Home Buyer's Checklist
When purchasing a home there are a few things you need to know and be aware of while you look for a home. Brass Lantern Real Estate can help you along the way, ensuring that all the right moves are made at the right time. Below are a list of we suggest for home buyers.
- If not purchasing the home with cash, you will need to apply for a mrtage within 10 DAYS of signing your sales form.
- Information Needed At Your Application
- Complete copy of your signed agreement of sale
- W-2's for the past 2 years (or comeplete tax returns if self-employed)
- Most recent paystubs covering the past 30 days
- 12 months' mortage payment receipts or cancelled checks
- Last 2 months bank statements for all checking, savings and asset accounts. (3 months for all CHB loans)
- Names, addresses, and account numbers of all creditors
- Certificate of eligibility (VA only)
- Obtain home inspection, if required by contract. Contact your Agent. Refer to your contract for a time frame for inspection to be completed.
- Obtain wood-destroying insect and/or termite certification and/or guarantee. Contact your Agent. Refer to the contract for time frame for inspection to be completed.
- Obtain septic system certificate. Contact your Agent. Refer to the contract for time frame for inspection to be completed.
- Obtain water/well test, if required by contract. Contact your Agent. Refer to the contract for time frame for inspection to be completed.
- Obtain fire and/or homeowners insurance policy on your new home. Contact Your Agent.
- Choose your attorney or title company.
- Set-up with your agent, a time and date to do the final walk-thru of the property.
- PRIOR to the settlement, transfer all utilities to your name.
GTE 1-800-483-4600
Columbia Gas 1-800-237-4107 / People's Gas 1-800-764-0111
Electric
TV Cable
Water Company
- Notify fuel dealer, if applicable.
- Notify garbage/trash remover, if applicable.
- Get and send "change of Address" cards.
- Notify state Motor Vehicle Division of change of address.
- Register to vote at the Somerset County Registrations and Elections.
