Real Estate Agent (appointed, HOA, loan)

[sonia1]

We are closing on our first home at the end of the week and our agent tells us yesterday that she will be on trip at that time. She has appointed another lady to be with us at closing. is this legal? also what is our recourse incase anything goes wrong on that day of closing!
would appreciate any advice on the above.

[stmaarten]

Originally Posted by sonia1

We are closing on our first home at the end of the week and our agent tells us yesterday that she will be on trip at that time. She has appointed another lady to be with us at closing. is this legal? also what is our recourse incase anything goes wrong on that day of closing!
would appreciate any advice on the above.

Oh, I think it's done all the time. There are many agents, who help eachother out and tag-team at closings. It happens. What if an agent gets sick, or has some other type of emergency, for instance? You can't expect to cancel an entire closing, change all of the dates on the paperwork when an emergency arises. In fact, at one of our closings the attorney couldn't be there, so someone else stepped in for him.
Your attorney should have taken care of all of the legal aspects for the closing, so what could possibly go wrong?
(...famous last words.)
No, seriously, don't worry. You'll be fine.

[pink caddy]

The fact of the matter is the agent has n othing to do there other than pick-up their commision check.They have no say in the legal aspects of the closing.

[wfpineda]

Originally Posted by johne482

The fact of the matter is the agent has n othing to do there other than pick-up their commision check.They have no say in the legal aspects of the closing.

True. My agent was late and most of the paperwork had already been finished. He came in, arranged to get his check and left.

By the time you are ready to close, there is not much that your agent can really do for you anyways.

[Keith "Baby-Face" Lutz]

Some "top agents" in big firms, pass you off to a "Closing specialist"! I would not worry about it. But that is not my "motus operandi".

[KeyBroker]

Usually the agent has double checked the important paperwork (like the HUD statement) before getting to the closing table. That's really the only thing paperwork-wise that they worry about. The loan docs and all are done by the lender and if there's a mistake on those, the attorney just has to contact them. By this point, the agent is there for moral support and to share in the excitement of buying/selling your home; and to answer any last minute questions. I know some agents that don't attend closings period and I think that's rude but for a vacation or something else that can't be changed easily, there's nothing wrong with another agent filling in! Best of luck with your new home!

[sonia1]

Thank u all for you replies.
What really makes me mad is that our agent is made plans for this trip eventhough she knew of our closing date a month and a half before. She is also leaving almost 2 days before the closing date so she won't be here to go over the HUD statement with us. Already i see from the lawyer's office (which she recommended) fees like email pkg fee and HOA transfer fee and courier's fees tagged on which we all know is a big con. What can i do about these.

[Charlottean]

Those are all pretty standard fees.