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When you close on a home, you’re sealing the deal with all of the agreements that you have made with the seller and your lender over the course of the home buying process. Since most people don’t pay cash for a home, your loan will also close at the same time as the ownership changes. If you are paying cash, the process may be slightly different. Closings can also be called “settlements” since everything is being signed and sealed at this time, essentially, “settling” the deal.
Have Your Checkbook Ready
The closing is where documents are exchanged, the keys are passed on, and all of the funds required to complete the transaction are paid. Closing costs include the down payment that you’re putting on the home, lawyer’s fees, taxes, commissions, assessments, and more. The seller may be writing a check too, paying off the old loan to their former home. You’ll need to verify the amount that needs to be paid at closing clearly before you reach the closing table. The money must be presented at the time of closing in order for the deed to be handed over.
Get A File Folder And Stretch Your Writing Hand
The settlement on a home requires quite a bit of paperwork. You’ll be handed a stack of papers to sign. Take the time to listen to your lawyer or realtor to understand exactly what you’re signing. There’s more papers to sign than you really can imagine! Finally, you’ll be handed copies of all the papers that you put your signature on. It’s important to keep everything for your records. These documents will include everything from proof of insurance to the deed on the property to your loan terms and documentation.
Where Will The Closing Be?
Depending on where you live, your closing will take place in either the lender’s office or the office of a lawyer who is representing the closing. Typically, it will be the loan company’s attorney who holds the event in this case. In some cases, closings can be what is known as “witness only.” This means that a notary or attorney will be present at the chosen closing location to provide documents. The drawback to this type of transaction is that nothing that you’re signing will be explained to you.
What Happens Following Closing?
When all the I’s are dotted and the T’s are crossed, congratulations! You’re the proud owner of a new property. Unless there has been a prior agreement made with the seller, you’ll be able to take possession of the property right away. Occasionally, there will be some post-closing agreements that involve transactions due to a repair that couldn’t be made or reimbursements for real estate property taxes that were paid on the part of the seller. Ideally, this will all be taken care of at the closing table, but at times other arrangements must be made.
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With more and more people abandoning cable television in favor of streaming services like Netflix, Hulu, and HBO Go, having a reliable internet connection is more important than ever. However, as much as technology has improved in recent years, many people across the nation still have poor WiFi reception in their homes.
There are ways to improve your home WiFi reception that you may not be aware of. There are also many common mistakes that homeowners make in setting up their routers that might cause them connectivity and reception issues.
In this article, we’ll talk about some of the reasons your home WiFi might not be performing as well as you’d like, and how to address those problems so you can stream and download at higher rates with better quality.
Testing your internet speed
Before we start diagnosing your internet problems, it’s a good idea to find out how your reception compares to others in your area. While there are a few good online resources to do this, one of the most respected tools is the free Speedtest by Ookla.
You can take this speed test on your laptop, desktop, cell phone, and any other decides that you connect to your router. You can also move your devices to different parts of the home to determine if your issue is a matter of reach.
If all of your devices perform poorly, try plugging your computer directly into your cable modem and taking the speed test. This will help you determine if your router is possibly malfunctioning.
Update firmware and devices
If you have an older router, it may need to be updated. To do this, you’ll need to login to your router’s administrator interface. Find out how to do this by visiting the router manufacturer’s website.
Once you’ve ensured that your device is updated, it’s a good idea to diagnose your devices. If you have one device that is performing worse than others, you may have to do software updates or maintenance to that device.
Change the placement of your router
Sometimes poor WiFi reception is simply a matter of the location of your router. Wireless routers should be elevated off of the ground and away from any large appliances that may interfere with reception.
Change your router channel
Just like radios, routers work on wireless frequencies or “channels.” This means that they can sometimes interfere with one another. If possible, switching your router to the 5GHz band can improve your connection and limit the amount of interference from other routers. Then, experiment with different channels to determine which one gives you the best reception.
Upgrade your hardware
If none of those quick fixes did the job, you might need to consider upgrading your wireless hardware. This includes purchasing a newer router, a range extender, or a mesh router system. Since newer homes tend to be larger, a mesh router system is a way to ensure coverage throughout your home via multiple access points.