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Tag: Homebuyer Tips

  • How to Change the Locks on Your New House

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    One of the most important things to do after buying a home is take steps to keep it safe. For some, that might mean installing security cameras or other safety measures. But something as simple as changing locks on your house can go a long way when it comes to adding an extra layer of security. So, how do you replace the locks in your house? And should you call a professional, or is this a potential DIY project? This Redfin article covers all that and more.

    Why should I change the locks on my new house?

    While the existing locks on your house probably work just fine, it’s still recommended to replace them after moving in for security reasons. If the previous owner ever lost their keys and kept the same locks, a replica could be floating around, which could be a problem if they ever fell into the wrong hands.

    It’s also an opportunity to upgrade — maybe you want a smart lock for convenience or a style that better matches your home’s curb appeal. Once you’ve decided on the type of locks you want, the process for changing them is straightforward. Here’s how to do it:

    How to change locks on your house

    1. Take an inventory of all the doors that need new locks

    Make a note of how many of your house’s doors lead outside. Each of these doors will need new locks, not just the main entrance, so you’ll need to buy a new lock for each.

    2. Buy new locks and gather tools

    When buying new locks, an important detail to keep in mind is the brand of the old ones. In many cases, different locks from the same brand will fit better than those from another company.

    In terms of tools, this is a relatively simple project. You should only need a measuring tape to make sure the new lock fits the opening and a screwdriver to remove the old lock and install the new one.

    3. Remove the old locks from the door

    To remove the existing locks from your doors, begin by using your screwdriver to remove the screws that are holding them in place. From there, you can remove the outside plate, then open the door and unscrew the plate on the side as well as any other components of the lock.

    4. Install the new lock into the door

    Once the old lock has been removed, it’s time to install the new one. Be sure to closely follow the instructions on the lock kit, placing the deadbolt and other parts into the proper place before securing them in place with screws.

    5. Test the new locks

    New locks are great, but it doesn’t matter if they don’t do the job they’re designed to do. Make sure you test out each of the locks after installing them. Defective locks will give you a false sense of security and leave your home vulnerable to intruders. If any components of the lock seem loose or the door doesn’t lock properly, consider reinstalling the lock or calling a professional to check it out.

    6. Make extra copies of keys for the new locks

    After your new locks have been installed, all that’s left to do is make keys for those locks. Make sure everyone who lives in the house with you has their own copy of the key. 

    Pro tips for smoother installation and better security

    • Key all locks the same. Have a locksmith or hardware store set your new locks to use a single key. This makes it easier to get in and out without fumbling for the right one, especially if you have multiple exterior doors.
    • Upgrade the strike plate. Install a heavy-duty plate with 3-inch screws that anchor deep into the wall stud, not just the door frame. This simple upgrade can make it much harder for someone to force the door open.
    • Keep old locks and keys. Store them in a labeled bag in case you want to reinstall them later. This can come in handy if you move, rent out the property, or need to return the home to its original condition.
    • Check door alignment first. A poorly aligned door can keep even a new lock from working smoothly. Look for signs like the door sticking, the deadbolt not lining up, or needing extra force to close.
    • Choose rekey-friendly locks. Some brands let you rekey at home without replacing the entire lock. This is useful if you lose a key, have a tenant move out, or simply want to change keys without buying new hardware.

    FAQs about changing the locks on your house

    How much does it cost to change locks on a house?

    On average, locksmith services like replacing locks and rekeying cost between $130-$320. Keep in mind that hiring a locksmith will also incur labor costs on top of the cost of buying the actual locks. If you can handle home improvement projects on your own, doing it yourself might be the way to go.

    When should I call a professional to change a lock?

    If you’re not particularly handy when it comes to DIY projects, it’s probably best to leave this to the pros. Additionally, if you’re installing a more complex lock, like a smart lock, self-installation might not be an option.

    Should I rekey locks instead of replacing them?

    Rekeying locks, or changing the locking mechanism so that a new key unlocks it, is a less expensive alternative to completely changing the locks. This is a solid option if you’re happy with the current condition of your locks. However, if your house’s locks are in poor shape, this might not be the best solution.

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    Chibuzo Ezeokeke

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  • How Long After Closing Can You Move Into Your New Home?

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    Buying a home is exciting, but one of the first questions most buyers ask is: “When can I actually move in?” In many cases, most buyers can get the keys and start moving in immediately on closing day. But depending on agreements with the seller, new construction, or administrative timing, your move-in date could be a few days – or even weeks – later.

    Here’s what to expect and how long after closing you can realistically move in.

    How long after closing can you move in?

    The answer depends on one key detail in your purchase agreement: the occupancy date. 

    This is the official date when you’re legally allowed to take possession of the property. For most buyers moving into a standard, move-in-ready home, this date coincides with closing, meaning you can usually get your keys and start moving in immediately.

    But if your contract sets the occupancy date later – whether for a seller rent-back or other reasons – you’ll need to wait until that date arrives. Understanding your agreed-upon occupancy date will help you plan your movers, utilities, and any interim housing without surprises.

    Moving in on closing day

    So, can you move in on closing day? In many cases, yes. If your occupancy date is the same as your closing date and the sale is funded and recorded that day, you can pick up the keys and start moving in right away. For the majority of homebuyers purchasing a ready-to-occupy home, moving in on closing day is the norm.

