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Homebuyers are engaged to sign a pile of intimidating and chaotic documents at closing. The loan reports alone can sum-up into hundreds of pages or a lot. Most of these documents are for the lender’s advantage. The reason is, they don’t want a potential prospect of lawsuits.

You want these documents to be settled all at once for future reference- for your own sake or in the situation that you need to file a case of legal claim against the seller, your professional representation group, or contractors. You don’t have to acquire all the original copies of your documents, but you should have fully accomplished documents with all parties’ signatures. Consider keeping these necessary documents for at least a few years after you finally sell the house you have purchased. Below are the kinds of documents you should keep after your home closing.



  • THE PRELIMINARY DOCUMENTS; Remember that your buyer’s agent concurrence cites all the conditions of your relationship with your real estate agent’s expense, along with how long the agreement remains in force and how or when you can terminate it. It is considered a legal contract, and it can be necessary to keep it on hand just in case there is a problem that will rise and this document also will serve as a proof of terms you agreed to even long after the sale closes. Some problems can show up later. Take note that the purchase agreement is your contract to purchase the home. It is the document that you and the seller sign in the first place and both parties are legally compelled to abide by its terms.
  • THOSE DOCUMENTS ON THE WAY TO CLOSING; These documents are the addendums, riders, or amendments include anything that changes or modifies the terms of your original buying contract. These kinds of documents might define the names on the title or the spelling of the seller’s or buyer’s name. It also corrects even a common street address.
  • THE CLOSING DOCUMENTS; The “Escrow instructions” often repudiate the buying contract and will spell out the financial conditions of the agreement between the buyers and sellers. They give control to an escrow agent to accomplish specific acts on account of the parties involved. Also, the essence of the home inspector’s findings will point out which items are in good status and which require appropriate repair or replacement. It should involve photos. It can also be a conferring tool during the sale, and it can later provide a list of important repairs.
  • THE INSURANCE DOCUMENTS; It includes the home warranty plan which contains the policy number and contact information for repair calls. They will layout what is capped under the warranty and the kind of things that aren’t capped. You should know that the insurance policy should mask the terms, conditions, policy number, and the premium notice for your homeowners’ insurance. Also, the title insurance policy lays out you consign. It also includes the name of the title company, the policy number, and the date of issuance. This document can also be your defense if anyone affirms a previous claim against your property.

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