6609 South Himalaya Way by The Cranford Team

Exclusively Prepared for: Joe and Catherine DeCocco For the Property At: 6609 South Himalaya Way Aurora CO 80016-2339

Why Choose Joey Cranford? The Hometown Experts with a World of Experience®

Joey Cranford Broker Associate RE/MAX Professionals O 303.268.0631 C 303.913.6559

• 2012-2013 SMDRA Diamond Circle Award for Most Transactions • Over 1,000 transactions closed • 226 Homes Sold in 2013 • #1 Individual In the DTC Office and all offices combined at RE/MAX Pros • #1 Realtor® at RE/MAX Professionals • #1 Individual RE/MAX Agent in Colorado • #16 Individual RE/MAX Agent in the United States • #48 Individual Agent among ALL Realtors® according to the Wall Street Journal

RE/MAX, LLC Membership Services

Top Producers Year End 2013 R011 - Mountain States Region Top 100 Individuals - Combined YTD Date Generated: 1/30/2014

Rank First Name

Last Name

Office ID

Office Name

City

State

Joseph

Cranford

R0110219 RE/MAX PROFESSIONALS

Englewood

Steven

Bond

R0110468 RE/MAX RESULTS

Orem

Kimberly

Pitaniello

R0110043 RE/MAX ALLIANCE

Greenwood Village

David

Noah

R0110517 RE/MAX LEGACY REALTY

Fargo

Michael

Kozlowski

R0110219 RE/MAX PROFESSIONALS

Englewood

Eva

Stadelmaier

R0110147 RE/MAX PROFESSIONALS

Littleton

Susan

Smyle

R0110069 RE/MAX NORTHWEST INC

Westminster

Raymond

Shea

R0110041 RE/MAX PROPERTIES, INC

Colorado Springs

John

McElveen

R0110097 RE/MAX OF BOULDER INC

Boulder

Beverly

Testa

R0110010 RE/MAX PROFESSIONALS

Highlands Ranch

Laurie

Williams

R0110170 RE/MAX PROPERTIES OF THE SUMMIT/KEYSTONE

Keystone

Judy

Chambers

R0110219 RE/MAX PROFESSIONALS

Englewood

Amanda

Dowell

R0110047 RE/MAX ALLIANCE

Golden

Vicki

Westapher

R0110041 RE/MAX PROPERTIES, INC

Colorado Springs

Christopher

Viets

R0110157 RE/MAX PROFESSIONAL CITY PROPERTIES

Denver

Mary

Rigby

R0110222 RE/MAX PINNACLE

Durango

Ryan

Ivie

R0110409 RE/MAX METRO

West Bountiful

Tom

Rau

R0110502 RE/MAX REALTY OF RAPID CITY

Rapid City

Karen

Miller

R0110219 RE/MAX PROFESSIONALS

Englewood

Diane

Stow

R0110088 RE/MAX TRADITIONS INC

Longmont

Jennifer

Bozarth

R0110049 RE/MAX MASTERS INC

Greenwood Village

Sandi

Zimmerman

R0110218 RE/MAX PROFESSIONALS

Castle Pines

Marnie

Long

R0110090 RE/MAX ALLIANCE

Fort Collins

Brian

Boals

R0110128 RE/MAX REAL ESTATE GROUP

Colorado Springs

Patricia

Kahler

R0110088 RE/MAX TRADITIONS INC

Longmont

Heather

Roxburgh

R0110426 RE/MAX ASSOCIATES

Draper

Kelli

Lanphere

R0110033 RE/MAX PROFESSIONALS

Denver

Neil

Spencer

R0110055 RE/MAX CENTRAL ALLIANCE

Denver

Jared

Zimmer

R0110425 RE/MAX PROPERTIES

Cedar City

Nadine

Kirk

R0110202 RE/MAX ALLIANCE

Castle Rock

Daryl

Smith

R0110097 RE/MAX OF BOULDER INC

Boulder

Ludwig

Kinzli

R0110235 RE/MAX ALLIANCE

Wellington

Carolyn

