A purchaser of a home in the state of Connecticut must engage a licensed realtor. A good reputed realtor will have a selection of homes to fit the purchaser’s budget. If the realtor is a member of National association of Realtors or the Connecticut Association of Realtors, the realtor would have sworn by a code of ethics and have access to the MLS or Multi Listing Service, by which member realtors share information about houses available in different locations. The purchaser has a varied choice of houses in different locations.. Once the property is located the purchaser makes an offer to the seller in the form of a purchase and sale agreement with the description of the property, stating the price offered, the time schedule for the transaction, mortgage contingency, the inspection contingency and the personal property to be sold with the house. The seller must disclose in a legally mandated Residential Property Condition Disclosure Report in the State of Connecticut, ownership details, right to use the property and restrictions if any, age of the structure, floods, municipal assessments for laying sewage, if the property is in a special tax district or historical village, structural details, environmental details, radiation and pest infection defects if any. The report should be given by the seller to the buyer before the signing of the binder. Under the Uniform Property Condition Disclosure Act of the State of Connecticut, a sum of $300 can be deducted by the purchaser from the sale price if the report is not filed. Once the seller and the purchaser agree on terms, they will sign the agreement and make it a binding contract.

The purchaser should now engage a house inspection service and title search Company. The purchaser should engage a certified inspector to assess structural defects, pest control, plumbing, heating, ventilation insulation, drainage, lead paint usage, radiation problems, environmental hazards and the condition of garages and other out buildings. This is by way of abundant caution meant to verify the statements made by the seller in the condition disclosure report. The purchaser should hire an attorney, a real estate title company or a trust and title company to scrutinize the title of the property and to check public and court records for possible encumbrances of the title of the property. The American Land Title association has a list of title search professionals for the purchaser’s reference. Encumbrances that affect the title of property in the State of Connecticut are easements and liens. Connecticut laws recognize implied easements of necessity, grant or reservation are possible encumbrances on a property. Other encumbrances are liens on the property arising out of unpaid taxes, construction dues and amounts due under judgments. The purchaser should buy a title insurance to avoid defending possible title claims that were not found by the title search after the date of settlement.

At the closing, the purchaser signs an IOU with the lender Company. Mobile Notary Publics and Notary Publics who specialize in home loan document signing should be engaged at the closing to authenticate and verify the documents. . The website of the American association of Notaries has a notary locator directory to help the purchaser find a notary in Connecticut. However, in the State Of Connecticut Notary Publics are not lawyers and cannot function as such. The purchaser is required to show proof of a one year home owner’s insurance premium payment and a proof of identity at the closure when the deed is signed by both parties and the notary public attests the signatures and the purchase of a home in the State of Connecticut is completed..