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Buying with BPA

Update for Buyers: New TRID Regulations: Be Prepared

  • Before making an offer on a home, speak to area mortgage professionals about financing options and obtain a pre-qualification. Your agent can provide you with a list of local lenders.
  • As you shop for a loan, be sure to ask the lender for a list of all the materials you will need to provide to the lender for their underwriter. Any delay in providing materials can trigger automatic delay of closing date.
  • Before making an offer on a home, talk to local attorneys. You will need to select an attorney before and no later than submitting a Purchase and Sale Agreement for consideration.
  • Buyers are responsible for providing all materials on a timely basis. Untimely submission of documents triggers automatic delays to closing dates and can jeopardize buyer deposits.
  • Be aware: post-agreement price negotiations can trigger delayed closing times.
  • Important term: Termination Date is the date from which all dates are calculated.
  • Home Loan Toolkit can be found at:

Typical Offer-to-Closing Schedule in the Berkshires