Williamson

R0110049 RE/MAX MASTERS INC

Greenwood Village

Lisa

Taylor

R0110071 RE/MAX SOUTHEAST

Denver

Mary

Gedack

R0110050 RE/MAX ALLIANCE

Westminster

Kathy

Allen

R0110501 RE/MAX PROFESSIONALS INC

Sioux Falls

Brian

Sundberg

R0110097 RE/MAX OF BOULDER INC

Boulder

Steve

Altermatt

R0110097 RE/MAX OF BOULDER INC

Boulder

Fred

Smith

R0110049 RE/MAX MASTERS INC

Greenwood Village

Kathleen

Hofstra

R0110059 RE/MAX PROFESSIONALS

Littleton

Mauri

Tamborra

R0110071 RE/MAX SOUTHEAST

Denver

Mark

Kruse, II

R0110055 RE/MAX CENTRAL ALLIANCE

Denver

Angela

Spangler

R0110048 RE/MAX ADVANCED INC

Fort Collins

David

Stein

R0110196 RE/MAX ALLIANCE

Louisville

Cole

Underwood

R0110122 RE/MAX ADVANTAGE

Colorado Springs

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Membership Services

Top 100 U.S. Individuals Residential Commissions Only January-December 2013 Report Date: 3/17/2014

Rank

Individual Name

City

Office Name

State

Michael Seder

RE/MAX THE WOODLANDS & SPRING II

The Woodlands

Bryan P. Knisley

RE/MAX BENCHMARK REALTY

Las Vegas

Casey Margenau

RE/MAX DISTINCTIVE REAL ESTATE

McLean

Jordan B. Cohen

RE/MAX OLSON & ASSOCIATES

Westlake Village

Cathy Cheng

RE/MAX 2000

City of Industry

Steve E. Cairncross

RE/MAX COASTAL PROPERTIES

San Diego

William J. Ruane

RE/MAX ESTATE PROPERTIES

El Segundo

Peggy Fong Chen

RE/MAX OMEGA

Arcadia

Joshua R. Barker

RE/MAX TOWN & COUNTRY

Redding

Nicholas Abbadessa

RE/MAX MASTERS REALTY

La Verne

Kamran Montazami

RE/MAX PREMIER REALTY

Irvine

Edward R. DiTroia

RE/MAX REAL ESTATE ASSOCIATES

Woodcliff Lake

Po Wei David Tair

RE/MAX UNIVERSAL REAL ESTATE

Bayside

Denise Fast

RE/MAX ESTATE PROPERTIES

Marina Del Rey

Pauline Cheng

RE/MAX PREMIER PROPERTIES

Arcadia

Joseph D. Cranford

RE/MAX PROFESSIONALS

Englewood

Chad R. Polazzo

RE/MAX METRO ATLANTA CITYSIDE

Atlanta

John J. Postma

RE/MAX OF GRAND RAPIDS

Grand Rapids

Edward S. Park

RE/MAX PREMIER REALTY

Irvine

Michael S. Roller

RE/MAX REALTY WEST

Fulshear

Nancy Liu

RE/MAX 2000

City of Industry

Stephen C. Doll

RE/MAX ALLIANCE

Virginia Beach

Perrie A. Mundy

RE/MAX ADVANTAGE

Redlands

Jacqueline Scura

RE/MAX FIRST CHOICE

Parsippany

Joan Imperato

RE/MAX ASSOCIATES NORTHEAST

Kingwood

Rory R. Posin

RE/MAX ESTATE PROPERTIES

West Los Angeles

Victor H. Vo

RE/MAX DFW ASSOCIATES III

Carrollton

Jeahad Kadaf

RE/MAX LEADING EDGE

Dearborn Heights

Sharon Liu

RE/MAX PREMIER PROPERTIES

Arcadia

Steven W. Bond

RE/MAX RESULTS

Orem

Peggy Acker-Farber

RE/MAX PREFERRED

Waunakee

Deborah L. Frank

RE/MAX DISTINCTIVE REAL ESTATE

McLean

Soha Fontaine

RE/MAX GOLD COAST REALTY

Hoboken

Gayle Probst

RE/MAX ESTATE PROPERTIES

Rancho Palos Verdes

Page 1 of 3

Rankings are compiled from figures submitted by regional offices.

