Moving into a new home can be both exciting and stressful. In addition to packing and unpacking, there are a number of items you need to do to ensure a smooth transition into your home-sweet-home.
Get Pre-Approved for a Mortgage
Before you can start diving into home listings on the web or talking with a real estate agent, you need to know what you can afford. Getting pre-approved will give you budget range so you won’t be wasting time looking at homes outside of your price range.
Budget for Monthly Expenses
In addition to a mortgage payment, you will need to calculate for taxes, insurance, and utility payments. It’s always good to set aside an emergency fund for unexpected costs as well.
Connect with a Local Insurance Agent
Typically, you will need to show proof at closing that you have paid the first year of premiums on your homeowners insurance. Connecting with a local agent early on is a smart move. At Cross Insurance, we are an independent insurance broker working with trusted insurance companies, giving you coverage options.
Prepare to Move
If you plan on hiring a company to handle the bulk of the work, get recommendations from friends, family, and neighbors on trusted companies. Reach out early to get quotes. If you plan on moving everything yourself, collect boxes, totes, and packing material early on so you are not scrambling last minute. Make a plan for large pieces of furniture, including measuring doorways in your new home to see if it can be maneuvered to the place you are planning to place it.
Deep Clean Your New Home
Pulling out a mop bucket and vacuum hardly seems like a celebration for starting the next chapter of your life, but it’s a good idea for many reasons. First, cleaning will be easier before bulky, hard to move furniture is placed in rooms. Second, if you plan on painting any of the rooms, you’ll need a clean, dry surface to start with. Third, deep cleaning will give you an up-close look at all the nooks and crannies of your house, and you may discover areas that need to be repaired.
Change Your Locks
Now that you have the keys, call a locksmith or buy a kit to get different keys. It’s a good security practice since you never know how many copies the previous owners have, or who they might have given copies to. While you are at it, make a plan for what you will do if you are locked out of your new home.
Change Your Address
Notify the post office, utility companies, and tax agencies of your new address. You will also need to inform your employer, in case they need to send pay stubs and tax forms to the correct place. Be sure to log in to your favorite online shopping sites that have your address saved and update that as well.