Your home is probably the biggest purchase your family will ever make, and it involves many decisions that go beyond simply choosing one you like. We will take the time to listen to your needs and desires. Your satisfaction is our number one priority.
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10 things you should know before buying
When Your home buying process is well underway. The sellers accepted your offer to purchase. The home is officially under contract and you’re counting down the days to closing. The lender pre-approved you; so buying the house is a sure thing, right?
Not quite. Nothing is certain until the keys are in your hand and the deed is recorded. There are still hurdles to get past before it’s yours, and your actions between now and closing can create headaches, slowdowns and even stop the transaction.
1. Don’t Make a Major Purchase
You’ve just found out your credit is A+. That’s great news, because a new car would look fantastic in the driveway of your new home. But hang on–if you are depending on a mortgage to move in, you’d best wait until after closing to buy that car.
An increase in your debt to income ratio reduces the amount of monthly income available for your mortgage payment. If you tack on a higher car payment, the bank might decide you can’t afford the home.
Using cash to purchase the car could also create a problem, since banks consider cash reserves when approving your mortgage. If you must make a major purchase before closing, talk to your loan officer before you do it.
2. Don’t Change Jobs Unless It’s Necessary
Lenders like to see a consistent job history. They aren’t usually as nervous if you change jobs within the same field, but it’s better to stay put until the house is yours.
3. Don’t Give an Earnest Money Deposit Directly to a For Sale By Owner Seller
Your good faith deposit should go into a trust account. Some for sale by owner sellers don’t understand that funds are not theirs to spend until closing. I’ve heard many stories about sellers who spent the deposit money prior to closing. When the transactions didn’t take place for valid reasons–such as financing or repair issues, the buyers had to fight for a refund. Find an attorney or other neutral party who will hold the deposit for you until closing day and make sure your contract dictates what happens to the funds if the transaction doesn’t close.
4. Don’t Let Your Emotions Take Over
Keep a cool head during the entire home buying process, especially during and after a home inspection. Be realistic. No home is perfect, especially older homes. It’s not unusual for new owners to take care of some repairs themselves. Don’t let the seller’s refusal to do a small repair kill the deal on a home you truly love.
On the other hand, don’t fall so much in love with the house that you’ll buy it no matter what needs to be done–unless you’re sure you can handle it emotionally and financially. Decide what type of repairs you can realistically tackle, then stick with the decision.
5. Don’t Forget to Switch Utilities
That sounds simple, but you’d be surprised how many people forget to apply for utility service at their new home. Call the utility companies as soon as you have a contract. Find out how many days lead time they need to switch the service, and then get back with them when you have a firm closing date. Don’t forget to discontinue services at your old home.
6. Don’t Forget to Line Up Your Hazard Insurance
A no-brainer, right? But it’s another often-forgotten task that buyers scramble to take care of at the last minute. Before closing, your lender will want to see an insurance binder showing you have coverage for the new home. Get it as early as possible so that closing isn’t delayed. In some locations, additional types of insurance coverage might be necessary. Talk to your lender about insurance requirements well before the closing date.
7. Don’t Become Best Friends with the Seller
Remember, this is their home. You’re no doubt excited about moving in, and if you didn’t like the house you wouldn’t have offered to buy it. But you’ll make changes–everyone does. A casual statement about “ripping up that ugly carpet” might be hurtful enough to keep the seller from negotiating with you about repairs or other issues that crop up.
8. Don’t Panic if the Appraisal Comes in Low
At least not at first. There are some things you (and your agent) can do to correct the problem. Study your options.
9. Don’t Do It Alone
If you’re working with an agent, it’s the agent’s duty to track many of the day-to-day details that involve the lender, the seller, or the seller’s agent. Be sure your agent schedules a final walk through just before closing.
10. Don’t Ignore Lender Requirements
Know what is expected of you and take care of it. For instance, a Certificate of Eligibility is required to move forward on a VA loan. That’s something you must handle yourself. Answer lender questions and provide required paperwork as quickly as possible-moving into your new home depends on it.
Loan Application Checklist
This is a list of documents required in order to process your mortgage application.
Verification of income
- - Earnings statements: W-2 forms, recent pay stubs and tax returns for the past two years.
- If you are self-employed: profit and loss statements and tax returns for current year and previous two years.
- Additional income: social security, overtime bonus, commission, interest income, veteran’s benefits and so on.
Verification of your assets
- - List of bank account numbers, the address of your bank branch, checking and savings account statements for the previous 2-3 months.
- List of savings bonds, stocks or investments and their approximate market values.
- Copies of titles to any motor vehicles that are paid in full.
Information about the purchase
- - Copy of the ratified purchase contract.
- If you made a deposit to the seller to show that you are serious about buying the house, bring a copy of canceled deposit check on house.
- - Credit card bills for the past few billing periods.
- Other consumer debt such as car loans, furniture loans, student loans and other personal and cosigned installment loans with creditor addresses and phone numbers.
- Evidence of mortgage and/or rental payments.
- Copies of alimony or child support.
- If you have no established credit history, supply the lender with canceled checks for rent, utilities and other recurring obligations to show payment history and amount of revolving debt.
Lenders may also ask you about the origin of your down payment. If money for down payment is a gift from a relative, bring to the interview a copy of gift letter and copy of gift check. The gift letter states that the money will not have to be repaid.
- Having these items on hand when you visit the lender will help speed up the application process.