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Selling with BPA

The agents at Berkshire Property Agents understand that every property must be carefully and individually marketed to maximize its appeal to potential buyers. With extensive, targeted advertising campaigns in print and online publications as well as a major social media presence, BPA’s multi-platform approach reaches buyers who are looking to buy homes in every price point.

We know that selling a house can be a stressful and sometimes complicated process, and our experienced agents are committed to providing guidance every step of the way to expedite the sale of your home.

Contact us today if you have any questions.


An Important Update Regarding Federal Financing Regulations

As of October 3, 2015, there are new federal financing regulations in place which will affect every home sale and transaction.

In the past, where a transaction involving buyer financing may have taken roughly 40 – 50 days, you can anticipate a transaction taking at a minimum, 60 days.

ANY delay in receipt of required information from SELLER or buyer will trigger necessary and automatic extensions.

Here is an example of what the transaction timetable will look like:

  1. Within (3) business days after making the consumer’s loan application, the lender will send the buyer a Loan Estimate. The bank and attorneys need approximately (50) days after application date to close the loan, research title and transfer the deed from the application date.
  2. Within (7) business days of receipt of the Loan Estimate (and 10 days after Loan Application) from the Lender to the Buyer, the Buyer must affirm their commitment to proceed with the transaction.
  3. 10 Days before the closing date
    • Bank issues a Clear to Close document
    • Closing Attorney and Buyer’s Attorney send to bank all figures needed for the closing disclosures: lien payoff amounts, tax, water, sewer, fire district, fuel, condo/assn fees, rent and any other applicable adjustment.
  4. 3-7 Days before the closing date (depending on notice type)
    • Lender sends buyer final CLOSING DISCLOSURE
  5. If seller promises repairs, they must be performed as contractually defined, otherwise the sale is in jeopardy. It is in the seller’s best interest to make repairs at least 10 days before closing so that the buyer can inspect the work done and ensure it meets with their satisfaction, to avoid delays.
  6. If seller doesn’t ensure the property is broom clean and all personal property and rubbish removed by the closing, the closing is in jeopardy. This often overlooked step is very important.