I am in the process of closing a house. I also really, really need a car. I was in an accident during this process that totalled my vehicle. Anyway, if I finance a car, on the same day but after closing on a house, will it cause a problem?
I am in the process of closing a house. I also really, really need a car. I was in an accident during this process that totalled my vehicle. Anyway, if I finance a car, on the same day but after closing on a house, will it cause a problem?
Lenders usually do a last minute credit check right before closing.
Best to wait 1-2 days after closing.
My tag line during mortgage up to close is I cannot control what you do after we close but we are calculating everything to close smoothly based on your current numbers, I don’t recommend changing anything. Post close if you do it.
Talk to your lender. If the car payment is well within their guidelines for your budget, then you may not even have to wait until after close. These events are usually built into their models, especially if you already had a car payment before totaling your car. But if you’re going to wait until after close, it’s probably best to do it a few days after official close.
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I have realized that over the course of creating a relationship with real estate entrepreneurs, you’ll be able to get them to understand that, in every single real estate contract, a commission amount is paid. Ultimately, FSBO sellers don’t “save” the commission. Rather, they try to earn the commission by way of doing the agent’s job. In this, they commit their money plus time to complete, as best they might, the jobs of an broker. Those responsibilities include getting known the home by means of marketing, showing the home to buyers, building a sense of buyer emergency in order to prompt an offer, arranging home inspections, taking on qualification inspections with the loan provider, supervising maintenance, and aiding the closing.
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