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Closing: What to Expect
Who Handles Closing?
Your deal will be managed by a closing agent—typically a title company or attorney—who acts as a neutral third party. They will:
- Hold the earnest deposit in escrow
- Research and ensure a clear title
- Prepare closing documents
- Handle the disbursement of funds on closing day
How Will You Hold Title?
There are a few ways to take ownership (individually, jointly, in a trust, etc.), and each has tax and legal implications. Not sure what’s best? We can connect you with local attorneys or tax advisors to help you decide.
HOA or Condo Association Approval
Buying in a neighborhood with an HOA? Some communities require an approval letter before closing. We’ll help gather the rules and timelines so nothing falls through the cracks.
Insurance Coverage: Don't Skip This
If you're financing your purchase, insurance will be required:
- Homeowners insurance if you’re living in the property
- Landlord insurance if it’s an investment property
Need help finding a policy? We’ve got recommendations.
We're With You From Contract to Close
We’re here to make sure you feel confident and clear from start to finish. Whether it’s inspections, appraisals, or just understanding the paperwork, we’ve got your back.
Have questions about the process? Contact us today—we’re happy to help.
Find out how we can help you reach your real estate goals by completing the form .
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Tips For Buying The Perfect Home
Don’t Max Out Your Budget
Just because you’ve been approved for a max amount, doesn't mean you should spend it all on the home's sale price. You will want to set some of that aside for closing costs, taxes and potential home repairs or remodeling.
Get To Know The Area
Make sure the neighborhood works for you and your family - are you close to schools and is shopping conveniently located? Location is important because it’s the one feature that can’t be changed.
Don’t Skip The Inspection
Inspections are worth their weight in gold and will draw attention to problems you may not otherwise see, giving you peace of mind and letting you make more informed decisions about your purchase.
Get Pre-Approved
Getting pre-approved by a lender lets the seller know you are serious and ready to purchase a home and that you are not just window shopping. Check out our list of recommended lenders here.
Make a List of Deal Breakers
Know what you can live with and what you cannot live without and also those things that can be taken care of with a simple remodel. If you need a 4 bedroom home, don't buy one with 2 that requires a massive addition which can break your budget.
Look At The Age Of Appliances & Other Systems
Some of the most expensive features of a home are Appliances, HVAC, Hot Water Heater, Septic/Well, and Roof. You should pay attention to their age and whether they have required service. You may even be able to get the seller to add a home warranty.
Check For HOA Requirements
Most neighborhoods have HOAs that govern what you can and can't do - be sure you know what the rules are for your neighborhood, and the fees associated with having an HOA. They are usually listed as annual fees.
ONE PARTNER FOR ALL YOUR REAL ESATE NEEDS
What Price Range Can I Afford?
Resources For Longmont Home Buyers
The journey to homeownership starts by understanding how much you can afford. One major thing to consider is your down payment, if any. Many consumers believe it's impossible to buy a home without at least 20 percent down. But thanks to various government-sponsored programs, many people can now buy a house with as little as 3.5 percent toward a down payment. Veterans of the U.S. military have zero-down programs available.
Finding a knowledgable Mortgage Loan Officer is key to recieving the most up-to-date information on available lending options. Feel free to check out or vetted list of preffered lenders below - or, if you just want to run some quick rough numbers, check out our free mortgage calculator.
Areas We Serve
- Longmont
- Boulder
- Berthoud
- Niwot
- Firestone
- Frederick
- Mead
Whether you're managing one property or building a full portfolio, Longmont Property Group is here to help you thrive. We know Longmont, Boulder, Berthoud, and the surrounding communities inside and out—and we’re passionate about helping our clients succeed through hands-on property management, legal compliance, and unmatched local expertise.
Let’s Talk!
Reach out today to schedule a consultation and find out how we can help you maximize your rental property’s potential in Boulder County and beyond.