LA Residential Agreement to Buy or Sell 2015-2024 free printable template
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Hello this is Marilyn Bureau with century 21 Mike de Bono and company in Lake Charles Louisiana today I would like to address a new change that is going to affect with our purchase contracts as of jun 2013 it's the financing clause and when you sit down to write a contract your Realtor is going to go through this with you and explain the steps that are in the contract what your responsibilities are in regard to financing and moving forward with obtaining your loan to be able to close on the house the first seven days is when you're going to go in, and you're going to make your formal application you may have obtained a pre-approval, but the formal application is actually something that is done once you are under contract that lender has to have a purchase contract to be able to move forward and build their loan file, so you're going to go in, and you're going to sign what is known as restless that the loan officers refer to, and they're going to ask you for a lot of information you're probably going to have to bring in your pay stubs for the last 30 days you may even have to bring in your taxes for the last couple of years they're going to give you a list of things that they need to finish that file, so you were saying you're going to do that in within the seven-day period there is another section in that clause where we write in 30 days the 30 days is actually saying that within that 30 days that is when the appraisal is going to be ordered and that lender is going to get the final loan approval there's a third space where we write in an additional 15 days that 15 days is in case we have to do an extension past the 30 days so typically a contract is written 30 to 45 days it all fits together like a puzzle and there's a reason for it, but you need to understand that you're responsible for doing these things and that's what the financing clause is I hope this information is helpful to you as a buyer this is Marilyn Bureau please give me a call at three seven four nine nine nine five nine two if you have further questions thanks
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