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Check names, property, price, included or excluded items, deposits, financing, closing date and negotiated conditions. Also review assignment, occupancy, credits and applicable addenda.

Do not assume an item is included because you saw it at the showing. Make sure the agreement reflects your understanding and resolve questions before signing.

Review any counteroffer and keep the complete signed and delivered agreement with its addenda. Confirm with your agent when the contract becomes effective; many deadlines run from that effective date.

Ask for a calendar covering deposits, loan application and approval, inspection, association documents, title review, final walkthrough and closing, as applicable.

Confirm how days are counted and notices delivered. Do not use another transaction’s dates or assume extensions. Noncompliance can affect rights, your deposit and other obligations.

Verify the recipient, amount, payment method and deadline. Save proof and confirm receipt. Also meet any additional deposit requirement.

The deposit is separate from inspection or appraisal fees. Its return depends on the contract and properly exercising applicable rights; changing your mind does not guarantee a refund.

Provide the contract and apply within the agreed period. Submit requested documents and explain the source of your funds. Stay in contact with your lender and understand outstanding conditions.

Before opening credit, financing purchases, moving substantial funds or changing employment, ask how it may affect underwriting.

Hire an external provider independent of Goldpen early enough. Depending on scope and accessible areas, the service reviews the roof, visible structure, electrical system, plumbing, air conditioning and other components. The report typically includes findings and photographs; termites, mold, pools or septic systems may require additional reviews.

It helps identify problems and possible expenses before you decide. It does not guarantee discovery of every defect. Confirm scope, cost and report delivery before your inspection period expires.

Review the report with your agent and decide how to proceed under the “AS IS” terms: continue, propose changes or exercise the cancellation right through the required timely written notice.

Requesting repairs or credits does not obligate the seller to accept or extend the period. Formalize any agreement. The seller retains maintenance and disclosure obligations; “AS IS” does not mean no obligations at all.

The lender coordinates any required appraisal or valuation. An independent professional estimates value using property characteristics, location and comparable sales; the scope may vary. It helps assess whether the property supports the loan and does not replace an inspection.

Confirm the cost and payment timing; request the result. If value is below price, review options with your agent and lender under the financing terms and addenda. Do not assume automatic cancellation.

Inspection and appraisal are external services independent of Goldpen and may be charged before closing. Once performed, they are generally nonrefundable even if you do not complete the purchase, unless agreed otherwise in writing or a refund is legally required. Before authorizing them, confirm provider, price, scope and cancellation and refund terms.

Before the deadline, confirm the approval your contract requires, outstanding conditions and the written notice to deliver to the seller. A verbal update is not the contractual notice.

If approval is unavailable or you need more time, raise the issue immediately and review applicable requirements. Missing notice can affect the financing contingency and your deposit.

Confirm title, liens, survey and outstanding issues with the closing team. If there is an association, complete its process and review applicable documents, restrictions, fees and special assessments.

Obtain insurance quotes early: coverage, exclusions, deductibles and effective date. Ask who will resolve each outstanding issue and when.

Buyer and seller must fulfill the agreement. If a term or date must change, raise it early and keep the properly executed written amendment. A request or conversation is not approval.

Extending closing does not necessarily extend inspection or financing. Confirm every affected deadline. If there is a default or dispute, do not assume immediate deposit release or automatic cancellation; review the contract’s procedures with your agent.

For loans subject to this requirement, you must receive the Closing Disclosure at least three business days before loan consummation. Compare it with your Loan Estimate: amount, rate, term, payment, costs, credits, deposits and cash to close.

Request other documents in advance and ask about any differences before signing.

Confirm the final amount, accepted payment method and time needed for cleared funds with the closing company. Verify wire instructions by calling a previously confirmed phone number.

Stop and verify any unexpected account or recipient change. Keep proof of payment and confirm receipt.

Arrange the walkthrough provided in your contract. Check included items, property maintenance and documented agreements. It does not replace the professional inspection.

Report discrepancies before closing and ask for the resolution to be documented rather than relying on an unconfirmed promise.

Review personal details, documents, loan terms and delivery conditions before signing. Confirm with the closing team when documents and funds are complete and when possession is due. Signing alone does not authorize occupancy.

Keep final copies and confirm keys, controls and access as agreed, including any agreed post-closing occupancy.