skills are a must. Select an agent that you feel will have the ability to work cooperatively with sellers and other agents during the entire process of purchasing your property.

     

    A good agent can be the foundation of your real estate team. An agent can help you find a home that meets your needs, negotiate for that home on your behalf, supervise property inspections, and coordinate the closing. Agents often have useful leads for mortgage loans. A good agent’s negotiating skills and knowledge of property values can save you thousands of dollars.

  • Real Estate Terms You Should Know

    Get Familiar With Commonly Used Terms In The Real Estate Industry . . .

    If you are involved in buying or selling real estate. Or, just for your general knowledge. There are numerous terms, commonly used jargon, in the real estate industry that make up a peculiar language all its own, which would be beneficial for you to learn.

     

    This jargon isn’t difficult to master, but there is real danger of hearing and using words you don’t fully understand.

     

    Following are some basic terms that are often misunderstood:

     

    MLS (Multiple Listing Service) —An organization that collects, compiles, and distributes information about properties listed for sale by its members, who are real estate brokers. Membership isn’t open to the general public, although selected MLS data may be sold to real estate listing websites. MLS’s can be local or regional. There is no “one” MLS covering the entire nation.

     

    PITI—Principle, interest, taxes and insurance (PITI) are the four components of a monthly mortgage payment. Principal refers to the part of the monthly payment that reduces the remaining balance of the mortgage. Interest is the fee charged for borrowing the money. Taxes and insurance refer to the amounts that are paid into an escrow account each month for property taxes and mortgage and hazard insurance.

     

    CMA—Comparative Market Analysis. A CMA is a report that shows prices of properties that are comparable to a subject property and that were recently sold, are currently on the market or were on the market, but not sold within the listing period.

     

    Closing Costs —The entire package of miscellaneous expenses paid by the buyer and seller when the transaction closes. These costs include the brokerage commission, mortgage-related fees, escrow or attorney’s charges, recording fees, title insurance, etc. Closing costs generally are paid through escrow.

     

    Contingency —provision of an agreement that keeps the agreement from being fully legally binding until a certain condition is met. One common example is a buyer’s contractual right to obtain a professional home inspection before purchasing the home.

     

    Title Insurance—An insurance policy that protects a lender’s or owner’s interest in real property from assorted types of unexpected or fraudulent claims of ownership. It’s customary for the buyer to pay for the lender’s title insurance policy.

  • Helping The Kids To Buy A House

    An Equity Sharing Arrangement Might Be The Answer . . .

    Parents helping their children invest in their first home is certainly not a new idea. We see a variety of choices being made in the marketplace. Some elect to co-sign on the mortgage with the children. It doesn’t cost Mom and Dad any money, but it may help the children qualify for a loan. Others either give or lend money for the down payment. A few even decide to put enough money to “buy down” the mortgage interest rate, allowing for the rate to be lower in the first few years, making it easier to qualify for the loan by lowering the monthly payment.

     

    The concept of equity sharing, although used by builders and real estate investors, may also be one of the best methods for helping the kids buy a house. Shared equity allows the children to feel less indebted than with an outright loan, and at the same time gives parents an added tax advantage.

     

    An equity sharing arrangement might work like this: The young homebuyers purchase a home jointly with their parents, they split the down payment and ownership costs including monthly payments, and the children rent the parent’s share of the home. The benefits to the young homebuyers include affording a larger home for less money, having lower down payment and ownership costs, ease of qualifying for the loan, and the beginning of building an investment portfolio. The benefits to the parents include helping the children to afford a home, receipt of rental income, financial and tax benefits, increasing their investment portfolio, and having a reliable tenant.

     

    When the home is sold, perhaps after a specified period of time, the parents get back their initial investment, and the additional proceeds are shared in proportion to each one’s investment.

     

    While shared equity can be arranged between perfect strangers, the beauty of this agreement is seeing a family investing wisely together, with both parents and their children gaining benefits they may not otherwise obtain alone.

     

    Both parties should exercise due diligence by receiving counsel from experts in the areas of accounting, financial planning, and legal.

  • Title Insurance – Is It Really Necessary

    Often Required To Protect The Lender . . .

    Many of us often refer to a person who has “bought or sold” real estate. Even in newspapers we see advertised real estate for sale, yet it is only the “title” to real estate which can be bought or sold. Title is sometimes defined as the means whereby an owner is enabled to maintain or assert his possession in enjoyment of property. Another definition is that title is the evidence of right which a person has to the possession of property. As applied to the investigation of titles, the word “title” has acquired the sense of history. Therefore, searching the title, investigating the title, and giving an opinion of title all refer to the compilation and the interpretation of the history of the title, a service performed by the title company. The conclusions of his study into the history of real property are summarized on a policy of title insurance.

     

    It should be remembered that title is synonymous with the words “right”, “interests,” “estate.” Such words are used to denote the degree, quantity, nature and extent to which a person may have an interest in real estate

     

    An insurance policy that is written on title to real estate differs from every other form of insurance in its degree to indemnify an insured in the event of a loss by reason of a defect or flaw of title PRIOR to the date of policy. All other forms of insurance agree to indemnify the insured in the EVENT OF LOSS due to a FUTURE event and after the date of the policy

     

    Basically, title insurance is the company’s opinion concerning the ownership and marketability of title to a particular parcel of real property. This can only be ascertained after a thorough and complete search of all the records affecting title to the parcel insured. A title company is a service organization and performs a service for those interested in buying, selling, or loaning money on real estate. When you purchase a title insurance policy, you are buying the services of experts. The company is willing to back the opinion of these experts with the additional feature of insurance.

