WAYNE HORNING, REALTOR® · COVINGTON & ASSOCIATES REAL ESTATE, LLC

Buyer Preparation Checklist

Get organized before your next home search.

Define your priorities

List preferred locations, must-haves, and flexible preferences.
Consider your daily routes and the type of property you want.
Discuss your timing and comfortable monthly housing budget.

Prepare for financing conversations

Speak with a lender about options and preparation.
Ask for estimates of taxes, homeowners insurance, flood insurance if applicable, and mortgage insurance.
Plan for down payment, closing costs, prepaids, moving costs, and reserves.
Provide sensitive financial documents through your lender’s approved secure process.

Plan the property search

Review and sign a written buyer representation agreement before touring with Wayne as your buyer’s agent. Services, duration, and compensation are negotiable.
Arrange an MLS search using your locations, budget, and priorities.
Investigate property-specific flood risk, insurance, restrictions, and school assignments.
Discuss inspections and due diligence for any home you consider.