1. Let's Get Started!

Welcome to The Ultimate First-Time Home Buyer's Handbook, your comprehensive guide to buying your first home in Canada. This guide will walk you through every step of the process, empowering you to make informed decisions and achieve your dream of homeownership.Inside the handbook:1. Understanding the Home Buying Process: A step-by-step roadmap.
2. Determining Your Budget and Financial Readiness: Assessing your finances and setting goals.
3. Exploring Mortgage Options and Pre-Approval: Insights into mortgages.
4. Searching for Your Dream Home: Tips for finding the perfect property.
5. Making an Offer and Negotiating: Strategies for crafting a compelling offer.
6. Completing Conditions and Finalizing the Deal: Ensuring a smooth transition.
7. Closing the Real Estate Deal: Essential tasks before receiving the keys.Workbook Approach: This book is a workbook to actively involve you in the home buying journey. Use exercises, checklists, and worksheets to stay organized and make confident decisions.Referral Links and Recommended Products/Services: We include referral links to reputable resources that can enhance your home buying experience.Share the Guide: If you find this handbook helpful, share it with others considering buying a home.Ongoing Updates: Bookmark the guide and check back regularly for updates to stay informed.Disclaimer: This guide is for educational and entertainment purposes only. The information contained within these pages should not be considered as financial or legal advice. Every individual's financial situation is unique, and it is crucial to consult with a qualified financial advisor or professional before making any significant financial decisions. Verify information and rely on personalized guidance.
While we strive to provide accurate and up-to-date information, the dynamic nature of the real estate market and financial landscape means that regulations, policies, and market conditions can change. Therefore, we strongly recommend verifying any information provided in this guide with relevant sources or professionals.By using this guide, you acknowledge and agree that the authors, publishers, and affiliates are not responsible for any actions or decisions made based on the information presented herein. Ultimately, the responsibility for any financial choices rests solely with the reader.Enjoy the journey of exploring The Ultimate First-Time Home Buyer's Handbook, and let it serve as a valuable starting point in your quest for homeownership.Congratulations on taking the first step towards homeownership! The Ultimate First-Time Home Buyer's Handbook is your trusted companion throughout the entire process. Embrace the workbook approach, utilize the referral links, and share this valuable resource with others. Happy home buying!

2. Determine your Budget and Financial Readiness

If you're considering buying a home, it's important to assess your budget and financial readiness. Start by comparing renting and owning. If you plan to stay for a few years, renting may be a better option. For longer-term plans, buying could be advantageous.To evaluate renting versus owning, use the Price-to-Rent Ratio. Calculate it by dividing the average purchase price of a comparable home by the average annual rent in your desired area. A ratio below 15 suggests buying is more favorable, 15-20 indicates a balanced choice, and above 20 favors renting.For a detailed analysis, try the calculator at https://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html.Keep in mind that this ratio serves as a guideline, and it's wise to consult a financial advisor or real estate professional for personalized advice.Once you've assessed renting versus owning, focus on your financial situation:1. Evaluate your current finances by creating a budget and determining your net worth. Use these resources:
- Networth Statement: https://www.spreadsheet123.com/ExcelTemplates/net-worth-statement.html
- Budget Planner: https://itools-ioutils.fcac-acfc.gc.ca/BP-PB/budget-planner
- Budgeting App: https://mint.intuit.com/canada
2. Understand mortgage payments and their impact on your budget. Utilize this app to calculate mortgage payments: Mortgage Payments Planner.
3. Estimate your homebuying budget based on factors such as your down payment amount, income, and preferred price range.
4. Plan for homeownership costs, including property taxes, homeowners' insurance, utility expenses, and ongoing maintenance.Once you've determined your budget, you'll be ready to explore the elements of qualifying for a mortgage.

