Homebuyer Checklist

Start your home buying journey with this list:

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!