#NNPA BlackPress

Prepare for purchasing and closing on a home

NNPA NEWSWIRE — You’ve reviewed your spending plan, been preapproved for a mortgage, and made an offer on the home of your dreams. Now, it’s time to close — the final steps before transferring of the property deed to your name after satisfying all the conditions of the purchase contract. Here are some things to consider as you finalize your purchase.

Published

7 years ago

March 11, 2020

Oakland Post

After the closing documents are completed and the funds have been transferred, you’ll receive the keys to your new home. (Photo: iStockphoto / NNPA)

Once you’ve found the right property, learn what you can expect ahead of the actual purchase and closing.

You’ve reviewed your spending plan, been preapproved for a mortgage, and made an offer on the home of your dreams. Now, it’s time to close — the final steps before transferring of the property deed to your name after satisfying all the conditions of the purchase contract. Here are some things to consider as you finalize your purchase.

What should happen leading up to the purchase?

Schedule a home inspection and appraisal. This is something your lender might require you to do before providing a mortgage, depending on the state you live in. Some lenders want to make sure the home is worth the purchase price and that there isn’t any structural issue that may cause problems, which is also in your own interests.
Don’t open any new accounts during this crucial time, because it could impact your financing if your credit takes a hit. Opening a new account is a hard inquiry on your credit, causing a dip in your score. It may also lower the average age of your all your accounts. If you need help reading your credit report, take a look at the resources on the Hands on Banking^® website.

Prepare your documents for the closing

Double-check that you have everything your lender asked for, or else the completion of your loan and purchase may be postponed:

About three days before closing, you’ll likely receive closing documents. This package will include copies of everything you’ve turned in to your lender, as well as additional documents and paperwork you should read over.
Review the closing documents to understand all the terms of financing, and the responsibilities of the lender, seller, and buyer. Take note of what you can do if your lender or seller does anything you haven’t agreed to, and don’t sign documents without fully understanding them.
Also prepare your:
- Required documents, which typically include a government-issued photo ID, copy of the contract, home inspection reports, and proof of homeowners insurance.
- Banking paperwork laying out your means of paying back the loan, and your down payment funds.

What are some things to expect at closing?

Multiple parties will be present at the closing, such as:

Your and the seller’s real estate agent. The real estate agents may choose to attend to ensure the closing transaction goes through.
An escrow company. Depending on your location, an escrow officer may need to be present to handle funds that need to be exchanged.
Your attorney and/or the seller’s attorney. In some states, an attorney may need to be present to complete the legal transfer of the title.
Your lender. Your lender may be present to ensure the transaction goes smoothly.

Here are some examples of items you may consider reviewing before you close:

With your lender, confirm if anything has changed since approval, such as your annual percentage rate (APR) — i.e., your interest rate — or any other term.
With the seller, confirm:
- Copies of repair receipts
- Utility company information
- Trash and recycling collection days

When you’re ready, you and the seller will sign off on the purchase documents, and you will sign off on the loan documents. You may be required to wire your funds, or you may need to bring in a cashier’s check for closing costs.

After the closing documents are completed and the funds have been transferred, you’ll receive the keys to your new home.

Oakland Post

Posts by Oakland Post

Up Next

Major League Baseball Statement on Coronavirus

Don't Miss

What are the added expenses of owning a home?

Oakland Post

Click to comment

#NNPA BlackPress

NFL: Week Two Recap | Jalen Hurts did not fold; Caleb Williams exits game with injury

Philadelphia Eagles quarterback Jalen Hurts found Darius Cooper with nine seconds left for the game winning touchdown as his team beat the Tennessee Titans 24-20 in Nashville. Hurts finished the day 26/37 for 264 yards. He threw for two touchdowns and two interceptions. Prior to the final drive, the Eagles ran 25 plays for 45 […]
The post NFL: Week Two Recap | Jalen Hurts did not fold; Caleb Williams exits game with injury appeared first on BlackPressUSA.

Published

2 weeks ago

September 20, 2026

Oakland Post

Prior to the final drive, the Eagles ran 25 plays for 45 yards. During the final drive Hurts went 6-8 with 61 passing yards and the touchdown. Titans defensive tackle — and team captain — Jeffery Simmons said this week that the way to defend Jalen Hurts is to make him “play quarterback.”

Hurts said to Simmons after today’s game: “You started that sh**. I had to finish it.”

Running back Saquon Barkley suffered a stinger in the first half but he ultimately finished the game. He had four carries and nine yards and one catch for eleven yards. He will get an MRI for his injury, but admitted to Cameron Wolfe of the NFL Network he was fine.

Caleb Williams leaves game against Vikings with apparent lower-body injury

Chicago Bears quarterback Caleb Williams was helped off the field with a right leg injury with 7:42 remaining in the fourth quarter. Williams was down, writhing in pain after scrambling to his left. After departing the injury tent, Williams raised his right fist, acknowledging the crowd while expressing his frustration. Testing will commence on Monday to find out more details about his injury.

“We’ll know tomorrow,” Johnson admitted regarding Williams’ injury. “He’s in good spirits. He’s a team player.”

Williams finished the day with 138 passing yards and one interception.

