Home Buyer's Readiness Checklist

Your Roadmap to a Successful Home Purchase

Prepared by Javier Sims Davila

Living In Style Realty

Financial Preparation

☐ Review my monthly budget

☐ Determine a comfortable monthly mortgage payment

☐ Check my credit score

☐ Review my credit report for errors

☐ Pay down outstanding debt when possible

☐ Avoid opening new credit accounts

☐ Save funds for a down payment

☐ Save funds for closing costs

☐ Establish an emergency reserve fund

Mortgage & Financing

☐ Speak with a trusted mortgage lender

☐ Compare loan programs available to me

☐ Gather financial documents

☐ Obtain a mortgage pre-approval

☐ Understand estimated monthly payments

☐ Understand current interest rates

☐ Determine my maximum purchase price

Home Search Planning

☐ Identify preferred communities

☐ Create a list of must-have features

☐ Create a list of desired features

☐ Determine preferred commute times

☐ Research school districts if applicable

☐ Evaluate future resale considerations

☐ Consider HOA requirements and restrictions

Buyer Representation

☐ Schedule a buyer consultation with Javier Sims Davila

☐ Review the benefits of buyer representation

☐ Discuss my goals and timeline

☐ Establish a personalized home search strategy

☐ Learn how negotiations and contracts work

☐ Understand the home buying process from start to finish

Documentation Checklist

☐ Government-issued photo ID

☐ Recent pay stubs

☐ W-2 forms

☐ Tax returns

☐ Bank statements

☐ Investment account statements

☐ Proof of additional income (if applicable)

☐ Gift fund documentation (if applicable)

During the Home Search

☐ Tour homes that fit my criteria

☐ Evaluate neighborhoods

☐ Compare properties objectively

☐ Review market values with my REALTOR®

☐ Discuss offer strategies

☐ Stay within my budget

☐ Keep an open mind

Under Contract

☐ Schedule a professional home inspection

☐ Review inspection findings

☐ Negotiate repairs or credits if needed

☐ Secure homeowner's insurance

☐ Submit lender-required documentation promptly

☐ Complete appraisal requirements

☐ Review closing disclosures

☐ Schedule final walkthrough

Closing Preparation

☐ Confirm closing date and location

☐ Arrange certified funds or wire transfer

☐ Transfer utilities

☐ Update mailing address

☐ Schedule movers

☐ Secure homeowners insurance policy

☐ Bring required identification to closing

☐ Pick up the keys to my new home

My Commitment to Success

☐ I have partnered with Javier Sims Davila and Living In Style Realty to help guide me through the buying process with confidence, expert negotiation, local market knowledge, and personalized service.

Ready to Get Started?

Contact Javier Sims Davila

Broker-in-Charge | Founder

Living In Style Realty

Helping You Elevate Your Lifestyle Through Real Estate.