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Stay on track from offer to keys with this simple, stress-cutting checklist.
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Secure Your Mortgage Pre-Approval
Get pre-approved before touring. It strengthens your offer and sets a clear budget so you don’t fall for a home that strains your finances.
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Review the Purchase Agreement Carefully
Confirm contingencies, deadlines, and what’s included (appliances, fixtures). Make sure it matches what you negotiated.
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Schedule a Home Inspection
An inspection can reveal hidden issues—roof, plumbing, electrical. Use findings to request repairs or credits before you’re locked in.
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Shop for Homeowners Insurance
Most lenders require it. Compare coverage, deductibles, and exclusions early so your policy is ready by closing.
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Lock In Your Interest Rate
Rates move daily. Work with your lender to lock a favorable rate to avoid last-minute payment surprises.
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Order a Title Search and Title Insurance
A title search checks for liens or ownership claims. Title insurance protects you if an old issue pops up later.
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Plan Your Move-In Expenses
Budget for movers, utility deposits, cleaning, and early essentials (blinds, locks, small repairs) so cash flow isn’t a scramble.
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Do a Final Walkthrough
Verify the home’s condition hasn’t changed and that agreed-upon repairs are complete. Test major systems and included items.
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Gather All Documents for Closing Day
Bring a government-issued ID, proof of insurance, closing funds (per your lender’s instructions), and any requested paperwork.