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Closing On Your Home Purchase
Posted by nick_niesen on October 29th Wholesale MLB Jerseys Free Shipping , 2010


This is the final step. You've found the perfect house. You're happy with your mortgage arrangements. Now it's time to close the deal. Closing is a process where all legal and financial obligations, which were stated in your "Offer of Purchase", have all been made.


There are many things to keep in mind for the closing to go smoothly. Here are the steps:


聲 Give a copy of your purchase offer to your lawyer and have him or her go over the terms and conditions.
聲 Meet all the conditions of the offer by a specified date.
聲 A land survey is completed.
聲 Complete all the various inspections including a home inspection.
聲 Have your lawyer carry out title searches.
聲 Your lawyer will check into taxes and liens.
聲 Make sure you have made all the necessary payments Wholesale MLB Jerseys From China , including a deposit.
聲 Check to make sure all property taxes are up to date (lawyer).
聲 Finalize all your mortgage paperwork (lawyer).
聲 Arrange for utilities to be connected to your new home.
聲 Confirm the purchase price, the balance of the deposit and any other adjustments by having your lawyer prepare a statement of adjustment.
聲 Once all of the above are complete, you need to sign a cheque and pay all remaining legal fees.


Closing Day


This is the day you take possession of our new home and you get your keys. But much more happens on Closing Day.


聲 Your lender provides the mortgage money to your lawyer.
聲 You provide the balance of the purchase price to your lawyer.
聲 You pay all legal fees Wholesale MLB Jerseys China , disbursements, and land transfer taxes.


Closing Day Defined


Adjustments and Closing Costs


In order to register a deed, you have to pay Registry Office fees and the Land Transfer Taxes.


Land Transfer Taxes


A land transfer tax is usually paid to the province at the time you or your lawyer register your transfer and deed. This tax is calculated as a percentage of the purchase price. If you are a first time home buyer of a new home Wholesale MLB Jerseys , you are given a bit of a break.


Right of Inspection


Usually, the vendor is not required to allow you to inspect the premises prior to closing. However, sometimes this can be worked out between you and the vendor and it is recommended that you do inspect the premises if possible.


Decide on your mortgage lender with the same care you would bring in a business partner. When times get tough and you need a a lender to stick through tough times with you Wholesale Jerseys Cheap ,you will quickly find out if they are someone you would want in a foxhole with you.


The last thing you want is a lender who is more concerned about percentages than in your historical payment performance.


Build a relationship with your lender and keep them informed as if you are put in to a position to change the structure of your mortgage. Having a lender as a business partner can be a significant advantage in tough times.

10 Fun Things You Can Do With Your Children this Summer that Won't Break the Bank

For a family with small children like my own, a big family vacation in the summer isn't always an option. But just because your summer entertainment budget is small doesn't mean you and your kids can't have lots of fun this summer.

Here are ten ideas to get you started on lots of fun this summer ? on a budget.

1) Water + Kids = Lots of Fun

Put everyone in bathing suits and turn on the sprinklers. Fill the plastic pool that's been lying around the garage all year. Get some inexpensive water guns at the dollar store and fill up some water balloons. Believe me, your kids won't need any further instructions. Just keep plenty of towels around to dry off afterwards.

2) Your Child on Paper

Get a large sheet of packing paper Wholesale Jerseys Shop , or use some leftover wallpaper. Any big sheet of paper will do. Ask your child to lay on his or her back on the paper and use a pen or pencil to draw the outline around him or her. Let your child paint features, clothes etc. When the paint dries, cut the shape out and hang this life-size picture of your child up.

3) Make Your Own Sidewalk Chalk

Use the recipe found at to make your own sidewalk chalk. Use it to let the kids turn the driveway into a piece of art Wholesale Jerseys Free Shipping , or and use it to play hopscotch.

4) Take Me Out to the Ballgame

Do you have a baseball team in town? It doesn't have to be a major league team. In fact tickets will be a lot cheaper if it isn't. Take the kids out to a minor league game or even watch your high school team play.

5) Backyard Camping Trip

Don't have time to take the kids on a camping trip this year? Just camp out in the backyard or even in your living room. Your kids will enjoy it just as much as going out into the woods, and it will give you a great chance to spend some quality time with your kids uninterrupted by TV, video games etc. For more tips on how to turn this into a fun event Wholesale Jerseys From China , read Backyard Camping Trip at >
6) Take the Kids to Work

Have your kids been curious what Mom or Dad do all day at work? Take them with you for a day or even just a few hours before they have to go back to school. Of course you may want to check with your employer first. If he doesn't like the idea of having a child hang out in the office all day, ask if it would be ok for someone to bring your child in for an hour or two. Get your child involved while he or she is visiting with you. Ask him or her to help you with some of your everyday tasks.

7) Game Night Movie Night

Dig out some of the board games that have been sitting in the closet for ages and play games for a few hours. You can even share some games that you enjoyed playing as a child.

Movie Night is another great way for the entire family to spend the evening together. Rent a family movie, make some popcorn and have everyone watch the movie t. Cheap Jerseys Cheap Jerseys Cheap Jerseys Online Cheap Jerseys Wholesale Cheap Jerseys Free Shipping Wholesale NFL Jerseys China Cheap NFL Jerseys Cheap NFL Jerseys China Wholesale NFL Jerseys China Wholesale NFL Jerseys Free Shipping