    Scenarios where your move-in date might be after closing

    While many buyers move in the same day they close, it’s not unusual for the occupancy date to be set for a later time. Sometimes this is simply part of the negotiated terms in your purchase agreement, while other times it’s tied to practical or legal requirements. Here are situations where your occupancy date may come after closing.

    1. Short grace period for sellers: agreed-upon delayed possession 

    Timeframe: A few days to a week

    Sometimes, a seller may stay in the home after closing, or the buyer and seller may agree on a later possession date for mutual convenience. For example, a seller might need an extra few days to finalize their move, especially if they’re coordinating with the closing on their next home or arranging temporary housing. In these cases, the buyer legally owns the home but agrees to let the seller remain for a brief, specified period.

    The key is that this arrangement is agreed upon in advance and documented in the possession or occupancy clause of the contract.

    2. Rent-back or lease-back agreement

    Typical timeframe: A few days to a month or more

    In a rent-back or leaseback agreement scenario, the seller remains in the property for a set period, often because they need time to move, are waiting to close on another home, or are relocating. 

    During this period, you technically own the home, but the seller acts as a temporary tenant. The agreement outlines critical details such as the daily rent, security deposit, utility responsibilities, and a firm move-out date.

    3. New construction finalization

    Typical timeframe: Days to weeks for completed homes; months for pre-construction purchases

    When buying a new construction home, your closing date and your actual move-in date don’t always align. In many cases, buyers close on the property either just before or after the home is finished. Even after you’ve signed the paperwork, the builder may still be completing final tasks like installing fixtures, connecting utilities, finishing landscaping, or addressing small punch-list items identified during your walkthrough

    In many areas, you also can’t move in until the home passes all required inspections and a certificate of occupancy is issued, confirming it meets local building codes and is safe to live in. These final steps can be affected by weather delays, supply chain issues, or inspection scheduling, so it’s smart to confirm the builder’s timeline well before closing.

    4. Delays in closing that affect move-in

    Typical timeframe: Same day to 1-3 days

    Even in a move-in-ready home, delays during the closing process can push back when you receive your keys. For example, funding issues, last-minute lender requirements, or delays in recording the deed at the county office may prevent the transaction from officially completing. 

    While these delays technically affect your move-in, they are administrative rather than contractual. Once the closing is finalized, possession of the property usually proceeds as normal.

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    Mekaila Oaks

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  • Home Buying Checklist: A Step-by-Step Survival Guide for the Home Buying Process

    Home Buying Checklist: A Step-by-Step Survival Guide for the Home Buying Process

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    Owning a home—whether it’s a cozy house in Seattle, a townhouse in NYC, or a charming home in Nashville—is a dream for many. With recent drops in mortgage rates, now might be the perfect time to turn that dream into reality. However, the process of buying a home can feel overwhelming, especially for first-time home buyers. This home buying checklist is designed to simplify your journey, guiding you through each step to help you confidently achieve homeownership.    

    1. Know how much house you can afford

    Determining how much house you can afford is the first step in the home buying checklist. Setting a realistic budget will relieve stress in the long run and help narrow your home search. Here are the steps to determine how much house you can afford:

    First, calculate your debt to income ratio (DTI). This is your monthly expenses versus your cash intake, or the bills you pay divided by your gross monthly income. Debts include recurring bills, such as car payments, daycare expenses, and student loans. Most lenders require your DTI to be no higher than 43%. 

    Be sure to build some breathing room into your budget, so you have money to spend on activities you enjoy and any emergencies that may arise. 

    The safest rule of thumb dictates that your mortgage loan payment should not exceed 28% of your monthly gross earnings. Your lender will use this number as an initial benchmark in their calculations to determine the loan amount for which you may qualify. 

    Here’s an example: 

    Let’s say your monthly gross income is $8,000. Multiply $8,000 by 28, which equals $224,000. Then, divide that by 100, resulting in $2,224. According to the 28% rule, this is the maximum monthly mortgage payment you could afford, including principal, interest, taxes, home insurance (PITI), and mortgage insurance.

    2. Save for a down payment

    If you can pay 20% of a home’s purchase price as a down payment, you’ll likely secure a lower interest rate, potentially saving you thousands over time.You’ll also find that your monthly mortgage payments are smaller because you owe less on the house.

    A 20% down payment also eliminates the extra monthly payment for private mortgage insurance(PMI).PMI is a type of insurance often required if you make a down payment of less than 20% of the home’s purchase price. PMI is added to yourmortgage payment to protect the lender—not you—if you stop making payments on your loan. 

    One of the most helpful tips to save for a down payment is to set a budget and stick to it. Calculate your net income, track your spending, set realistic goals, use the 50/30/20 rule, and adjust your spending to stay on budget.

    Depending on your situation, there are loans with much lower down payment options, ranging from 3.5% to 10%. Veterans may even qualify for a VA loan, which requires no down payment. Regardless of your circumstances, it’s wise to start saving for your down payment. . Make sure to see if you’re eligible for down payment assistance programs that can help reduce the amount of money you put down on a house.

