Peyman Moshref

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Taxes and Hazard Insurance:
Based on the month you close, property taxes will be prorated between you and the seller. You may also be required to pay a full year’s hazard insurance (or homeowner’s insurance) premium in advance. In addition, you may also be required to place funds into a special reserve account (impound account) for taxes and insurance, which is held by the lender. You absolutely must have this to obtain a mortgage.

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On Moving Day: Double Check
Before you leave for the last time double check closets, drawers, and shelves to be sure they are empty. Make sure you leave old keys, garage door openers, broiler pans and instruction manuals needed by the new owner.


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