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THE FINANCIAL checklist Guiding you through each step of the home buying process from mortgage preapproval to pairing you with your ideal property through closing on your new home get in touch Davida McDonald CLOSING COSTS Closing fees include items such as an attorney s fee survey fees and document fees go to Yourpreparation hidden sanctuary the city with DOWN in PAYMENT award winning spa This is the money you ll pay at closing It s the difference between your mortgage services amount and the purchase price of your home EARNEST MONEY This is an upfront deposit that gets applied to your down payment or closing costs INSURANCE Depending on your loan program and down payment amount you may pay mortgage insurance Homeowner s insurance is also required 443 John Ringling Blvd Ste F Sarasota FL 34236 E davida davidamcdonald com C 941 312 1074 Home Buying made easy
THE HOME BUYING process 1 Accepted Offer 2 Property Inspection Make sure earnest money is delivered in the format and timeline agreed upon in sales contract Choose your inspector and get scheduled ASAP to determine if any repairs are needed before your contract deadline 3 Lender Documents 6 Insurance 9 Final Walkthrough 4 Title Commitment 7 Turn on Utilities 10 Close the Deal 5 Appraisal 8 Schedule Closing Let your lender know that you are under contract and make sure to give them all the requested documentation on time Be sure to review the title commitment once received from the title company The appraisal should be ordered as soon as you have performed your inspection and resolved any issues Choose your homeowner s insurance provider and provide the relevant information to your title company and lender Schedule all of your utilities to be transferred and turned on before closing We will schedule your closing early in the process to make sure the title company has a convenient open spot Before closing do one final walkthrough to make sure everything is in order and ready for you to purchase the home Bring your photo I D and certified funds if applicable to closing and be sure to be on time