Representing Buyers, Sellers, Executors, and Trustees
Perhaps you’re selling your parents’ home to settle their estate, or looking for a downsized home as part of your retirement plan. Whatever your situation, our real estate attorneys have represented thousands of buyers and sellers in Eastern Connecticut, and we’re ready to help you.
By any measure, your home is one of your largest assets. Whether you are buying, refinancing or selling this asset, it is important to have an experienced attorney represent your interests in the transaction.
At Cipparone & Zaccaro, P.C., we have conducted thousands of real estate closings in the decades we have been in business. We have friendly, dedicated and knowledgeable staff to assist you. We will explain the legal impacts of the numerous documents necessary to close a real estate transaction, and answer any questions you may have about them. If there are any problems or defects discovered in title, we will identify them, and take any necessary corrective action. Our attorneys are RESPA-trained and qualified to keep you up to date on the most recent changes which will affect your transactions.
Our goal is for you to experience a smooth transaction, with few surprises, no acrimony, and your goals achieved. We want you to leave the closing table with a feeling of confidence and security that your interests have been fully protected in a competent manner.
Buyer Services
We will do a number of things on your behalf to complete the purchase of your property. We view our role in your purchase as that of an advisor and counselor. If you have any questions about the transaction, at any time, we encourage you to call us so we can discuss them. Our primary functions will be as follows:
Review the purchase and sale agreement
Review the commitment letter from the lender
Review the Warranty Deed from the seller's Attorney
Review the property transfer tax return
Conduct the title search
Determine if State and Local Permits are required
Prepare the title insurance commitment
Work to resolve any title problems
Attend the closing to explain closing documents to you
Record your deed and other documents
Issue the title insurance policies
Seller Services
We will do a number of things on your behalf to complete the sale of your property. We view our role in your closing as that of an advisor and counselor. If you have any questions about the transaction, at any time, we encourage you to call us so we can discuss them.
We will review the purchase and sale agreement to determine what legal documents are required to close the transaction. We will prepare the documents you must bring to the closing and work with the buyer's attorney if there are questions or concerns about your title.
Some of the typical legal matters you must be concerned with as the seller are the Deed, permits, taxes and title insurance.
Lender Services
- Title searches in every Connecticut County
- Closing services in every Connecticut County
- Fast turnaround time for title reports and commitments
- Evening and weekend closing appointments available
- Title insurance
- Responsiveness and attention to detail
- Competitive rates
This type of insurance protects against problems in the title to your property. It focuses on the past, not the future. It insures you that your interest in the property will be secure as of the time that interest was acquired. For example, in the case of an owner policy, you are insured as of the time of purchase of the property. A mortgagee policy insures the lender as of the time the mortgage is recorded. Because the insurance covers against loss by reason of the existence of a title problem at a particular time, there is only a single premium.
We are licensed by the State of Connecticut to sell title insurance. As agents for both Connecticut Attorneys Title Insurance Company and First American Title Insurance Company, we can issue both a mortgage policy and an owner’s policy for your transaction. We can also prepare the title insurance commitment that may be required by your lender.
