After Your Home Purchase
Find Your Perfect Fit
When you make the decision to buy or sell a home, I go the extra mile to ensure that all of your needs are met in a professional and honest manner.
If you’re looking for a real estate expert dedicated to quality service and guidance, let me partner with you through your next purchase or sale.
Next Steps After Your Purchase
Congratulations - your offer has been accepted, conditions have been satisfied or removed, and you have successfully purchased your new home! Now what?
These post-purchase next steps will help you navigate through the closing process:
Find the right lawyer to complete your transaction
Your real estate agent will prepare all necessary documentation to send to the lawyer you’ve selected. It’s a good idea to contact your lawyer once you’ve submitted the required documents to make sure they have everything in order to start your file.
If you’re in need of lawyer recommendations, we can provide you with a great resource [link to resource page] for referrals.
Arrange for insurance
For your mortgage funds to successfully be transferred, your lender will require proof that you have arranged your insurance (this is also known as a ‘binder’).
Contact your local insurer to set up your home insurance. Again, your real estate agent will be a valuable referral resource.
Tip: Don’t hesitate to ask your agent with any questions that your insurer may have about your new home.
Schedule movers and/or a moving van
Whether you’re “hiring” family and friends to help you move with some cold beverages and pizza or are retaining services from a professional moving company, it’s vital to have these services scheduled before moving day.
If you choose to hire a moving company, ensure that you obtain 2-3 pricing quotes. Your real estate agent may have information about available corporate promotions, so don’t hesitate to reach out.
Tip: Book your moving services early. Typically, moving dates on the 1st, 15th, and last day of the month book up fast.
Book a house cleaning
Unfortunately, not all sellers leave their home in pristine condition. Some people love to have a ‘cleaning party’ to get their new home ready for move-in day, while others prefer to arrange a professional cleaning service before moving in.
Either way, moving into a well-cleaned home makes for a more comfortable moving experience.
Sign all mortgage documents
Once your lender has all necessary documents in place, you will need to sit to review and sign these documents, which is a process known as mortgage commitment.
Until your mortgage commitment meeting, you most likely have had a pre-approval and lender approval, but nothing is set in stone until these documents are signed.
Update your utilities
Upon taking possession of your new home, it’s critical to change your utilities to your new address before moving in.
Utilities to update may include your phone, cable, internet, power, water, and gas services. While you’re registering for your utilities, make sure to cancel the utilities at your previous residence.
Sign at your lawyer’s office
During the final visit to your lawyer’s office, your lender will give the mortgage money to your lawyer or notary. You must provide the down payment - minus your deposit - to your lawyer or notary, along with the remaining closing costs.
You lawyer or notary is responsible for:
- Paying the vendor
- Registering the home in your name
- Giving you the deed and keys to your new home
Change your locks
The security of yourself and your loved ones is paramount. It is always recommended to change the locks and alarm codes upon moving into your new home.
Change your address
A smooth moving process involves notifying all government and private agencies of your move and new address.
Examples of these agencies include:
- Canada Revenue Agency
- Manitoba Hydro
- Manitoba Public Insurance
- Your cable provider
- Your bank
- Your phone carrier
Tip: Visit http://www.manitobaaddresschange.ca to change your address at a number of government agencies all at once.
Complete a possession date inspection
As soon as you are able to enter your new home, make sure that you test toilets, sinks, your furnace, your air conditioning unit, dishwasher, smoke detectors, and other household necessities.
If you find any problems or have concerns with household components, contact your realtor. It’s imperative that you make any problems known as soon as possible to find a safe and fair solution.