First Time Homebuyer's Checklist

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MAKE SURE YOU'RE (REALLY) READY

 Check mark, Wingdings font, character code 252 decimal.    You have a stable job.

 Check mark, Wingdings font, character code 252 decimal.    You can see yourself living in the same town for the next 5-10 years.

 Check mark, Wingdings font, character code 252 decimal.    You're prepared for the extra work that comes with homeownership.

CREATE YOUR HOME WISH LIST
 Check mark, Wingdings font, character code 252 decimal.    Determine what's most important to have right now - e.g., location, number of
              bedrooms, a yard.
 
 Check mark, Wingdings font, character code 252 decimal.    Check out the different neighborhoods, home styles and listings online to get a feel
              for what's most important to you.
 FIGURE OUT WHAT YOU CAN AFFORD
 Check mark, Wingdings font, character code 252 decimal.     Request your credit report from all three credit bureaus (Equifax, Experian and
              TransUnion). Fix any errors right away.
 
 Check mark, Wingdings font, character code 252 decimal.    Determine a down payment amount (ideally 20% to avoid paying private mortgage
              insurance).
 
 Check mark, Wingdings font, character code 252 decimal.    Calculate how much you'll need in an emergency fund for unexpected maintenance
              or repair costs.
GATHER THE NECESSARY DOCUMENTS

 Check mark, Wingdings font, character code 252 decimal.    Collect proof of employment, including pay stubs and past tax returns.

 Check mark, Wingdings font, character code 252 decimal.     Print out bank and investment account statements from the past 90 days.

 Check mark, Wingdings font, character code 252 decimal.    Compile your previous addresses and current landlord's contact information.

RESEARCH MORTGAGES

 Check mark, Wingdings font, character code 252 decimal.    Request quotes from multiple lenders and comparison shop for loans.

 Check mark, Wingdings font, character code 252 decimal.    Get pre-qualified for a loan (many sellers won't even consider a bid unless you're
              pre-qualified).
 
 Check mark, Wingdings font, character code 252 decimal.    Obtain a pre-approval letter (this requires a credit and background check, but it can
              make you a stronger candidate).
ASSEMBLE YOUR TEAM
 Check mark, Wingdings font, character code 252 decimal.    Find a real estate agent you trust and communicate well (check out agent profiles on
              Zillow and Trulia).
 
 Check mark, Wingdings font, character code 252 decimal.    Ask a friend or family member for second opinions as you go through the buying
              process.