Back to plan
phase 07
under contract to keys.
The chaotic stretch from acceptance to keys. Move on urgent deadlines, freeze your credit, and don't move money without asking.
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- Save every contract deadline in your calendar
- Submit earnest money and any required deposits on time
- Start THE FREEZE
- Book your home inspection immediately
- Read the seller disclosures
- Attend the inspection if you can
- Ask your inspector what they don't inspect
- Decide whether specialty inspections are worth it
- Triage the inspection report into expensive, urgent, and annoying
- Decide what you want to negotiate
- Confirm every repair, credit, or agreement in writing
- Calendar any required reinspection or repair verification
- Answer lender and underwriter document requests quickly
- Don't move money around randomly
- Keep documentation for any large deposits or transfers
- Shop homeowners insurance
- Track the appraisal status
- Review your options if the appraisal is low
- Confirm the updated cash-to-close estimate
- Transfer or schedule utilities
- Finalize homeowners insurance
- Review your Closing Disclosure carefully
- Compare the final numbers to previous estimates
- Ask about every unexplained change
- Verify wire instructions using contact info you already trust
- Complete the final walkthrough
- Confirm agreed repairs and other transaction terms
- Follow the settlement or closing team's instructions for sending funds
- Bring the identification your closing team asked for
- Sign closing documents
- Confirm funding is complete
- Confirm when keys are released
- Change or rekey the exterior locks
- Get mailbox keys if applicable
- Update your address
- Save your closing and loan documents somewhere safe
- Set up access to your mortgage payment portal
- Check applicable property-tax exemptions or homeowner benefits
- Start or continue a home maintenance fund
- Save your homeowners insurance details and deductible
- Take photos or video of the home and major belongings for insurance