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BBT ONLINE MANAGE DEBIT CARDS PLUS

Your agent should guide you through the contract step-by-step. There are many things to consider, such as how badly you want this particular house, whether it is a buyer’s or seller’s market and an assessment of the seller’s motivation to get the property sold.īe sure to document in writing everything you want included with the house, such as appliances, etc. Work with your agent on your negotiation strategy.

BBT ONLINE MANAGE DEBIT CARDS PLUS

If you are asking for the seller to pay some of the closing costs, remember that this cost plus the sales commission determines the net amount you are offering the seller for the house. The best comparisons will come from the same neighborhood. Your agent should do a market analysis that pulls data on recently sold comparable houses. When writing an offer contract, be sure to pay attention to all of the details. Remember, the listing agent works for the seller only the selling agent (buyer’s agent) has your best interest in mind. Now that you’ve found the house, work with your agent to make an offer. Don’t forget to ask about our first-time homebuyer offer. If you’re ready to talk to a loan officer, contact Arthur State Bank to request personalized mortgage information today. To start planning your journey to your dream home, try out our mortgage calculator. We also offer mortgage specials for first-time homebuyers. However, if you jumped ahead early in your journey, just circle back to address the steps you missed.Īrthur State Bank’s loan officers are closely tapped into local real estate markets and experts at helping clients get what they need on terms that work for them. The best practice is to go through the homebuyer’s roadmap in this sequence.

Checkbook, just in case there are any additional items that were not on the closing statement.

Cashier’s check or proof of payment for wire transfer.

Everyone signing for the mortgage must be present to sign the closing paperwork. In South Carolina, the closing will usually take place at the attorney’s office. If you are asked to use a wire transfer, call the office and ask to speak to someone you have been working with to double-check the instructions. Closing funds have become recent targets for cybercriminals. The closing office will provide specific payment instructions.

The final amount in the buyer’s column shows you the amount of money you need to pay at closing.

Review the closing statement for accuracy prior to coming to closing.All closing charges and credits for both the seller and the buyer are documented in the closing statement. The final Closing Disclosure shows a column for the seller and a column for the buyer. You should receive your final Closing Disclosure from the closing agency.Turn on utilities in your name, effective the closing date.Homeowner’s insurance is required by the lender prior to closing on the loan.Restrictions and overdraft charges may apply with a West Alabama Bank debit card.As you prepare for closing day, you will need to take care of several items. To activate your new card or reset your PIN, call 1-80. Report a lost or stolen debit card immediately! Call or notify WAB at 20 during business hours or call 1-80 anytime.Compatible with Apple Pay on your iPhone® 6 or later or Apple Watch™ 5 or 6 using the Passbook application running on iOS 8.1 or later.All applicants must have a checking account in good standing with West Alabama Bank. Your debit card doubles as an ATM card too, giving you 24-hour access to your funds.

The funds are taken directly out of your checking account, eliminating check-writing and identification hassles. Use it to make purchases wherever MasterCard is accepted. Our MasterCard debit card works like a check, only better.