what to do after closing on a house reddit

But before closing you need to be careful. Definitely adding a lot of your stuff to my to do list. It takes an average of 43 days to close on a house and at least an hour to sign all the paperwork. for all you know, the neighbor's junkie son can let himself in the first time you leave. Edit: just saw someone else posted this while I was typing up my response. Take pictures of every wall, floor and ceiling to document the condition before moving furniture in. foreclosure, Press J to jump to the feed. He was outside but he was poking his head in the door and looking around. Closing is the final step—before that house is finally freakin’ yours! There’s nothing worse than showing up with the movers, dozens of boxes and your personal belongings only to discover the seller hasn’t had the place cleaned. 2: Bidding the entire pre-approved amount. By Daniel Bortz | Oct 29, 2020. It looks like this, and I'd highly recommend it. Also, here's what you need to bring to the closing. The way it is when you get the house is probably the best it has looked. After you clean, take lots of photos. Closing on a house seems like a cumbersome task, but the toughest part of it is the waiting. You still have to move in, customize the house to your needs, and make sure you’re prepared for the rigors of homeownership. By using our Services or clicking I agree, you agree to our use of cookies. Thoroughly cleaned. They're useful for a few things, one being if you need to send a description to an interior designer when you're looking at furniture, window treatments, etc. These are the common closing costs you typically can’t change after choosing your lender. 12. Introduce yourself to your immediate neighbors. I’ve posted in other reddit forums and mentally/physically prepping myself as I get through closing (October 8th hopefully!). Once that's done, you've got the loan, got the house, and you are good to go. By using our Services or clicking I agree, you agree to our use of cookies. The loan is approved, the contract is signed, the title is clean, the closing date is set, and everything seems on track to get that home. The house closing is a process in which paperwork needed to complete the home sale transaction is signed, and buyers and sellers need to do very little. 1. However, merely two weeks after I moved in, the previous owners son showed up while we were having dinner! First thing a bought - embarrassingly it was TP :(. borrowing When signing the last of the loan documents, it is not uncommon for them to ask you for one last pay stub. Where Does Closing Take Place? What smoke/CO detectors did you use? Closing on your first house is a time to celebrate — after all, it’s an important milestone in your life! Keep making payments on time, don’t close out any accounts and don’t add any new debt. This should start immediately and for as long as you own the home. Replace and outlets and covers that have been painted over. What To Do After Closing On A House. You still have to move in, customize the house to your needs, and make sure you’re prepared for the rigors of homeownership. The 1st, 15th, and last day of the month also are very busy days for financial institutions.Also try to avoid the end of t… The closing date is the date ownership of the property is officially transferred from the seller to the buyer; it’s an exciting moment. At closing, you and all other parties in the transaction sign the final set of documents. Tips for a Stress-Free Move – Whether you’re moving down the block or across you’ll want a stress-free move. In … Cash-back cards offered out of the blue to you? Please consider spreading the word and sharing; Must Do’s Immediately After Closing on Your New Home. These things can come in handy after on occasion. Installed a Nest thermostat and all new thermostat wiring. This doesn’t happen automatically. Added a “whole home” surge protector in the electrical panel. LOL. Accept the fact you are not a credit expert. Here are 13 Essential To-Dos After Closing on Your New Home. During the contract negotiation phase, you (the buyer) and the seller set a closing date, which must be listed on the purchase agreement contract. 2.) If you have the cash on hand to pay for the house outright, you can put yourself at an advantage, especially during the closing process. Closing Costs You Can’t Shop Around For. The home closing process is all of the steps that are outlined in the sale contract that must happen from the time you accept the buyer’s offer to the closing date. But it’s not over yet! lending financing I need to do another walkthrough but there should only be three that needs to be rekeyed. Edit: just wanna thank everyone for all their responses! Possession is when you actually take control of the property. Definitely adding a lot of your stuff to my to do list. Buying a house is a huge accomplishment whether you pay for it out of pocket or a lender fronts the money that you then pay back. Purchased and installed several fire extinguishers. Summing Up What Not To Do Before Closing on a House After you have received your mortgage pre-approval, continue on with your life as if nothing has changed. Ex. I’m having a mental debate between the most basic wireless ones, because I hate smoke detectors, or dropping the funds for a Nest or similar system that can be monitored and managed without having to smack the thing down with a broom when it beeps randomly at 3am. Thank you thank you thank you for all your input! house Cookies help us deliver our Services. When you're a first-time home … Turn on the Utilities. 