Must‑Have Paperwork to Sell Your Home > 자유게시판

• 목록
• 답변
• 글쓰기
• 게시판 리스트 옵션
  • 수정
  • 삭제

When you decide to sell a property, the paperwork can feel like a maze.

Submitting each document backs your ownership claim, guards against future disputes, and speeds the closing.

Below is a comprehensive guide to the essential documents you’ll need to gather before you list your home, for the home inspection, and up to the moment the keys change hands.

Proof of Ownership

The foundation of every real‑estate deal is proof that you truly own the property.

Usually it’s the deed, but with a trust or joint ownership, you might need extra documents such as a trust agreement or joint contract.

A clear title chain is vital; any gaps or disputes can halt the sale or cut the price.

Title and Title Insurance Details

A title search (often performed by a title company or attorney) confirms that the title is free of liens, easements, or other encumbrances.

Regardless of existing title insurance, supply a copy of the policy and the newest title report.

It gives the buyer confidence that the property can be transferred smoothly.

Survey and Boundary Details

Buyers usually want to ensure that deed boundaries correspond to actual property lines.

A recent survey, ideally conducted within the last two years, provides this confirmation.

If you don’t have a survey, it’s a good idea to commission one before listing.

Certain jurisdictions mandate a survey for all residential transactions.

Seller Disclosure Pack

Sellers must legally reveal known material defects.

The disclosure set generally includes:

A basic property condition form

Comprehensive disclosures covering structure, roof, plumbing, electrical, HVAC, and environmental risks (e.g., mold, radon, lead paint)

A copy of the most recent home inspection report, if one was conducted.

Many states require the disclosure to be signed by the seller and notarized.

Failure to disclose material defects can lead to lawsuits after the sale.

Home Inspection Report

Even without a requirement, a recent professional inspection can reassure buyers.

It should cover roof, foundation, windows, doors, HVAC, plumbing, electrical, and pest issues.

Keep the report handy and be ready to negotiate any findings.

Past Utility Bills and Service Contracts

Buyers often want to see a sense of the property’s operating costs.

Provide the last 12–24 months of utility bills (electric, gas, water, sewer, trash, internet).

Include copies of service contracts like HVAC maintenance, pest control, or smart home devices.

Transparency aids buyers in estimating future costs.

Mortgage Payoff Details

If you have an outstanding mortgage, secure an official payoff statement from the lender.

This document shows the exact amount required to satisfy the mortgage balance on the closing date.

It also enables calculation of the sale’s net proceeds.

HOA Documents (If Applicable)

HOA‑affiliated properties require buyers to see:

HOA bylaws and covenants

Recent financial statements and budget

Current assessments or special fees list

HOA minutes for the previous year

Giving these documents lets buyers see ongoing duties and future projects that might affect the property.

Property Tax Records

Buyers must understand the current tax status.

Submit the latest property tax bill and records of past payments or delinquencies.

If there are pending tax liens, disclose them and explain how they will be addressed at closing.

Insurance Documents

Supply homeowner’s insurance proof and the policy effective post‑closing if you’re transferring it.

Buyers might also wish to view policy limits, deductibles, and endorsements for particular risks.

Previous Sale Documents (If Selling a Resale)

If it’s a resale, provide copies of the prior sale contract, settlement statement, and amendments.

These documents can help the buyer assess the property’s price history and any past issues that were resolved.

Renovation Permits

If upgrades like a new roof, kitchen remodel, additions, or energy‑efficient windows were made, provide the permits.

This demonstrates that the work was done to code and can protect the buyer from future liability.

Legal Docs (If Needed)

If the property faces a lien, easement, or litigation, disclose these documents.

If the property belongs to a trust or 再建築不可 買取 名古屋市東区 LLC, supply the trust agreement or operating agreement.

Digital Copies for Closing Agent

Many title companies and real‑estate attorneys prefer electronic documents.

High‑resolution scans of all paperwork should be saved in a secure cloud folder.

Clearly label each file (e.g., "Deed_Tuesday_2025.pdf") to aid the closing agent.

Reference Checklist

Maintain a master checklist tracking each document.

Tick items as you collect them and note any remaining items.

This habit cuts last‑minute surprises.

Why This Is Important

Gathering these docs early saves time, lowers stress, and builds buyer trust.

Missing paperwork can stall a sale, lower the final price, or even void the contract.

In certain areas, failing to provide required disclosures can lead to fines or civil liability.

Thoroughness now protects you and ensures a smoother transaction for all.

Closing Thoughts

Selling a property goes beyond putting a sign in the yard.

It’s a legal process that demands careful documentation.

Start early, stay organized, and consider an attorney or title company to ensure all bases are covered.

With paperwork in order, you’ll face fewer delays and can focus on the real goal: securing the best price.