How to Make Closing on a Home Less Stressful

House Buying Checklist I’m in the final sprint to closing on my new house, and I’m working hard to keep the real estate stress monster at bay. Despite already buying a home, refinancing a home, AND selling a home, I still find myself being tripped up by various snafus during this process.

Suffice to say, I’m beginning to think that no matter how many times you work through a real estate transaction, you’re bound to feel like you’re simply fumbling through the various steps.

With closing a mere 3 days away, I’m trying a variety of tactics to ensure my hair is still on my head when those keys are handed to me. Here are my tips for how to make closing on a home less stressful:

Organization is Your Best Friend

This is applicable for the entire home buying or selling process, but most important during those final days. Make sure to stay as organized as possible–with your paperwork, your schedule, and your communication. I like to create a master to-do list that I update regularly, and I also create a daily to-do list each morning to help myself stay on track throughout the day.

Another good idea is to set up a phone call or office visit schedule for yourself. Yesterday, I had time blocked for calling my banks (transferring money between online and brick & mortar banks is so frustrating sometimes!), touching base with my attorney about closing time, checking with the moving company about my pod delivery, and circling back with my mortgage broker about the appraisal (I fired my first mortgage company 8 days before closing–more about that in a future post!).

Trust the Experts…

I’m a very hands-on person, especially when my hard-earned money is at stake. That being said, I’ve learned when to defer to the experts for their guidance. If you’re in the process of buying or selling, don’t hesitate to rely on the experts you’re paying to help you through.

…But Don’t be Afraid to Speak up

Of course, if something doesn’t seem right, you also shouldn’t be afraid to speak up.

When my first mortgage company was refusing to count a significant portion of my income in its qualification process (ahh…the life of a freelancer), I didn’t waste any time in challenging their decision and ultimately finding another bank to work with. In the end, I will pay less fees, have a better interest rate on my loan, and I’ll be treated to much better customer service. It’s a win-win-win!

Make Time for Yourself

While the to-do list items can seem never-ending and overwhelming, don’t forget to take time for yourself. Whether it’s a yoga class, a phone call with a friend, or ordering takeout if you’re too tired to cook, cut yourself some slack and budget in a few extra creature comforts when things with the house feel stressful.

After all, exercising now could be the difference between a relaxed evening tonight or a stress-induced shopping spree tomorrow that could throw off your carefully laid financial plan.

How have You Dealt with Closing Stress?

I am a Homeowner Again and a 6-month Recap

The Happy Homeowner **Edit: Welcome to new visitors from Lifehacker! Stop back for more money-saving posts on schooling, homeownership, DIY, and everything in between as I overhaul my content in the coming months. If you’d like to learn more about me or this blog, start with this page.**

It’s been almost 6 months since I’ve published a post that I’ve written for this blog.

SIX months. Oy vey.

While taking a half-year hiatus may be a bit unorthodox for a full-time freelancer, I couldn’t imagine having done anything different given the amazing amount of change I’ve endured over the past 2 years. In an effort to live life on my own terms and be the most authentic, happy version of myself possible, I knew it was time to take another break from the PF blogosphere in order to focus my efforts on building the next chapter of my life.

Reducing my Daily Grind

While I’ve been writing for other sites, keeping up (somewhat) with advertising here, and building/launching other blogs (more on that in a few weeks), I realized that my life’s circumstances were dictating an immediate departure from life here at The Happy Homeowner. And so that’s just what I did–I dialed back and temporarily shut down. Quite frankly, looking back at it all now, I don’t think I could have made a better decision.

Usually, I’d be all for sharing the fun (and not so fun) details here with my readers, but I’m navigating a new path that includes saving more of the personal details for other arenas. To sum it up, I’m preparing to launch more content here, but I won’t be sharing as much of my day-to-day other than budgets, numbers, and plenty of home improvements.

Speaking of Home Improvements…

I’m a homeowner again!! In two weeks, I officially close on my new bungalow in my new city (I don’t live in the city of Boston anymore…woot, woot!). I’m over the moon about the new place, and I can’t wait to tackle the mile-long list of improvements I’ve developed.

The house itself is packed full of charm and after some tough negotiating with the sellers, it’s going to be in phenomenal shape in a month or so thanks to the brand-new roof, HVAC, plumbing, and electrical. Considering I bought this place for a third of what I bought my condo in Boston for, I couldn’t be happier with how things are working out!

Upcoming Content for The Happy Homeowner

So while I launch myself into my second foray with owning a home, I look forward to bigger, better things. I’ve worked hard to get to this place where I have a huge opportunity to build my life exactly how I’ve always wanted it to be. New home, new city, new me.

In the spirit of new, here’s a list of what I’m working on for this site:

  • Full recaps of my various adventures from my trip around the world last summer
  • DIY projects including before & after posts chock full of money-saving tips
  • A full update of my various personal, professional, and financial goals
  • Money-saving tips for moving
  • A new series (more to come–keeping it under wraps for now!)

 

What’s New with You?

After so many months away from this blog, I have a lot of reading/commenting/relationship re-building to do. I’d love to hear how things are going for you as well as what the new blogs on the block are that you’re enjoying most.

DIY Tile Repair

When I bought my condo in 2010, I scored a great deal because it was a foreclosure. And while I sold it for a hefty, six-figure profit three years later, I did put in a great deal of sweat equity … Continue reading

Don’t Want to Be Robbed? Learn How to Protect Your Home from Burglars

A few years ago, I came home to a swarm of police cars and officers roaming my neighborhood. As it turned out, my next door neighbor had fallen victim to burglary and the police were searching for clues to help … Continue reading

Related Posts Plugin for WordPress, Blogger...