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MOVING IN
Some buyers mark the occasion with champagne, others are simply relieved to cross the finish line. However you celebrate, there are just a few final steps before your new property is officially yours.
Final Walk-Through InspectionThis is your last opportunity to inspect the home before closing. By this point, all agreed-upon repairs should be completed, and the seller’s belongings should be removed. The walk-through usually takes place the day before or the morning of closing, ensuring everything is in the condition outlined in your purchase agreement.
The Closing ProcessOnce you’re satisfied with the final walk-through, it’s time to close. You’ll meet with the seller and the closing agent to sign the final documents, including the settlement statement and your loan paperwork. These documents confirm all financial terms and legal responsibilities.
At closing, you’ll deposit your down payment and closing costs. This can be done by certified bank check or through a secure wire transfer to the escrow account. After all signatures and payments are complete, the deed is recorded with the County Recorder’s Office, officially transferring ownership.
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Tips For Buying
Don’t Max Out Your Budget
Being approved for a certain amount doesn't mean you should spend every dollar on the home itself. Be sure to budget for additional costs like closing fees, property taxes, insurance, future repairs, and potential upgrades. A comfortable financial buffer will give you more confidence and flexibility as a homeowner.
Get to Know the Area
Location matters just as much as the home itself. Explore the neighborhood to make sure it fits your lifestyle. Are there good schools nearby? Is shopping, dining, and commuting convenient? A great property in the wrong area can lead to regret, so take the time to find the right fit.
Don’t Skip the Home Inspection
A professional home inspection can reveal issues you might not catch on your own. From structural concerns to electrical and plumbing systems, inspections provide critical information that helps you make an informed decision. They also offer peace of mind and a layer of protection during negotiations.
Get Pre-Approved
A pre-approval shows sellers that you are a serious buyer with financing already in place. It strengthens your offer, helps you move faster in competitive situations, and gives you a clearer understanding of your purchasing power.
Make a List of Deal Breakers
LEARN MORE
Know what you can live with and what you cannot live without and also those things that can be taken care of with a simple remodel. If you need a 4 bedroom home, don't buy one with 2 that requires a massive addition which can break your budget.
Look at the Age of Appliances and Other SystemsAppliances are some of the most expensive portions of the home and you should pay particular attention to their age and whether they have required service. Other systems to have inspected are your HVAC, hot water heater, and your septic & well, if applicable. You may be able to get the seller to add a home warranty when buying.
Check For HOA RequirementsMost neighborhoods have HOAs that govern what you can and can't do - be sure you know what the rules are for your neighborhood.
