Moving to Another State

Home Buying

Moving to Another State? Read Through This Checklist First

February 01, 2019 | by Andrew Schmeerbauch

At A Glance

If you’re preparing to move to another state or simply daydreaming about the possibility, there’s a lot of planning involved. Here’s a quick checklist that can help you organize the most important details for your new life adventure.

Moving to Another State

Moving is always stressful, no matter how carefully it’s planned. Moving to another state though is an entirely different ordeal. From finding a job to securing the right home, there are many factors to consider. If you have your heart set on packing up and moving to a new state, use this checklist to plan out your new adventure.

Find a New Job

Securing a new job is probably the most important step to take to ensure you can afford to live in a new state. It’s recommended that you look for a new job before you move, though if you have a significant savings account, that’s certainly not a requirement.

Thanks to the internet, searching for jobs is easier than ever. Many companies require phone and video interviews before ever bringing you in-house for an on-site interview. This gives you time to plan to fly out for an in-person session, if needed.

If you currently love your job, talk to your company to see if working remotely (even temporarily) is a possibility. They may also know of other similar companies in the area where you’re moving to set you up with.

Lastly, look through your LinkedIn network to see if any of your connections live in the city you’re hoping to move to. Sometimes, all it takes is a quick conversation to get connected with the person who can help you land an interview at a new job.

Sell Your Current Home

Moving can feel even more overwhelming if you need to sell your home, first. Luckily working with a talented seller’s agent can make this process much simpler and faster. A seller’s agent can partner with you to help you:

  • List and market your home
  • Offer staging advice
  • Show your home to potential buyers
  • Open an escrow account
  • Help you negotiate bids
  • Offer financial guidance
  • Assist you with home closing

With so many other details to worry about during this transitional time in your life, an experienced real estate agent is a must. If you don’t already have an agent, Clever can match you with a top-rated agent to help you sell your home quickly.

Find a New Home

Searching for a new home in a different state can be tricky. We all know photographs on the internet can’t be trusted and a neighborhood that looks great on paper might look very different in person. Here’s how to find the home of your dreams in another state.

1. Decide Whether You’d Like to Rent or Buy

While there are pros and cons to both, it’s best to decide up front what you intend on doing. If you’re not sure if you’ll like your new state, it might be best to rent. If you’d rather own or plan on living in the new area for at least five years, buying is probably the best option.

2. Find an Agent

No one knows a real estate market better than a local agent. Finding an agent to help you maneuver through the buying process will save you a lot of time, money, and stress. An experienced buyer’s agent can answer questions about financing and negotiating, and can take you on virtual video tours when you’re unable to meet them in person.

Agents also often find out when new properties are available before buyers, so they can get you first dibs on great homes before anyone else. They can also handle the home inspection and closing process for you, if needed. Some agents will even help you find rental properties if you’re unsure about buying.

You can save time by letting Clever match you with a local buyer’s agent to help you find the home of your dreams and get up to 1% back as a rebate at closing.

3. Research Neighborhoods

Once you’ve decided whether to rent or buy and found an agent (if buying), it’s time to find your new neighborhood. An agent can help you find a great neighborhood if you send them the criteria you’re looking for. Doing some research online on school systems, crime rates, access to amenities, and housing prices can also be helpful.

4. Find Financing

If you’re renting, the only thing you’ll need to do is save for the first month’s rent, security deposit, and any pet deposits. It’s also important to choose a rental that you can comfortably afford with your new salary.

If you’re buying, your agent can help you navigate through the financial process. In general, it’s best to shop around for the best mortgage rate and package that’s right for your situation. You’ll also want to make sure you have enough saved to fund the down payment and closing costs. While traditional banks might require a 20% down payment, other FHA funding options generally only request 3.5% down.

Remember, the more money you put down on a home, the better chance you’ll have of locking in a low mortgage rate. Connect with a Clever agent to learn more.

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