Home Buyer Checklist

checklist

  • Organize finances by creating a budget
  • Determine available down payment funds and what you can afford for housing
  • Read HUD booklet on home buying
  • Get preapproved with Mortgage Specialist and review initial loan documents
  • Complete homebuyer education course if intending to use down payment assistance
  • Contact a Realtor to search for homes that meet your needs
  • Get a home insurance quote on desired property
  • Review payment and down payment information on desired home with Mortgage Specialist
  • Submit an offer
  • Complete purchase agreement
  • Complete revised loan disclosure documents with Mortgage Specialist
  • Request a home inspection to protect you against deficiencies in the property
  • Select a title company to handle your closing and title insurance
  • Work through mortgage process with Mortgage Specialist
  • Review appraisal when complete to ensure property value meets purchase price
  • Start utilities on closing date (electric, gas, water, cable, etc)
  • Go to closing with Title Agent, Realtor, Mortgage Specialist and the seller
  • Purchase owner title insurance at closing, if desired
  • Move into your new home!
  • File homestead status with the county office
  • Set up automatic payments for mortgage
  • Congratulations, and Enjoy your new home!
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