 Buying a Home Checklist
- Get a free copy of your credit report. Visit www.annualcreditreport.com,
- Know your rights. Visit www.hud.gov.
- Research mortgage companies - shop around for the best interest rates.
- Know what loans are available for first-time homebuyers.
- Get pre-approved.
- Calculate your own budget to see how much you can afford.
- Define your wants and needs in a house - new construction vs. resale.
- Check out the local school districts.
- Narrow down the area you want to live in.
- Start looking at homes.
- Talk to the neighbors in the areas you are looking.
- Get a copy of the local crime report for the neighborhood.
- Pick a reputable REALTOR ®.
- Find an attorney
- Check comparable sales in the neighborhood.
- Make an offer.
- Start negotiating - be prepared to walk away if you don't get what you want.
- Ask the seller to purchase a home warranty.
- Sign the contract.
- Apply for homeowner's insurance.
- Get the home inspected - know what to look for at your home inspection.
- Set a closing date and know what the closing costs will be.
- Do a final walk-through of the home.
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