Buyer's Checklist

Guide to Buying a Home

Buying a home is exciting, and being prepared can make the process much smoother. Use this checklist to stay organized from start to finish.

 

Before You Start Looking

•   Check your credit score and review your credit report.
•   Create a monthly budget to determine what you can comfortably afford.
•   Save for your down payment and closing costs.   
• Build an emergency savings fund.
•   Gather important financial documents:
•   Recent pay stubs
•   W-2s or tax returns
•   Bank statements
•   Identification
•   Employment information

Get Ready to Buy

•   Meet with a lender.
•   Get pre-approved for a mortgage.
•   Determine your price range.
•   Decide on your must-have features versus your nice-to-have features.

Start Your Home Search

•   Choose a trusted real estate agent.
•   Tour homes.
•   Research neighborhoods, schools, commute times, and nearby amenities.
• Compare homes based on your priorities.

Making an Offer

•   Submit an offer.
•   Negotiate terms if needed.
•   Sign the purchase agreement.
•   Deposit earnest money.

During the Contract Period

•   Schedule a home inspection.
•   Review the inspection report.
•   Negotiate repairs or credits if necessary.
•   Order a property survey (if recommended or required).
• Complete the appraisal.
•   Secure homeowners insurance.
•   Complete any lender-requested paperwork promptly.

Before Closing

•   Review your Closing Disclosure.
•   Schedule your final walk-through.
•   Arrange utilities.
•   Prepare certified funds or complete your wire transfer as instructed.
•   Confirm your closing date and time.

Closing Day

•   Bring a government-issued photo ID & money if needed
•   Sign your closing documents.
•   Receive your keys.
•   Celebrate your new home!

 

Congratulations!

 

Homeownership is a major milestone, and preparation is the key to a successful experience.

As a referral real estate agent, I'm here to connect you with trusted real estate professionals, lenders, inspectors, title companies, and other experts anywhere in the

United States. Whether you're buying your first home or your forever home, I'll help you find the right team to guide you every step of the way.