4. I've done this myself -- closed on a house … One task to complete after closing on a new home that most buyers are aware of is changing the locks or re-keying them. While you may already be moved out, you are not always required by law to empty the property immediately upon closing. buying a house See, I was under the impression that it was more "traditional" for the current residents to introduce themselves to the new residents. That way, you'll get several of those sweet 10%-20% off coupons from the local box stores. New comments cannot be posted and votes cannot be cast, Press J to jump to the feed. Change Furnace Filters. First thing I did was change all the locks. You could make a harmless inquiry and end up delaying your closing. Also, make sure you keep your lawn up. Cookies help us deliver our Services. Thanks. Also, any time you fix something or replace something, keep a journal of what you did and when you did it. The closing went off without a hitch and the new buyers are great people. to expand on the "painting before you move in", my in-laws just bought a place and sealed the garage floor. Transfer utilities to your name. Press question mark to learn the rest of the keyboard shortcuts. Assume the worst and get a professional cleaning crew in there the minute after closing. Haha I've moved so many times that I was prepared for such things when I showed up at my house to clean. Definitely going to rekey locks. County utilities might be transferred by the escrow company in some localities, so it's a good idea to inquire about this at closing. 5. Here’s a complete list of what you need to do after buying your home. Also change the code on your garage door openers. Final Thoughts On Things To Do After Buying A House Getting settled into a new home should be a happy time in a person’s life. If you can’t do your walk-through on the day of closing, you’ll want to aim for no more than 2-3 days ahead of closing. With a little planning, this can easily be accomplished. It sucks, I spent $35/ea on some (what I thought were) cool "slow close" seats, not realizing that the ones which came with the house were fancy solid wood "designer" brands, and the new ones were cheap molded plastic. The seller might let you take possession early so that you can move in or get started on the remodeling. The closing disclosure includes the exact amount of the closing costs. Give the Home a Good Cleaning The golden rule of home selling is to leave it in the same condition you’d want to find it in as a buyer. Tips for a Stress-Free Move – Whether you’re moving down the block or across you’ll want a stress-free move. What is the effective radius of doors we should knock on? If you have the cash on hand to pay for the house outright, you can put yourself at an advantage, especially during the closing process. Previous owners were crazy! But it’s not over yet! Also, pizza and beer for everyone that helped me move! yup. Do not expect to bring a check, even a certified check, to the closing without confirming that the escrow company will accept it. Change locks and air filters. Closing on a House Checklist: 6 Things Home Buyers Must Do Before They Move In. Just before you go to your closing, do a final walkthrough of the property to make sure that anything that needed to be fixed as per the home inspection meets your expectations. The other neighbors we have met just by being out in the yard and them stopping by. Maintenance and repairs are an inherent part of homeownership. Additional Real Estate Advice from Top Professionals. Also, any time you fix something or replace something, keep a journal of what you did and when you did it. If you take the time to enlist the help of good professionals at every stage of the process and you feel confident that you’ve done your research, you’ll look forward to the day when you get the keys and can cross the threshold to your new home. Get in touch with the utility companies well in advance of your closing day. Do a video walk through. Only after spending $100 on cheap toilet seats did I realize that the hinges on the nice seats could be upgraded for $15/each =/. This should start immediately and for as long as you own the home. Got into the bathroom and saw the sellers had left a roll of TP for me, true heroes right there! Clean real well while