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How to Simplify the Administrative Burden of Buying a Home

November 30, 2022
Written by Brandon Crysler
Table of Contents

Many people dream of buying a home. While purchasing a property is an exciting life milestone, it’s also complicated. First, there’s the struggle of finding a place that actually fits your unique needs and price point. Then, there’s the paperwork. Buying a house requires you to complete a lot of documentation, which can get confusing. You don’t want to let any details slip through the cracks, so it’s essential to stay organized. The below guide covers some of the most important paperwork you’ll need and explains how to stay on top of it all.

Determine a budget and figure out how much cash you need

Before you start scoping out houses online, set a firm budget for yourself. According to financial experts, it’s usually recommended to make a down payment of at least 20% when purchasing a property. You can then get a home loan to cover the remaining costs. Keep in mind that if you put down less than 20%, you’ll have to additionally pay for private mortgage insurance. In addition to the cost of the property itself, there are also closing costs. For buyers, closing costs can equal two to five percent of the total purchase price.

Prepare your financial paperwork and research home loan options

Once you know exactly how much you’ll need to fund your housing purchase, you can apply for a home loan. Consider getting pre-approved for a mortgage, which can make you look like a more serious buyer in a crowded housing market. Note that you’ll have to submit a lot of paperwork to get a mortgage, such as proof of income and employment, bank statements, tax returns, investment income, gift letters, and more. A professional like Southern Home Team can help you scope out mortgage options and prepare the paperwork.

Know what documents you need for closing the deal

You’ve found the perfect house and gotten the mortgage you need. Great! What’s next? Even more paperwork. There are certain documents that need to be completed to close the deal on the house. provides a guide to closing paperwork, which can include things like proof of homeowner’s insurance, a closing disclosure, title documents, a deed, an affidavit of title, a certificate of occupancy, an escrow disclosure, and more. Getting all this paperwork done is tedious but it helps to protect your new investment.

Use a streamlined system to organize all your papers

As you can see, home buying requires a lot of paperwork at every stage. Make sure to set up an easy system to keep all the documents organized. Digitizing your documents helps cut down on paper clutter and simplifies accessibility. You can scan documents to create PDFs that you save on your phone or tablet, for example. If you want to split a large PDF into smaller PDF files, use a PDF splitter tool. Do these steps to use the tool: Upload the file, split it, and then download and save it. You can rename and share the new files.

Store all documents related to your new home securely

Once you have all your documents digitized as PDFs, consider how you’ll store them. A cloud-sharing system is ideal. This allows you to access your PDFs anytime, anywhere, regardless of the device you’re using. You just need access to the internet and your secure login credentials. This roundup of cloud-sharing platforms offers some ideas on tools to use, like Mega and Sync. You can enjoy peace of mind knowing all your paperwork is safely stored in one secure location.

Buying a house requires a lot of paperwork. Make it easier on yourself by preparing in advance, for example by researching mortgages and preparing the paperwork you need to get one beforehand. This will get you one step closer to your dream home.

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