    Here are three tips for saving for a downpayment:

    1. Automate your savings: Set up an automatic transfer from your checking account to a dedicated savings account each payday. This ensures you consistently save without the temptation to spend that money elsewhere.
    2. Cut unnecessary expenses: Review your monthly subscriptions, dining out habits, and other non-essential expenses. Redirecting these funds toward your down payment can accelerate your savings.
    3. Consider a side hustle: Taking on a part-time job or freelance work can provide extra income specifically for your down payment savings, helping you reach your goal faster.

    house for sale checklist

    3. Check your credit rating, and if necessary, take steps to improve it 

    The third step in the home buying checklist is improving your credit score. Yes, it is still possible to buy a house with bad credit. However, the type of loan you’ll qualify for – and at what interest rate – will depend on your credit score. Lenders use your FICO score, a number between 300 and 850, to determine your creditworthiness for a mortgage. To get a conventional loan, you’ll need a score of at least 620. However, scores over 760 will earn you the best rates and terms. 

    Your lender can guide you on which debts to pay down first and which credit lines to keep open to improve your credit.  “You’ll want to avoid doing anything that could affect your credit score or your debt-to-income ratio, which measures your total debts against your monthly income. ,” states Ashwin Dayal of  Orchard Mortgage. “Opening new lines of credit, such as a car loan or store credit cards, could potentially delay your closing process.”

    The money-saving tips in step two of the home buying checklist can also boost your credit score. If you spot errors on your credit report affecting your rating, consider a credit repair company to help fix the issues.

    For more tips on improving your financial standing, check out this helpful Redfin article on boosting your credit score quickly. It’s a great guide to help you get closer to your homeownership goals. You can read it.

    2. Find a real estate agent you trust

    A real estate agent will be with you every step during the home buying process and will offer expert knowledge of the local housing market. They can advise on whether a home is listed at a fair asking price, what to make of the home inspection, assist in the negotiation process, and explain the paperwork involved in the closing process.

    Find a real estate agent who listens to you, understands your goals and needs for buying a house, and has the resources to help you succeed. Ask your friends and family for referrals to an agent they’ve worked with and felt did an excellent job representing their interests. If you’re moving to a new area, look at online reviews and see who you think would be best to represent your interests and who will take the time you need to find your perfect house. 

    Be sure you are comfortable with the person you choose – the home buying process can be stressful, and having an expert by your side who has your best interest in mind is imperative. They’ll guide you through many of the later steps in the home buying checklist.

    5. Research mortgage options and get pre-approved for a home loan

    Different lenders – banks, credit unions, and mortgage companies – all offer different mortgage loan options. It’s critical to research and shop around to get the best possible deal, so do your research and ask questions before deciding on the lender to finance your purchase. Here’s more about mortgage companies and what to look for, in their own words:

    • “A mortgage company offers the borrower access to a wide range of loan products and helps streamline the home buying process,” shares MSA Mortgage. “Loan originators will act as financial advisors to get the borrower the loan that best fits their situation. They’ll also stay in touch with you every step of the way from pre-approval to closing day as well as for the lifetime of the loan.”
    • “A mortgage company can help you cover your financial weak points,” shares Dayal from Orchard. “The key here is that a good mortgage provider can help you have the highest chances of affording your dream home while structuring it right for your unique financial situation. A mortgage company can also make your home offer stronger and optimize your buying power.”. 

    Once you have selected a lender you want to use and before you start looking at homes, get a mortgage pre-approval. A pre-approval includes a maximum loan amount and puts the agent in a position to negotiate with confidence on your behalf. It also strengthens your offer to the seller because a bank is already willing to lend you the money, improving the likelihood of closing the sale. This is an essential step in the home buying checklist. 

    6. Discover the area and neighborhoods you’d like to live in

    Explore different neighborhoods and locations to get a feel for whether you would like to live there. Maybe you’re moving from Downtown Portland to rent an apartment in Chicago. Or perhaps you’re renting a house in Fort Worth, TX, and interested in relocating. By understanding your preferred areas early on, you’ll be better positioned to find a home that meets your criteria in a location you love.

    Look for local amenities and services that support your lifestyle, such as a school, hospital, grocery, other retail shopping, a gas station, or public transit. Drive around at different times to see what’s happening in the neighborhood. Check it out during the week, on weekends, and during the day and evening. 

    buy house checklist

    7. Know your priorities to find your perfect home

    Once you have zeroed in on a neighborhood or area you like, figure out what the perfect home for you looks like. Do you love Mid-Century Modern-style houses or prefer Victorian-style houses? Are you looking for a single-family home or a condo? Front porch or back deck? The options are endless.

    You’ll also want to decide how many bedrooms and bathrooms you prefer and the overall square footage of your ideal home. Don’t worry about every nook and cranny of the home, but understand that an average two-bedroom home in the U.S. is between 1,600-1,800 square feet. A “small” house is less than 1,000 square feet. While a “large” house comes in at 3,000 or more square feet. 

    Now that you’ve set your search criteria and started looking for a home, you’ll want to make a list of your “required” and “nice-to-have” home features before you begin your home tours. Your real estate agent can help you narrow your search by using multiple listing services (MLS) results.

    8. Attend open houses and home tours

    Arguably the most enjoyable step in the home buying checklist is attending open houses and home tours. Watch the ads for open houses and start visiting the homes that fit your criteria. If they are in your chosen location, that’s ideal but not essential. Open houses outside of your desired location can be considered test houses, which will at least give you an idea of what’s on the market in your price range. 

    You can also attend virtual home tours if you don’t have the time to make it out to a house you want to look at or if you are moving cross-state or cross-country, for example. Video tours can help you identify the type of home you like, the layout you want, and the features you like or don’t want in your home. 

