The process begins when a buyer submits a written offer to purchase the property. Once accepted, the parties enter into a binding contract. A properly structured contract sets the foundation for a smooth transaction.

• Illinois contracts typically include a 5-business-day attorney review period. During this time:
• Attorneys may propose modifications or request repairs
• Buyers complete home inspections
• Inspection issues are negotiated
• Respond to inspection findings strategically
• Negotiate repair credits or seller-paid repairs
• Protect their earnest money
• Prevent small issues from becoming major disputes

If the buyer is obtaining a loan, the lender begins underwriting the mortgage. I work alongside your lender to:

• Monitor financing deadlines
• Ensure the loan commitment is issued on time
• Address appraisal concerns
• Coordinate final closing figures
• Meeting financing contingencies is essential to protecting the buyer’s deposit.

In Illinois, the seller typically provides title insurance.

During this stage:

• A title company conducts a title search
• Any liens, unpaid taxes, or ownership issues are identified
• Required documents are prepared

I carefully review the title commitment to ensure:

• The seller can legally transfer clear title
• All liens are properly resolved
• There are no boundary or easement concerns
• Clear title is essential to protecting your ownership rights

As closing approaches, I:

• Review the Closing Disclosure or ALTA settlement statement
• Verify tax prorations and credits
• Confirm payoff of existing mortgages
• Ensure compliance with Illinois property disclosure laws

My goal is to eliminate last-minute surprises and ensure all numbers are accurate.

In Illinois, real estate closings are typically handled by attorneys and title companies.

At closing:

• Documents are signed
• Funds are transferred
• Title officially changes hands
• The deed and mortgage are recorded
• I attend closing with you, explain every document, and ensure your interests are protected through the final signature.