"We can't recommend Mike Kight highly enough!"
"My husband and I can't recommend Mike Kight highly enough! When we met Mike, we were facing a very difficult time in our lives... the possible foreclosure on our home. We had done some research and knew that a short sale was the best way to sell our home and preserve our credit as best we could given the circumstances. Mike was kind, straightforward, honest, professional, and very knowledgeable about what options we had. He was able to help us make decisions in our best interests and we always knew he would know how to navigate the sometimes complicated transaction. As a matter of fact, when the tricky issue of roof repairs came up, he knew exactly how to advise us so that it worked out very smoothly for all parties involved. He and his staff were on top of every detail from the moment we signed the listing agreement. He knew exactly how to price our property; how to carefully and strategically handle price reductions; how to work with other agents less experienced with the nuances of a short sale; how to skillfully negotiate a contract with the buyer and our lender to position us for approval; and best of all ran interference for us with all parties involved and thereby took all the worry and stress off our plate. We really never had doubts that he would get our home sold!! "Thanks to Mike we have every confidence that we will be able to buy another home soon - with his help of course!"
"Amy and Danny J."
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Closing or Settlement >The Settlement
The final stage of a home sale transaction is the time to tie up all the loose ends. The buyer and seller will sign the settlement sheet at the closing, detailing all of the charges that each party has incurred during the sale of the house. It is crucial to go over the sheet for accuracy and to make sure that you understand everything on it before you complete the transaction.
When a contract is negotiated, each side agrees how to divide the loan fees (or points), as well as the other closing charges, such as state or local taxes or escrow fees. Your real estate agent can go over the settlement sheet and help you compare it with your purchase agreement. The seller's charges usually include the brokerage fee, the mortgage payoff, and any charges involved in clearing the title, as well as pro-rated property taxes, payments for termite treatment and escrow for repairs that could not be completed by closing. The buyer's costs include charges for the loan and title searches, insurance and any other legal fees. A good closing officer will go over the settlement sheet line by line, explaining each item and correcting any misplaced charges.
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| Q |
Where are church services held in the water each Sunday during July and August?
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| A |
At Half-Moon Bay, Ontario, worshippers gather in boats facing the natural stone pulpit, and hymnals are passed to the floating congregation by ushers in canoes. |
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