How long is this going to take?
You’ve found the house you want to live in for the rest of your life. When can you move in?
Assume that the owner is willing to sell you this mansion for a price you are willing to pay, and assume that you don’t have all the money to purchase the property already saved in your bank account. Unless your favorite uncle is going to give you the money to purchase the house with, you will have to borrow it from some place. And the process to determine that you are a worthy credit risk and that the property you want to purchase is worth more that you are asking the bank to loan you, is what’s going to take the most time in this entire procedure.
The short answer is if you plan on closing three months from the date you made the purchase offer, you will generally not be disappointed. Of course, this assumes we are talking about already existing houses. New homes are more complicated, because unpredictable things like weather and labor and material shortages may affect the ability of the builder to deliver on their promise of when the house will be ready for occupancy.
Timothy K. McCusker is an attorney who has been practicing real estate law with the law firm of Gallo and Iacovangelo since March, 1981. Gallo and Iacovangelo,LLP is a general practice law firm located in the heart of Rochester which has been serving clients throughout New York for decades.
You can reach Tim at (585) 454-7145 or email him at timm@gallolaw.com You are invited to ask him any specific questions or to suggest any topics you would like him to discuss on this web page.
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