Here are a few reminders that might be helpful as you prepare to move into your home.
Take all measurements and gather any information about the house during your inspection time frame. Contractually sellers have no obligation to allow access to the property until the pre-closing inspection and often will not as they are busy getting prepared to vacate.
Request information on appliance manuals and systems. Review the model names and numbers to see if any have been recalled.
Paint: Paint is personal property; many homeowners will leave the paint out of courtesy. To avoid miscommunication, specify if your request is to leave the paint or dispose of it.
At closing: the house is to be broom clean and free of debris. As you might imagine, cleanliness does not have the same meaning to everyone. You may want to have a professional cleaner freshen the house — wiping out cabinets, cleaning appliances etc., before you take possession.
Consider contracting with a locksmith to come out on the day of closing to re-key the locks throughout the house so you have one key for all locks. Garage door codes should also be reset.
School registration: most school districts require a fully executed agreement of sale or lease to register.
Obtain an estimate of the final HUD1 closing sheet. This should be available 48 hours prior to closing for you to review.
Schedule your pre-closing inspection. This will typically occur the day of closing or sooner if you are purchasing a home from a corporation or bank. The purpose is to ascertain that the property is in the same condition as at the time of the agreement of sale with normal wear and tear. The property should be maintained. Verify that all personal property requested in the agreement of sale remains with the property. Verify all real property is operating because nothing can be changed after settlement.
Transfer all utilities into your name effective the day of closing. Double check the level of any oil or private gas tanks at your pre-closing inspection so you don’t run out. If the utility is lienable, it almost always will be transferred by the abstract company conducting the closing. All other services are the the new homeowners' responsibility.
Certified check payable to the Abstract Company; an abstract (title) company will coordinate the closing. A certified check is required for the remainder of deposit monies and closing costs.
Obtain a homeowner’s insurance policy — proof of this is required at settlement. It is critical to double check with the lender the exact wording of the loss payee and provide this information to your insurance company.
Two forms of ID are necessary for closing. Have your license and another form of ID with you.