My Friday 5: House buying process things to know

1. There will be lots of forms to fill out. Keep your tax records handy, also your bank records. You’ll also need payroll information. If you get your statements online, be sure to save a copy in your electronic files. I’ve taken to the web based file storage idea, since it’s accessible from any computer and available should I be away from home base when an info need arises.

2. Buy a good black ink pen for signing documents. It shows up better in faxes and in copies. I’m personally using my cool Halo3 pen from my sister who used to work merchandising Microsoft products. I feel styly signing my name.

3. Have a fax machine or access to a fax machine. The nearest fax sending service charges $1 per page so today’s 29 pages would cost $29 to send. Actually, I’m looking to drive them there instead. I did bother my local landlord church to send a fax, but felt a little judged so I’m nixing that idea.

4. Invest in a fast scanner or have access to a fast scanner. It literally took me 5 hours one day to scan the initial offer documents and addendums. I do not like s-l-o-w technology. We have an HP All in One and I am nothing but frustrated.

5. You will need to have Homeowners Insurance for the Mortgage Company loan process which seems contrary to order. I’ve had trouble with online quotes for that reason. In person visits or phone calls will be your best bet. I’m asking around the locals to see who likes their agent and have had good response. I’ve also discovered my realty company offers insurance amongst other things.

Bonus thing: You will need to create PDF docs so if you don’t have MS Office Suite 2007 or above that does that, or an Adobe version that will take care of that, download and use Primo PDF. It’s a free downloadable software that runs as a print driver. Just click print, select PrimoPDF as your printer and boom, you’re good to click go.

Another Bonus thing: Some of your docs will need to be notarized. You can find a notary usually at your local church, or realtor’s offices usually have a notary. Banks used to be the place to go, but they have accountability issues with having notaries on staff so not many do anymore. Beware of mobile notary services, they are expensive, and scheduling can be tricky.

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About Robin Arnold

Reader, writer, gardener, geek, maker of homes in several states, now settled in Virginia with husband Bob, and Hazel and Wilson the tabby cats.
This entry was posted in House hunt & homemaking. Bookmark the permalink.

3 Responses to My Friday 5: House buying process things to know

  1. jasonS says:

    Good tips. Another free program to convert Word to PDF is CutePDF, but I've never used the one you mentioned. Blessings!

  2. Jeanne says:

    Good luck, Robin! Don't forget the aspirin for the headaches said paperwork inspires!

  3. john t says:

    Does E-fax still operate–you can receive faxes via email and send faxes. Was free and may cost now. We have an e-fax number we can lend you if needed.

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