    9. Make an offer

    If you’re pre-approved and find the right home during one of your home tours, you’re ready to make an offer. Your real estate agent will help decide how much to offer on a particular home, complete the offer letter, and ensure you’ve included all the important details in your offer – timing, exclusions, contingencies, etc. Your agent sends your offer to the seller’s real estate agent, who decides if they agree with your offer price and terms. This usually requires the home buyer to include an earnest money deposit that will be put into escrow, typically 1-3% of the purchase price. Once your offer is accepted, this money will be applied to the mortgage closing costs and down payment.

    An offer below the asking price might be rejected in more competitive markets. However, in a slow market, home buyers might have a chance to offer below the asking price and get their offer accepted.

    Three tips on making smart purchase offers:

    • Match your offer to the market: In a competitive market, offer closer to the asking price; in a slower market, you may have room to negotiate.
    • Minimize contingencies: Reducing or waiving contingencies can make your offer more attractive to sellers.
    • Be flexible on timing: Aligning your closing date with the seller’s needs can give your offer an edge.

    10. Negotiate

    During the negotiations phase of this home buying checklist, an excellent real estate agent demonstrates real value to help buyers and sellers strike a deal. Your real estate agent can help you determine what to include in the offer. They can also help guide how you should respond to a counter-offer when the seller didn’t agree to your first offer but didn’t reject it outright. They may counter some or all of the requests in your offer. You can determine whether you can go along with the counter-offer items and if you’ll counter back. For more tips on navigating negotiations, here’s a helpful article on how much you can negotiate on a house.

    real estate for sale

    11. Find a great home inspector and schedule a home inspection

    You’ll want to get an inspector to walk through the home to ensure there are no major repairs, system issues, or unforeseen costs and liabilities. They will check that the plumbing, electrical, and fixtures (like windows) are up to code and ensure there are no maintenance issues. Your lender may require all this to close the loan, and your agent can help you set it up.

    “A home purchase is one of the largest single investments you will ever make,” says Vegas Valley Inspections. “You should know exactly what to expect — indoors and out — in terms of needed and future repairs and maintenance. An inspection will uncover hidden issues, such as structural problems or roof leaks, and offer a professional assessment of the property’s condition. This process helps you avoid unexpected surprises and gives you a clearer picture of what you’re buying, including positive aspects and necessary maintenance to keep the home in good shape.””

    Nearly every home inspection reveals minor problems, at the very least. But, watch out for these red-flag items that come up in the home inspection, which come with varying but sometimes significant costs to repair or replace if you make an offer on the house:

    • Roof – look for shingles that are curling or peeling.
    • Windows – are they clear, or do they show evidence of moisture or fog between the panes? Are they single- or double-pane?
    • Furnace – is there a sticker indicating that most recent service date? Is it more than 15 years old, and is it working? 
    • Air conditioning – is it more than 15 years old, and is it working?
    • Water Heater – is it more than ten years old? Is there any rust or calcium build-up around the base?  
    • Flooring – look at the floor’s condition and determine if you can clean it up or if you’ll need to replace it before moving in. 
    • Paint – how has the paint held up, both interior and exterior? Is it dirty but solvable with a good cleaning, or will you need to repaint it? 

    Be fair, but factor in your anticipated repair and maintenance costs in the short term. You may not need everything in perfect condition if the house fits your criteria otherwise, but you want to understand your risk of significant expenses in the near future.

    12. Get a home appraisal

    “Typically, the appraiser will walk through the property to observe its physical characteristics and condition, making notes of its features and amenities,” shares R. Scott Dugan of Dugan Appraisals in Las Vegas, NV. “The appraiser will compare the subject property’s characteristics to recent sales of similar homes in the same area, adjusting for significant differences between the subject property and those sales. The next step is reviewing the data and reconciling the adjusted sales into a single-point value opinion for the subject property. Depending upon the property type (urban location, luxury quality, rural location, etc.), the appraisal can take several days to several weeks.”

    Your lender will send in a home appraiser to determine if the home’s value is equal to or less than what you offered to pay. Several factors may be at play here, but the offer and appraised value should be close for your lender to finalize your home loan. Every lender differs in their specific criteria. 

    13. Renegotiate

    If your home inspector or the appraiser finds fault in the home, you may want to renegotiate your purchase offer. Your real estate agent can help you with this process, which allows you to adjust your offer in light of the findings or cancel the offer altogether. On the original offer, these items are often called contingencies

    14. Hire a real estate attorney to make sure you’re covered

    In some states like New York, a real estate attorney is required. However, even if it’s not required where you live, if you are not using a title company to finalize the purchase, it’s in your best interest to hire a real estate attorney. A real estate attorney will review your offer and all related documents, like the inspection and appraisal. They’re equipped to know the answer to legal questions that may arise and will ensure you didn’t overlook anything in the contract and that all the agreements you and the seller made are fulfilled. 

    Trust us, having peace of mind with one of your life’s biggest purchases will be worth the extra expense of hiring an attorney.

    residential house for sale

    15. Work with a title company

    “One of the first major milestones in the home buying process after your process is accepted is when a title company conducts a title search, or an examination of public records, to underwrite a title insurance policy and produce a title report,” shares Wyatt Millar of Doma, an innovative platform for a better closing experience. “The title report confirms legal ownership and reveals any claims or liens on the property that must be resolved before transfer. Lenders also require title insurance for both purchase and refinance transactions.”  

    Tip: Always review the title report carefully and ask your title company to clarify any issues or claims found during the search. This can help prevent unexpected surprises and ensure a smooth closing process.

