Things To Consider Before Buying A Home

Documents Needed for Loan Applications

Dos & Don'ts

How Your Credit Score Is Derived

Keep Your Credit Clean

What To Expect At Closing

Moving Checklist

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4 Weeks Prior to Move

  • Make a "Move" file folder to keep track of documentation and records of the moving process.
  • Set up a calendar for your move to mark deadlines and reminders.
  • Hold a garage sale to rid yourself of furniture, clothes and other items you'd prefer not to move.
  • Contact a local charity to donate any unneeded furniture and items not sold in the garage sale.
  • Collect boxes, tape, rope, wrapping/padding material and other moving supplies.
  • Line up a moving company (or make reservations to rent a moving truck if you plan to move yourself).
  • Gather doctors, dentists, other medical and school records.
  • Put together (and keep accessible) all financial, tax, and employment documentation that may be needed during your loan process.
  • Contact your insurance company to transfer your policies (life, auto, homeowners).

3 Weeks Prior to Move

  • Set a cutoff date with your current utility providers (this can include telephone, gas, electric, water, garage, and cable).
  • Establish a start date for utility services at your new home.
  • Let friends and relatives know of your upcoming move.
  • Donate canned goods and other non-perishable food items to a local charity to save the expense of moving them.
  • Verify your Voter Registration information and make any necessary changes in light of your move.
  • Register your new address with your subscriptions to newspapers, magazines, and association memberships.
  • Complete a change of address card with your local post office.
  • Research and keep record of tax deductions on moving expenses.

2 Weeks Prior to Move

  • Transfer stocks, bonds, bank accounts, and contents of safety deposit boxes to a trusted financial institution near your new home.
  • Organize the clothes you will be moving; separate them into suitcases, keeping those you need readily available.
  • Review the moving checklist so far, making sure you are still on track for the move.

1 Week Prior to Move

  • Drain outdoor equipment: water from hoses, propane tanks from barbecue grills, and gas and oil from lawn mowers.
  • Discard any aerosol, paint, oils, and all flammable and/or toxic chemicals.
  • Label items you need to easily access and place them in a separate room or closet.
  • Schedule a pest control company to service your home before moving - especially on new construction.
  • Clean your refrigerator and let it air out at least 24 hours before moving.

Move Out Day

  • RELAX
  • Load items and boxes that you'll need first last. (Those items packed last will be unloaded first.)
  • Conduct a final walk through of your home once everything is out of the house; check cupboards, closets, behind doors, attics, stairwells, overhead in the garage, outside the home, and any storage sheds.

Move In Day

  • Prepare your new home before the moving trucks arrive; have it clean and be prepared to instruct where you’d like items placed.
  • Take some time, sit back, and enjoy your new home!