3. Down Payment Hacks

To buy a home, you'll need a down payment and money for closing costs. Here's a breakdown:Down Payment:- Homes $500,000 and lower: 5% of the purchase price
- Homes $500,001 to $999,999: 5% for the first $500,000 and 10% on the balance above $500,000
- Homes over $1,000,000: Minimum 20% down paymentPro Tip: To avoid mortgage default insurance premium, have a minimum 20% down payment regardless of the purchase price.Closing Costs:
In addition to the down payment, closing costs include legal fees, land transfer taxes, moving expenses, title insurance, registration fees, default insurance taxes, and more. Lenders typically require at least 1.5% of the purchase price for closing expenses, but fees can exceed 1.5%.Resources:
Simplii - No Fee Monthly Banking & up to $450 in free cash using this link: https://mbsy.co/6sFb2C
Questrade Investing Accounts - TFSA, RRSP, FHSA -
WiseTransfer - Discounted foreign exchange, $800 transfer free. - https://wise.com/invite/ata/mathewg159How to Save for Your Down Payment
Common methods include:1. Savings (most common)
Open accounts from top down.
FHSA - First Home Savers Account **Best account to start saving for a home. A specialized savings account designed to help individuals save for their first home by offering certain tax advantages and incentives. Contribution Lifetime Limit: $40,000/person.
Setup your account hereRRSP - RRSP Home Buyer’s Plan - The RRSP Home Buyer's Plan is a program in Canada that allows individuals to withdraw funds from their Registered Retirement Savings Plan (RRSP) to use towards the purchase of their first home, providing certain conditions are met and the withdrawal is repaid within a specified timeframe. Withdrawal Limit: $35,000/person
Setup your account hereTFSA - Tax Free Savings Account - A Tax-Free Savings Account (TFSA) is a Canadian savings and investment vehicle that allows individuals to earn tax-free growth on their contributions and make withdrawals without incurring taxes.
Setup your account herePersonal Savings - Bank savings or non-registered investments. No limit on how much can be used.
Simplii - No Fee Monthly Banking & up to $450 in free cash using this link: https://mbsy.co/6sFb2CForeign Savings - This can be funds from savings, foreign investments, or foreign property that has been sold. It is best to transfer funds to Canada at least 90 days prior to buying a home to make sure you have the money available. Wise Transfer can greatly reduce transfer fees when exchanging currencies.Setup your account here
WiseTransfer - One of the cheapest ways to complete foreign currency exchange - https://wise.com/invite/ata/mathewg1592. Gifts
You can receive a gift from an immediate family member. This includes parents, grandparents, siblings, or children. Each lender has their own gift letter template. The gift must be non-repayable. The gift can come from the gift givers savings, investments, a mortgage or a home equity line of credit.3. Shared Equity & Government Programs
Shared Equity Mortgage - a type of mortgage where a lender shares a portion of the home's appreciation or equity with the homeowner, typically reducing the upfront costs and making homeownership more affordable.
Resources
Canada Shared Equity Program - Government backed shared equity program that can get you up to 10% towards your down payment.4. Local Government Programs - initiatives established by municipalities or regional governments to assist homebuyers by providing financial assistance in the form of grants, loans, or deferred payment options towards the down payment requirementResources:
Ontario
Kitchener (Region of Waterloo) - up to 5% loan from the city: Learn More
Barrie (Simcoe County) - up to 10% loan from the city: Learn MoreQuebec
Montreal - Accès Condos up to 10% down payment credit. Learn More.Alberta
Calgary - Attainable Homes Program where the down payment is discounted. Learn More.Saskatchewan
Saskatoon - up to 5% grant to buy a new home - Learn MoreManitoba
Select Rural Communities - Get up to 25% in forgivable loans for purchasing a home in select communities - Learn MoreNew Brunswick
Any Community - Get up to 40% from the government as a loan to purchase a home. Learn MoreNewfoundland & Labrador
None Available at this timeNova Scotia
Any Community - Down payment loan up to 5% for first time home buyers. Maximum purchase price $300,000. Learn More

4. Master Your Credit Score

1. Understanding Your Credit Score:
- Excellent (680+): Best lenders, best rates.
- Good (600+): Strong lenders, good rates. Borrowing capacity may be reduced.
- Poor (below 600): Alternative lenders, require over 20% down payment.Getting Your Credit Score for Free:- Borrowell provides the same credit report used by many lenders. Sign up for a free monthly credit report here: Get Your Credit ScoreCredit Score Breakdown:- Payment history (35%): Avoid missed payments and collections.
- Amount owed (30%): Keep credit usage below 30% of the limit.
- Length of credit history (15%): Longer is better.
- New credit (10%): Avoid too much new credit.
- Credit mix (10%): Aim for 11 or more active accounts.Quick Tip: For bankruptcy or consumer proposal, at least 2 credit accounts with no missed payments are preferred.Improving Your Credit Score:- Pay on time, keep credit utilization below 20%, don't close credit cards.
- Consolidate credit card debt into a loan.
- Have different types of credit and use credit responsibly.Quick Tip: Boost your credit with a debt consolidation loan. Apply with Borrowell: Get Your Credit ScoreCredit Card Recommendations:- Cash Back Rewards Card: Provides cashback on everyday spending and purchase protection.
- Travel Card: Earns points for travel with travel insurance benefits.
- Low-Interest Offers: Take advantage of promotional rates, especially for balance transfers.
- Specific Cards: Retailer-specific cards offer perks for frequent shopping.
- Secured Card: Builds credit for individuals with limited or poor credit history.