    16. Close on the home and wrap up the home buying checklist

    You’ve made it – the big day is here. Purchase agreements are signed, inspections are complete, contingencies are met, and your lender has approved funding your loan. Now, you will exchange money and the deed will now transfer from the seller to you. Closing can take place in person or online through a secure portal. The deed gets recorded at the county courthouse, and you are now the property’s owner. A title company or a real estate attorney can close and record the transaction.

    “During the closing process, a title company helps a homebuyer secure legal ownership of a property and manage the secure distribution of funds,” states Qualia Labs, a cloud-based title, escrow, and closing platform. “Depending on the state, the company’s responsibilities may include checking the property title and issuing title insurance, managing the movement of money, preparing closing documents, and overseeing the closing to ensure the transaction goes smoothly..” 

    There are many moving parts to consider when you’re looking to buy a house. When you understand the basics, you’ll be in a good position to assess your credit, apply for a loan, and successfully navigate the actual house purchase. The trip to homeownership may seem daunting, but with this home buying checklist, you’ll be in control and be a homeowner in no time.

     

    If you are represented by an agent, this is not a solicitation of your business. This article is for informational purposes only, and is not a substitute for professional advice from a medical provider, licensed attorney, financial advisor, or tax professional. Consumers should independently verify any agency or service mentioned will meet their needs. Learn more about our Editorial Guidelines here.

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    Holly Hooper

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  • The Ultimate Final Walk-Through Checklist Before Closing on a Home

    The Ultimate Final Walk-Through Checklist Before Closing on a Home

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    You’ve nearly completed the entire homebuying process. From those early days of using a mortgage calculator to see how much house you could afford, to touring homes online or in-person, and then finally making an offer on your first home. Now here you are, the home inspection is complete, your bank’s appraiser has submitted their report, and the bank has given the green light to send settlement funds to the title company. 

    You’re almost at the finish line, and that home in Atlanta, GA, Phoenix, AZ, or wherever you’re moving, is almost yours. Except there’s just one last thing to do: the final walk-through. Luckily for you, Redfin has created the ultimate final walk-through checklist to help ensure a smooth closing.

    What occurs during the final walk-through before closing? 

    The final walk-through is your last chance – before you take ownership of the home – to ensure that: 

    • All requested repairs are complete
    • No new repair or maintenance issues have come up since the inspection
    • All of the agreed-upon fixtures and furniture, detailed in the contract, are still in place in the home
    • All systems and appliances that the seller indicated to be functioning correctly at the time of the offer are still functioning properly 

    While this can seem like a lot of items to double-check, you’ll be glad you took the time to do it right. Unfortunately, things can and do happen during the move-out process, while the house sits vacant or because the homeowner or contractor failed to complete a repair correctly.

    When should the final walk-through take place? 

    Ideally, the final walk-through should happen as close to closing on the home as possible. The seller’s possessions should be completely moved out, which gives you a better look at the home while it’s vacant, especially for any issues that furniture or appliances might have concealed. 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. 

    The last thing you want to do is take possession of your new home, and find out that a new problem has emerged since you were last in the house as a prospective buyer, which may have been weeks ago.

    Who should be present during the final walk-through? 

    The buyer and the buyer’s real estate agent are the only people required to attend a final walk-through. The seller should not be present unless the buyer makes a specific request for them to attend, in which case their real estate agent should also be there.

    It is also at the buyer’s discretion whether they’d like the home inspector or any of the professionals who made the repairs to be present. As the buyer, this may result in an additional charge from the inspector, but if you’re double-checking to ensure the work was done correctly, the cost will be worth it. 

    How long does a final walk-through take? 

    The time it takes to do the walk-through depends on the house’s size and how thorough you are in your examination. For a 1,200 square-foot house, it might take only 20 minutes to check all the rooms, closets, and cabinets. In a larger house, this process could take an hour or two. 

    Give yourself an appropriate amount of time to check all of the house systems, storage areas, interior rooms, and exterior features like sprinkler systems, power awnings, etc. No need to rush – you want to be sure there are no surprises when you move in, like a toilet that doesn’t flush or a missing appliance. 

    What should a buyer look for during a final walk-through? 

    The main point to keep in mind for your walk-through is that it’s not another home inspection. This is not the time to bring up entirely new items that you or your inspector did not find the first or second time around. This is a cursory inspection to ensure the house reflects the condition you remember when you made the offer. 

    final walk throug checklist for interior of a home

    The ultimate final walk-through checklist

    Determine before the final walk-through:

    Are the agreed-upon repairs complete and to your satisfaction? 

    Are the agreed-upon repairs complete and to your satisfaction? 

    Is anything missing from the home that should have been left, such as appliances, window treatments, or even the built-in bookcase? 

    Have items like garbage, old paint, or anything else been left behind by the seller? 

    Home exterior: final walk-through checklist 

    Do the gutters and roof look sound and intact from the ground level?

    Did the seller leave behind trash or other items – like yard chemicals, old paint, or cement mix?

    Are there any signs of pests— like decayed wood from termites or rodent droppings?

    Do the garage doors open correctly? You might receive the remote at the closing, so don’t be alarmed if it’s not at the house. You can always use the garage button inside the garage to run the doors.

    Does the doorbell work and is the mailbox in good shape?

    Home interior: final walk-through checklist

    Make sure the water, electricity, and gas are all on. Run major appliances like the washing machine, clothes dryer, dishwasher, stovetop, and oven – and check to be sure the refrigerator and freezer are running.  

