* Get a copy of your credit report and correct any errors.
* Reduce your consumer debt - pay down credit card balances.
* Assemble a cash down payment.
* Determine how much you can afford to pay for a home.
* Decide how much you are willing to spend for a home (different from how much you can afford).
* Get familiar with basic mortgage terms.
* Shop for a mortgage loan on the Internet.
* Get pre-approved or at least pre-qualified for a mortgage loan.
* Investigate neighborhoods where you want to look for a house.
* Consider neighborhood school quality and crime rates.
* Select two or three neighborhoods that meet your requirements.
When ready to shop:
* Find a real estate agent who specializes in the neighborhoods where you want to live.
* Work with your agent but also shop for a home at Internet sites such as HomeAdvisor and Realtor.com.
* Visit homes for sale and make notes.
* Get your agent's help in evaluating the asking price of homes you like.
* With the help of your real estate agent, write an Offer to Purchase.
* Complete all mortgage loan application requirements
Once you find a home:
* Hire an inspector to examine your prospective home.
* Accompany your inspector during the inspection.
* Get agreement on repairs to be made by the Seller
* Inspect repairs and handle other details prior to closing day.
* Hand over a certified check for the down payment and pick up the deed for your home.
|More Moms Who Think Checklists|
Halloween is the fun holiday, dressing
From budget worksheets to housecleaning schedules (and everything in between),
Use our free meal plans so you don't have to worry about what's for dinner! They're weekly menus; complete meals with side dishes and recipes. All family pleasing dishes even picky kids will love.