Buying a house can be a stressful time—there is a lot to consider, even before you finally decide on a place to live. With this buying a house checklist, you will be able to better equip yourselves before you even walk out your door. The more you know before you make a decision, the better equipped you are to find a house that will be your very own dream home.
1) Decide where you want to live.
This should be fairly easy. Look for a neighborhood and area that you like and research it.
2) Find houses that are for sale in the area and contact a realtor.
It’s wise to take a look at the actual houses that are available in the area so that you have an idea of what you’re looking for. A realtor will give the added help and professionalism when you have a clear idea in mind.for more updated blog, read their latest comment.
3) When you decide on a house, ask your realtor to set up a viewing and inspect the house.
Make sure it’s a house that you like—that it fits all of your criteria for what you’re looking for. If you like it, then move along.
4) Get your banking information together and apply for a mortgage/get a preapproval.
Often times, you will qualify for a preapproval for a mortgage—you can use this information for your negotiation process later as it will allow you the flexibility of knowing exactly how much you can offer on a home.
5) Take your banking information to your realtor and make an offer for the house.
Make your offer and wait for them to either accept it, or come back with a counter offer. Make sure that you go home and think about your decision—whether they take your offer or give a counter offer. This decision is a big one and shouldn’t be done with any sort of haste.
6) Agree to an offer.
Let your bank know that you’ve made an offer on a home and give them the necessary information that they need in order to get the mortgage process started (paystubs, any debt that you have, assets).
7) Find a reputable home inspector and have them look at the house you’ve made an offer on.
Make sure that you schedule a home inspection and that you are present for this inspection. If there are any issues, they need to be resolved before any paperwork is signed and before a deposit is made—either you will back out of the purchase due to unexpected faults with the home, or perhaps the homeowner will renegotiate on the price.
8) Make sure you are comfortable with the state of the house and schedule a final walk through with your realtor.
One last time to go over any deficiencies or anything else that came up during the inspection.
9) Get a check from the bank for a down payment and meet with the seller and your realtor to sign the paperwork at the bank.
10) Give the deposit and get your keys—it’s time to get moving!
After the paperwork is signed and the financials are solid, it’s time to get the keys to your new home!
After a lot of preliminary work, you will finally be able to sit back and relax in your new home—after you’re done unpacking, that is!