5. Secrets to Qualifying for a Mortgage

1. Your income plays a significant role in determining your mortgage qualification. Generally, lenders allow borrowers to access 4 to 6 times their income, with the ideal mortgage amount being under 4 times their annual household income. There are two types of income:
1. Guaranteed Income: This includes salary, guaranteed hourly wages, pensions, or any other form of income with assured payments. Lenders typically consider your current income when calculating mortgage eligibility.
2. Variable Income: This category encompasses commission income, self-employment earnings, business income, royalties, variable hourly income, bonuses, and overtime. Lenders often use a 2-year average of tax returns for individuals with variable income.Other income types, such as child tax benefits or foster income, may have different rules depending on the lender.If your household income doesn't meet the requirements for the desired home price range, there are steps you can take to improve your situation:1. Get a co-signer: Adding a friend or family member with borrowing capacity as a partial owner of the home can help you qualify for a larger mortgage.
2. Increase your down payment: Utilize methods outlined in section 3 to obtain a higher down payment, enabling you to afford a more expensive home.
3. Seek promotions or position changes: If you can secure a new guaranteed employment with a higher income after completing probation, it may positively impact your borrowing capacity.
4. Consider moving to a more affordable location: If the cost of living exceeds your income and better-paying jobs are limited, relocating to an area with a lower cost of living while maintaining your income could be an option. Lease for a year before buying a home to establish your work in the new location.Disclaimer: It's essential to consult with a trusted advisor before pursuing any of the mentioned options, as what works for one individual may not be suitable for others.

6. Getting a Real Pre-Approval

Securing your mortgage has never been easier. Top providers will personally contact you with their best offers, allowing you to choose what works best for you. Enter Your details to get started

Once you meet the qualification requirements, there are two ways to determine what you can afford: pre-qualification and pre-approval.- Pre-qualification: Provides an estimate of your affordability but is not an approval or rate hold. You can use an online calculator to do it yourself. Get Pre-Qualified
- Pre-approval: Requires a mortgage broker or banker to review your financial situation, credit, and documents. It offers the most confidence and may include a rate hold or conditional approval.Before applying for pre-approval, gather or know where to find the following documents:- Personal identification: Valid government-issued ID, SIN, secondary identification, proof of residency or work permit (if applicable).
- Income documents: Pay stubs, employment letter, T4 statements, Notice of Assessment (NOA) from CRA (past 2 years), employment history, bank statements, proof of down payment and closing costs, documentation for other income sources, proof of outstanding debts or recent loan payments.
- Property information and legal documents: Agreement of Purchase and Sale, MLS listing, property survey or certificate of location (if applicable), condo status certificate.
- Mortgage and financial statements: Mortgage statement, property tax statements, financial statements for self-employed individuals or business owners, copies of agreements impacting your financial situation.
- Additional documents: Proof of assets, down payment gift or funds received, government assistance or benefits documentation, proof of child support or alimony payments, bankruptcy or consumer proposal discharge documents (if applicable).Please note that document requirements may vary based on the lender and individual circumstances. Consult with your mortgage broker or lender for precise requirements.Once you have a pre-approval, avoid making changes to your financial situation, such as taking on new debt, changing jobs, making major purchases, impacting your credit negatively, or losing the down payment. Any changes will require a new pre-approval.

