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hotncguy18 | Can you move furniture in the basement of a house your buying a week before closing? |
My wife and I bought a home under foreclosure and was wondering if you think a bank who owns it would let us move some furniture in the basement a week before it closes? Any ideas? |
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C_M
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Have your agent create a document called a "decorators agreement." It simply states that you will not occupy the premises until the date of settlement but it will allow you to move your belonging into the property. You will have to switch all the utilities to your name though and you assume all liability of the property. Should any damage occur it will be at your expense. This document also states that should settlement not occur, you must return the home to the seller in the original condition and you get back all belongings. You also do your final walk-thru (inspection) of the property when you execute this document. Your agent will advise you that the bank does not have to sign this document or allow you the privilege of storing your belongings on the property but most won't have a problem as long as your home owners insurance is in place. Hope this helps. |
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chmar11
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Probably not but there is only one way of knowing and that
is to ask them. They may not mind. |
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M L
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You probably can, but like many others noted, I wouldn't recommend it. For the person who did all the painting, if the deal hadn't gone through she would not have been able to be compensated for the work or money she spent to upgrade someone else's home. I have seen that happen before. She got lucky, but for one week I don't know if I would take the risk to lose your furniture. You never know what can go wrong with a closing. Even if it is just delayed you may have problems. |
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John Corey
 |
The present owner should say no as they will not want to be responsible for storing your stuff. If you fail to close then they have a tenant issue (you and your stuff).
You should opt for private storage that you control and which you know is secure. |
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le_roche
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They probably won't. The deal hasn't closed, they don't have their money and they would be liable for any damage to whatever you store if they allowed you to move your furnishings prior to closing. Most credible Realtors won't allow occupancy of any kind (you or your furniture) before closing because of the liability it places on their clients.
Your Realtor can inquire with theirs, but don't be disappointed if they decline. |
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Atticus Finch
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Until the time of closing you do not have a right to control the premises. The bank, however, has full access. It is also possible that they have not changed the locks from the former owners, who may still have access.
If someone damages your furniture, you are at risk, and no one else. If someone is injured, you could be liable.
That said, it is not uncommon to move things in early. If you do this, you should have a clear written understanding of the various rights and responsibilities of each of the parties. Check to see who has access from the bank or any other parties. Don't move anything small and portable and valuable. |
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girlwhoknowsitstrue
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If you move furniture in and it's stolen, damaged, destroyed, you and not the bank are responsible. And you won't have homeowners insurance to cover it because you don't own the house. However, most banks feel somewhat responsible, so will not let you move your stuff in before hand to protect themselves from liability. |
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bookfreak2day
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I wouldn't. If the deal falls through you could lose the furniture. |
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wizjp
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Call them; if no one is living there and you are carrying the insurance in case of fire or damage, there shouldn't be an issue; no insurance, maybe a problem |
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yourstruly_76
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Some sellers will allow you to take early occupancy. You would have to ask them or if there are realtors involved and you haven't been speaking with the seller you could have your realtor pass the question on to theirs. How sure are you that you will be able to close the loan? That is the major factor. It wouldn't be much fun to move all of your stuff there and then not be able to buy the home. |
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body
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i think u can find help in
http://www.gadwood.com/index1.html
i hope this can help |
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smiling_freds_biz_info
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I'd wait til I had full control of premises. |
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cldjmgclgjsg
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Hello,
YES you can IF you get an early access to the house from the home owner....I bought my house and closed on it on Feb 28th but I was able to go in and paint and fix up what I wanted as well as start moving in on the 8th of Feb. But If something were to go wrong with the purchase, Then you need to get everything out as soon as possible, also, you must do a COMPLETE walk through before moving in anything, the reason for doing this is so that if you move in one piece ans notice any damage, they will say you did it. check all electrical outlets, lights, locks, windows etc.....
Hope this helps,
Crystal |
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