Oh! Also -- my sister says that I'll need a lawyer for the closing. The realtor hasn't mentioned that. Do I need one? (My sister does deal with real estate law, but she deals with billionaires, so I have no clue if the advice for billionaires buying real estate is the same as the advice for me buying a townhouse.)
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Hil R. - Feb 18, 2019 4:35:44 pm PST #5327 of 8216
Sometimes I think I might just move up to Vermont, open a bookstore or a vegan restaurant. Adam Schlesinger, z''l
DebetEsse - Feb 18, 2019 4:48:00 pm PST #5328 of 8216
Woe to the fucking wicked.
We did not need a lawyer for our closing a couple years ago.
sj - Feb 18, 2019 4:56:42 pm PST #5329 of 8216
"There are few hours in life more agreeable than the hour dedicated to the ceremony known as afternoon tea."
Hil, you do not need one, but it is a good idea to have one. Your bank or credit union can probably recommend one to you.
Maria - Feb 18, 2019 4:59:50 pm PST #5330 of 8216
Not so nice is that I'm about to ruin a Friday morning for a bunch of people because of a series of unfortunate events and an upset foreign government. - shrift
Have you told your realtor or your loan officer that your parents are giving you money towards the purchase? There are hoops you have to jump through to make sure you can use that--it can be a pain to collect the documentation the underwriters require.
Either option sounds solid, and the contractor seems like he understands the practicality of what you need.
Some states require a lawyer for closing, but I don't know if OH is one of them. Closings are usually handled by a title company, who makes sure all of the paperwork is in order. Both of mine (MD and PA) were handled by a title company licensed by the state. MD requires an attorney to be present at closing, so title companies have them on staff and it's included in the fee you pay to the title company. As the buyer, the choice of closing agent is yours. Your realtor will know what is needed in OH.
Hil R. - Feb 18, 2019 5:04:40 pm PST #5331 of 8216
Sometimes I think I might just move up to Vermont, open a bookstore or a vegan restaurant. Adam Schlesinger, z''l
Have you told your realtor or your loan officer that your parents are giving you money towards the purchase? There are hoops you have to jump through to make sure you can use that--it can be a pain to collect the documentation the underwriters require.
Yeah -- I told them both, and the bank gave me some forms to have my parents' bank fill out, and I filed all of those.
Thanks. I'll ask my realtor about whether I need a lawyer, then.
Dana - Feb 18, 2019 5:11:28 pm PST #5332 of 8216
I'm terrifically busy with my ennui.
We've never had a lawyer at closing, and we're on house #4.
Maria - Feb 18, 2019 6:44:32 pm PST #5333 of 8216
Not so nice is that I'm about to ruin a Friday morning for a bunch of people because of a series of unfortunate events and an upset foreign government. - shrift
Sounds like everything is moving along at a good pace then, Hil!
NoiseDesign - Feb 18, 2019 7:00:17 pm PST #5334 of 8216
Our wings are not tired
We did not need a lawyer in CA when we purchased just over a year ago.
billytea - Feb 18, 2019 7:29:16 pm PST #5335 of 8216
You were a wrong baby who grew up wrong. The wrong kind of wrong. It's better you hear it from a friend.
We got a conveyancing firm for our house purchase. In the event, nothing really came up that we couldn't have managed by ourselves.
Trudy Booth - Feb 18, 2019 9:41:30 pm PST #5336 of 8216
Greece's financial crisis threatens to take down all of Western civilization - a civilization they themselves founded. A rather tragic irony - which is something they also invented. - Jon Stewart
NY needs a lawyer - which came as a shock to friends of mine.