7. Finding Your Dream Home

3. When searching for a home, start by determining your preferences.
The list should ask these questions:Number of Bedrooms?
Number of Bathrooms?
Specific Neighborhood?
Neighborhood amenities?
School scores?
Proximity to work/school?
Lot size and amount of outdoor space?
Square footage of above grade?
Garage? Single, double?
Finished Basement, basement rental, coach house or inlaw suite?
Move in ready, Needs some updating, or complete renovation?
Community lifestyle?
Accessibility requirements?
Future accommodation requirements? Space for parents or children moving in?
Immediate need to fix or replace things?
Home Owners Association/Condo Rules (pets, smoking, guests, etc)?
Monthly Condo/common elements fees?
New construction or resale?
Waterfront? Pool? Fireplace?
Design style? Modern or Traditional?Next, use listing websites like HouseSigma, Realtor.ca, Zolo.ca, Livabl (new homes) to find potential matches. If you find something you love, great! If not, consider adjusting your search criteria or waiting for the right home.Once you start finding homes, repeat these steps:1. Schedule viewings and evaluate properties based on condition, layout, and suitability.
2. Make comparisons and assess value by comparing similar properties in terms of price, features, location, and condition. Research recent sales to determine a reasonable price within your affordability range.By following these steps, you can narrow down your search and make informed decisions when buying a home.Note: Moving as little as possible is recommended to minimize costs associated with moving.

8. Hiring the Right Help

4. When buying a home, utilizing a real estate agent is free for the buyer. The seller's agent pays a finder's fee to the buyer's agent, typically 2.5%-3% of the sale price. Some agents offer cashback rebates to buyers. While you can negotiate commission splitting, it's important to consider that lower income for the agent may affect their level of service. Working with a realtor offers several benefits, including:
- Help in achieving your goals by finding suitable homes, including public, exclusive, and unlisted properties.
- Expertise in the market to determine appropriate pricing.
- Access to real-time market data for an advantage.
- Time-saving through research, scheduling viewings, and handling paperwork.
- Guidance and support throughout the process, including legalities.
- Contract expertise to create a strong offer.
- Market value assessment to ensure affordability.
- Negotiation on your behalf for the best price.
- Assistance with scheduling viewings, inspections, and communication with the seller's agent.While it's possible to handle these tasks independently, it requires time, energy, and offers no guarantee of better pricing. Additionally, agents may have a fiduciary duty to their clients when a Buyer's Representation Agreement (BRA) is signed in certain provinces, ensuring they act in your best interests. It's crucial to negotiate the BRA before signing to protect your interests.Aside from using a realtor, alternative ways to find a home include new construction, for sale by owner listings, wholesaler lists, auctions, and tax sales.Find a Realtor Here:
Rank My AgentRealtors are important for you to find your perfect home, but there are other ways to find a home as well. That includes:
- New Construction
- for sale by owner listings
- wholesaler lists
- Auctions
- Tax Sales

9. Getting Your Offer Accepted

When finding your dream home, follow these steps:1. Create a list of homes to view and schedule viewings with your real estate agent.
2. Select a home and work with your agent to write an offer, including necessary conditions.
3. Communicate your negotiation preferences to your agent.
4. Assess any counter-offers from the seller and be aware of condition timelines.
5. Use strategies like a personalized offer letter and proper documentation.
6. Manage expectations and stay resilient even if offers are not accepted.To effectively negotiate, follow these tips:1. Understand the seller's perspective and research their motivations.
2. Determine your offer strategy based on budget and market factors.
3. Make a strong and competitive offer, including personal touches.
4. Offer flexible terms and conditions to accommodate the seller's needs.
5. Stay informed about current market dynamics and adjust your strategy accordingly.
6. Conduct thorough inspections for leverage during negotiations.
7. Negotiate with confidence and seek win-win solutions.
8. Seek professional guidance from your agent or lawyer.
9. Keep emotions in check and maintain professionalism.
10. Be prepared to walk away if negotiations don't align with your objectives.Quick tips for a better chance of acceptance:1. Act quickly in a competitive market and consider a bully offer.
2. Include a personalized offer letter.
3. Attend open houses for insights from the listing agent.
4. Look for negotiation opportunities in off-peak seasons.
5. Consider distressed or undervalued properties.
6. Explore homes that have been on the market longer.
7. Leverage professional inspections and appraisals.
8. Consider cash offers or larger down payments.
9. Be responsive and make fast decisions in negotiations.Remember that finding the right home may take time, so stay persistent and avoid getting emotionally attached until the deal is finalized.

