The Indianapolis home buying process can be stressful. Keeping the receipts from your many house shopping decisions together, keeping track of all the little details as you come across them, often results in a buyer becoming very organized. To make purchasing a home easier, many realtors offer an Indianapolis home buying checklist of things to do as you get ready to buy a home. By having a checklist of Indianapolis home buying “required lines” to follow, you can feel more in control of the entire process. There are several checklists available in stores such as Home Depot and Loews. While these checklist may seem basic, take note that not all home purchases are easy. You should always plan for the unexpected. The last thing you want to worry about is to be woken up at 3:00 am on a Sunday to find your mobile is on its side in the driveway and there is a new pest problem . So relax and enjoy your Indianapolis home!
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The Home Buying Checklist provided by your realtor has different sections to encourage you to go through each important stage of the purchase of your home. We’ll go through the steps one at a time.
Step One: Pre-Qualifying
The first thing you should do is get pre-qualified for your mortgage. This will give you a price limit for you to shop for homes within. This price limit is based on your pre-approved amount. Also, when you have a pre-approval letter, realtors will be willing to show you “rooms” where you are able to re-size your furniture before you move. That way you will know the home you can afford. While it may not make a difference in the final price, it will alleviate a lot of forgetfulness.
Step Two: Making an Offer on Your Dream Indianapolis Home
Now that you have a pre-approval letter and know how much you can afford, it’s time to make an offer on your new dream home. Normally the seller will present a counter-offer. If you have arranged your financing and have found the home of your dreams, it’s time to decide. If you have made two offers in the past and there’s a reasonable amount of difference between the two, make sure you put in an offer for the highest and best. Your agent will make sure the offer is submitted to the seller promptly.
Step Three: Waiting for further Ordering of the Property
Once you have made an offer, and waited for a reply from the seller, the realtor will call you to let you know when the agent will be able to follow-up with the seller with any questions you may have. This is when your agent will request the property inspection and appraisal.
Step Four: Lawyers Continue to Negotiate the Sales Price
Your attorney will request proof of insurance and who will pay for the home warranty. Any legal comments you may have on the sale should be advised to your real estate attorney. A lawyer is someone who is not attached to the physical location you are looking at, so you want to make sure you have a good lawyer on your side.
Step Five: Kitchen Swaps and Final Walk through
Your attorney will make sure the final mortgage is sanctioned and there is funding to close.
Step Six: Closing and Moving
Now you can discontinue your realtor’s involvement. Now that your home is completely officially yours, you can start unpacking boxes and mark up your new appliances. By now, you should have a clear understanding of what you are getting and how much you are paying for it.
That’s Indianapolis Home Buying at its finest! You can look for a home buying company with a keyword like “We Buy Homes Indianapolis“.