Smart buyer moves. Avoidable missteps.
Gabriela Corazo | Opus Elite Real Estate

Buying decisions feel easier when you decide what matters before the pressure of an offer. Use these checkpoints to stay organized and keep your team informed.

Before and during tours
Photos tell part of the story. Use the same questions at every home so your notes stay useful after a busy day of showings.
- Note storage, light, room layout, parking, and visible maintenance concerns.
- Revisit the area at a time that reflects your daily routine.
- Ask about the age and service history of major systems rather than guessing from appearances.

While arranging financing
Ask lenders to explain the total cost of each option. Compare Loan Estimates for similar loan terms and discuss fees, credits, and rate-lock conditions.
- Ask your lender before taking on new debt, changing employment, or moving large sums.
- Keep records for funds you intend to use at closing.
- Respond promptly to requests through the lender’s verified secure channel.

Before making a commitment
An appealing price is only one part of an offer. Ask what each proposed term means for your money, timeline, and options.
- Understand the deposit, contingencies, deadlines, and included items.
- Discuss what happens if financing, appraisal, or inspection results create a problem.
- Read every agreement and ask questions before signing.

DO
- Keep a written list of questions for each property.
- Compare financing using the full loan terms.
- Tell your team when your circumstances change.

DON’T
- Buy furniture on credit before checking with your lender.
- Assume an online payment estimate includes every ownership cost.
- Waive protections without understanding the consequences.

YOUR CHECKLIST
[ ] Create a tour notes template
[ ] Review loan options with my lender
[ ] Confirm deposit and contingency terms
[ ] Review insurance availability and cost
[ ] Put contract deadlines on my calendar
[ ] Verify the closing plan with my team

LOCAL NOTE
For a property with private well or septic service, ask about records and appropriate inspections early; do not assume public utilities are available.

SOURCES
CFPB: Compare loan offers: https://www.consumerfinance.gov/owning-a-home/compare/
CFPB: Prepare to shop for a mortgage: https://www.consumerfinance.gov/owning-a-home/prepare/

Educational guidance; confirm transaction terms and property-specific advice with the appropriate professionals.
Gabriela@opuselitere.com | 215-992-4100