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Couple Buying Home

Buying or selling a home can be an intimidating experience. That is why Janet has assembled a list of resources and helpful tips to assist you.

1. Start compiling a wish list and determine the goals for your next home
2. Get prepared for a mortgage. The mortgage broker can tell you how much you are qualified to borrow.
3. Do your homework. Location is crucial. How far are you willing to commute to work? Make sure to consider schools, public transportation, amenities, and services in the area.
4. Choose a home and make an offer: The purchase offer you submit, if accepted as it stands, will become a binding sales contract (known in some areas as a purchase agreement, earnest money agreement or deposit receipt). It's important that it contains all the items.
5. Get a loan: There are dozens of loan types and hundreds of loan programs available. Make sure your mortgage will fit into your budget.
6. Inspection & Negotiation: hire a home inspector or use a home inspection checklist to make important buying decisions. This will also help you negotiate a price.
7. Closing and Possession: In the final weeks before closing some of the procedures will include the title search, a survey of the property, and your final walk-through inspection.

1. Use the floor plans to determine how much space you need. Keep in mind that Single-section homes have more problems with doors, windows, roofs, and floors. Multi-Section homes have more problems with the sections joining.
2. If you can, it is better to buy your mobile home directly from the manufacturer. If a problem comes up with your home, it is easier to deal with one company than several.
3. Choose a roof that hangs over the edge of the home, which will prevent water damage from bad weather.
4. A mobile home built with 2x6-inch lumber rather than 2x4-inch lumber will be more sturdy and provide more room for insulation.
5. Vinyl siding will have less problems with water damage than metal siding.
6. In order to lower your plumbing repairs, it is better to choose or upgrade to higher quality plumbing fixtures. Low quality fixtures have caused numerous problems for mobile home owners.
7. Poor quality windows can lead to high repair costs and heating bills. Choose Vinyl frames and double-paned windows for best results.
8. In our cold climate is it better to choose a heating system that has outlets around the edges of the rooms.
9. The bottom of the mobile home should be well ventilated. To insure this, place a plastic sheet on the underside of the home.
10. Manufacturers are required to give you instructions to prepare the site for the mobile home. Installation is critical, so bring your installation guide and watch what the installer. Make sure you installer is insured or bonded in case damage occurs.
11. A warranty could protect you from problems, however check the fine print for exclusions. Not all manufacturers have warranties, so do your homework.

. Create a "Move" file to store receipts and records, and keep it handy!
2. Find out which moving expenses are tax-deductible.
3. Contact moving companies and truck rental companies for estimates and moving assistance information. Tip: Reserve well in advance as companies are often sold out for key move weekends.
4. Take an objective look at what you own and figure out what goes with you, gets left behind or goes into storage. Most moving companies have a minimum weight restriction. Above the minimum, more weight means more cost.
5. Start collecting boxes and packing materials. Call truck rental companies or moving companies to order supplies.
6. Cancel any monthly services. Many require at least 30 days notice or you will be billed for an extra month.
Start packing, remembering to label your boxes so you can unpack with ease. Plan on carrying irreplaceable and hard-to-replace items with you (jewelry, photos, home videos, etc). Some state laws prohibit the moving of houseplants-consider giving your plants to friends or family.
8. Arrange for utilities at your new location.
9. Give forwarding address to old employer, lawyer, accountant, etc.
10. Update e-mail address, if necessary. Let your online friends and contacts know.
11. Close or transfer bank account, and get traveler's checks if needed. Clear out your safety deposit box as well. Make sure you have money to pay movers. (Some companies accept only cash.)
12. Notify the post office, and your insurance and credit card companies of your move if you haven't yet.
13. Arrange for house cleaning after you move.
14. Back up your computer files before dissembling and packing your system.
15. Contact utilities to cancel or transfer accounts. You'll want utilities on moving day, so arrange to disconnect them after your move date. Have utilities connected in your new place the day before you move in.
16. Confirm your new address with the moving company. If moving your household goods yourself, put heavier items in the front of the truck.
17. Be available when the moving truck arrives. Make sure all your boxes have arrived undamaged before signing paperwork and letting movers leave.
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