The Homebuying Process
Congratulations! You have made the decision to buy a home. Get ready to autograph a whole lot of documents. This section contains links to classes that will help you transition to homeownership.
If you have been selected for the St. Vrain Valley, Pikes Peak, or Fort Collins Habitat for Humanity programs this section is where you can find information on what to expect throughout the process. This includes Sweat Equity, the construction process, pre-purchase education, forms and disclosures, closing, and finally, move-in day!
From Loan Approval to the Closing Table
You might be dreaming about that first home-cooked meal or how you are going to decorate your living room, but the time between approval and closing is a critical time filled with a lot of decisions.
If you have been approved for a loan now is NOT the time to start buying couches on credit. Your income and credit will be checked again before you close and a change in your qualifications could crash that home buying dream. Take this course to learn about the important time before closing.
Homeowners Insurance
Before closing, you will be asked to choose an insurance provider. There are a lot of options out there from little green geckos to emus and everything in between. Choosing a provider, the right coverage, and understanding how much of a deductible are important and overwhelming choices. Take our free class on insurance basics to know what to research and always get more than one quote.
Home Inspections & Warranties
Just like buying a new car, you will want to make sure the mechanics of your new home are good before you buy. Home inspectors are professionals who inspect the home for any current or potential problems. A home warranty usually applies to new homes, just as to a new car. Home warranty companies ensure that any issues that are a fault of the builder will be corrected. Home warranties have a time limit and it’s important to understand your options and responsibilities. Check out the class about choosing your home inspector in the class on choosing your homebuying team to learn about home inspections and speak with your builder to make sure you understand your warranty options.
Forms, Forms, Forms
There are a lot of documents and signatures required to buy a home. Luckily, we have prepared a few classes to help you get you through, from understanding what’s in a mortgage, to all the papers you will sign at the closing table.
Boulder County Housing and Human Services offers FREE financial counseling to help you review your mortgage documents prior to closing. Make an appointment with Boulder County HHS here (external link).
Habitat Home Buyers
If you have been selected to buy a home with Habitat for Humanity, there is a lot to be done between the time of selection and move in. Along with completing your partnership sweat equity hours, you will need to complete a series of classes. During your acceptance meeting you will have received additional information about how to access these classes. Once you have received your access code, click on the orientation button below to get started.
El proceso para comprar una vivienda
¡Felicidades! Usted ha tomado la decisión de comprar una casa. Prepárese para autografiar muchos documentos. Si ha sido seleccionado para el programa Hábitat para la Humanidad del Valle de St. Vrain , En esta sección es donde puede encontrar información sobre qué esperar a lo largo del Programa de Propietarios de Hábitat, incluyendo Equidad de Sudor, el proceso de construcción, educación previa a la venta , formularios y divulgaciones, el cierre y finalmente el día de la mudanza!
Seguro de propietarios
Antes de terminar con el trámite de su casa, se le pedirá que elija un proveedor de seguros de casas. Hay muchas opciones. Elegir un proveedor, la cobertura adecuada y entender lo adecuado para un deducible son decisiones importantes y abrumadoras. Tome nuestra clase gratuita en conceptos básicos de seguros para saber qué investigar y siempre obtener más de una cotización.
Inspecciones y garantías del hogar
Al igual que comprar un coche nuevo, querrá asegurarse de que la mecánica de su nueva casa sea buena antes de comprarla. Los inspectores domésticos son profesionales con licencia que inspeccionan la casa en busca de cualquier problema actual o potencial. Una garantía de hogar generalmente se aplica a los hogares nuevos, al igual que a un coche nuevo. Las empresas de garantía de vivienda se aseguran de que cualquier problema que será culpa del constructor será corregido. Las garantías de hogar tienen un límite de tiempo y es importante entender sus opciones y responsabilidades. Tome esta clase para aprender más.
Formularios, Formularios, Formularios
Hay una gran cantidad de documentos y firmas necesarias para comprar una casa. Hemos preparado algunas clases para ayudarle a salir adelante, desde entender lo que hay en una hipoteca, a todos los papeles que va a firmar en la mesa de cierre.
Boulder County Housing and Human Services ofrece asesoramiento financiero GRATUITO para ayudarle a revisar sus documentos hipotecarios antes del cierre. Agende una cita con ellos aqui (Enlace Externo) .
Compradores de casas de Hábitat
Si usted ha sido seleccionado para comprar una casa con Hábitat para la Humanidad del Valle de St. Vrain hay mucho que hacer entre el momento de la selección y mudarse. Además de completar las horas de equidad del sudor de su asociación, deberá completar una serie de clases. Regístrese para obtener la lista de las clases necesarias que desea generar. Al completar cada una ganará horas de equidad de sudor
Haga clic aquí para encontrar una lista de formularios útiles para el Programa Hábitat para la Humanidad.