Closing the deal on your home sale is not as easy as giving a handshake to the buyer and taking the money. A normal real estate sale involves paperwork and procedures. Here are some important items that you will come across before, during and after the sale.

 

BEFORE LISTING YOUR HOME

Comparative Market Analysis (CMA) 

This is a summarized report of sold properties in your neighborhood, sharing the same features with your home. The report indicates an estimated value to justify the price of your property before listing it for sale. It’s a good idea to complete a CMA before you list your house, so you can accurately price your home. An overpriced house could  sit on the market a long time. An underpriced house could leave money on the table. 

Home Repair and Maintenance Records

It’s a good idea to keep records of any completed capital improvements. You can share these 

with the buyer, to enhance the sale. It’s also good to be able to show these to the appraiser, to 

support a higher market value.  

Keeping your capital improvements’ receipts will also help when determining your home’s cost basis. Capital improvements are considered costs, so they add to your purchase cost. This is important for your tax consequences when you sell. It could lower your capital gains tax.

Disclosures

You will need to take an inventory of your house. A Seller’s Disclosure form needs to be completed, where you will list your knowledge of the house’s condition, including: the mechanicals; utilities; any appliances; the foundation; roof; if any history of flooding and other items. 

 

WHILE YOUR HOUSE IS ON THE MARKET

Purchase Agreement

The buyer will submit their offer with a purchase agreement. It will list their offer price, type of financing they’re using, deposit amount, closing date and any other requested conditions.

When you accept the offer, the terms on the purchase agreement will dictate the sale. 

Pre-Inspection

After you accept the offer, the buyer will have a period of time to complete a private inspection of the house. The buyer will have an inspector go through the interior and exterior of the house, and do a very extensive inspection of the house mechanicals, foundation, roof, plumbing, hvac, electrical, windows…everything. This is the buyer’s opportunity to make sure there are no hidden defects. 

Appraisal

If the buyer is financing the purchase with a mortgage, they will need to get an appraisal. The bank, or mortgage company will require an appraisal to get the house’s market value, based on comparable sold homes in the area. The seller does not choose the appraiser, the bank/mortgage company selects a 3rd party, neutral appraiser.  

Title report

The title report is provided to the buyer to show that there are no liens on the property, and the buyer is receiving the home “free and clear” of any encumbrances. An initial title commitment will be run to see what is showing up on the title. It will show any requirements that will need to be satisfied before the final title policy is issued.

Addendum

An addendum will be used, if there are any changes to the purchase agreement terms. Common reasons are: a closing date extension; repairs the buyer wants the seller to complete, after receiving the inspection report; price reduction after the appraisal report; other seller concessions. Both parties agree to the changes by signing the addendum. 

Closing Statement

This statement breaks out the seller and buyer’s closing costs, and any credits to complete the sale. There will be an initial Estimated Settlement Statement, giving both sides an idea of the expenses each will be responsible for. If the buyer is taking out a mortgage, the statement will show the mortgage credit, and it will show the amount the seller is netting on the sale. After the actual amounts are confirmed, a Final Settlement Statement is issued, and the closing is set.

 

AFTER THE DEAL

Deed

After the closing, the deed will need to be recorded. This will officially show the property was transferred to the new owner. The deed identifies both you and the buyer, a thorough description of the property and when the ownership was transferred.

1099-S Tax form

This is only required if you do not qualify for a capital gains tax exclusion. This is a report for taxes owed to the IRS with regards to the sale of your home.

There may be additional documents that you will need to provide depending on your specific sale.

Selling your property can be overwhelming, if you don’t prepare yourself for all the paperwork  and procedures you need to complete. SellUsHomes can help you sell your house in a smooth, and seamless manner. We purchase homes in As-Is condition in Detroit and Southeast Michigan. Contact us now at (734) 224-5947, or email us at info@sellushomes.com.

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  22. She flicked off the lights and pushed him against the wall. A frame fell face down on the floor and shattered next to them. She didn’t allow him to take notice. She bit at his bottom lip, tugging his face, commanding him to follow her lead as she walked backwards down the hallway, deeper into the darkness, her darkness. And he, submitting to her bestial strength, simply weaved his fingers into the rust of her hair and bowed to her dominion. Like a lowly, unassuming insect, captivated by her hellfire glow.
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    Halfway down the hall, she slammed him back first into the wall again, harder than before — no frames there that time. She clawed at his chest under his shirt as she ate his kiss once more and bit down his neck; the groans he breathed out into the obscurity flinched sharply as her fangs grew less and less forgiving.

    His buckle caught the flash of lamplight seeping in from somewhere outside as she tugged at the leather strap of his belt. She ran her fingers up and back down the front of his chest, back down to his waist, and unclasped his belt, plucking it from the loops with a single sliding pull. Feverishly, she tore his pants open and moved them, along with his boxers, down just enough to reveal his smug erection. With both palms on his board-firm chest, she smirked at him, kissed him once more, a little softer than before, and squatted down before him.

  23. юные проститутки ростова , размещенные на нашем ресурсе, настолько прекрасны, что выбор будет сделать совсем не просто, но выбрав самую развратную красотку-путану, она воплотит в реальность самые смелые сексуальные фантазии.

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  31. “Enough!” He (I presumed) walked up to me, demonstrating that I had a head of height in advantage, and gestured imperiously for Bekhat to move away from me. Given the circumstances, what could she do but obey? As she did so, a pair of the brutes moved from their line to flank her, though they did nothing more.
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    The little man drew from one sleeve a small stick, looking as though he had pulled it from a bush to scrape his teeth on his way over, and dragged it along the ground in a circle around me. As he completed the circle he spat on the joining and straightened again.

    I grew alarmed as he drew a small knife from somewhere or other, but he only cut his own finger and splashed a few drops on to the dust. “Now, creature,” he said, looking me in the eyes at last. “Simply walk over my circle, return to your home, prove me wrong, and we shall trouble you no more.”

  32. Она погладила самую чувствительную часть его тела, чуть не сведя его с ума, но он оставался на месте, позволяя ей исследовать своё тело. Как только открылись двери, мы оказались посреди ночного клуба для миллионеров. Их превосходного зрения достаточно, чтобы найти путь в темноте. Поставила ногу на пол, широко развела колени, положила левую ладонь на шею и повела вниз, комбинезон расходился под её рукой, обнажая тело.
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  33. юные проститутки ростова , размещенные на нашем ресурсе, настолько прекрасны, что выбор будет сделать совсем не просто, но выбрав самую развратную красотку-путану, она воплотит в реальность самые смелые сексуальные фантазии.

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