10. Secure Your Mortgage

Securing your mortgage has never been easier. Top providers will personally contact you with their best offers, allowing you to choose what works best for you. Enter Your details to get started

Congratulations on having your offer accepted! Follow these steps to secure your financing quickly:1. Contact your preferred mortgage company/broker, preferably the one you already completed pre-approval with.
2. Maximize your mortgage benefits with these tips:
- Stay variable if not on a fixed budget to minimize penalties.
- Avoid unnecessary moves due to high costs.
- Get separate lines of credit for emergencies and investing.
- Stick with one lender and negotiate renewals to save money.
- Prioritize tax-efficient accounts (RRSP/TFSA) before paying down the mortgage.Consider your preferences:- Choose between fixed or variable rates.
- Decide on a long-term or short-term mortgage.
- Evaluate your concerns about mortgage rates.
- Determine your preferred level of involvement.
- Consider the length of time you plan to keep the home.Choose the best mortgage term and follow these tips:- Align renewal dates with important decisions or life changes to avoid penalties.
- Match a fixed budget with a fixed rate, and growing income with a variable rate.
- Refinance mid-term only if it genuinely saves money; leverage a HELOC instead.
- Use mortgage prepayments for guaranteed tax-free returns.
- Prioritize mortgage payments when receiving income.
- Rent out unused space to generate extra income for mortgage payments.
- Opt for a variable rate with a 3-month interest penalty if you may sell the home early.
- Understand the features of your mortgage and their implications.Contact your broker for assistance:- Brokers help find the best mortgage option for your needs.
- Be open and direct with your broker for tailored solutions.
- Brokers offer access to multiple lenders, customized solutions, negotiation, and unbiased advice for free.Seek the best mortgage for you:- Lowest rate doesn't always mean the best; prioritize terms aligned with your goals.
- Brokers have access to more products and can tailor mortgages to your needs.
- Communicate your requirements clearly to find a suitable mortgage.Ensure you understand key mortgage details:- Know how penalties are calculated for early termination.
- Inquire about available features, incentives, and restrictions.
- Assess the lender's suitability for your needs.
- Clarify the approval process timeline and rate lock-in period.
- Ask about early renewal options and associated penalties.Understand lender reactions:- Changing rate preferences after approval may affect your mortgage.
- Determine your rate preference with your broker before proceeding.
- Be aware of how lenders respond to rate reductions between approval and closing.Manage your relationship with the lender:- Stay in touch with your broker beyond funding and moving in.
- Seek advice and support from your broker for future needs.Consider different lenders and use provided resources to explore options quickly.

11. Complete Conditions & Close the Deal

6. During the mortgage preparation phase, fulfill the conditions on your purchase agreement:
1. Submit the deposit to the real estate agent.
2. Arrange a home inspection with a local provider.
3. Complete the condo document review and title search with your lawyer.
4. Ensure the lender completes the appraisal by the waiver date.Maintain the timeline:- List important dates on a calendar for condition fulfillment.
- Adjust the waiver date if necessary, based on condition completion.Once all conditions are met, finalize the offer with the seller, committing to the purchase. A period between the offer and closing date follows, typically spanning weeks or months.Maintain financial stability:- Avoid changes to your financial situation, job, or debt.
- Adhere to agreements with the lender and seller to avoid issues.Plan for the move:- Arrange moving services and update your address.
- Update utilities and notify relevant parties.
- Update your ID and insurance information.If planning home improvements, source contractors/trades for quotes and schedule the work. Completing the work becomes more challenging once you're settled.Resources:
Deeded, Axess Law or find a local provider
Home Inspection - Find a Local Provider
MovingWaldo can assist you to find a moving company and update all your addresses.Close the Deal
To ensure a smooth closing day, complete the following tasks as your possession date approaches:
1. Coordinate with your lawyer: Contact your lawyer to discuss next steps, appointments, and important dates.
2. Conduct a final walkthrough: Arrange a final inspection of the property to ensure it meets your expectations and any agreed-upon repairs are completed.
3. Confirm mortgage and insurance: Verify your mortgage approval and finalize documentation with your lender. Obtain homeowner's insurance for the property.
4. Obtain title search and insurance: Your lawyer will conduct a title search to verify ownership and check for encumbrances. Consider getting title insurance for added protection.
5. Review closing costs: Thoroughly examine the costs associated with closing, including taxes, legal fees, and appraisals.
6. Coordinate funds for closing: Work with your lawyer to ensure all necessary funds, such as the down payment and closing costs, are available in your account on time.
7. Sign closing documents: Meet with your lawyer to sign the required paperwork, such as transfer of land documents and mortgage agreements.
8. Register the transfer: Your lawyer will officially record the property ownership transfer with the land registry office.
9. Closing funds disbursement: Your lawyer will handle the distribution of funds, ensuring the seller is paid and outstanding balances are settled.
10. Celebrate and take possession: Enjoy your new home! Coordinate with the seller to obtain the keys and take possession.Note: Be flexible in case of any delays in receiving the keys, as there can be valid reasons for such occurrences.