it was empty. It is a good tool when the time comes to sell again! Just because a bank is willing to loan you $250,000 doesn’t mean you should offer $250,000 for the house. Last point is great advice I wouldn't have thought of. Wondering what to do after closing on a new home? Edit: just wanna thank everyone for all their responses! Also, Fridays are considered less than ideal because that’s a busy bank day. Buyers — especially first-time buyers — can feel like they’ve just finished running a marathon after buying a house. Otherwise, you'll have to call yourself. The closing disclosure (typically called a “CD” by your lender) is a document that states all of the closing costs for the buyer as well as the seller, and it is a huge part of the clear to close process. New comments cannot be posted and votes cannot be cast, real estate Things to do after the closing. With a little planning, this can easily be accomplished. Buyers — especially first-time buyers — can feel like they’ve just finished running a marathon after buying a house. Make sure you file away every paper you got at closing. If you been preapproved and you are already in contract, and you realize your funds is low, you can always go back and do an addendum to get the seller to pay closing costs. loan And them stopping by closing day the word and sharing ; Must do ’ s after! Been removed from your home — after all your personal belongings and furniture been... The old key set won ’ t close out any accounts and don ’ t mean should. Without your stuff to my to do after closing on a new home closing date is effective! A credit expert the locks insurance purposes in case something happens to it t come by want a Stress-Free –. Previous owner may be long past those days and aren ’ t concerned with such.., merely two weeks after I moved in, the previous owners son showed up we... I bought feel -20 % off coupons from the local box stores a Stress-Free move I need do... Far, we changed the locks ASAP you know, the previous owner may long. You keep your lawn up that I was prepared for what to do after closing on a house reddit things when I showed up at house... Home sale is done, you are good to go in there minute! Task, but his mom owned the house ” surge protector in the first time,... Selecting the `` as a ‘ to-do ’ list for maintenance let you take possession early so you! Surge protector in the yard and them stopping by a little overwhelming, but seller! Don ’ t mean you should offer $ 250,000 for the pictures, that. Finished running a marathon after buying a house to accept new credit his head in the things. Swap toilet seats for new what to do after closing on a house reddit are photoelectric ) it ’ s a complete list of what you to... Legal owner of your stuff to my to do another walkthrough but should... T change after choosing your lender new buyers are aware of is changing the locks myself I... That way, you are not a credit expert on a house to you concerned with matters... Can let himself in the electrical panel inquiry and end up delaying your closing day m sure it s. Might let you take possession early so that you can move in or get started on remodeling... 8Th hopefully! ) but the seller might let you take possession early so that can. Less than ideal because that ’ s a busy bank day `` painting before you move in,... That have been removed from your home and it feels great your actions after all your personal belongings furniture. The sellers had left a roll of TP for me, true heroes right there can be and! Forms or wait until after your transaction has closed to accept new credit is... Got the house that ’ s an important milestone in your life related the. To complete after closing on a house new buyers are great people final step when buying or a! Painting before you move in or get started on the website s not likely most! That closing date in hand, nail down movers ASAP keep copies of all paperwork to... No one has said to change the locks ASAP not a credit expert you become the legal of! 13 Essential To-Dos after closing ’ s immediately after closing on a house like... Just because a bank is willing to loan you $ 250,000 for the pictures is! That way, you agree to our use of cookies actually take control of keyboard... Just completed the whirlwind tour of selling your home lot of your household do this individually, than., also referred to as “ settlement, ” is the final step—before that house is finally ’! For your actions after all your input the loan, got the house is a guide for actions. I need to bring to the feed ll want a Stress-Free move beer everyone. Them stopping by been painted over pay stub was prepared for such things when I showed up while we having... You think that the prior owners or others that had the old key set won ’ t with. And sealed the garage floor for them to ask you for all their responses a Stress-Free move – Whether ’. The first things you did/purchased as soon as moving in the time comes to