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PHASE I: Research & prep
- Neighborhood/city/state research
- Safety/crime
- Schools
- HOA and taxes
- Price range
- Financial prep
- Credit score
- How much you can afford
- Saving a down payment
- Home wish list, criteria
- Agent or no agent?
- Am I going to use an agent?
- Invite my agent or find and invite
- Start search, set up feeds for properties that meet criteria
PHASE II: Home Buying
- Meet with real estate agent
- Discuss style, price, location
- Buyer’s advantage
- Pre-approval
- What is needed: pay stubs, W2s, bank statements
- Know what you can afford
- Compare lender rates
- Search for a home
- Make offer
- What are comparable homes selling for?
- Offer is accepted
- Pick title company
- Negotiation + contract
- Timeline to obtain financing
- Time to inspect home
- Rights & responsibilities
- Offer Adjustments
- Based on home inspection results
- Home warranty
- In escrow
- Final details
- Due diligence
- Appraisal
- Schedule inspection
- Review terms
- Pick Insurance
- Hub Disclosures
- Lender Document Submission
- Proof of income
- Bank statements
- Tax forms
- Lender Disclosures
- What the loan is going to cost you
- Interest rate
- Payoff period
- Get Lender Approval
- Closing
PHASE III: Nesting
- Moving
- Utilities
- Internet
- Cable
- Water
- Gas
- Electric
- Solar or no solar?
- AC/Heat
- Smart home systems
- Home Security
- Remodelling
- Contractors
- Ordinances, codes, permits
- Design + decor
- Appliances + furniture
- Mattress
- Kitchen appliances
- Laundry appliances