Congratulations on reaching this exciting milestone in your real estate journey! Here’s a step-by-step guide to give you an idea of what comes next, ensuring a smooth path to becoming a homeowner:

Selecting a Lender
To get the best mortgage rates and terms, compare lenders and lock in your choice. Once both parties have signed the contract, promptly share it with your lender to initiate the financing process.

Home Inspections
During the inspection period, your home will undergo several assessments to ensure it’s in good condition. These inspections can include:

• General home inspection
• 4-point inspection (covering roof, electrical, plumbing, and HVAC)
• WDO inspection (Wood-Destroying Organisms)
• Radon testing
• Well and water testing (if applicable)
• Septic inspection (if applicable)

Homeowner’s Insurance (HOI)
Securing an HOI policy is required by your lender, but you don’t need to finalize it until closer to the closing date. Start comparing policies during the inspection period to find the best coverage and price. Proof of insurance is required at closing.

Property Survey
As the buyer, you’ll typically need to purchase a property survey, which outlines boundaries, setbacks, and any improvements on the lot. This is usually an upfront cost and helps verify property details.

Leading Up to Closing

• Set up utility accounts in your name for the closing date.
• Schedule cable and internet services to activate post-closing.
• Arrange for movers or enlist friends to help with your move.

Closing Day Preparation
Your lender will provide the exact amount needed for closing a few days in advance. Plan to wire funds or bring a cashier’s check for payment.

Bring These Items to Closing

• Driver’s license or photo ID
• Proof of homeowner’s insurance

Local Vendor Recommendations
Along the way, I can connect you with trusted vendors, including lenders, inspectors, insurance agents, and movers. Feel free to use your own contacts or take advantage of my recommendations—whatever works best for you.

By following these steps, you’ll be ready to transition smoothly from “under contract” to proud homeowner. As always, if you have any questions or need assistance, just let me know!