First Things First
Identify what inspections you want to have performed (whole house, termite, mold, radon, foundation…)
Call Lender with address of property.
Get all financing documentation to Lender. Such as W2’s, paycheck stubs…. Ask your Lender if they have all the information they need to approve your loan.
Arrange to be present at inspections.
Be prepared to pay for your Inspections on the day they occur. Good to bring 2-3 blank checks.
Prior to Closing
Lender will schedule the appraisal of the property.
Talk with lender to determine how appraisal will be paid-upfront or at closing. If up front, be prepared with a blank personal check.
Set up Home Owners Insurance with your insurance agent. Refer to list of trusted professionals in your Home Buyers Guide if needed.
Schedule a walk through of the property (typically done a few days before closing).
Call us with desired times for closing. All persons taking possession of title must be present at closing. Unless you have arranged for Power of Attorney Get final amounts needed at closing from your Lender.
Get a certified check from your bank for closing costs.
Preparing your move to your new home
Schedule moving truck and movers.
Arrange to have mail forwarded to new address.
If selling your home, disconnect utilities. **Remember utilities MUST remain connected until the date of possession-not the date of close.**
Set-up utilities for your new home. Refer to the List of Utilities in your Home Buyer’s Guide.
Notify us of your new phone number so we can update our records.
Notify family and friends of your new address and phone number.
Day of Closing
Bring your certified check for closing in the amount determined by your lender.
Bring identification. Driver’s license will work just fine. If recently married or have changed your name, bring documentation to support name change.
We will arrange for you to get the keys and any necessary security codes.