First Time Home Buyers Checklist

First Time Home Buyers Checklist

This is just a general list to help really anyone interested in buying a home.

  1. Save

    1. Closing costs - they can be costly due to money needed for pre-paids (insurance and taxes), title company fees, loan origination fees, and attorney costs.  You are able to get the preliminary numbers from your mortgage loan originator, you just need to give them the purchase price, the loan amount, and the parish the home is in.

    2. Down payment - not all homes qualify for 100% financing 

  2. Improve credit score

    1. Pull your credit report at AnnualCreditReport.com and make sure all entries on your report are correct

    2. Stay current on your bills

    3. Don't open new accounts

    4. Don't cancel credit cards, but by all means pay them down

    5. Higher credit score equals a lower interest rate

  3. Get mortgage pre-approval

    1. I have recommendations of the best in the business, no matter what your current situation is

  4. Choose me as your REALTOR

    1. I work 7 days  a week and I am so excited to find your next home

    2.  I also look forward to working with my team to market your home to get it sold quickly at top dollar

    3. We will have a consultation to share with me your "must haves" and "must have nots"

  5. Narrow choices

    1. Test commute

    2. Consider resale value

    3. Ride around at different times of day to gauge traffic, noise, etc.

  6. Make an offer

    1. The listing agent and the buying agent will negotiate the best deal for our clients

  7. Schedule home inspection

    1. This is just good practice for peace of mind

  8. Final walk through

  9. Close the deal and move in!


Karen Chapman Headshot
Author:
Phone: 225-324-5726
Dated: July 21st 2017
Views: 467
About Karen: ...

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