Home Buyer Checklist

Our mission is to guide home buyers and sellers through one of the biggest financial decisions of their lives. We strive to make buying and selling homes a smooth process where our clients feel empowered with information and shielded from complications.

We hope this checklist helps you through the process of buying a home.

 

1. Get Pre-approved for a mortgage loan and establish a budget. This important step will illuminate any disappoints by avoiding looking at homes outside of your budget or what your qualify for.

 

2. Identify what type of property you would like to buy (condo, townhouse, single family home, duplex etc.)

3. Identify what locations are acceptable for your new home. Consider public transit, schools, grocery stores, shopping etc.

4. See prospective homes with your agent. This can be daunting but so much fun!

5. Write an offer on a home and get it accepted! Keep in mind sometimes negotiations will need to take place.

6. Once you have an accepted offer, follow your agents instructions for providing earnest money, ordering a home inspection and starting the loan origination process with your lender.

7. After inspections are complete and the appraisal is completed, usually the transaction will go through so it is time to start packing and planning your move.

8. Contact movers 1-2 weeks ahead of time as a minimum to be sure your timeline can bet met. And start packing!

9. Less than one week before closing you will need to set up utilities to be inyour name, homeowner’s insurance to start. We will provide you with the contact info for your utility providers.

10. On the day of closing or day prior to closing, you will need to wire your down payment and closing costs to the title company for closing. After your loan funds and the deed records, you are the new owner of your home! Your agent will arrange to get keys to you so you can take possession.

Stress Management for Home Buyers

Everything about moving can be stressful. We have a few tips to help you manage stress during the process. From the selling or buying of a home to the packing and unpacking, there are moments of excitement and moments of anxiety so having your ducks in a row so to speak will help make the later moments minimal.

Start Small– this will allow you to see progress along the way and hopefully keep you motivated without the tasks seeming to daunting. Whether that is packing up all the bathroom drawers only leaving items that you may need up until moving day, to picking a section of basement or garage to make some headway.

 

Allow for plenty of time– trying to rush through the moving process will do nothing but put added stress on the situation. Pre-planning for moving trucks etc., will help you also feel more prepared. Try not to leave anything to the last minute.

Try to stay organized– sorting and labeling boxes is the key to having a less stressful unpacking experience. This includes keeping all documents you may need in an easy to access place. Upfront planning is essential to coordinating all the ‘moving’ parts.

 

Hire professional movers-if you can fit it into your budget, having professionals come and pack the truck, haul the items, and unpack the truck in your new space is a lot less work for you. In addition, it will not only save your back from heavy lifting but will give you peace of mind knowing all your stuff is in one place.

Ask for help– if you need it, ask! Family and friends are a great resource if you are feeling overwhelmed by the move. Having an extra set of hands or two, can help tremendously.

 

Meet your new neighbors– who knows, they may even be nice enough to come help you unpack.

 

Rest– be sure to rest when you need too. Try and get as much sleep as possible and drink plenty of fluids. This will help you both mentally and physically.

 

 

Yes. Buying a Home Can Be Stressful.

Yes. Buying a home can be stressful.

Hiring a professional to buy or sell a home is a good way to assist you in dealing with some of the stress points during a real estate transaction. Often times, buyers and sellers are unaware of all the possibilities that may come into play when purchasing a home or selling one. Your realtor is a trusted resource that will help you remain calm.

Here a just a few to consider:

 

  • Sometimes you will have to write many offers in our competitive market before you will secure a contract.

  • Sometimes home inspections do not go well and negotiating repairs can be stressful.

 

 

  • Sometimes closing gets delayed or there is an issue getting your keys once closing has occurred.

  • Often sellers may accidentally leave items at the home that are unexpected or leave the home less clean than anticipated. This can cause extra work to be needed before you may want to move in.

 

  • If you do not understand the home buying process well or your lender and/or real estate agent are not communicating consistently, it can leave you feeling out of the loop and anxious.

