The Agency - Charlotte - Flipbook - Page 35
STEP 06
D ue D i l igence & Closi ng - I n s p e c t ion s , appra i s a l, HOA do cs , i n s u ra nce
Inspections
Disclosures & Records
We curate inspectors matched to the property
(general, WDIR/termite, radon, roof/HVAC,
sewer/septic, pool, dock). We book, attend as
needed, synthesize reports into a clear action
list, and negotiate repairs or credits within your
deadlines.
We collect seller disclosures, permits, warranties,
and system ages; translate findings into practical
risk/maintenance guidance; and use discoveries
to refine negotiation and future budgeting.
Appraisal
We prepare a comp package for the appraiser,
monitor turn times, and manage strategy if
value comes in low (price adjustments, seller
credits, or appraisal-gap planning) to keep
your loan and timeline intact.
HOA/Condo Documents
We obtain CC&Rs, bylaws, budgets/reserves,
insurance, minutes, and rule summaries,
flag red flags (assessments, rental caps,
litigation), and coordinate follow-up questions so
you know exactly what you’re buying into.
Title & Survey
We coordinate with your closing attorney and title
company on searches, commitments, and
insurance; we order boundary/ALTA surveys
when appropriate and review for easements,
encroachments, or access issues that may affect
use or value.
Insurance
We introduce reputable carriers/brokers early,
request quotes (homeowners/condo, flood if
applicable), and align coverage requirements with
lender and HOA docs so you’re fully bound before
closing.
Septic/Well
We schedule water testing and septic inspection/
pump, review reports with specialists, and
negotiate remedies or concessions based on
objective findings.
Condo/Lender Questionnaires
We help the lender and HOA/management
exchange required forms, master insurance,
and budget/reserve data, troubleshooting quickly
so underwriting stays on track.
Timeline & Deadlines
We run the calendar: inspection dates, duediligence expiration, appraisal and loan
milestones, CD issuance, and closing. Expect
proactive reminders, same-day summaries, and
contingency management so no date slips.
Final Walk-Through
We verify agreed repairs, receipts, and
completion photos; conduct the walk-through with
you; and escalate any last-minute issues to the
seller/attorney with practical solutions (holdbacks, credits) to ensure a smooth handoff.
From 昀椀rst offer to keys, we act as your project
manager and advocate—coordinating vendors,
synthesizing information, and negotiating
outcomes—so you make con昀椀dent decisions and
close with clarity.
T H E A G E N CY C H A R LO T T E
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