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Step 12 to Buying a Home: Schedule Closing

Now that you have an executed contract, it’s important to schedule the closing on your calendar and arrange to take the day off from work. Here are a few things to know about your closing date as specified on your executed contract:

-It could change. While we hope closing occurs on your closing date, there are many factors which could cause it to be pushed back, such as a tight time frame for closing (anything 30 days or less) causing the mortgage company to need more time, etc.  However, for planning purposes right now, count on your closing date being the final date.
-Closing generally takes place at Coldwell Banker office located at 3915 Market St. Camp Hill, PA 17011. On average closing takes about 1 hour, but if there is a problem it could take up to 4 hours. For this reason it’s important that you arrange to take the whole day off from work. We can’t specify a specific time, but can request either morning or afternoon. If you have a time preference, please let us know.
-The closing location and exact start time won’t be scheduled until your mortgage officer gives us Clear to Close (CTC), meaning you’ve been completely approved for the loan without any conditions.  This generally occurs 2 days to one week prior to your closing date and is when we’ll be notified of the exact location and start time.
-It’s best if you attend the closing in person, however, if you can’t be there that day, notify our team, your mortgage lender, and your real estate attorney now. That way your attorney can create a Power of Attorney (POA) so you can skip the closing.  This needs to be done at least two weeks in advance of closing as your mortgage officer needs to review and approve the POA, you need to have it signed and notarized and get the original signed paper copy back to the attorney at least one day before closing.  In addition, you’ll need to write a letter explaining why you can’t attend the closing. We always encourage clients to attend closing as it’s important you understand the closing documents, when your first mortgage payment is due, how you make your first mortgage payment, etc.  All of that will be explained at the closing.
-The day prior to closing you will need to wire transfer your down payment and closing costs to the title company.  The wire instructions for this transfer will come from either myself, your attorney or your mortgage officer. Do not follow anyone else’s instructions unless it comes from one of the three of us.  There are many scams out there targeted at buyers where scammers will email you fake wire transfer instructions in an attempt to steal your money. Therefore, it is imperative that you only follow instructions sent from our email address (homesalesinyourarea@gmail.com) or your mortgage lender’s email address.  We will have you wire transfer a few thousand dollars more than needed for closing just to be safe in case any last minute changes occur to the fees or a mistake was made in the calculations. At the end of closing you will receive a refund check for the overage amount which you will take with you when you depart.
-If you are planning to move into your new home on the day of closing, schedule the move for at least 1 – 2 hours after closing ends, if possible. Legally you can’t move into the house until the end of closing once the bank funds the loan and transfers the funds to the seller.
-At the very end of closing, you will receive the keys to your new home!

If you have any questions about closing, please let me know by calling 717.963.0016 or emailing homesalesinyourarea@gmail.com.

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Gina Casner

In 2016, I began my tenure in real estate as a licensed Executive Assistant for a leading real estate training coach and subsequently for high-producing real estate teams. I very quickly fell in love with real estate and by 2019, I transitioned into personally helping clients turn their dreams into keys. After dozens of transactions, I have been dubbed the “unicorn hunter,” finding out-of-the-box solutions for clients looking for a home with unique requirements. In addition to managing my real estate practice, I am involved in providing community education on responsible home ownership through my exclusive Path to Home Ownership workshop series. I also am the founder of Chronically Strong, an organization that promotes mental health awareness and suicide prevention in our local communities. I take a holistic and individualized approach to real estate. Buying or selling a home in Central PA can be complex, sophisticated and often a deeply personal endeavor. Your experience should mimic the high level of customer service all of my clients have, while being very specific to your own individual needs. I work with a team of experts to provide a full, complete experience that only a cohesive team can consistently provide. Working with us, you will be given personal attention in every aspect of your home buying and selling experience with the professionalism and consistency of a thoughtful business model. And yes, superior results will follow! On a personal note, I attribute my success not only to my passion for helping clients execute on their next “big move”, but also to my knowledge regarding the psychology of buying and selling. My clientele works in diverse industries with an emphasis on technology, finance, medicine, law, and business. My real estate practice has grown successfully and consistently thanks to the repeat business of happy clients and their introductions to friends, family and neighbors. This track record is only possible because we deliver both results AND an enjoyable experience. Growing up, my family moved frequently all across the continental U.S., but you will hear me say that I am from California because that is the longest place that I lived during my formative years. Moving became a way of life for my family and each place I lived became a part of my story. It taught me that our home truly is the foundation of everything in our lives, and it is this belief that compels me to work hard for my clients when they are buying or selling their home. In many ways, our home becomes a part of our identity, an identity and memory that should be honored. I have been accused of being tenacious and super honest. I like to win (for my clients) but do so with a calm demeanor and a smile. I live in a raised ranch home in Lower Paxton Township with my main squeeze, my teenage son, and our very spoiled dog, Ginger. I have mad faith, and truly believe that each and every one of us is capable of great things. I graduated from Penn State University with a Bachelors’ in Sociology. There is a running joke in my family that every day I go to real estate school because every day my clients teach me something new. I continually invest time, money and thought into the latest sales, marketing and negotiation techniques. Why? Because I believe that you deserve to have the best working for you. I want to live life on my own terms, and am committed to helping you do the same. Would you like to work together? Please reach out. I look forward to hearing from you! Gina

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