Buying a house in Charlotte can be a rewarding and challenging experience. The right Realtor can make the entire process as smooth as can be. In this section we will explore what happens in the weeks after your offer has been accepted By this point you have already secured your loan, found the home of your dreams and submitted an offer that has been accepted by the seller.

• Schedule closing date and time with attorney and have attorney order survey, if a survey is desired.
• Lender will order an appraisal of the property (valuation of property)
• You will set up homeowners insurance policy with assistance from lender. Check with your current car      insurance carrier for potential discount rates.
• Set up utilities at new address for closing date

• Re-inspect any repairs that were made
• Review HUD/Settlement Statement
• Get certified check from bank (based on final HUD numbers). Check made out to closing attorney.
• Walk through property morning-of or day before closing
• Close on property in the morning before 2pm so the deed can be recorded the same day and keys can be exchanged. Make sure to bring picture ID to closing and certified funds!
• Bribe your friends to get them to help you move in!
• RELAX…. This process can be educational and empowering.

• Building Inspection:  $300 to $600 (depending on size of home)
• Wood destroying insect inspection:  $55 to $80
• Survey: ~ $375
• Attorney fees: $550 - $750
• Down Payment: ask your lender how much you’ll need to put down. Will probably range from 3.5% to 20% depending on your credit, income, and price range of home
• Lender fees:  Ask your lender to give you a Good Faith Estimate
• Average estimate of closing cost’s: 2.5% – 3% of purchase price
• Radon inspection: ~$300
• Home Warranty: $350 - $450
• REMINDER: asking the seller to pay for the above expenses (a.k.a. closing costs) is always an option      during negotiations