All Forum Posts by: Diana Robayo

When you say signing the loan docs are you referring to the actual closing or just to sign off on the disclosure? Reason I suspect it's not the closing is because that normally would not be on a Sunday. At least not in Wisconsin.

Who asked you? I assume you don't have an agent and worked directly with the builder? The next best person to ask questions is your loan officer to explain what's going on.

Generally you should complete your final walk through with the builder, make sure all your punch list items (often small defects, paint damages etc) have been completed. Then you should get a builder orientation, most builders I work with have an online portal you can use to report issue you find after moving in (that's very typical) and walk you through the warranty policy plus show you how to "operate" your home (HVAC, smart home features, garage door openers, keys, codes etc).

I have never seen a builder here in Milwaukee that would ask you to close before completing the above. Especially the larger builders are very process driven and will not skip this. And if it is a small builder, you definitely want check everything, because you don't know if they will be around to address warranty issues! In that case I would recommend pay a home inspector to come with you for the final walk through, even risking the push back from the builder in case you signed an offer without an inspection. 

Last resort is call a strong agent in your area and offer to pay them for helping you through this; you want someone local who is familiar with what's normal - which I am not.

@Diana Robayo

I would not sign until you have performed all your inspections

Do not sign your final docs until you have done your walk-through! What if something huge is wrong or missing? You'll be SOL because you have given your approval already....

@Diana Robayo, you need an inspection performed during due diligence. The buyer walkthrough a day or two before closing is not when an inspection should be conducted. New builds still need to be inspected in my opinion. Hope this helps! Feel free to reach out if you have any additional questions.