8 Horton Lane, Billerica, MA 01821
The home buying process can be long and daunting. From trying to find the right home to facing rejected offers, it can seem endless. Eventually, you will find the right home and get that offer accepted. Now you must face the next phase what’s called “closing” on a home. What exactly happens at the closing table can vary based on your own situation, but the important thing to know is that the closing table is where the deal is sealed and signed. The home of your dreams will finally be yours!
Find The Location
The location of the closing will be determined beforehand. It’s usually at a lawyer’s office but it could be at a realtor’s office. The attorney who has been chosen will be noted on the closing documents you receive before you get there.
Get Ready To Write Large Checks
When you’re closing on a home, this is the time that the downpayment is expected along with all of the lawyer’s fees, taxes, commissions, assessments, and other agreements. This money should be presented at the time of closing and there’s no wiggle room on the timing, so be sure you have the cash handy in your account. Often, a bank check will be required to pay these fees along with the downpayment. Your lender will give a a detailed report of the fees that are required before you even head to the closing table, so you’ll have time to prepare.
Do Some Hand Stretches
There will be plenty of pens available at the closing. You’ll be there for awhile signing many important documents, so bring some water. If you don’t have a safe or file folders, you’ll want to get them as well. Depending on how your closing is conducted, a lawyer or other authorized person will be present to explain the legal jargon to you for every piece of paper that you’re signing. Every document that you sign should be saved for your reference and safe keeping. The proof of insurance and the deed to your property are definitely documents that you’ll want to have handy for a long time to come. Your home is one of the largest purchases that you’ll ever make in your lifetime, so be sure to keep that paperwork in order.
After Closing Ends
After all of the papers are signed and the walkthrough of the home is complete, you’re a homeowner! In most cases, you’ll be able to call the home your own immediately. In some special cases, there are post-closing agreements that include repairs that couldn’t be done ahead of time, or other transactions that the seller may have agreed with you on at an earlier date.
In most cases, everything will be taken care of right at the closing table. One of the most exciting moments is when the keys are handed over to you! After a long time of searching, many phone calls, and a lot of work, now you can start putting that elbow grease into your home!
21 Franklin St, Billerica, MA 01821
31 FIELDSTONE LANE, Billerica, MA 01821
Have you ever gone outside after a patch of cold weather to find long icicles hanging from your roof's edge? These spears of ice are usually caused by an ice dam forming along your eaves or roof's edge and can be dangerous when they melt and go flying to the ground.
What is an ice dam?
An ice dam is a rim of ice that accumulates when snow melts on your roof and cools enough to turn to ice before it falls to the ground. The result is a heavy buildup of ice that can tear down your gutters and drain pipes as well as cause those huge (and dangerous) icicles. It can even cause water to back up and enter your home. Ice dams are usually the result of heat escaping from the top of your house due to poor insulation. Chimneys and exhaust vents on your roof can also contribute to causing ice dams.
Dealing with ice dams
To keep ice dams in check, it's important to keep the snow from building up on your roof. You can do this with a roof rake or a roof broom without having to climb up on the icy roof. For a long-term fix, it's also a good idea to inspect your roof's edge and the inside of your attic each fall and seal up any cracks or gaps where heated air can escape. In addition, you want to keep as much heated air in your living space as possible for energy efficiency as well as preventing ice dams. That means making sure that your ceiling is secure and insulated and that no air is passing between the two spaces.
If, despite your best efforts, you still have ice dams appearing at your roof's edge, it's best to call in the professionals. Walking around on an icy roof can be hazardous and is better left to those with special training and experience.