     

    Title insurance, in effect, insures marketable title which is, in essence, title that a prudent man, well advised as to the fact in law, would be willing to accept.

     

    Title insurance policies, however, do not insure against several major areas which are either too difficult or too expensive to cover, including defects in title known to the insured, easements and liens not shown by the public records, interest of parties in possession, or matters requiring an accurate survey.

     

    When dealing with real property, title of the seller cannot be assumed. We must ascertain and then be assured that what we bargain for is in fact owned by the seller. A purchaser of real property is not satisfied with assurance that he will not be dispossessed of his property or that no adverse claim may appear to harass his quiet enjoyment of the property. Every person, when purchasing real property, wants to know that he will be able to sell, lease, or mortgage the property freely. Because there are as many interests in land as there are leaves on a tree, a purchaser wants to be assured that his title to the land is marketable.

     

    Title insurance is often required to protect the lender against loss if a flaw in title is not found by the title search made when the house is purchased. You may also get an owner’s policy to protect yourself. Also, attorneys provide title insurance as part of their services in examining title and providing a title opinion.

     

    It is important to remember that a title insurance policy issued only to the lender does not protect you. Similarly, the policy issued to a prior owner, such as the person from whom you are purchasing the property, does not protect you. To protect yourself from loss because of a mistake made by the title searcher, or because of a legal defect which does not appear on the public records, you will need an owner’s policy. Such a mistake rarely occurs, but, when it does it can be financially devastating to the uninsured. When you buy an owner’s policy it is usually much less expensive if purchased simultaneously with a lender’s policy. In addition, if you are buying a home which has changed hands within the last several years, inquire at the title company that issued the previous title insurance about a “reissue rate” which could be a lower charge than the cost of a new policy.

  • Prepare For The Closing

    Additional Items May Be Needed At The Closing . . .

    Listed below are many of the items to attend to prior to the closing. It is important to review these items and discuss them with your agent:

     

    FINANCING —Arrange for financing. Obtain a final approval and review lender requirements.

     

    TITLE INSURANCE —Make arrangements for obtaining title insurance. Review with attorney/accountant how to hold title to property regarding estate planning/tax implications.

     

    MOVING ARRANGEMENTS —Obtain estimates for moving companies and coordinate estimated moving date.

     

    PROPERTY INSURANCE —Make arrangements for insurance coverage regarding real property, personal property, and personal liability.

     

    CONTINGENCIES —Follow-up to ensure that any contingencies (i.e., property repairs, termite inspection, and other requirements) have been completed.

     

    UTILITIES/ADDRESS CHANGE —Arrange to have utilities transferred and change address with post office, family, friends, relatives, and employers.

     

    FINAL WALK -THROUGH—Arrange for final walk-through of property to inspect for utility functions, repairs completed, personal property and garbage removal, etc. Obtain all operating instructions and warranties from Seller. Obtain Homeowners Association rules, regulations, and covenants if applicable.

     

    AT THE CLOSING —Confirm the method of payment for paying the balance of the down payment and closing costs. Also confirm identification necessary at time of document signing. Obtain keys, garage openers, and alarm codes at time of possession.

  • Tips For A Smooth Move

    Planning Is The Key . . .

    Even if your move is within the same general area, there are several actions that can expedite the procedure.

     

    — If you intend to use a moving company, make arrangements as soon as possible.

    — A month before the move, fill out change of address forms for the post office, the IRS and any others that need to be notified, including families and friends.

    — Don’t wait to tell your children about the move. The sooner they know the better. Children need time to adjust to the idea. Provide plenty of affirmation that the move is for the best.

    — Notify doctors, dentists, veterinarian, and insurance agents. Obtain copies of important records. Fill prescriptions needed.

    — Contact utilities, phone, and cable services regarding discontinuing services. Arrange for new services at new location.

    — Make necessary financial arrangements, including transfer of accounts (checking, savings, other).

    — Take inventory of your belongings before they’re packed in the event you need to file an insurance claim later. If possible, take pictures or videotape your belongings.

    — Secure valuables, jewelry, safe deposit box items, and important documents to take with you.

    — Empty fluids from lawn equipment, hoses, etc.

    — Dispose of anything flammable, including gas cans, paint cans, chemicals, etc.

    — If necessary, make special arrangements for transporting pets. You can take cats and dogs in your car, but remember to put down newspapers or sheets to keep your car clean. Animals can get carsick and may require stops along the way, so take along a leash, food and water. Other small pets, such as birds and hamsters, can easily be taken in the car. Cover their cages to help keep them calm. It can be risky to move fish. Better get recommendations from your local pet store or other expert on how to move your type of fish.

    — Plants also need special care. You should prune your plants a couple of weeks before the move to facilitate packing. Place the plants in cardboard containers with packing material to hold them in place. Use paper to cushion the leaves and place a wet paper on top to keep them moist. Mark the boxes and punch air holes in the top before loading into your car. Unpack the plants as soon as possible when you arrive. Remove plants through the bottom of the box to avoid breaking the steams.

    — Pack for your personal move; clothing, linens, personal affects and items needed upon move-in.

    — Empty refrigerator, clean and place baking soda inside to keep it smelling fresh.

Call us today  to speak to a Waterfront Property Specialist and let us help you find your lifestyle waterfront property!

United Country - Udoni & Salan Realty Group

Office: (715) 258-8800  |  Fax: (715) 258-8811  |  USRG@unitedwaupaca.com  |  www.unitedwaupaca.com

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