Closing notes
Plain-English guides to Michigan closings.
Short, useful reads on the parts of a Michigan transaction that trip people up. Transfer tax, title insurance, wire safety, and the numbers behind the line items. Written for buyers, sellers, and the agents who guide them.
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What we're writing about.
01
Buyer basics
First-time Michigan homebuyer guide to closing
The plain-English roadmap. Pre-approval to keys, who pays what, the documents that matter, the calculators you should run, and how to stay safe from wire fraud. The hub piece that ties everything together.
02
Closing day
How to read your Closing Disclosure
Page-by-page walkthrough of the CD buyers get 3 business days before closing. What each section means, what to compare against your Loan Estimate, and what to flag before you sign.
03
Buyer basics
Michigan property taxes, explained for buyers
How Proposal A actually works at closing. SEV vs Taxable Value, the year-two uncapping jump, the PRE, and worked examples at common Southeast Michigan price points.
04
Closing timelines
How long does a Michigan closing take
Realistic timelines by deal type, the six stages every file moves through, where delays actually happen, and what buyers and sellers can do to keep things on track.
05
Wire safety
5 wire fraud questions every buyer should ask their title company
Wire fraud is the largest financial risk in a real estate closing. These are the five questions to ask before sending a single dollar, and the answers that should reassure you.
06
Buyer basics
What is title insurance and why do I need it
The plain-English buyer's guide. What it covers, what it doesn't, the difference between Owner's and Lender's policies, and the two discounts that can lower the premium.
07
Day-of checklist
What to bring to closing day
The exact checklist for buyers and sellers on Michigan closing day. ID, certified funds, insurance, keys, payoffs, plus the wire safety and spousal rules that trip people up.
08
Closing math
Michigan transfer tax, explained
What it is, who pays, exemptions, and exact dollar examples at common Michigan price points. The reference page we wish every seller had read before listing.
Closing on the horizon?
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Same-day order acknowledgment, dedicated closer, and a written commitment with the real numbers. Not estimates.