    Run the heating and cooling (HVAC) system regardless of the temperature outside.

    Run the garbage disposal.

    Check and run any fans above the stove or in bathrooms.

    Check all the faucets in the home by running both hot and cold water. Ensure that sinks drain properly, and pipes and faucets don’t leak.

    Flush all the toilets and check for leaks to ensure they work and fill correctly. 

    Run water in all the showers and bathtubs.

    Test the ceiling fans and light switches in every room.

    Test any outlets that were repaired to make sure they work.

    Look for any new evidence of mold, especially in the corners of rooms and places previously covered by furniture. 

    Open and close all the doors and windows. Make sure they lock correctly. Are there any missing window screens or sticky doors?

    Look at all the ceilings, walls, crown molding, floors, and baseboards. Did the seller make all agreed-to caulking and paint repairs? Any signs of new damage after the seller moved out?

    Are all the fixtures intact? Fixtures are items like doorknobs, blinds, lighting, ceiling fans, and built-ins. These items shouldn’t be removed unless their removal was specified in your final contract. And they are considered different from personal property like table lamps that can be easily moved from room to room.

    If everything on this list checks out – congratulations, your home is move-in ready. 

    What should a buyer bring to the final walk-through? 

    As a buyer, you should bring:

    • Your original final offer, showing what both parties agreed to in the sale terms 
    • The inspection report – in particular, the summary of necessary repairs
    • Any written agreements between buyer and seller about the repairs 
    • A notebook to take notes
    • A phone that takes pictures or a camera to document any new damage or concerns
    • A small plug-in item like a clock, phone charger, or nightlight to check the outlets
    • And, of course, this final walk-through checklist of all of the items that should be looked over during this time

    During the final walk-through, you want to ensure that all parties have satisfied the terms of their agreements, and you’re not walking into a repair nightmare now that the home is yours.

    What part does the seller play in the final walk-through? 

    The seller must leave the house in “broom swept” condition, meaning they vacuumed, wiped down the countertops in the kitchen and bathrooms, and swept the floor. 

    They also must leave behind anything they agreed to in the sales agreement. They can’t decide after the fact that they want to take the window treatments along to their next home. It’s also not acceptable for sellers to leave behind belongings they just don’t want or need anymore, like old clothes, tools and other gear, or other items. 

    If damage occurred while removing pictures, televisions, or anything else hung or installed, the seller should make these repairs. Sellers should also review the agreed-upon offer to make sure they fixed everything on their list and left behind all the items they agreed to leave. 

    Mistakes and inadequate repairs happen, especially in the flurry of moving. This is why a final walk-through is so important.

    What happens if a problem arises? 

    Open communication is the key to solving most walk-through problems. First, talk to your real estate agent, who will then speak with the seller’s agent and explain the issue. It’s important to let the real estate agents on both sides serve in their designated roles, and you’ll likely come to an amicable solution. 

    Most experienced real estate agents will tell you that problems emerging during the final walk-through are rare, but do happen occasionally. If you find a problem that you cannot resolve on the spot, there are three common courses of action:

    1. You can delay closing until the repairs can be finished or new repairs are completed. 
    2. In some cases, it may make sense to negotiate appropriate compensation and take care of the repairs yourself.
    3. The least attractive option is to back out of the deal – which no one really wants. You and the seller are both vested in making it successfully to closing, which is why walk-through issues are usually resolved in a reasonable amount of time.

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  • Navigating West Virginia Home Inspections: A Guide for Homebuyers

    Navigating West Virginia Home Inspections: A Guide for Homebuyers

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    Whether you’re considering buying a home in Martinsburg, Harper’s Ferry, or anywhere else in the Mountain State, your homebuying process isn’t complete without a West Virginia home inspection. Many homes have issues that are easily overlooked and can be costly down the road. This Redfin guide will explain why it’s so important to get a home inspection before you finalize your purchase.

    Why should you get a home inspection in West Virginia?

    Getting a home inspection in West Virginia is a key step for both buyers and sellers. A thorough inspection provides valuable insights into a house’s condition, helping buyers make informed decisions and sellers address issues before listing. Given West Virginia’s diverse landscapes and climates, ranging from wooded areas to more urban settings, a home inspection ensures that specific regional factors are adequately addressed. Ultimately, a home inspection is a proactive measure to prevent unexpected surprises and fosters transparency in real estate transactions.

    Are there any specialized inspections that West Virginia buyers should consider?

    In West Virginia, buyers should consider specialized inspections to address region-specific concerns. “West Virginia is a 4-season state,” says Wanderson Silva of Dash Home Inspections in Martinsburg, WV. “Environmental testing like mold, termite, and radon is highly recommended. You should also consider well and septic inspections along with awater quality test.”

    Are home inspections required in West Virginia?

    Home inspections are not legally mandated in West Virginia, but they are highly recommended in real estate transactions. While the state doesn’t require inspections, that doesn’t take away from their importance for both buyers and sellers. The absence of a legal requirement places the responsibility on individuals involved in a transaction to recognize the benefits of a home inspection. Home inspections can prevent future issues, benefiting all parties involved in the homebuying process.

    How much is a home inspection in West Virginia?