Services What Sets Us Apart experience RE/MAX Professionals agents average over 14 years of real estate experience, have obtained a dominant market share in our service areas, and our agents have sold 3 times more transactions than the average Denver metro agent.

brand and marketing RE/MAX Professionals has an image of quality and prides itself on stellar branding, advertising and marketing of your property. We leverage the strength of the most powerful real estate brand in the world, and add a level of prestige you canâ&#x20AC;&#x2122;t find in other RE/MAX franchises.

technology RE/MAX Professionals is the leader in real estate technology services with consumer and agent mobile services. Our state-of-the-art and exclusive web marketing and syndication system at www.homesbythepros.com attracts over 800,000 page views per month.

local knowledge | national strength RE/MAX Professionals agents are experts of the local Denver real estate market and are THE experts in their individual service areas. Our affiliation with nearly 100,000 RE/MAX Brokers worldwide gives your home an aggressive exposure that no other firm can offer.

community outreach RE/MAX Professionals is actively engaged in giving back to the community by supporting Professionals Miracles Foundation, Childrenâ&#x20AC;&#x2122;s Miracle Network Hospitals, Habitat for Humanity, Susan G. Komen Foundation, and K-9 Companions.

Core Values Bringing Values To The Lives We Touch And The Communities We Serve team The power of â&#x20AC;&#x2DC;oneâ&#x20AC;&#x2122; results in a powerful team. Teamwork is expected at every level of our company.

believe We believe in people who believe in themselves. We believe in people who want to grow personally and professionally.

passion We have a passion for integrity, fairness and excellence. We succeed when we surpass our expectations.

attract We strive to attract the best agents and staff. We provide our Realtors and clients the right technology, tools, services and marketing advantages to help them meet their goals.

culture We believe in an environment of mutual respect and courtesy. We provide an environment of support and training.

trust We trust our leadership to make decisions that are best for every level of our company.

There are three critical factors to consider when marketing and listing your home. RE/MAX Professionals are masters in all three:

The Marketing and Sale of Your Home

The Role of the Real Estate Community

Getting You the Highest Realistic Price

My Role As Your Marketing Professional

REALTOR® The term “REALTOR®” is a registered collective membership mark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION OF REALTORS® and abides by its strict Code of Ethics. One of the most important choices you can make in selling your home is your decision to obtain the services of a Realtor®; a professional that markets properties like yours for a living. At RE/MAX Professionals, all of our agents are Realtors®! You have a choice in who represents you…and what your relationship with that person will be.

YOU

SELLER’S AGENT

BUYER’S AGENT

TRANSACTION BROKER

(WHEN SELLING MY LISTING)

My Commitment To You In Representing Your Home

to communicate with you regularly I pride myself on keeping you well-informed about the progress of the sale of you home.

to get you top dollar I’ll focus all of my efforts on obtaining the highest realistic price with the least amount of hurdles, while best representing your financial interests and defending your equity.

to meet your timetable As the saying goes, “timing is everything”. My goal is to exceed your expectations with regard to price, terms, and time.

to provide you with accurate marketing trends Monthly market updates will give you a macro look at the real estate market in the Denver Metro area. You and I will review your sub-market weekly.

RE/MAX is America’s #1 Real Estate Network Thanks to people like you, RE/MAX is the top choice of Americans buying and selling real estate. • Most real estate sold. • Most productive agents. • Most Share of Voice in national TV advertising.* • Most visited real estate franchise website (remax.com).** • Most professional designations earned by agents. • Most countries served, far more than most competitors. *Source: Nielsen Monitor-Plus / A25-54 GRPs Unequivalized for 2012. **Source: Hitwise for full-year 2012. "Real estate franchise" websites identified by RE/MAX.

I wish to be your partner for your home selling and/or buying needs. I will spend time identifying your wants and needs while educating you about today’s real estate market. If you are selling your home, I will work with you to put together a detailed marketing plan so that we can price properly and market to the right buyers. If you are buying a home, I will investigate areas and provide you with everything you need to make a great buying decision. My clients are like family and your relationship will last beyond the closing table.

THE RE/MAX Brand Brings The Most Market Strength

*2012 RE/MAX National TV Advertising campaign made an estimated 1.07 Billion impressions, and reached 85% of our target market. *2012 RE/MAX National Radio Advertising campaign made an estimated 255 Million impressions, and reached 45% of our target market.

Client Testimonials

â&#x20AC;&#x153;Our new home is amazing and everyone is loving it! Thank you so much for working with us to find the perfect house. We will gladly send any referrals we have your way! Thank you again.â&#x20AC;? ~Missy and Don S. "Joey was and is a pleasure to work with. He was very helpful and considerate in every step of the process. Joey made the selling of our old house and purchase of our new one easier and less scary. We will recommend him to all we know!!" ~Jen & Tige A. "Joey helped me feel comfortable with my first purchase, they also walked me through some unavoidable problems. Without them I would have gone back to renting when they appeared." ~Amber R.

