8 Real Estate Documents You Should Keep

When you buy or sell a home, the paperwork can feel overwhelming. However, some documents are essential to keep long after the transaction is complete. These records will serve as a reference for tax purposes, legal needs, and future transactions. Here’s a guide to the eight key real estate documents you should never throw away:

1. Buyer’s Agent Agreement

This document outlines the terms of your agreement with your real estate agent. It’s important to keep it for reference in case questions or disputes arise regarding the agent's responsibilities or commission.

2. Purchase Agreement

The purchase agreement is the cornerstone of your real estate transaction. It details the agreed-upon terms, including the purchase price, contingencies, and closing date. Hold onto this document to confirm the specifics of your deal.

3. Addenda, Amendments, or Riders

Sometimes, the original purchase agreement may need adjustments or additional terms. These addenda or amendments can affect your agreement, so keeping them is essential to understanding your contract.

4. Seller Disclosures

Sellers are required to disclose known issues with the property, such as structural concerns or past damage. Retaining this document can protect you in case problems arise later that were not disclosed.

5. Home Inspection Report

The home inspection report is a valuable document that outlines the property’s condition at the time of purchase. It can serve as a record for future repairs or improvements, as well as a reference if disputes arise about the property’s condition.

6. Closing Disclosure

The closing disclosure details the final terms of your mortgage, including loan amount, interest rate, and closing costs. Keep this document handy for tax purposes or when reviewing the financial details of your home purchase.

7. Title Insurance Policy

Your title insurance policy protects you against issues with the property’s title, such as liens or ownership disputes. Hold onto this document to ensure you’re covered in the event of a title-related problem.

8. Property Deed

The property deed is your proof of ownership. This document should be kept in a safe place, as it will be required if you ever decide to sell your home or transfer ownership.

Why Keeping These Documents Matters

Maintaining these real estate documents ensures that you’re prepared for future needs, whether it’s selling your home, resolving disputes, or understanding your tax obligations.

If you have questions about organizing or accessing important real estate documents, I’m here to help! As your local Central Pennsylvania Realtor®, I can provide the guidance you need to navigate every step of the home-buying or selling process.



Let’s work together to make your real estate journey as smooth as possible!