The process of buying a house can be long and difficult. Whether you’re coming from an apartment or another home, you’ll want to time your purchase and move-in so you’re not paying for two homes at once.

What’s more, there are several steps required in the homebuying process, all of which you’ll have to give yourself enough time to complete.

In this article, we’re going to talk about the timeline leading up to buying a home. We’ll discuss how to figure out the amount of time you’ll need, and give you some advice on how to be ready sooner.

Prerequisites to buying a home

Before you consider purchasing a home, you’ll need to make sure your personal and financial life are ready for this commitment. Depending on what type of loan you are hoping to get, this could include saving as much as 20% of the cost of the home for a down payment.

Buying a home also usually requires good credit. If you have some issues with your credit history, you’ll want to take time to improve your score so that you can get a better interest rate on your mortgage.

Once you’ve settled on moving and have a general location, it’s a good idea to get pre approved for a loan.

Preapproval

Getting pre-approved for a loan is beneficial for a few reasons. First, it will let sellers know you’re a serious contender for buying their home.

Second, it gives you one fewer thing to worry about when it comes time to make an offer on a home that you’re interested in.

And, finally, pre-approval gives you a ballpark figure of the type of homes you can look at, saving you time when you’re shopping around for a home by avoiding properties that are over-budget.

The pre-approval process ranges from lender to lender. It can take as little as three days if you provide all the necessary information immediately. However, in some instances it can take weeks, especially if there are problems with the documents you provided to the lender.

Time before closing

If you’ve spent a few weeks viewing homes and considering your mortgage options, you’re likely getting ready to make an offer on a home. On average, this can take anywhere from 30-60 days.

The “contract to close” period can vary based on the type of loan you’re receiving and the underwriting process involved in that loan. USDA-guaranteed loans, for example, require added underwriting and processing time.

How to close sooner

So your lease ends in a few months and you want to make sure you’ll be in your new home before you have to move out. There are a few ways you can save time when buying a home.

First, make sure you provide your lender with everything they need to pre-approve you for a loan. Getting pre-approved quickly will save you a lot of time that is otherwise wasted while sitting around waiting for pre-approval.

Next, work with a real estate agent to find homes within your budget that are ready for move-in. Finally, be reasonable with your offer. Sellers, too, are typically on a timeline and will want to work with someone who is going to do their part to make the process as efficient as possible. 

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If you work from home part or all of the time, chances are you have a specific place in your house where you go to work to be free from distraction.

Many people spend a lot of time thinking about the decor of their home office. They decide how much light they want to let in, what they need on their desk, and which distractions to keep out of the room entirely.

Surprisingly few people, however, consider the ergonomics of their home office.

What is ergonomics?

Simply stated, ergonomics is the study of people’s efficiency in the workplace. When it comes to office work or working at home, that means studying things like posture, desk height, eye strain, and much more.

In this article, we’ll talk about some ways you can improve the ergonomics of your home office to prevent injury and to make your office a more productive and less stressful place to work.

Choosing a desk chair

Let’s begin with one of the most common complaints in offices and home offices around the world: chairs.

You could spend several hundred dollars on an ergonomic office chair. But in reality it only needs to meet a few criteria that you can often find in inexpensive computer chairs. When buying a chair, look for the following:

  • Lower back support what will help you keep a straight spine

  • Adjustable heights for the chair, the backrest, and the arm rests

  • A firm, but comfortable cushion that you won’t slide down on

Picking the right desk

The most important ergonomic factor of a desk is that you can easily fit your legs under it and don’t have to crane over it to write.

Regardless of where you keep your keyboard, it will help if your arms can fall on it naturally and at a close to ninety-degree angle.

Screen height and distance

The vast majority of work performed at home is done with the use of a laptop, desktop computer, or tablet.

Ideally, the height of your screen should be adjusted so that you can view it straight on, and not have to look down or up at it. This will help protect your neck from strain.

For eye strain, it’s a good idea to keep the monitor a couple feet from your eyes and to adjust the brightness so that it’s easy to read but not too bright.

The best thing you can do to avoid headaches and eye strain is to set reminders for yourself to look away from the screen every twenty minutes or so or get up and go for a walk.

Take more breaks

Speaking of taking breaks; sitting in one position for too long can contribute to muscle and joint pain. If you’re working at home, it should be easy to get up and stretch or move around every half hour or so.

You don’t have to take a long break; even a minute or two is sufficient enough to help take the strain off of your tired eyes and stiff back and neck.

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