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Category Archives: Buying

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How to Negotiate Closing Costs on a Newly Constructed House

Sandy Gadow

By Sandy Gadow Special to The Washington Post Ever notice how enticing advertising for newly built houses can be? More than one million new housing projects were started in 2014, and the prospect of being able to choose between several … Continue reading →

Posted in Buying, Closing/Settlement, New Construction | Leave a reply

Why Home Buyers Need Contingencies

Sandy Gadow

By Sandy Gadow Special to The Washington Post So you’re buying your first house. You’ve gotten preapproved for a mortgage, researched a plethora of neighborhoods and after months of touring dozens of houses you’ve finally found what you think is … Continue reading →

Posted in Buying, Contingencies, Selling | Leave a reply

Open Permits Can Throw a Wrench into Closings for Home Buyers

Sandy Gadow

By Sandy Gadow Special to The Washington Post Buyers usually have no reason to suspect that an outstanding permit exists on a home they intend to purchase. After all, repair or remodel work may not be obvious during a visual … Continue reading →

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How Closings Are Handled State by State

Sandy Gadow

Real estate closings may be handled by escrow companies, title companies, lawyers, or a combination of one or more of those. Some lenders may have their own closing department. A revised explanation of how a real estate closing will be … Continue reading →

Posted in Buying, Closing Costs, Closing/Settlement, Selling, Title Insurance | Leave a reply

Mortgage Closing Pain Points: What You Can Do?

Sandy Gadow

A recent study by the Consumer Financial Protection Bureau reported the results of a year-long study to identify the most troublesome aspects of a loan closing.  The CFPB,  in an effort to improve the mortgage closing process for borrowers, asked … Continue reading →

Posted in Buying, Loans | Leave a reply

Successful Mediation — A Guide

Sandy Gadow

Mediation is the process in which a neutral third person, the mediator, helps parties reach a settlement to their dispute by opening up lines of communication, evaluating positions and issues involved, identifying each party’s real needs and arriving at a … Continue reading →

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Can Mediation Save Our Deal?

Sandy Gadow

Jack and Eliza searched Fayette county in Virginia for the right house. Not only must it be in good condition, have a nice yard, be in a good school district, but it had to also be a show place for … Continue reading →

Posted in Buying, Closing/Settlement, Selling | Leave a reply

How to Choose a Title Insurance Company

Sandy Gadow

Choosing the right escrow officer or title attorney to handle your sale can mean the difference between a smooth and rapid closing or a complicated, delayed closing, fraught with anguish. Most often either the buyer or seller may choose the … Continue reading →

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Is Title Insurance A Worthy Investment?

Sandy Gadow

Evelyn Hunter wanted to deed a small condominium apartment in Pasadena, Ca., to her grandchildren. Because this property transfer was among relatives, Ms. Hunter didn’t see the need to obtain title insurance, a one-time premium paid to a title company … Continue reading →

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Steps to a Cakewalk Closing

Sandy Gadow

New York Times April 27, 2012 There’s no lack of information on the Internet about real estate closings. But according to Sandy Gadow, the author of “The Complete Guide to Your Real Estate Closing” and a Sotheby’s broker who has … Continue reading →

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What Your Closing Agent Does for You

Sandy Gadow

Although you may not feel you need to speak with your closing agent until you are well into the purchase process or possibly not until the day of closing, it is a good idea to contact the closing agent early … Continue reading →

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How your Title Insurance Dollar is Divided Up

Sandy Gadow

Often misunderstood, title insurance is viewed by many home buyers as an unusually high expense in comparison to other closing costs in their real estate transaction. Lender costs are generally accepted, as borrowers realize they are getting something valuable for … Continue reading →

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Shopping On-Line for Title Insurance

Sandy Gadow

While you may want to use your local or referred title or closing company, it still may be worth your time to shop on-line to compare title insurance rates and fees.  If nothing else, if you find a cheaper rate … Continue reading →

Posted in Buying, Title Insurance | Leave a reply

What is a Co-Op?

Sandy Gadow

A co-op is similar to a condominium except rather than owning a piece of physical property you own a share in a corporation.  The corporation in turn owns the building you live in, and you get a proprietary lease to … Continue reading →

Posted in Buying, Condominiums & Coops | Leave a reply

What Is the Best Way to Improve My Credit Score?

Sandy Gadow

While there is no “best” way to improve your credit score, as each of the three main credit reporting bureaus may give a higher value to one type of action over another, there are several steps you can take, which … Continue reading →

Posted in Buying, Credit, Credit Report, Loans | Leave a reply

Rules for Investing in America as a Foreigner: A Primer

Sandy Gadow

Raj and his wife Nila want to buy a house in America to be used as a vacation home. They are citizens of India and unsure as to the rules which dictate how they can make a property purchase. Raj … Continue reading →

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How Do I Prepare For A Smooth Closing?

Sandy Gadow

There are several things you can do to be certain that your real estate transaction will close on time, and that everything will go smoothly. A day or two before closing, you should review your final closing statement or HUD-1 … Continue reading →

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What is the First Time Homebuyer Credit?

Sandy Gadow

The First Time Homebuyer Credit is a credit available to taxpayers who purchase a primary residence during the period April 8, 2008 and December l, 2009.  It is a result of the Housing and Economic Recovery Act of 2008 and … Continue reading →

Posted in Buying, Selling, Taxes | Tagged first time home buyer | Leave a reply

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