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Disclosure Laws >Avoiding Delays During Escrow

Unforeseen problems can arise during escrow, and closing dates are never set in stone! Lenders, appraisers, title attorneys, credit check services, or anyone who is involved in the transaction could potentially delay a closing. Stay in close touch with your real estate agent, who will notify you of deadlines and help you deal with delays.

Well-written sales contracts are the key to avoiding problems during escrow. For example, provisions can be included in the agreement that require the buyer to provide evidence of sufficient funds for down payment and closing costs, or to present proof of the ability to obtain homeowner's insurance. Because of new restrictions on insurance policies, the mortgage lender may require insurance before funding the loan.

There is also a section in the sales contract wherein the seller makes a warranty to the buyer of the condition of the property. It is important to make sure that this clause is modified to reflect the seller's transfer disclosure statement. If this is not done, the seller could be required to repair items that are found to be dysfunctional or faulty, and this could add time to the escrow period.

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Q	What is a VA home loan?
A	The Office of Veterans Affairs guarantees small or no-down payment mortgage loans made by lenders to U.S. veterans.
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Natalie Terry, REALTORŽ, real estate agent and broker for Charlotte Metro, Charlotte Uptown and Matthews North Carolina home listings, property and land for sale - NUMBER1EXPERT(tm)

Natalie Terry
Keller Williams Realty
3430 Toringdon Way, Suite 101
Charlotte, NC 28277
Tel: 704-575-5400
Fax: 704-602-0552
Natalie's Terry's Email: natalieterry@NUMBER1EXPERT.com
Tim Terry's Email: timterry@kwcharlotte.com
Real estate has been my passion for the last five years and I wouldn't change a thing. After all, coming into Real Estate is how I met my husband Tim. We've been married for two years and when we're not selling homes and teaching new agents, we enjoy traveling, spending time at our beach condo, cookouts with our family and friends and Bobcats Basketball.

My family moved from Paris, France to Charlotte when I was 10 years old. I consider myself a Charlotte native, having grown up here and gone to the College of Nursing at UNCC. I was an RN in a busy ICU and ER for 5 years and enjoyed 10 years in the Army Reserves and Army Nurse Corps. I'm proud to have served our country in Desert Storm.

In order to better serve all of my buyer and seller clients, I have furthered my education in real estate by earning the highly coveted Certified Residential Specialist (CRS) designation, awarded to less than 5% of all RealtorsŽ nationwide.

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NUMBER1EXPERT™ in real estate for Charlotte Metro, Charlotte Uptown and Matthews, North Carolina, condos, townhomes, golf course properties, waterfront properties

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