Home Buying Guide Pdf <HOT • Manual>

A higher score equals a lower interest rate. If yours is under 620, consider a few months of "credit repair" before applying.

Look past the paint colors and staging. Check the age of the roof, the HVAC system, and the "vibe" of the neighborhood at different times of day.

Usually 24 hours before closing, you'll visit the house one last time to ensure it’s in the agreed-upon condition. home buying guide pdf

Hire a professional to find the hidden "skeletons" in the walls. This is your chance to back out if there are major structural or safety issues.

You'll meet at a title company or attorney's office to sign a mountain of documents and wire your down payment. A higher score equals a lower interest rate

A pre-approval letter tells sellers you’re a serious buyer with backed funding. In a competitive market, you can't win without one. Phase 2: Building Your Team

This is the final deep dive into your finances by the lender. Pro tip: Do not make any large purchases (like a new car) or open new credit cards during this time! Phase 5: Closing Day Check the age of the roof, the HVAC

Don't be afraid to ask for closing cost credits or repairs if the house needs work. Phase 4: Due Diligence Once an offer is accepted, you enter "Escrow."