    Home inspection costs in West Virginia can vary based on factors such as the property’s size, location, and additional services required. On average, a standard home inspection in the state may range from $300 to $600. However, specialized inspections, such as those discussed earlier,  may incur additional costs. While the expense may seem significant, homebuyers should also consider the potential savings and peace of mind that come with a home inspection.

    Can you sell a house in West Virginia without an inspection?

    In West Virginia, there is no legal requirement mandating a home inspection for selling a house. Sellers can list their properties without getting a pre-sale inspection. However, it’s important to note that many buyers in the state often request an inspection as part of the negotiation process. Opting for a pre-sale inspection can be advantageous for sellers, as it allows them to address potential issues early, potentially increasing the property’s market value and expediting the sales process.

    A final note on home inspections in West Virginia

    While West Virginia does not enforce mandatory home inspections, they are highly recommended for anyone involved in a real estate transaction. Buyers benefit from a comprehensive understanding of a property’s condition, while sellers can enhance their property’s market appeal by addressing potential issues in advance. The relatively modest cost of a home inspection is a worthwhile investment, providing a valuable layer of protection and transparency.

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  • Navigating South Dakota Home Inspections: A Guide for Homebuyers

    Navigating South Dakota Home Inspections: A Guide for Homebuyers

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    Navigating the process of home inspections in South Dakota can be a daunting task for many homebuyers, especially those who are new to the real estate market. This comprehensive guide is designed to demystify the home inspection process, offering crucial insights and practical advice specifically tailored for those looking to purchase a home in the beautiful state of South Dakota. So whether you’re looking at homes in Sioux Falls or anywhere else in the Mount Rushmore State, here’s Redfin’s guide on what you need to know about South Dakota home inspections.

    Why should you get a home inspection in South Dakota?

    Investing in a home is a significant financial commitment, making a thorough home inspection in South Dakota a crucial step in the process. A comprehensive inspection can uncover potential issues, ensuring you make the right decision about your purchase. From finding structural issues to assessing the condition of electrical and plumbing systems, a professional inspection provides a holistic view of the property, offering peace of mind and potentially saving you from unexpected expenses down the road.

    Are there any specialized inspections that South Dakota buyers should consider?

    In South Dakota, buyers may want to consider specialized inspections based on the property’s unique features or location. For homes in flood-prone areas, a flood risk assessment is advisable. Similarly, properties with extensive acreage may benefit from a thorough well and septic system inspection. Mold and radon testing are also prudent in certain regions. Customizing inspections to suit the property’s characteristics ensures a more targeted evaluation, addressing potential issues specific to the South Dakota landscape and climate.

    Are home inspections required in South Dakota?

    While South Dakota doesn’t legally require home inspections, they are highly recommended and often considered a standard practice in real estate transactions. “Home inspections are not required in South Dakota, but 92% of all homes that are sold are inspected in South Dakota,” says Nick Gromicko, founder of the International Association of Certified Home Inspectors. Opting for an inspection is a proactive choice that serves the buyer’s best interests. It provides valuable information about the property’s condition and can be a negotiating tool in the buying process, allowing buyers to address issues or negotiate repairs before finalizing the deal.

    How much does a home inspection cost in South Dakota?

    The cost of a home inspection in South Dakota varies based on factors such as the property’s size, age, and additional services requested. On average, expect to invest a few hundred dollars. While the upfront expense may seem significant, it’s a small price to pay for the peace of mind and potential cost savings that come from identifying and fixing issues early on.

    Can you sell a house in South Dakota without an inspection?

    In South Dakota, sellers are not required to conduct a home inspection before listing their property. However, many sellers opt for pre-listing inspections. This approach allows them to address potential issues beforehand, presenting the property in the best possible light and potentially speeding up the selling process. While not mandatory, a pre-listing inspection can be a strategic move for sellers looking to be transparent and build buyer confidence.

    Any other information or advice for South Dakota residents regarding home inspections?

    Brad Banks of Black Hills Professional Home Inspections, based in Rapid City, recommends getting an independent home inspection from someone who doesn’t work with your realtor to get an unbiased opinion. “Your inspector should be working for the buyer, not the sale,” he says.

    South Dakota home inspection: the bottom line

    Regardless of where you choose to live, it’s important to understand the ins and outs of a home before buying. That’s what makes South Dakota home inspections so important. By having the important elements of your potential home looked at by professionals, you can eliminate the guesswork and avoid extra expenses.

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  • Navigating Utah Home Inspections: A Guide for Homebuyers

    Navigating Utah Home Inspections: A Guide for Homebuyers

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    If you’re in the market for homes for sale in Salt Lake City or anywhere else in Utah, you’re likely on the verge of making one of the most significant investments of your life. Before you put pen to paper, it’s vital that you understand the importance of a home inspection. This Redfin article covers several aspects of home inspections in Utah, from why you need one,what they cover, how much they can cost, and more. Let’s get started.

    Why should you get a home inspection in Utah?

    When it comes to buying a house in Utah, a home inspection is not just a formality, but a crucial step in ensuring that your investment is a wise one. A professional home inspection can unveil hidden issues that may not be apparent to the untrained eye, ranging from structural problems to hidden electrical or plumbing issues. It also provides you with the upper hand in negotiations with the seller, whether you need repairs or a price adjustment, and ultimately offers you peace of mind about the property’s true condition.

    Are there any specialized inspections that Utah buyers should consider?