12. Move-In Must Do's

12. Take Possession of the property
Before you move in your belongings, there are several things that you need to do before you even move in to your new home.
a. Inspect the Property - Conduct a thorough inspection of your new home to ensure that it is in the expected condition. Check all rooms, appliances, plumbing, electrical systems, and other features to identify any issues or damages that may need attention. Property Inspection Kits
b. Change the Locks: For enhanced security, consider changing the locks or rekeying the existing ones. This helps ensure that you have sole control over access to your new home. Front Door Lock
c. Utilities and Services: Contact utility companies (electricity, gas, water) to transfer the accounts into your name and ensure that services are set up and functioning properly. Check internet, cable, and phone connections as well. Utilities and Services Equipment
d. Familiarize Yourself with Home Systems: Locate and understand the main shut-off valves for water, gas, and electricity. Learn how to operate the HVAC system, thermostat, security system, and any other essential home systems.
e. Complete Renovations: When your new home is empty, this is the perfect time to complete any renovations that you might want to do over the next 5 years. Do these renovations right away if possible to avoid having to complete a more challenging renovation in the future. Home Renovation Materials
f. Deep Clean and Make Necessary Repairs: If needed, schedule a deep cleaning of the home before moving in. Attend to any minor repairs or maintenance tasks that may have been identified during the inspection. Cleaning Equipment
g. Update Address and Notify Entities: Inform relevant parties about your change of address, including Canada Post, government agencies, financial institutions, insurance providers, subscriptions, and other important contacts. Update your driver's license, health card, and vehicle registration if necessary.
h. Set Up Essential Services: Arrange for services such as internet, cable TV, and home security if you haven't done so already. Consider setting up utilities like garbage collection, recycling, and composting services.
i. Plan Your Move-In: Organize and prioritize your move-in process. Unpack essential items first, such as bedding, toiletries, kitchen essentials, and clothing, to make your new home comfortable right away. Moving Materials
j. Create a Home Inventory: Take inventory of your belongings for insurance purposes. Document valuable items and consider taking photos or videos of each room for reference. Home Inventory Guide
k. Organize your documents - New home, new start. Plan a way that you are going to organize your data. Document Organizers
l. Meet Your Neighbors: Introduce yourself to your new neighbors, as they can provide valuable information about the community, local services, and amenities. Building a friendly relationship with neighbors can contribute to a sense of belonging and security.Remember, everyone's priorities may differ based on personal circumstances and preferences. Customize this list to align with your specific needs and make your move-in process as smooth as possible.Resources: (affi)
movingwaldoTop 50 things you should buy when you get a new home, listed by urgency:Here's a list of 50 items you may need to buy for your new home in Canada, ordered by urgency: (affi)1. Mattress and bedding
2. Basic kitchenware (plates, utensils, pots, pans)
3. Cleaning supplies (all-purpose cleaner, broom, mop)
4. Toilet paper and toiletries
5. Shower curtain and bath accessories
6. Food and groceries
7. Curtains or blinds for privacy
8. Lighting fixtures (light bulbs, lamps)
9. Laundry essentials (detergent, hangers)
10. Garbage cans and recycling bins
11. Basic tools (screwdriver, hammer, tape measure)
12. Fire extinguisher and smoke detectors
13. Window coverings for privacy
14. Kitchen appliances (stove, refrigerator, microwave)
15. Seating furniture (couch, chairs, dining table)
16. TV and entertainment system
17. Internet and cable service
18. Vacuum cleaner
19. Bedroom furniture (dresser, nightstands)
20. Closet organization/storage solutions
21. Bathroom essentials (towels, shower mat)
22. Cookware and kitchen gadgets
23. Cleaning tools (vacuum cleaner, broom, mop)
24. Shelving units or bookcases
25. Small kitchen appliances (coffee maker, toaster)
26. Iron and ironing board
27. Trash bags and liners
28. Bathroom storage solutions (shelves, baskets)
29. Desk or workspace furniture
30. Lawn and garden tools
31. Outdoor furniture
32. Outdoor grill or barbecue
33. Home security system
34. Home office equipment (computer, printer)
35. Outdoor maintenance equipment (lawnmower, snow shovel)
36. Kitchen pantry essentials (spices, oils, condiments)
37. Decorative items (artwork, plants, vases)
38. Additional storage solutions (storage bins, closet organizers)
39. Tool storage and organization
40. Home gym equipment
41. Outdoor lighting
42. Pet supplies (food, toys, bedding)
43. Outdoor maintenance supplies (fertilizer, weed killer)
44. Home automation devices (smart thermostats, security cameras)
45. Home theater system
46. Additional seating (bar stools, extra chairs)
47. Children's furniture and accessories
48. Specialty kitchen appliances (blender, slow cooker)
49. Home decor (rugs, curtains, decorative pillows)
50. Specialty items (hot tub, sauna)

