James Kaklamanos Attorney
Law Office of James Kaklamanos
NH attorneys
NH business lawyers
374 Main St. Nashua, NH 03060
Email: jk@jk9.com
Telephone: 603.595.0999
Facsimile: .603.595.9899

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Refinance Checklist
  • Attendance: It is imperative that all parties attend the closing. If this presents a problem, please notify us immediately.
  • Homeowners Insurance: You will need to contact your insurance agent to be sure that the lender is named as the lien-holder in the exact manner as indicated in the mortgagee clause of your commitment letter. We will need a copy of this binder and a receipt provided to us at least two (2) weeks prior to closing. The receipt must show the amount of your annual premium, and the period it covers.
  • Condominium Certificate of Insurance: If the property is a condominium, you will need to obtain the insurance statement from the condominium association. Your lender should be named as the lien-holder in the exact manner as indicated in the mortgagee clause of your commitment letter.
  • Condominium Lien Release: If the property is a condominium, you will need to contact a statement from the condominium association indicating that all condo fees and assessments are paid to date.
  • Mobile Homes: If the property is a mobile home, you will need to contact the park owner to obtain a statement that the park rent fees are paid to date.
  • Mortgage Payoff Information: You need to provide us with the lender names, loan numbers, and telephone numbers for all the current mortgages on your property. You will need to freeze any home equity accounts, and provide written authorization for us to obtain the payoff statement(s). We need this information as soon as possible in the process, as many lenders now require significant advance writing notice for payoff information.
  • Tax Bill: Please fax us the most recent tax bill for the property. If it is unpaid, the lender may require us to pay it at closing. If it has been paid prior to closing, we will need a paid receipt from the tax office.
  • Photo Identification: Each borrower needs to bring a valid driver’s license (or photo identification) to the closing for notary purposes.
  • Certified or Cashier’s Check: The check should be payable to our office in an amount we will provide prior to closing. If this closing is a cash-out refinance, there may be no check required. We will be able to determine this only when the final figures are completed.

Buyer's Checklist lSeller's Checklist l Refinance Checklist
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