“I’m actually happy it’s nothing with the knee — that was my first inclination,” Johnson said. “But, a hamstring could be pretty damaging as well. So, we’ll see. We’ll see how bad it is tomorrow and we’ll go from there.”

Bryce Young once again dominated the Falcons

Carolina Panthers quarterback Bryce Young is 5-1 against the Atlanta Falcons and is undefeated at Mercedes-Benz Stadium. Today, Young threw for 287 yards and three touchdowns as he led the Panthers to a 34-3 dismembering of the Atlanta Falcons. Georgia Tech alumnus Darren Waller caught two touchdowns and linebacker Devin Lloyd returned one of his two interceptions for a touchdown.

Cooper Rush started his second straight game for the Falcons and it did not go well. The partisan crowd voiced their displeasure after Rush completed 10/17 passes for 86 yards and two interceptions. Jack Strand entered the game for Rush prompting cheers from the Falcons fans. The rookie threw a pick-six on his first career pass attempt. Strand was the first QB to accomplish that feat since Sam Darnold in 2018 and is the first Falcons player to do that since Brett Favre in 1991. Strand finished the day with 59 passing yards and 16 rushing yards.

According to reports, quarterback Michael Penix, Jr. is expected to make his season debut this Thursday at the Green Bay Packers. His return should help the Falcons. They are the first team since the 2008 Rams to not run any plays in the red zone after the first two games to open a season.

The bright spots for the Falcons today were the Spelman College Jaguarettes performing with the Falcons cheerleaders and Florida A&M’s marching band, The Marching 100, also performed during halftime!

Jayden Daniels gets carted off after apparent arm injury

Washington Commanders quarterback Jayden Daniels appeared to injure his left elbow on the final play of the first half in his game against the Dallas Cowboys. During the play, Daniels got stepped on, braced himself for the fall, and his elbow bent the wrong way. Daniels draped a towel over his head as he exited the field on the cart.

He was later ruled out.

Daniels suffered a dislocated elbow to the same arm during week nine of last season against the Washington Commanders, which led to him being shut down for the remainder of the season.

The post NFL: Week Two Recap | Jalen Hurts did not fold; Caleb Williams exits game with injury appeared first on BlackPressUSA.

Oakland Post

Posts by Oakland Post

#NNPA BlackPress

The Complete Negotiation Framework — Every Stage, Every Tactic, Every Win

Master the complete vehicle-purchase negotiation framework with Roosevelt Gist and Roosevelt. Learn every stage, tactic, and win!
The post The Complete Negotiation Framework — Every Stage, Every Tactic, Every Win appeared first on BlackPressUSA.

Published

2 weeks ago

September 20, 2026

Oakland Post

Negotiation framework stages, tactics, and winning strategies from AutoNetwork

Roosevelt Gist and Roosevelt deliver the complete vehicle-purchase negotiation framework in Episode 8 of The Color of Our Money Is Green. This episode covers the three foundations of every effective negotiation, the full seven-stage negotiation sequence with exact language for every stage, and five of the most common dealership tactics with the specific response each one requires.
What You Learn in This Episode:
The three foundations that make every negotiation tactic work
The complete seven-stage car-buying negotiation sequence
Exact language for every stage of the dealership conversation
Five common dealership tactics — the turnover, the four-square, the packed payment, spot delivery, and forced add-ons — and how to counter each one
Why signing preliminary paperwork isn’t the same as signing the final contract
___________________________________________________________________
“The Color of Our Money Is Green: A Buyer’s Guide to What Cars Actually Cost” — stan.store/RGist
____________________________________________________________________
AutoNetwork helps serious car shoppers inspect any new vehicle online before walking into a dealership. I’m Roosevelt — I’ve been reviewing cars and shaping digital car buying and credit union auto leasing since before YouTube car reviews existed.
You’ll find detailed walkaround reviews, POV test drives, and buyer-focused breakdowns covering comfort, space, features, and real-world value.

How to use the channel:
Watch the walkaround of the car you’re considering
Visit AutoNetwork.com for the full review
Check CouponsOffersAndDeals.com for current dealer specials
Walk in already knowing what you want — and what it should cost

AutoNetwork.com
CouponsOffersAndDeals.com
Affiliate disclosure: some links earn a small commission at no cost to you and help support the channel. Insta360 is one of those partners.

The post The Complete Negotiation Framework — Every Stage, Every Tactic, Every Win appeared first on BlackPressUSA.

Oakland Post

Posts by Oakland Post

#NNPA BlackPress

Mazda CX-90 Luxury: Heated Seats & Premium Comfort! #shorts

Stay toasty in the CX-90! Plush Nappa leather, heated/ventilated seats, and a memory-equipped heated steering wheel deliver ultimate luxury.
The post Mazda CX-90 Luxury: Heated Seats & Premium Comfort! #shorts appeared first on BlackPressUSA.

Published

2 weeks ago

September 20, 2026

Oakland Post

Mazda CX-90 interior with heated seats offering premium comfort.

Experience ultimate comfort in the CX-90. Nappa leather, heated/ventilated seats, 8-way power adjustments, and memory settings for both front passengers. The heated steering wheel with memory tilt/telescope adds premium convenience.

Watch the full video: https://youtu.be/EH5A4eQ4ipY