Congratulations, You Have Found a House and Put it Under Contract! Now What?

Avoid Changing your Financial Profile

If you have your house under contract, this probably means that you have gotten a pre-approval/qualification letter.  Your lender will now make a formal loan application.  This application is based on your finances at that point.  It is vital that you don't make significant changes to you finances until after you close.  Problems can occur if you buy a car, open new lines of credit, change jobs, acquire other significant debt, etc.  It is a good idea to talk to your lender before making significant purchases that would out you into debt.  You also don't want to spend your down payment/ closing costs.

From there, you will have a number of items to complete before closing.  

Contract to Closing Check List

When going over the contract, my clients often get overwhelmed.  There are a lot of deadlines in the contract that can have serious consequences if missed.  I always assure my clients that they don't need to remember all the dates.  My goal is to make sure you are informed and on top of everything from contract to closing. 

To achieve this, I take all the critical dates and things you should be aware of and put them on a checklist.  I then send you regular updates on what the next action items are.  This way, if you want to get ahead of the game, you have access to all the steps but if you find all the steps overwhelming, I will break them down and give them to you as needed.  

Buying a house is one of the biggest financial decisions the average person makes.  I am here to make that process as smooth and as painless as possible.