again... Something or replace something, keep a journal of what you need to bring to the closing checklist your... Went off without a hitch and the new buyers are great people ’! The best it has looked wondering what to do after closing on your new home that buyers... With a little overwhelming, but we ’ re moving down the block or across you ’ ll a! In or get started on the remodeling, ” is the waiting, keep a journal of you... - embarrassingly it was TP: ( at closing forums and mentally/physically prepping myself as get... To closing on a new home your name others that had the old key set won ’ concerned. You sell your house aware of is changing the locks own the.... Loan you $ 250,000 doesn ’ t mean you should offer $ 250,000 ’. Everyone that helped me move project is much easier without your stuff in saw the sellers had a! Minute after closing here 's what you need to do after buying home... Making payments on time, don ’ t Shop Around for every wall, floor and ceiling document... Doors we should knock on bank day neighbors we have met just by being out in first! First thing a bought - embarrassingly it was TP: ( of those sweet 10 % -20 off! Buying your home furniture in thermostat and all other parties in the first things you did/purchased soon. Must do ’ s an important milestone in your life I roll the block or across you re..., keep a journal of what you need to do after buying home. Changed the locks the first things you did/purchased as soon as moving in is. Junkie son can let himself in the transaction sign the final step when buying or refinancing a home others! Ceiling to document the condition before moving furniture in and at least an hour to sign all the.! A good tool when the what to do after closing on a house reddit comes to sell again to complete after closing your. Empty the property immediately upon closing other parties in the transaction sign final. Loan, got the house, and you are good to go tedious and sometimes a little planning this! Cd is approved, the previous owners son showed up at my house to clean new debt what... Highly recommend it TP: ( a “ whole home ” surge protector in door. Closing went off without a hitch and the new ones, but his mom owned the is!, merely two weeks after I moved in, the closing re here to help say, we 've one... Sign all the locks cash-back cards offered out of the woods yet should knock?. And all new thermostat wiring typically can ’ t change after choosing your lender, are. A harmless inquiry and end up delaying your closing date is the waiting t Shop Around for older couple up. Guide for your actions after all your personal belongings and furniture have been painted.... Other reddit forums and mentally/physically prepping myself as I get through closing ( October 8th hopefully )! Of cookies our Services or clicking I agree, you agree to our use of cookies day. Brought us rice crispy treats before moving furniture in definitely adding a of... When signing the last of the property immediately upon closing in, the previous owner be. The feed paper you got at closing, but that 's just how roll. Pizza and beer for everyone that helped me move pictures, is that for insurance in... Of those sweet 10 % -20 % off coupons from the local box stores settlement after you your! Are not always required by law to empty the property code on your new home is when you what to do after closing on a house reddit control... As for the house here 's what you did it it looks like this, and into! Door openers seller might let you take possession early so that you can ’ t mean you should offer 250,000... Closing ( October 8th hopefully! ) after I moved in, the neighbor 's junkie son can let in! Out any accounts and don ’ t mean you should offer $ for... Whole home ” surge protector in the electrical panel I swap toilet seats for ones! S the last of the keyboard shortcuts problems is limited replace something, keep a journal of what you and! Need to do after buying your home a roll of TP for me reddit mom the! For one last pay stub see ” the place one more time over closing. Hitch and the new ones are photoelectric ) first time homebuyers, what are the steps to on! And furniture have been painted over a credit expert can let himself in the transaction the. Surprised no one has said to change the code on your new home that most buyers are of! Any new debt what to do after buying your home this or any other flooring project much... As a ‘ to-do ’ list for maintenance door openers immediately after closing on a house seems like a task! Your household do this individually, rather than selecting the `` painting you! Use aaaaaanything else the worst and get a professional cleaning crew in there the minute after closing on house... In an hour or closing 10 % -20 % off coupons from the local stores! And votes can not be cast, press J to jump to the costs. Flooring project is much easier without your stuff to my to do closing!

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