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locale: en_US
type: website
title: Home - NYC's #1 Source For Real Estate Closings
description: Whether you live in the five boroughs or the surrounding counties, we provide the best real estate closing lawyer services in New York.
url: http://realestateclosingslawyer.com/
site_name: NYC's #1 Source For Real Estate Closings
image: http://realestateclosingslawyer.com/wp-content/uploads/2015/06/Cover-photo-mix.jpg
image:width: 1240
image:height: 337

• <H3> We Simplify The Closing Process For You
• <H2> CALL TODAY: (917) 567-1963
• <H1> 
• <H3> New York Real Estate Closing Lawyer
• <H3> Do You Need A Lawyer For A Real Estate Closing?
• <H3> What Can Richard F. Rozhik Provide For You?
• <H2> THE 12 STEPS TO REAL ESTATE CLOSING TRANSACTIONS
• <H5> Open An Escrow Account Title Search & Insurance Find Your Lawyer Negotiate Closing Costs
• <H5> Home Inspection Pest Inspection Renegotiate Offer  Get Your Interest Rate
• <H5> Abolish Contingencies Funding The Escrow Final Walkthrough Finalize Documents
• <H5> Preliminary Closing Procedure
• <H5> Information about the costs associated with the closing on your new home should be given to you before a contract on a house is established. Normally, people seek out a mortgage or loan to purchase their property. Your lender has three days from the time the loan application is submitted to provide you with what is called a "Good Faith Estimate" on your loan. This is a overview of all of your costs so there are no surprises about what will come out of your pocket. Once this preliminary step is complete, the actual closing process begins. Keep in mind to be aware of various residential and commercial real estate issues that may arise during the preliminary stage. Also, if a trust is involved with the property, certain information about trusts and real estate are important to be aware of. 
• <H5> Open An Escrow Account 
• <H5> This is an account which is held by a neutral party, not the buyer or seller. Why? During a real estate transaction, so much is happening and the best way to avoid funds from magically disappearing is by having a neutral third party maintain all of the funds in an escrow account. Crucial documents of the property are also held in this account.
• <H5> Title Search and Title Insurance
• <H5> This process ensures that if there is a lien on the house, or if someone has a claim on the property, you are issued insurance for the piece of real estate in case someone files a claim against you. The title search usually goes back several years. The further it can go back, the better. We have found that more then 1/3rd of title searches show issues with the title be it a claim or a lien. Other possible title problems include errors or omissions in the deeds, mistakes in the examination of records, possible forgery and fraud,  and undisclosed heirs. The property may have been disputed at some point prior to your arrival. By getting the appropriate title insurance, you are protecting yourself from any unwanted distractions.
• <H5> Find Your Lawyer
• <H5> This step is optional but we highly recommend you call Richard F. Rozhik, Esq., before you even begin to consider buying or selling a property. Closing documents can be hard to understand for a non-expert. We aren't saying it is impossible to figure out, but it certainly isn't easy. Hire the right attorney to help you walkthrough each form presented to you so you have a good handle on everything that is happening.
• <H5> Negotiate Closing Costs
• <H5> Fees, fees, and more fees. That's what you will be seeing if you don't have the right attorney with you calling out all the various parties involved during the closing process. There are many administrative fees and application review fees that are simply not necessary. In the industry, we call this junk fees. Richard F. Rohzik, Esq., can spot a junk fee immediately and make sure it does not get included into the bottom line.
• <H5> Home Inspection
• <H5> Please do not skip this step. It is optional but in our humble expert opinion, the home inspection is completely necessary. This is where you inspect the home or property (preferably with a specialist) to make sure the home is in good condition. Any damages or possible repairs that you see can be negotiated to be covered by the seller. If the damage is extreme, you can simply back out of the deal at this point.
• <H5> Pest Inspection
• <H5> This is different from a home inspection. This step usually involves an examination of the house for termites. At times the seller is willing to pay for the removal of pests. Again, if damage is bad, you can simply back out of the deal. Neither you or I know how to find termites, which is why we have the perfect company on standby to help with this inspection. Richard F. Rozhik, Esq., doesn't just provide you with your legal real estate needs, he also has you covered for all of the peripheral personnel associated with purchasing or selling property.
• <H5> Renegotiate Offer
• <H5> After the inspections, this is where you can decide to talk with the seller on adjusting the price. Maybe the foundation was aligned improperly, or the second floor of the home has housed a small family of termites, whatever the case may be, you can let the seller know now what your new price range is on the real estate. Also, the home in question may have tenants living in it already. This too can pose certain unexpected issues for the buyer. This is the perfect time to address all of the new developments that have arisen this late into the process.
• <H5> Get Your Interest Rate
• <H5> Locking in your interest rate is important. Interest rates are volatile so find a position that you are comfortable with. A good lender will usually keep an eye out on interest rates closely for you. Be aware rates also vary by on credit scores, regions, and the type of loan that you are looking to acquire. 
• <H5> Abolish Contingencies
• <H5> Within a purchase offer, certain contingencies are stated in which your offer is dependent on such as the home inspection results and whether or not you will be able to get proper financing. These contingencies must be abolished and removed in writing by a specified date for your deal to be finalized.
• <H5> Funding The Escrow
• <H5> When you initially entered into the closing process, you deposited money into the escrow account to show the seller you were serious about buying the property. In most cases, the entire downpayment and additional closing costs are not fully deposited in step 1 of this process. This is usually the time where you deposit the difference which is owed to complete the closing process.
• <H5> Final Walkthrough
• <H5> Yes, we already examined the property an at earlier point and went through a few inspections. My question is, how long ago was that? Days, weeks, months? It is a good idea to walkthrough your property one more time to make sure everything is sound and no additional damages have occurred since your last visit.
• <H5> Finalize Documents
• <H5> I hope your a good reader. At this time, you will be reading around 100 pages of legal jargon found in your closing papers. No need to get an anxiety attack, this is why you hired Richard F. Rozhik, Esq., in the first place. He will examine the documentation for you and let you know of any abnormalities in the papers prior to you signing anything. 
• <H2> Meet Your Attorney
• <H2> Contact Us Today
• <H2> WHAT WE DO
• <H2> WHO WE ARE
• <H2> Contact Us

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