Kelly Fullick

This is a great question for your lender as I'm assuming you are using a lender and worried about employment verification. I've worked with teachers before that were buying during the summer months while the schools were technically closed. Even though she wasn't "working" she was still considered employed. Re-verification which takes place towards the end of the transaction just needs to reflect that you indeed still have a job however if you are not able to pay bills because of your lack of employment, that would affect the loan approval process with underwriters.

First of all, my heart goes out to you during this time. Losing a parent is a challenge all in itself and then to pile on top of it, you have to figure out and sort through personal belongings and dealing with an extremely emotional process of watching your mothers possessions be sold while you should be grieving. Its important to get as much information of the property as possible. I'd recommend doing a pre-listing inspection and try to locate all permitted work, upgrades, and if any warranties can be transferred to the new owner. Thats where I would start. If your mom is able, you may want to look into setting up a trust. This will keep the home from going into probate. How is the home titled? Sole name? Joint ownership? Any beneficiaries? Summary Property details to gather: Mortgage information with payoff amount. Insurance policy, HOA information, any liens on the property, recent repairs, permits and warranties. Financial account info: bank accounts, life insurance policies, retirement accounts, any debts, safe deposit boxes. Some useful for just you to know. Access for the home: keys, door/garage codes, gate fobs, fobs for amenities in the neighborhood, alarm codes, wifi passwords, utility information of who services the home. If mom passes, you'll need the death certificate as well. If you decide to hire an agent which i highly recommend, the agent can handle helping you locate information through the county portals and knowing where to locate HOA contact information. Additionally you can lean on the agent to have the home sold at market price and helping you declutter personal items while advising you about what to leave to stage the home. You can also lean on your agent to provide you with movers and stagers and inspectors to help out so you can spend time grieving rather than making it more stressful on you. I pray for your family that you all are able to say goodbye and she goes peacefully. <3