Capturing Buyers Brand and Marketing the best yard signs RE/MAX is a the most recognizable brand name in real estate, locally and nationally. Our easily recognized signs, featuring the RE/MAX balloon, will direct traffic to your home.

internet and online exposure Home buyers use the Internet more than any other media to search for homes. Your listing is immediately syndicated and enhanced on some of the most heavily-trafficked real estate Web sites The RE/MAX Professionals Web site, www.homesbythepros.com is a map-based property search engine. REMAX.com is the most visited brokerage site on the Web. Your home will also be listed on Realtor.com as a showcase listing with a virtual tour.

other brokerage firms in our area We market your home to our local professionals via our intra net and sales meetings. We also aggressively market to other brokerage firms, and facilitate their agents' ability to show your home. We maximize their awareness of your home through open houses, email distributions, special feature flyer distributions, neighborhood canvassing, online displays, broker marketing sessions and well placed advertisements.

advantage advertising RE/MAX Professionals advertises an exclusive collection of traditional and luxury homes that drives buyers to us. Mass publications are distributed in the Sunday paper for maximum viewing and positioning of your home. Coupled with local advertising mediums that tie into our online exposure, we create a photo-centric scheme to draw the most buyers to your home.

Technology Internet Exposure & Web Syndication When you list your home with me, it gets entered into our proprietary intranet system. It then gets preferred placement on the homebythepros.com property search site in Denver;

www.homesbythepros.com

Your home will also be featured on REMAX.com, one of the most heavily-used real estate Web sites; 2012 AVERAGE MONTHLY UNIQUE VISITORS IN REMAX.COM: 3,032,956 2012 AVERAGE MONTHLY LISTING VIEWS IN REMAX.COM: 1,673,518

Technology Internet Exposure & Web Syndication In addition, your home will also be syndicated to these prominent web locations:

Home buyers use the internet more than any other media to search for homes; 90% of home buyers reported using the internet for their search. Ninety-one percent of home buyers who used the Internet to search for homes purchased their home through an agent. 76% of home buyers who found a property of interest online drove by the home, while 62% walked through a home they had viewed online. 84% of home buyers found photos very useful on websites. 79% of buyers found detailed information about the property very useful when searching for a home. 45% found virtual tours very useful and 41% found interactive maps very useful. *Source of all data is NAR profile of Homebuyers and Sellers

Local Knowledge Answers To Help You Decide

When interviewing others, ask questions! What is their mission statement? Do they have a team, or is it just one agent? Will other agents help sell the property, and if so what is the per agent productivity of that team? Are they equipped with in house mortgage and title? Who will all the sign and advertising calls go to? Who handles the listing destiny as far as marketing and promotion? Do they have their own Design Team? Does a portion of their sale go to charity? Do they have an in-house university? Are they a top real estate firm when it comes to web searches? Are their listings showcased on the # 1 Real Estate website, Realtor.com? Where does their company stand as far as getting important designations? Are they a profit sharing firm or are they committed solely to your best interests in the transaction? Does their firm help them generate business so that they can spend more of their day working on your listing? Do they have access to a Peak Performance Center or Virtual Business Center for ease of accessing other experts and marketing information? Are they spending more than $1 billion a year to remain first and foremost in the minds of consumers so that they are more likely to capture the interested buyer on your home?

Community Outreach Giving Back RE/MAX Professionals and Professionals Miracles Foundation have contributed on average $125,000 annually to Denver metro families to help improve the lives of children diagnosed with a Iife threatening illness, faced with a lifetime medical condition or are involved in tragic accidents. A portion of each closing I execute goes to Professionals Miracles Foundation and Children's Miracle Network. The money I raise goes to our local Children 's Hospital and children in need.

www.professionalsmiraclesfoundation.com

Enhanced Marketing Giving you an Edge in Positioning Your Home

Free Interior Design/Staging Consultation Free Virtual Tour Just Listed Postcard 1000 Prospective Buyers Free Home Measurement by Appraiser Free Denver Post Advertising (Buyers Guide) Full Color Brochures Realtor.com Enhanced Listing Handyman Service Quality Contractors

Enhanced Marketing Giving you an Edge in Positioning Your Home

Douglas County Newspress, Denver Post Gallery, Columbine Courier, and Online Buyer's Guide

Enhanced Marketing Giving you an Edge in Positioning Your Home

Showcase℠ Listing Enhancements I will enhance your listings on the top websites, including realtor.com®, with the features buyers want most Featured Homes℠ Your home will have premium positioning on the most engaging real estate site,1 realtor.com® Mobile Reach Your property will appear on the realtor.com® mobile apps so mobile consumers can find your home Facebook Application I will display your property on my social media sites such as Facebook and Twitter

Enhanced Marketing Giving you an Edge in Positioning Your Home Realtor.com® is the industry’s most engaging real estate search site.* Realtor.com® tracking report shows how many buyers are looking at your home.

