9 Buyer Must-Knows the Moment You’re UnderContract

Money Moves First

That “earnest money” deposit? It’s due in just a couple days. Miss it and you could lose the house. The smart play: have those funds ready before you even make an offer.

Inspections Don’t Wait

The clock starts ticking immediately. Usually you only have a week or two to bring in inspectors and decide what you can live with (and what you can’t).

Deadlines Aren’t Suggestions

Contracts are a maze of due dates: loan approvals, objections, disclosures. Blow one, and you might lose your rights and your deposit.

Your Lender Becomes Your New Best Friend

They’ll want every financial doc you can think of, fast. If you drag your feet, closing drags too.

Pro tip: ask your lender for their “docs needed checklist” and upload your documents to them before you even start shopping

Appraisal = Value Check

Once under contract, the lender orders the appraisal. If the value comes in low, it’s negotiation time.

Title & HOA = The Fine Print

Think liens, easements, rules about your fence color; this is where those details show up.

Insurance Isn’t Last-Minute

Carriers look at roof age, pipes, location, and more. Rates can jump, so don’t wait until closing week to start calling around.

Cue the Logistics

As soon as the loan and appraisal hurdles are out of the way, it’s time to line up movers, set up utilities, and prep for the final walkthrough.

Your Lender = Air Traffic Control

A solid lender isn’t just “doing your loan," they’re managing agents, title companies, inspectors, appraisers, and timelines so your deal actually lands.

Bottom line: once you sign that contract, the pace goes from 0-100 real quick. Save this and you’ll be ready for the ride.

Which part of the process worries you the most?

#HomeBuying101 #HomeBuyingTips #HousingMarket2025 #FirstTimeBuyer #CentralPA #CarlislePA

2025/9/26 Edited to

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