Esquire Realty Ciaramella & Co.

1️⃣ Verbal “Yes”- Basic Terms Agreed ✅ Price and general terms are set. Nothing is official yet.

2️⃣ Home Inspection 🔍Inspection happens before contracts.Repairs/credits (if any) are negotiated.

3️⃣ Deal Sheet Sent to Attorneys 📄Once inspection items are settled, the deal sheet goes to both attorneys.

4️⃣ Seller’s Attorney Drafts the Contract ✍️Contract + Riders are prepared and sent to the buyer’s attorney.

5️⃣ Attorney Review ⚖️Buyer’s attorney reviews everything and negotiates protective changes. Edits go back and forth until the contract is finalized.

6️⃣ Buyer Signs & Sends Deposit 💰Buyer signs first and conveys the contract deposit. Still not binding yet!

7️⃣ Seller Signs — Now It’s Official 🗂️Once the seller signs, the seller’s attorney deposits the escrow, and the contract becomes fully executed. Mortgage timelines begin.

8️⃣ Buyer Begins Mortgage Application 🏦Buyer submits further income docs and explanations. Lender issues disclosures and starts processing.

9️⃣ Appraisal & Underwriting 🏠📉Lender orders the appraisal.Underwriter reviews the buyer and the property.

🔟 Title Search 🔎The title search reviews everything about the property such as taxes, potential judgments, liens, municipal searches for violations and open permits, as well as deed information, bankruptcy, and patriot searches.

1️⃣1️⃣ Loan Commitment Issued ✔️Loan is approved subject to final conditions.

1️⃣2️⃣ Clear to Close & Schedule Closing 📅All conditions met means that the lender issues a “Clear to Close.” Attorneys schedule closing with the bank and title company.

1️⃣3️⃣ Final Walk-Through 🚶‍♂️🏠Buyer checks the property before closing. Buyer checks for “as is” condition being met, as well as completion of any agreed upon repairs or changes.

1️⃣4️⃣ Closing Day! 🎉🔑Signatures, funding, keys handed over. Seller gets proceeds. Buyer gets Deed. Deal done. Congratulations!

1️⃣5️⃣ Review ⭐⭐⭐⭐⭐ All parties involved rave about Esquire Realty Ciaramella & Co. and leave glowing Google and social media reviews.

😁𝗙𝗼𝗹𝗹𝗼𝘄 𝗠𝗲 𝗳𝗼𝗿 𝗺𝗼𝗿𝗲 𝗥𝗲𝗮𝗹 𝗘𝘀𝘁𝗮𝘁𝗲 𝗧𝗶𝗽𝘀! ✨✨