Listing Your Home Getting you the highest realistic price How does the market calculate value? • Amount your neighbor's house sold for • Number of bank owned properties in the area • Time of year • Number of homes for sale in the area • Interest rates • Number of home buyers shopping right now

Price Time Condition

The three most critical factors to consider to maximize your proceeds from the sale are PRICE, TIME, & CONDITION. To balance these, my experience, and RE/MAX Professionals' experience in the Denver market give you: • Current data to understand relevant market trends happening right now • Negotiation via pricing strategies with interested buyers, so you get the highest realistic selling price • Creation of an image to highlight the aspects of your home your competition doesn't have

Comparable Homes to

6609 South Himalaya Way

Active Pending Sold

The Selling Process Events and Timing for a Typical Residential Sale My job, as your REALTOR®, is to see to it that these steps are completed as efficiently and effectively as possible. During this time as your Agent, I will act as your advisor and representative. If you have any questions about anything, don’t hesitate to contact me. Contract dates and deadlines must be adhered to, and I will assure that we meet our obligations from the seller side. I will also be in communication with the buyer agent to ensure that they are adhering to their agreements and deadlines 1. Initial Counseling Session: 1-2 hours 2. Staging Consultation, Measuring, Photos, and preliminary inspecting sale property: 1-2 hours 3. Develop marketing plan for property: 1-2 hours 4. Sales & marketing of property (including Open Houses, Showing Property to Potential Buyers, Multiple Listing Service, Internet): 120+/- days 5. Negotiating offer with Buyer to fully executed contract status: 1-5 days 6. Bringing the contract to closing with Buyers: usually takes from 1-6 weeks 7. During this time, the following events usually take place: a. b. c. d. e. f. g.

Loan application, qualification, verification and commitment Title analyzed and title insurance commitment obtained HOA documents provided and analyzed (if applicable) Professional Inspection completed and, if necessary, repairs Improvement Location Certificate or Survey completed by Surveyor Property appraised Confirming that loan commitment deadline has been met

8. Closing! Buyer exchanges cash (usually down payment via wire or cashier’s check plus loan proceeds) for Seller’s warranty deed: about 1 – 1 ½ hours

Seller Responsibilities Expectations •

Complete Seller’s Property Disclosure, lead based paint disclosure (if 1979 or older), square footage disclosure, mold disclosure, source of water disclosure, and affiliated business disclosure.

•

Inclusions and Exclusions for the sale of your home.

•

HOA information and Bylaws, CC&R’s if possible.

•

Inform me of contact phone numbers and email addresses when you will be away from home for more than 24 hours.

•

Leave home when REALTOR® arrives and rings your doorbell: this allows the prospective Buyer the time needed to discover your home and become comfortable with making comments to their agent.

•

Seriously consider purchasing a Home Warranty (about $375). This will cover you during the listing period and the Buyer during the first year of their ownership.

•

Inform me of preferred method by which you wish to receive feedback/communication: phone (best times), email.

•

Contracts will be presented immediately: Be ready to make a decision!

Showing Your Home Making a Great Impression Before your house is being shown Tag or remove items not included in sale (i.e. water softener, garage refrigerator, chandeliers, plants, drapes, washer/dryer, etc.). Open shades and curtains to let in light Turn on enough lights so home is well-lit during showing. At night, turn on porch light and outdoor lighting. Tidy all the rooms. Neatness makes a room easier to view. Clean dirty dishes in the sink and clear all countertops except for one item for every 3-4 feet of counter space. Keep toys in the children's rooms. Put away items in the yard such as bicycles, gardening tools and skateboards. Make the beds and remove all clothing, shoes, etc., from floors and doorways While your house is being shown Leave while the property is being shown. Let the real estate expert show your house. Answer questions candidly when asked, but avoid questioning potential buyers. Refer inquiries from others about seeing your house to your Realtor to take advantage of the agent's professional skills in selling your home. Don't mention items you wish to dispose of unless asked. Leave when your agent is holding an open house. Keep pets outdoors or in one area. Keep radio, stereo or TV on low volume. Keep money and other valuable items out of sight.

