Oregon Agreement To Occupy After Closing
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FAQ
A use and occupancy agreement - sometimes referred to as a U&O - is a temporary agreement between the buyer and the seller that allows one party the right to use and occupy the property for a set period of time. It's usually put in place if the buyer needs to move into the property before ownership can be transferred.
The corollary for the sellers is this: Under no circumstances should you let a buyer move into the house before the sale has closed. The absolute best-case scenario is that you could end up with property disputes that can only be resolved with the help of a residential real estate attorney.
Federal law gives borrowers what is known as the "right of rescission." This means that borrowers after signing the closing papers for a home equity loan or refinance have three days to back out of that deal.
Moving in before the closing date is also known as taking early possession of the property. It's generally not feasible to move in early unless the seller has already vacated the property. Naturally, the seller won't want you to be moving your items into the property as they're trying to move their belongings out.
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