J. Graham Realty, LLC

Licensed Real Estate Agency In NJ & Florida

4 Perry Street
Morristown, NJ 07960
(o) 973.540.1232
(f) 973.540.0008

Prior to the closing day, the listing agent needs to get the process going for the CHO (Certificate of Habitability) from the town. All Towns are different but it may require both the seller and buyer to fill out a CHO application. Once the application has been filled out and signed by both parties the listing agent will take it down to the Town. Then the Town will call back to set up a date to do a fire inspection and possible other inspections. If the house passes inspection, then both parties have to sign another form from the Town. The listing agent submits the form and the Town will then issue a certificate or CHO which is needed prior to closing.

Also, a walk through will be set up 4 days before the closing date to make sure all repairs have been made and no things have changed inside the house since the inspection contingency period.

Listing agent has the seller fill out a list of all the utilities, service contracts, codes for garage doors and then sends the list to the buyer's agent so that the buyers can start setting up the utility in their name on the day of the close.  In addition, the seller has to call up the utility companies once a close date has been established to indicate a change in service.

Just before the close date, the listing agent gathers all the keys  and garage door openers to bring to the closing... or asks the seller to bring to the close.


On the morning of the close date, the buyer's will do a final walk through to make sure all items have been removed from the house. The actual closing is a formal process where all parties sign all of the necessary paperwork needed to complete the transaction. Title to the property is transferred from the seller to the buyer. The buyer receives the house keys and seller receives payment for the house! If the seller is due a credit, the title representative subtracts the funds to pay off the existing mortgage and other transaction costs. Deeds, loan papers, and other documents are prepared, signed and ultimately filed with local property record office.