 | | | | | | |  | Buyer Tips | Taxes and Hazard Insurance:
Based on the month you close, property taxes will be prorated between you and the seller. You may also be required to pay a full year’s hazard insurance (or homeowner’s insurance) premium in advance. In addition, you may also be required to place funds into a special reserve account (impound account) for taxes and insurance, which is held by the lender. You absolutely must have this to obtain a mortgage.
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| | | | | | |  | Helpful Tips | Packing 101—To Tape or Not To Tape
Fill your refrigerator and washer and dryer with clothes, linens and other light objects. Tape cords underneath all electrical appliances. Don’t tape furniture, doors and drawers, as tape can cause damage; instead, use rope, elastic or long strips of fabric to secure furniture.
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