Contract Negotiation Here's What to Expect When an offer is presented on your home, you will have three basic choices in deciding how to respond. 1. Accept the offer. 2. Reject the offer. 3. Make a counter offer (called a â&#x20AC;&#x153;counterproposalâ&#x20AC;?). Together, we will thoroughly analyze the offer and discuss its strengths and weaknesses. After studying the entire contract, I will give you my recommendation, and then you will decide how to respond. This is where a professional, competent agent can be worth their weight in gold, because having the right wording or contingency clause in the contract can mean the difference between a smooth transaction and a messy court battle. Being extremely familiar with real estate contracts, I know how to protect your best interests. My experience in contract negotiation will benefit you.

Offer Accepted Under Contract, Now What? Congratulations, your home is under contract! Now what do you do? The good news is, not much! As your agent, it is my job to coordinate with you, the buyer’s agent, lender, and the title company in order to make sure the sale of your home is as easy for you as possible. Of course, life is always easier when you are prepared, so here is a list of things to expect prior to closing. Pay Close Attention to the Calendar Your purchase contract is laden with contingency expiration dates. Make sure you are aware of the buyer’s financing contingency and option period. As your agent, I will make you aware of these deadlines and of anything that needs to take place prior to a certain date. Be Prepared for the Inspection It’s typical for buyers to perform an inspection and negotiate repairs during the contract’s option period. The inspector will schedule a time to complete the inspection thru the showing service. As with showings, it’s best if you are not present during the inspection. Please make sure the inspector is able to access all parts of your home (no locked doors, etc.) and that all of the utilities are turned on and working prior to the inspection. Repairs If any repairs have been negotiated with the buyer, it is your responsibility to have the repairs completed by licensed service providers. I can provide you with a list of providers to handle any necessary repairs. Make sure you get a receipt from each provider detailing the work performed as the buyer will want to see a copy of all receipts prior to closing. Appraisal The buyer’s lender will schedule an appraisal on your property. If the appraiser needs to access your home in order to complete the appraisal they will schedule an appointment thru the showing service. I will contact the buyer’s agent and/or lender to confirm that the appraisal has been completed and that the value is sufficient for the lender and notify you if there is a problem. Continued on next page….

Offer Accepted (cont'd) Under Contract, Now What? Moving Out The sales contract requires the home be turned over to the buyer in the same condition it was in when the contract was accepted. Be careful when moving out to not damage the property. Once all of your items have been removed give the house a good “once over”. Does it need sweeping? Do nail holes need to be filled? Are there other small items that you should take care of? Think about what condition you expect your new home to be in when you move in and make sure your home is in the same condition after you move out. Final Walk-Thru Once you have moved out, the buyer will schedule a “final walk thru” to check the status of agreed upon repairs. Make sure the house looks great prior to the buyer’s final walk thru! Closing 24-48 hours prior to closing (depending on when the title company receives the closing instructions from the buyer’s lender), the title company will send you a HUD-1 Settlement Statement detailing all of the financial aspects of the transaction. We will review this document together to make sure everything is accurate. The HUD-1 will tell you the exact amount of the proceeds you will receive from the sale and/or the amount of money you need to bring to closing. Don’t Forget The buyer will need house keys, garage door openers, mailbox keys, security fobs, and etc.! You can either bring all of these with you to closing, or bring a key to closing and leave the remaining items at the house for the new owner.

What to Expect at Closing Closing Day Settlement is a brief process where all of the necessary paperwork needed to complete the transaction is signed. Closing is typically held in an office setting, generally with both buyer and seller at the same table. The buyer will two sets of papers, one set for their loan, and the other for the sale and title transfer. The seller may elect to arrive Â˝ hour after the buyer as they do not need to be present for the signing of the loan papers. The result of closing is that title to the property is transferred from seller to buyer. The buyer receives the keys and the seller receives payment for the home. From the amount credited to the seller, the closing agent subtracts money to pay off the existing mortgage and other transaction costs. Deeds, loan papers, and other documents are prepared, signed and filed with local property record offices. I will be there with you! I personally attend ALL of my closings!