What You Will Need When You Buy a Home

I graduated college at a wonderful time, right into a recession. I decided to not let Whitey get me down and go ahead and buy a house. I have been waiting for a couple of months now since I agreed to buy a place and it is driving me insane. I decided I would make a list of all the things I have needed so far and I can’t imagine what else there could possibly be.

Things You Provide
2 years worth of W-2 forms
2 months of paystubs
Previous year tax return
Good credit
List of debts and payment schedules
Note stating that a spouse did not work in a previous year
Contact info for insurer of home
Signed REPC
A year of canceled rent checks
A Ton of Patience

Things the Lender Provides
A signed good faith estimate
A loan application
A patriot act property form
An employment verification form

Things the seller provides
Certificate of occupancy
1 yr warranty form (if new)
Termite guarantee form or inspection

I think that is everything unless they pull out the surprise rectal exam or they want some DNA samples. I wonder what it would have been like if I had tried for a house a couple of years ago when they were giving them out to every hobo with half a pulse. If I think of anything else I will edit it in. If you are going to buy a house just get all of these things ready ASAP in case they are needed. I gathered everything on this list as it has been requested over the last two months. It would have been much easier to know before hand and just turn it all in.