Quais são as melhores maneiras de evitar atrasos de fechamento como comprador?

As a first-time home buyer specialist for over 17 years, explaining the contingency periods and the fluidity of closing dates is a MUST to avoid what can be a stressful situation for your buyers. Automate reminders in your calendar, days before due dates, so they can have time to ask their questions. For some people, they need to take time off from work, so prepping them for the specific dates is key!

I have seen lenders gloss over the deadlines and speak in lending jargon to many buyers, and if they don't know when exactly the money is due, or what's the difference between the lender, the processor, and the underwriter - nothing but stress and headaches for all. As the agent, I do my best to let the buyers know, unless told otherwise, any request from a lender is ASAP. You have a second job for the next 30 days!

The lender depends on heavy involvement from the buyer and several third-party service providers. If any one of the other parties are unable to supply the information needed in a timely manner it could throw off the delicate time-line to close by the contract closing date. A great rule of thumb is to ask your lender for a time-table upfront. What activities need to happen by which dates in order to meet the closing date? Make sure that time-line is shared with all parties. If any of the critical dates are unable to be met, it may affect the closing date. Continually re-evaluating the closing date during the process will keep surprises from appearing later down the line.

In a real estate transaction, the agent is the hub in the center of the deal. The go-between to title, escrow, closing compies, inspectors, appraisers, etc. CC on them on all communications, and all questions should go to them first to help expedite your closing.

Probably the biggest thing that buyers can do to relieve the stress of closing on a home, is to understand that the closing date is FLIUD. Everyone is doing their best, but we can't control everyone. PREPARE and do all you can on your side. Talk to the lender specifically in the last week before close, and if they say jump, you say how high, and do it FAST. And just in case, have a back-up contingency plan should you need a day, or two, or...a week.

The multiple documents, processes, and parties involved make closings complex. Effective project management is vital. Use Gantt charts to sequence and prioritize deliverables. Other parties appreciate it when someone takes responsibility for sharing information and keeping everyone aligned. The worst outcome would be missing a closing date because something was forgotten. Project management tools help teams avoid finger-pointing by letting everyone know what they're accountable for and when. Build in buffer time and provide flexibility when possible to build trust and avoid giving someone a reason to withhold information at the eleventh hour.

Hire a (good) lawyer. Real estate lawyers understand contracts, lender-speak, title reports, closing timelines, and closing requirements. Your lawyer will make sure you know what you need to know and that you do what you need to do, when you need to do it. A lawyer will help ask for extensions as necessary. Document closing cost credits or other seller concessions for the lender. Lawyers get buyers to the closing table. On time. Safely.