Homebuyer Checklist
Homebuyer's Strategic Roadmap & Checklist
STAGE 1: INITIAL PLANNING & READINESS
□ Define Your Home Requirements
Determine preferred location, size, and must-have features
Establish maximum budget parameters
Research target neighborhoods and school districts
□ Financial Health Assessment
Check credit score and address any discrepancies
Confirm debt-to-income ratio
Review and organize financial documents (pay stubs, tax returns, bank statements)
□ Savings Preparation
Set aside down payment depending on loan program.
Set aside closing costs, typically 2-5% of purchase price.
Maintain emergency fund for post-purchase expenses
□ Agent Decision
Consider "Skip the Agent" option with Unbeatable Loans to save thousands
Evaluate traditional agent representation versus self-directed purchase
STAGE 2: PRE-APPROVAL & LOAN SHOPPING
□ Secure Pre-Approval
Apply for pre-approval through Unbeatable Loans for competitive wholesale rates
Compare loan products: Conventional, FHA, VA, USDA, or specialty programs
Confirm maximum approved purchase amount
□ Rate and Loan Analysis
Lock interest rate when favorable
Understand loan terms
Review Loan Estimate for accurate cost projections
STAGE 3: PROPERTY SEARCH & EVALUATION
□ Search Strategy Implementation
Utilize Unbeatable Loans Chrome extension for seamless property shopping
Create prioritized list of must-have versus preferred features
Research comparable sales in target areas
□ Property Viewing Process
Schedule property tours or attend open houses
Document properties with photos and detailed notes
Evaluate neighborhoods at various times and days
STAGE 4: OFFER SUBMISSION & NEGOTIATION
□ Market Analysis
Review recent comparable sales data
Determine competitive offer price and terms
Establish negotiation parameters
□ Offer Submission
Submit offer directly through Unbeatable Loans platform
Include appropriate contingencies (inspection, appraisal, financing)
Specify desired closing timeline and possession date
□ Contract Finalization & Processing
Negotiate terms until mutual acceptance
Execute purchase agreement
Submit earnest money deposit
Sign initial disclosures for mortgage.
STAGE 5: CONTRACT PERIOD & DUE DILIGENCE
□ Professional Inspections
Schedule comprehensive home inspection
Review inspection report thoroughly
Negotiate repair requests or credit adjustments
□ Appraisal Process
Coordinate property appraisal with listing agent
Appraisal takes 1-3 weeks.
□ Insurance & Final Documentation
Secure homeowners insurance policy
Provide lender with additional requested documentation
Maintain employment and financial stability
STAGE 6: PRE-CLOSING PREPARATION
□ Final Review Process
Review Closing Disclosure for accuracy
Confirm all loan terms and closing costs
Arrange funding source for down payment and closing costs
□ Pre-Closing Tasks
Complete final property walk-through
Coordinate moving arrangements
Update address with relevant institutions and services
STAGE 7: CLOSING DAY
□ Closing Execution
Review and execute all closing documents
Verify accuracy of settlement statement
Complete fund transfer for purchase price and closing costs
□ Property Transfer
Receive property keys and garage door openers
Obtain copies of all executed documents
Confirm deed recording and title transfer
STAGE 8: POST-CLOSING & OCCUPANCY
□ Immediate Security Measures
Change all exterior locks and security codes
Test smoke detectors and security systems
Locate main water shutoff and electrical panel
□ Service Establishment
Transfer or establish utility services
Update address with postal service, banks, and employers
File homestead exemption if applicable
□ Document Management
Store all homeownership documents securely
Maintain warranty and service provider information
Celebrate your successful home purchase!
Contact Unbeatable Loans:
📞 954-466-1614
📧 [email protected]
🌐 www.unbeatableloans.com
Skip the Agent. Get Unbeatable Rates. Close Fast.
