Experienced Real Estate law in Windsor-Essex County

This firm provides real estate services for the purchase and sale of your residential home in Windsor-Essex County, Ontario as well as provides services where a new mortgage is being entered into.


As soon as you purchase a home or sell your present home, you should contact your lawyer as soon as possible. “After the offer” has become firm meaning that all conditions such as financing have been removed and the deal is set to close. The lawyer must perform many checks and prepare many documents over the course of these transactions. It takes time to accomplish this. Please have your realtor forward the documents to us as soon as possible by fax or email.


Contact us for an estimate of your costs associated with buying or selling a home.


We also have lawyers who act for clients on the purchases, sale, and refinance of commercial properties. Contact us for details.


Below is a checklist for purchasers of a home for reference. Note that each transaction is different and this list may not be complete for your transaction, but it is a good reference.

PURCHASER’S PRE-CLOSING SHEET

  • Inform telephone/cable companies of change of address.
  • Inform all utilities of change of address or to set up accounts.
  • Our office will inform the tax department of your new address. (Be aware that if you are purchasing with a mortgage and are paying taxes through your mortgage company, you may have to pay your first installment. This is due to the fact that the mortgage company may not have accumulated enough money from your payments in the tax portion of your mortgage to cover the first installment. Until they do, you will be responsible for paying property taxes.)
  • Consider informing Canada Post of your change of address to forward your mail.
  • Call your insurance company 2-3 weeks in advance and obtain an “insurance binder” to be faxed to my office. Be certain to obtain full coverage to protect your investment and the mortgage company’s mortgage (sometimes referred to as “full replacement value”). Prior to release of mortgage funds you must have coverage for at least the mortgage amount.
  • On closing day, call our office after 3:00 P.M. to enquire if your home has “closed”. If it has not, expect to receive your keys around 5:00 P.M. You must pick up your keys prior to our office closing at 5:00 P.M.
  • Do you require a moving truck? Arrange for one well in advance.
  • We will book an appointment 1 to 2 days prior to closing for the signing of all documents.
  • Any funds, which you must provide our office, will be required on the day of document signing in the form of a bank draft or certified cheque. We will inform you of the amount required one day prior to attending our office.
  • Are you covered by the Unifor Legal Plan? Inform us if you are and contact them to obtain payment documents. Failure to do this prior to closing means you will have to pay our office the full fee and remit for reimbursement on your own per the requirements of Unifor.
  • New home construction purchasers: You must do your final inspection with the builder at least 1-2 DAYS in advance. Call them to arrange this. Fill in all deficiencies on the builder’s “HUDAC Certificate Completion and Possession form” or you will not be covered for what they have failed to complete. Ignore any builder who tells you that you don’t need to write something down because they will “take care of it”.  Write it all down.

Information

Scarfone Law Firm

1500 Ouellette Ave. Suite 400

Windsor, ON Canada

N8X 1K7

Phone: 519-252-1453

Email: jamesscarfone@on.aibn.com

Service Area: Windsor, Surrounding Areas

Hours

Monday - Friday 09:00 AM - 05:00 PM

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