Please take the time to review and discuss with your legal counsel all of the Estimated Closing Costs and Registry of Deeds Recording Fees. Please review my Moving Tips  with various recommendations and suggestions for moving companies, on-line transfer of your utilities and much more. If you are also buying a home you might want to review the Buyers Closing Information. Please feel free to call me to discuss any of these matters in detail!

Prior to your scheduled closing date, if you enlist my 4 or 5% fee I will retrieve and submit the following documents for the closing: the 6D Certificate (a notarized document verifying that all condominium fees and any and all special assessments in the condominium association are up to date for the month of the closing), the Condominium Association's Master Insurance Policy Certificate naming your buyer's lien holder, and the City of Boston Fire Department Smoke/Carbon Detector Certificate; all of these documents are required by state statute to record this transaction at your registry of deeds. Keep in mind that most condominium associations charge fees for the 6D and Insurance Certificate, the City of Boston charges $50.00 for the smoke/carbon detector certificate and then the registry of deeds charges fees to record all document for this transaction. Please verify that your smoke and carbon detectors are operable...if you are uncertain please let me know well in advance!

The week just prior to the closing is when your buyer's mortgage company's underwriter actually prepares all the documents, verifies the accuracy of the HUD Statement commonly known as the closing or settlement statement, reviews the deed and actually funds the closing. If this is a cash deal your legal counsel will prepare the closing documents. Either way, I will continue to be in touch regularly throughout the entire transaction in an effort to monitor the process and to generally assure the process proceeds smoothly and ultimately closes without incident. However, from here on in the mortgage company is in the driver's seat!

Call your attorney to schedule the actual closing date, time and location in an effort to avoid any problems with your schedule. If you are not going to attend the closing like most sellers today, have your attorney prepare "Power of Attorney" as well as a wire transfer which will save you time and aggravation...these steps must be done well in advance! The closing usually takes place at the lender's attorney's office or the Suffolk County Registry of Deeds near Government Center and is usually about 1-2 hours depending upon the transaction. If this is a cash deal, the closing will most likely take place at one of the attorney's office or the Registry of Deeds.

About three (3) days prior to the closing, you should request a copy of the HUD Statement. Unfortunately, the lender's attorney will usually not have this prepared until about 48 hours or less prior to the closing. The HUD statement will document the transaction in detail and will inform you of the total amount paid to you at the closing after any and all agreed upon deductions. If you have any questions in regards to the HUD statement, please call your attorney immediately! You should also cancel your unit home owner's insurance policy effective the end of the day of the actual closing and/or transfer to your new home.  Finally, I will be scheduling a walk-thru for the buyer just prior to the actual closing, so please leave all keys (i.e. building, unit, garage, mail box, storage etc.) on the kitchen counter and I will deliver these to the closing.