New Home Buyer's Checklist

New Home Buyers Checklist

Dos:

• Work with a Real Estate professional.
• Prior to shopping for a home get pre-approved for your loan from Bay Lending.
• Verify the cost of taxes and insurance before signing a contract.
• Find out what you can afford, not just what you qualify for.
• Check for criminal predators at www.fdle.state.fl.us.
• Get referrals for home inspectors and insurance companies from your mortgage professional.
• Check the school districts in your area.
• Drive through the neighborhood at different times of day.
• Ask questions until you are 100% comfortable with the process.
• Build a level of trust with the professionals you are working with.

Don'ts:

• Change your spending habits or credit profile after application (buy a car, furniture, etc.).
• Quit or change your job.
• Focus on interest or payment amounts only. Consider the "big picture."
• Take advice from non-industry professionals.
• Negotiate a "For Sale By Owner" without a Real Estate Professional.
• Buy more home than you can afford.
• Go it alone.