  • Feel free to constantly communicate with your agent and lender if it helps you feel at ease during the process. They really are such a valuable asset in so many ways.

 

Tips for Moving with Pets

Moving can be a stressful situation for humans, imagine how stressful it can be on your four-legged family member. Things changing in the house is unexpected, therefore taking a few extra steps to ensure your pets move is a smooth transition is worth every minute.

First and foremost- keep your pet away from the actual moving. Leaving with a family member or even a trusted kennel will keep them from getting stressed by all the sudden movements. If relocating them is not an option, keep them a quiet place in the house or in your yard if possible. Be sure to check on them regularly and try and keep their feeding schedule the same. 

 

Pack an easy overnight bag for your pet- having their favorite toy, food and whatever else their creature comforts may be will make it easier, and quicker to access so they are comfortable while you unpack. 

Take them to the new place in your own car. This familiarity will help the transition and help them to feel safe. 

 

 

Keep an extra close eye on your pet in the new place. You don’t want your pet to get out and get lost in a new neighborhood. Give them a few days to adjust before you let them roam. 

 

 

Moving with fish? Fish can get very stressed by the disruption. It is best to transport them (short distances) in bags filled with tank water. 

 

If you have birds, keeping them in their cage during the entire transition is best. 

 

Don’t forget to update their contact information! From tags to chips, get that address updated! 

 

Broom Clean and Free of Debris

What exactly does “Broom Clean and Free of Debris” mean when selling a home? For starters, this does not mean the home has been professionally cleaned by any means. Also, when sellers take down art and or photos off the walls, there are often nail holes left behind and the seller is not obligated to spackle them.

 

In addition, once furniture is removed, there can be spots on the carpet and other surprises that the buyer should anticipate potentially dealing with as there is no way to see everything when a home is occupied and there is furniture in the way.

 

Often times when a seller moves out and the home is vacant, many things that were not visible in photographs when furntiure ext. where still in the house, are now visible when empty. This can include stain on carpets, holes in walls and perhaps even issues with other types of flooring, like laminate floors with stains or damage.

 

Be prepared to either hire a professional service to clean the house to your satisfication or factor in the time to do it yourself. Expecting that it will already been done, is an unrealistic expectation and one that cathces a lot of buyers off guard.

 

“People’s perception of broom clean is very different, so buyers should plan on hiring a housecleaner so the home is clean to their liking,” Monique Higginson said. “Often sellers will leave paint or other items at the home, but those should be removed by the seller unless the buyer gives them permission to leave the items.”

 

Why You Should Work With a Realtor

Working with a realtor to buy or sell a home is not only a good idea, it will take most of the stress out of the process. From dealing with the financials to writing contracts that protect you in the transaction, working with a realtor is an important first step to having a successful sale.

10 Reasons why you should work with a realtor:

 

1. Hiring a realtor will ensure your property is listed at the right price, as a result it will help it sell faster.

 

2. Presenting your property in the best manner is also vital to the sale, from staging to pricing, a professional can help direct you in this process.

 

3. Exposure is key. Realtors work for you, ensuring that your property has the proper exposure, from open houses to social media.

4. Working with a professional will ensure your contacts are signed and initialed correctly so there are no hiccups at closing. Working with a realtor streamlines the entire closing process and allows you to just show up at a scheduled time.

5. A realtor will schedule showings and appointments to see the property, all while keeping you in the loop on any progress.

6. Hiring a realtor gives you the peace of mind knowing that a professional ‘has your back’ and is working diligently to meet your needs throughout the real estate transaction. Have questions on any part of the process? Your realtor is there to help.

7. Typically, higher price offers will be presented when working with a realtor, resulting in your property selling at top of the market.

 

8. Negotiations and inspection issues are addressed by the realtor, therefore taking that responsibility off of you.

 

9. Closings are sped up when working with a realtor.

 

10. A realtor will have current market knowledge, knowing what homes have sold for in the area, therefore ensuring you have it priced correctly.