Back HomeWhat You Should Do After Closing
You searched for homes over the course of months or even years. You endured a series of offers and counter offers, property disclosures, inspections, loan applications, due diligence, and packing. Finally, after so much excitement, stress and anxiety, the house hunt has come to an end. But the story isn’t over yet. Here are some next steps to consider before you actually move in.
Make Copies of your Closing Documents.
The first stop you make after closing should be your local copy shop. While all the documents are still together and in order, make at least one copy of everything. Put one set in your folder for tax filing and one set in a file for house records.
The first stop you make after closing should be your local copy shop. While all the documents are still together and in order, make at least one copy of everything. Put one set in your folder for tax filing and one set in a file for house records.
Get a Safe Deposit Box and Put the Original Documents In It.
Keep your photocopies on hand at the house in case you need them in a pinch, but store the originals of your mortgage loan docs and your title certificate in a secure, off-site location. That means a safe deposit box at the bank, or on file with your attorney.
Keep your photocopies on hand at the house in case you need them in a pinch, but store the originals of your mortgage loan docs and your title certificate in a secure, off-site location. That means a safe deposit box at the bank, or on file with your attorney.
Got the keys? Great, now change the locks.
Assume that every one and his brother has a set of keys to your new home. The seller’s real estate agent likely gave copies to his or her assistant, a stager, handyman, or even another agent at some point during the marketing period. That does not even take into consideration the spare keys that the Seller’s gave the neighbors, their family, cleaning lady, and babysitter. That’s why the first person you should call after getting the keys is a locksmith. Spend the money to get all the locks changed or re-keyed right away. Don’t forget to reset any key code combinations that can be used to gain entry to the house as well including the garage door opener, garage keypads and alarm combinations should be changed.
Hire a cleaning crew.
There’s nothing worse than showing up with the movers, dozens of boxes and your personal belongings only to discover the seller hadn’t had the place cleaned as thoroughly as you would have liked.
Assume the worst and get a professional cleaning crew and painters in there the minute after the closing along with carpet cleaners. You want to start life in your new home with a clean slate. The movers might make a mess while moving in. But the bones of the place will be sparkling clean and you will have freshly painted closets and walls before the furniture and clothing gets in place.
Have a handyman, small contractor or designer on call.
Moving in can take days, if not weeks, and is made up of the kind of stuff you wouldn’t wish on your worst enemy. Things like aligning your framed artwork, centering the couch in the living room or getting the large rug set up in the master bedroom can drive you crazy. Nailed multiple holes in the wall in an attempt to get your family photos lined up on the staircase? Not all of us are cut out to do this kind of stuff. While it may seem like a luxury, investing a few hundred dollars in hiring someone to take orders, help with setting up and take over some of these mindless tasks will save time and potentially relieve you of a giant headache.
Play “what went off”:
Turn all of the lights on, plug radios, lamps, etc., into as many outlets as possible, then turn circuits off one at a time; make a list of which breaker controls what, and post it near or on the inside of the panel(s). Make sure you know where the main water shutoff is, and test it to see if it works. If you have a water filter, check it or replace it.
Check the furnace filters/replace if not new looking. Check gutters and leaders for blockage; clean if necessary. If you have a fireplace, have the flue inspected by a professional. Check/change batteries in smoke detectors.
If you control your own hot water, you’ll want to check the temperature pretty early on during your first day in the house. Developers of new homes have a bad habit of turning water heaters to “vacation” mode just before closing. This saves their utility bills but will result in a cold surprise when you go to take a shower. The temperature dial on your water heater should have a tick mark at the best setting. You don’t have to turn it all the way to the hottest point unless you need near-boiling water at all times.
Put your Name on the Mailbox & Buzzer. If you’re living in a multi-unit complex, like a condo building, you’ll want to get your name on the mailbox as quickly as possible, since the post office won’t deliver to nameless boxes. People are of mixed opinions on whether you should also label your intercom buzzer. It can compromise your privacy, but if you’re expecting a lot of guests or deliveries it will make things easier.
Cover the Windows.
The residents of your new neighborhood are about to watch you parade all your belongings into the house. Don’t let them figure out what you’ve done with them so easily. Make sure you’ve got something in the windows of each room – it can be towels, shower curtains, cardboard – doesn’t matter what for now. Just make sure your privacy is safeguarded so your windows don’t become a walking advertisement for burglars and peeping toms.
Photograph everything.
You’ll eventually want to take an inventory of everything you move into your house, but before you do so it’s a good idea to take pictures of your house in its native state. Once furniture is in place it will be difficult to remember where outlets are and what your home looked like when it was brand new. In the event of a catastrophic loss, you’ll need to refer back to those pictures in order to restore your home, so make sure you store them offsite, email them to yourself at a webmail address, or upload them to a cloud-based server.
You’ll eventually want to take an inventory of everything you move into your house, but before you do so it’s a good idea to take pictures of your house in its native state. Once furniture is in place it will be difficult to remember where outlets are and what your home looked like when it was brand new. In the event of a catastrophic loss, you’ll need to refer back to those pictures in order to restore your home, so make sure you store them offsite, email them to yourself at a webmail address, or upload them to a cloud-based server.
Meet your new neighbors.
Getting to know your new neighbors and trading phone numbers can be very beneficial in case of emergencies. There is always value in having a good neighbor.
Make sure your first weeks and months of homeownership are safe and pleasant.
Plan first. Party later.
Kim N. Bregman