08/09/2026
"I forgot to sign the HOA transfer documents. Is that a problem?" Sent at 9pm. The night before closing. 😬🏡
David Rose face. Every time.
Listen, closing day should be one of the most straightforward days of the entire transaction. The hard work is done. The negotiation is behind you. The inspection is behind you. The appraisal cleared. You are supposed to show up, sign the documents and hand over the keys.
But there is a small group of last-minute surprises that sellers create entirely for themselves by not staying on top of the final details. And they are all completely avoidable.
Do not make large financial changes between contract and closing. New credit lines, large purchases or significant deposits into your bank account can affect the transaction in ways that show up at exactly the wrong moment.
Make sure agreed repairs are completed and documented before the final walkthrough. If the buyer confirmed repairs were part of the deal, they need to be done and they need to be provable before they walk through that door one last time.
Respond immediately to any document requests from the title company. In the final days before closing, speed matters. Every hour of delay from your side can push back the closing for everyone involved.
And please. Do not send your agent a "quick question" at 9pm the night before closing about something that should have been handled two weeks ago.
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