The Lynn Rome Team - Mortgage Planning

Hidden Gotchas That Stall Closings
Avoid these landmines before you list or apply:
• HELOC: Close/freeze or get subordination approved; order payoff letters early.
• Insurance: Update named insureds and the mortgagee clause right away.
• Taxes/HOA: Check tax prorations, HOA transfer fees, resale certificates, and any arrears.
• Title “seasoning”: Know any waiting periods that affect certain refi/buyout options.
• Utilities: Switch names/billing and document hold-harmless language.
• Servicer notes: Get assumption/refi requirements in writing and keep call logs.

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