Tanisha A. Sykes, Special to USA TODAY

Ryan Kwiatkowski and his wife, Caroline, dreamed of owning a vacation home to escape Chicago’s frigid winters.

“We found a beautiful, modern, single-family home in Florida close to beaches and near an international airport,” says Ryan,“ a wealth adviser.

One critical step before wrapping up a home purchase is the final walkthrough, which occurs typically a day or two before closing.

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