Buying a home can sometimes be an overwhelming experience, and if you are looking for a home in Texas you might find it easier with a Texas new home buying checklist. Whether you want an existing home or new construction, there are some common tasks to complete in order to make the process go more smoothly, from shopping for a mortgage to looking for a Texas electric company. Here is a list to get you started:
• Get pre-financed for a mortgage.The very first step in your Texas new home
buying checklist should be to secure preapproval, which involves finding the best rate, deciding on a type of mortgage and educating yourself on your credit score and which programs are available for you.
• Make a Texas new home buying checklist of your own, detailing what is important to you in a new home. Neighborhood, square footage, schools and many other factors can play a role, but only you can make an accurate list of your priorities. Do some research to learn what is available, and get a general idea of what you want before you start to look.
• Next, find a trustworthy real estate broker. You want an agent who understands your needs, and with whom you have good chemistry. Ask friends for recommendations, read reviews and find an agency with a reputation for honesty and good in-house resources. Your agent can help you find a home, negotiate price and handle all the details of the purchase.
• Do your homework on possible properties. Be sure you know any zoning changes, property tax information or other restrictions.
• Make sure to have a thorough home inspection. Have time written into your contract for the inspector to do a thorough job checking out your property before the sale goes through. Your inspection may open an opportunity to renegotiate the price of your home.
Once you have found your dream house, the Texas new home buying checklist will change to a different kind of to-do list.
• In Texas, electric company choice is up to you. In some states, consumers do not have options, but Texans are lucky enough to make their own decision in the matter. The deregulation of electricity means that consumers have the same transmission and distribution they have always had, but companies have an incentive to compete, which can mean lower electric rates and better service.
• Make sure to have your mail forwarded. The USPS has helpful kits to help you handle this detail. While you are thinking about mail delivery, update your magazine subscriptions and consider a newspaper subscription to help you get to know your new town.
• Register your children for school. The sooner your kids can get into a new routine, the sooner they will feel settled. It is important for every member of your family to feel an ownership of your new home.
• Get a new driver’s license and register your vehicle. This might be a good time to reassess your insurance needs, find a new doctor and register to vote.
• Keep detailed records and receipts of your move. Make sure all your appliances and furniture is in good condition because insurance often has a window of opportunity for claims, after which you can lose money to which you were entitled. You will also need these receipts when you are doing your taxes.
With some careful planning, and this Texas new home buying checklist, your move can be a smooth transition. With Cirro Energy, your electric needs can be met just as easily. To learn more about Cirro Energy visit our website. Also, join our community on Facebook and Twitter for more money saving tips and information.