    In addition to the standard home inspection, Utah buyers should weigh the importance of specialized inspections tailored to the property and its unique characteristics. This can include radon testing, particularly in areas with known radon concerns, as well as termite inspections in regions with higher humidity levels where these pests can cause substantial damage. For properties with well water and septic systems, considering well and septic system inspections is wise, ensuring these vital components are in proper working order.

    Are home inspections required in Utah?

    While Utah does not mandate home inspections by law, they are highly recommended within the real estate industry due to their substantial benefits. For both buyers and sellers, inspections ensure transparency and can spot potential issues, reducing uncertainties and helping the transaction go smoothly. Though not legally required, home inspections are widely considered a best practice and a safeguard for everyone involved.

    How much is a home inspection in Utah?

    The cost of a home inspection in Utah can fluctuate based on multiple variables such as the property’s size, location, the inspector’s experience, and any additional specialized inspections requested. On average, expect to pay between $300 and $500 for a basic home inspection. Additional specialized inspections may increase the overall cost, but are often a worthwhile investment, safeguarding you from unforeseen issues that could prove far more costly in the long run.

    Can you sell a house in Utah without an inspection?

    While it is possible to sell a house in Utah without an inspection, it is not the typical practice in the real estate market. Many sellers opt for pre-listing inspections to identify and address any problems before listing their property. This proactive approach benefits both sellers and buyers, facilitating smoother transactions and building trust between the buyer and seller. While not a legal requirement, inspections are strongly encouraged.

    Home inspections in Utah: the bottom line

    A home inspection is an indispensable step to ensure your investment’s value. It provides peace of mind, uncovers hidden issues, and empowers you to make informed decisions. By considering specialized inspections, understanding your options, and seeking expert guidance, you can navigate the home inspection process in Utah with confidence, protecting your investment for the future.

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  • Navigating Wisconsin Home Inspections: A Guide for Homebuyers

    Navigating Wisconsin Home Inspections: A Guide for Homebuyers

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    Embarking on the journey of purchasing a home in the Badger State is an adventure filled with anticipation and, often, a measure of uncertainty. Central to this process is the pivotal step of a Wisconsin home inspection—an essential safeguard that delves beneath the property’s surface, ensuring that your future haven is as sound in structure as it is inviting in appearance. This Redfin article will explore the ins and outs of Wisconsin home inspections, covering everything from their importance to specialized inspections, requirements, and costs. So whether you’re buying a home in Madison or a home in Green Bay, keep reading to learn everything you need to know about getting a home inspection in Wisconsin.

    Why should you get a home inspection in Wisconsin?

    Buying a home is a big investment, and getting a home inspection is a crucial step in protecting that investment. A professional home inspector will thoroughly assess the property, identifying any hidden issues, structural concerns, electrical and plumbing problems, and other potential red flags that may be missed during a casual walkthrough. This complete examination provides you with valuable insights, negotiation leverage, and peace of mind, ensuring you make an informed and confident decision about your new home.

    “In Wisconsin, a home inspection is a smart step for buyers and sellers alike,” says Patrik Neuwirth of Inspect Karma, a Milwaukee-based home inspector. “It serves as a critical safeguard, uncovering potential issues from seasonal wear due to the state’s harsh winters and humid summers, to more hidden and costly problems. An inspection provides transparency and confidence, ensuring that one of life’s biggest investments is sound and secure.”

    Are there any specialized inspections that Wisconsin buyers should consider?

    While a standard home inspection covers the fundamentals, Wisconsin buyers should be aware of specialized inspections tailored to specific concerns. These include radon testing, especially in areas with elevated radon levels, mold inspections for properties prone to mold growth, lead paint assessments in older homes, and well and septic inspections in rural areas with these systems. These specialized inspections are key for ensuring your home is safe and free from potential hazards.

    1st Choice Inspection in Milwaukee emphasizes the importance of sewer drain scoping, especially for houses built before the 1970s because tree roots can cause issues.

    Are home inspections required in Wisconsin?

    In Wisconsin, home inspections are not mandatory, but they come highly recommended for all homebuyers. While not required by law, certain lenders may impose inspection requirements as part of the mortgage approval process, such as pest inspections or appraisals. It’s important to note that despite the lack of mandatory inspections, opting for a home inspection is a wise and cost-effective choice.

    Donn Anderson of Anderson Home Inspections advises that although inspections aren’t required in the state, they are more than worth the cost. It’s not uncommon for homebuyers to incur thousands of dollars in surprise expenses because they decided against getting a home inspection.

    How much does a home inspection cost in Wisconsin?

    The cost of a home inspection in Wisconsin can vary based on several factors, including the property’s size, age, location, and the scope of the inspection. On average, you can expect to pay between $300 and $500, with specialized inspections incurring additional expenses. While it may seem like just another added cost, the investment is well worth the peace of mind and potential long-term savings it provides.

    Can you sell a house in Wisconsin without an inspection?

    Wisconsin does not require sellers to conduct a pre-listing inspection, but many opt for this proactive approach. A pre-listing inspection can help find and address issues upfront, making the selling process smoother and more attractive to potential buyers. While not mandatory, it’s a strategic move for sellers looking to increase their home’s market appeal.

    Wisconsin home inspection: the bottom line

    In the world of real estate, knowledge is power. A home inspection in Wisconsin is your key to making an informed decision when purchasing a property. It provides you with insights into the home’s condition, negotiation power, and peace of mind, ensuring that you are investing in a safe and sound property. Regardless of where in the state you’re looking to move, a home inspection is a wise investment in your future.

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