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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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Tami Rapaport's Team
Coldwell Banker Residential Brokerage
130 Dean Drive
Tenafly, NJ. 07670
Direct Line: 201-227-2045
Cell: 201–665-5558
201-567-7788 ext. 127
Fax: 201-567-3220
Email: Tami@TamiRapaport.com

Tami Rapaport, a President's Premier Agent with Coldwell Banker (top 1% of the highest sales within the company internationally) has been ranked #5 in 2009 out of 3,800 Coldwell Banker agents throughout the entire state of New Jersey.... Tami is the only Realtor in Tenafly to achieve Eastern Bergen Board’s Platinum Level Circle of Excellence Award 8 years in a row (2002 – 2009) Additionally, Tami Rapaport has been named the Tenafly office Salesperson of the Year for 2008.........an honor she has received consistently for the past 9 years.

"Tami's level of commitment is incomparable. The honors she continues to earn are a reflection of her dedication. She knows the market, she listens to her clients and she delivers as they have come to expect her to." Karen Murphy, Coldwell Banker, Tenafly Manager

“To produce so impressively in a changing and always competitive market is a testament to your ability in business and your effectiveness at encouraging trust and enthusiasm among customers. You are a credit to our profession, a prime resource for your clients and a valued member of the NRT family. I thank you for your effort and wish you all the best in future success.” Bruce Ziph, President and CEO, NRT Inc.

“Thank You for following through on all the details throughout the closing! We really appreciate your hard work in getting this deal done!” David Kevorkian, Seller of a Tenafly home

“Thank you for all your efficient services. I appreciate you!” Ann Davis, Landlord of rental home in Haworth

Look for weekly update of homes sold in different towns throughout Bergen County. Join our mailing list and you we will sent you a free list of sold homes. Go to www.SoldHomesReport.com