Buying a house is one of the most impactful financial decisions you will make. Whether you’re purchasing for the first time or moving to a new area, being prepared can prevent regret, reduce unexpected costs, and improve your long-term satisfaction.
This article outlines 21 essential things to evaluate before you buy, based on the practical experience of Kelly Jones, a reliable Scottsdale realtor.
1. Credit Score and Financial Health
Start by reviewing your credit report, debt-to-income ratio, and monthly obligations. A strong credit profile helps you qualify for better mortgage terms and reduces your overall loan cost.
2. Mortgage Pre-Approval
Secure a pre-approval letter from a mortgage lender. This document confirms your buying power and helps you compete in a competitive market.
3. Full Cost of Homeownership
Factor in more than just the listing price. Calculate:
- Monthly mortgage payments
- Property taxes
- Insurance premiums
- HOA dues if applicable
- Ongoing utilities
- Maintenance and repair costs
- Closing costs
Create a detailed budget before making an offer.
4. Emergency and Maintenance Funds
Set aside money for unexpected issues like plumbing leaks, appliance failure, or job changes. A healthy reserve fund protects your investment.
5. Research the Neighborhood
Consider how the area aligns with your lifestyle. Visit at different times of day and assess:
- School ratings
- Crime statistics
- Commute routes
- Noise levels
- Local development plans
- Community engagement
6. Understand the Local Market
Review current home prices, average time on the market, and trends in the neighborhood. Your Scottsdale realtor, Kelly Jones, can help you compare areas and spot opportunities.
7. Property Tax History
Review the property’s tax history and projected future tax increases. This affects your monthly payments and long-term affordability.
8. Resale Value Potential
Even if you plan to stay long-term, it is wise to consider resale value. Homes in walkable neighborhoods, good school zones, or near employment hubs typically retain or grow in value.
9. Zoning and Building Regulations
If you plan to renovate or build, check local zoning codes. Some areas restrict changes to the structure or use of the property. Be sure to review setback limits, lot coverage, and height restrictions.
10. Home Inspection Report
Hire a certified home inspector to evaluate the structure, foundation, roof, electrical, and plumbing systems. Understand all issues before moving forward.
11. Age and Condition of Major Systems
Ask the seller or agent about the age and service history of these items:
- HVAC unit
- Roof
- Plumbing lines
- Water heater
- Electrical panel
- Appliances
These systems are expensive to replace and critical to everyday comfort.
12. Energy Efficiency
Look for energy-efficient windows, insulation, and appliances. Ask about average utility bills. A well-insulated home saves money year-round.
13. Internet and Cell Service
Test phone reception in all rooms and confirm availability of high-speed internet. Poor connectivity can become a serious inconvenience.
14. Layout and Flow
Make sure the home’s layout supports your lifestyle. Consider:
- Number of bedrooms and bathrooms
- Kitchen size and location
- Office or guest room needs
- Storage space
- Accessibility for children or elderly family members
15. Outdoor Space
Check the size and usability of the yard. Consider privacy, sun exposure, landscaping needs, and potential for pets, gardening, or outdoor gatherings.
16. Homeowners Association Rules and Fees
If the property is part of an HOA, request a copy of the rules and a breakdown of monthly dues. Understand any restrictions on exterior changes, parking, pets, or rentals.
17. Safety and Environmental Risk
Review hazard zone maps for flood plains, fire zones, or earthquake faults. These risks can affect insurance costs and peace of mind.
18. Title and Legal Standing
Work with a title company to confirm ownership, check for liens or disputes, and secure title insurance. Review shared easements or driveway access agreements.
19. Commute and Transportation
Test the drive to work, school, or shopping. Look for public transportation options, bike lanes, and access to major roads.
20. Proximity to Amenities
Homes close to grocery stores, parks, restaurants, and medical services tend to hold their value. Walkable neighborhoods are also more desirable to future buyers.
21. Personal Non-Negotiables
Create a list of must-have features and do not compromise on those. Whether it is a large kitchen, quiet street, or a home office, identifying priorities keeps your search focused.
Move-In Essentials: Things to Buy for a New House
Once the purchase is complete, you will need to gather some essential items. Here is a basic list to get started:
Household Basics:
- Cleaning supplies
- Fire extinguisher
- Smoke detectors and batteries
- Basic tool kit
- Window coverings
- Lightbulbs
Everyday Necessities:
- Kitchenware and utensils
- Bathroom towels and toiletries
- Trash cans and liners
- Laundry baskets and detergent
- Bed linens and pillows
Safety and Comfort:
- First aid kit
- Flashlights
- Surge protectors
- Wi-Fi router and modem
- Door locks or smart lock system
Consider offering a downloadable “things to buy for a new house checklist pdf” on your site for buyers to print and use after closing.
Final Thoughts from Kelly Jones, Scottsdale Realtor
A successful home purchase begins with preparation. When you understand the full picture, you can avoid rushed decisions and focus on what truly matters. From financing to inspection to final move-in, each detail contributes to a better outcome. If you are ready to buy and want experienced, local guidance, connect with Kelly Jones, a reliable Scottsdale realtor. I will help you find a property that fits your financial goals, personal needs, and future plans.