We’re first-time home buyers. Where do we begin? (Part 4 of 4 – Last Chapter)
As you approach the final stretch of your home buying journey, it’s time to focus on the crucial steps that will bring you to the finish line. After months of searching, negotiating, and securing financing, you’ll need to ensure that all remaining documents are in order for your lender. This might include providing the latest pay stubs, bank statements, or any other documentation that the lender requires to finalize your mortgage. Additionally, securing homeowners insurance is a critical step that must be completed before closing. Start shopping for insurance early to compare coverage options and rates, ensuring that your new home is well-protected from the start. It’s also time to turn your attention to connecting utilities. Contact your local utility providers—such as electricity, gas, water, internet, and waste management—to set up new accounts and arrange for service activation.
Finally, as the closing date approaches, conduct a final walkthrough of the property, usually a day or two before closing. This walkthrough is your opportunity to verify that the property is in the condition agreed upon and that any repairs negotiated in the contract have been completed. Carefully inspect each room, test appliances, and ensure that everything is functioning as expected. If any issues arise, discuss them with your real estate agent immediately. On closing day, be prepared with a driver’s license or passport. Once everything is signed and the closing costs are paid, you’ll receive the keys to your new home, marking the completion of your journey and the beginning of a new chapter in your life. Congratulations on becoming a homeowner!
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