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Benson Mortgages · Preparation checklist
Buying a home
0 of 11 preparation tasks complete.
Generated (UTC): ·
| Status | Preparation task | Why it matters | Useful link |
|---|---|---|---|
| Budget and affordability | |||
| [ ] To do | Review your comfortable monthly budget | Consider property taxes, condo fees, insurance and room for changing costs. | — |
| Down payment and purchase costs | |||
| [ ] To do | Review your down payment sources | Discuss the source and timing of your down payment and ask what records your lender will need. Keep those records private. | — |
| [ ] To do | Plan for costs beyond the down payment | Set aside room for taxes, legal fees, adjustments, moving and other purchase costs. Confirm the amounts with the professionals involved. | — |
| Credit report review | |||
| [ ] To do | Review your credit report | Check your report for errors and discuss any questions before applying. Completing this task does not assess your credit or mortgage eligibility. | — |
| Income and documents | |||
| [ ] To do | Prepare income and identification documents | Ask which documents are required. Keep them private; do not upload them to these tools. | — |
| Mortgage terms and preapproval | |||
| [ ] To do | Gather offers and their full terms | Compare fees, payment frequency, prepayment privileges and portability alongside the rate. | — |
| [ ] To do | Ask what a preapproval covers | Ask about the rate hold, conditions, expiry and what still needs review. A preapproval does not guarantee final financing. | — |
| Property and offer conditions | |||
| [ ] To do | Prepare your property details | Have the address and any purchase agreement or current property information ready for a secure conversation. | — |
| [ ] To do | Discuss offer conditions with your professionals | Ask your real estate and legal professionals about financing, inspection and other conditions before committing to a property. | — |
| Closing preparations | |||
| [ ] To do | Confirm your closing preparations | Discuss the closing timeline, insurance, required funds and documents with your lawyer and mortgage professional. Confirm how funds should be delivered securely. | — |
| Questions for Benson | |||
| [ ] To do | Write down the questions that matter to you | Ask about total costs, conditions, flexibility and the next steps before making a decision. | — |