Organize your finances before selecting your lender
Give your lender and realtor your closing attorney’s contact information
Work with your lender in getting pre-approved for your loan
Once you select your home, make an offer that is in your price range
Be certain the contract allows for any conditions you feel are necessary
Negotiate price, credit, and repairs with the seller
Have your attorney review the Purchase and Sales Agreement prior to signing so that you can be advised of the details in the contract
Notify your realtor and your lender which attorney you will be using to assist with the closing
Send your attorney the fully signed Purchase and Sales Agreement as soon as it is completed by all parties
Arrange for the necessary home inspections, surveys, etc.
Other closing costs to be prepared for may include: lenders fees, homeowners insurance, utilities, HOA or condo fees, property taxes, fuel adjustments, title insurance costs; your lender should provide you with preliminary information on these during the initial lending process
Keep your attorney apprised of appraisal and inspection results so that your attorney may assist you with this process.
Respond to all requests for information from both your lender and attorney as soon as possible.
Attend the closing with the down payment in the form of a bank check, and two forms of identification, sign all of the required documents and get a clear title to your new home!