13. Maintaining Your Home

1. Spring Maintenance Checklist
- Inspect and clean gutters and downspouts. Downspout and Gutter Equipment
- Check the roof for any damage or loose shingles. Home Roof Maintenance
- Inspect and clean outdoor drainage systems. Outdoor drainage system parts
- Service your air conditioning system. Air Conditioner Maintenance Help
- Test and replace batteries in smoke detectors and carbon monoxide detectors. Smoke Detectors
- Check and repair any cracks or gaps in the foundation or exterior walls. Foundation Wall Repair Kit
- Prepare and maintain your lawn and garden for the upcoming season. Lawn and Garden Tools
- Change filters in HVAC. HVAC Filters
- Change filters in water systems. Water System Filters
- Service vehicles and change tires. Vehicle Maintenance Supplies
2. Summer Maintenance Checklist
- Inspect and clean outdoor decks, patios, and fences. Pressure Washers
- Trim trees and shrubs away from the house. Tree Trimmers
- Inspect and clean windows and screens. Window and Screen Cleaners
- Check and clean the barbecue grill and patio furniture. BBQ and Patio Cleaners
- Monitor and control pests (insects, rodents) around your home. Pest Control
- Dehumidifier to prevent mold growth and cool home. Dehumidifers
- Service your HVAC system. HVAC Service Equipment
- Test and ensure proper functioning of irrigation systems. Irrigation Systems
- Change filters in HVAC. HVAC Filters
- Clean Lint out of Dryer from inside and outside. Dryer cleaning tools
3. Fall Maintenance Checklist
- Clean gutters and downspouts to remove fallen leaves. Downspout and Gutter Equipment
- Inspect and clean the chimney and fireplace. Clean Chimney and Fireplace
- Check and repair weather stripping around windows and doors. Weather Stripping
- Insulate pipes to prevent freezing during winter. Pipe Insulation
- Prepare and store outdoor furniture, garden tools, and equipment. Outdoor Furniture Storage
- Service and prepare your heating system for the colder months. Heating Systems
- Test and replace batteries in smoke detectors and carbon monoxide detectors. Smoke & Carbon Monoxide Detectors
- Change filters in HVAC. HVAC Filters
- Change filters in water systems. Water System Filters
- Service vehicles and change tires. Vehicle Maintenance Supplies
4. Winter Maintenance Checklist
- Clear snow and ice from walkways and driveways. Snow Removal Tools
- Inspect and maintain the roof for ice dams and snow accumulation. Roof Ice Guards
- Monitor indoor humidity levels and increase humidity to prevent warping or cracking of home. Humidifer to improve humidity levels.
- Check and maintain your heating system for optimal performance
- Seal any gaps or cracks that may cause drafts and energy loss. Draft Insulation Materials
- Protect pipes from freezing by insulating them and letting faucets drip. Pipe Insulation
- Regularly shovel and remove snow from around the foundation to prevent damage. Snow Removal Tools
- Change filters in HVAC. HVAC Filters
5. Year-Round Maintenance Tips
- Regularly clean and maintain appliances (fridge, oven, dishwasher). Home Appliances
- Test and replace batteries in smoke detectors and carbon monoxide detectors Smoke & Carbon Monoxide Detectors
- Monitor and maintain proper indoor ventilation and air quality
- Conduct regular inspections for signs of leaks, water damage, or pest infestation. Water Damage Repair
- Stay proactive with home repairs and address issues promptly. Home Repair Tools
- Keep important emergency contact numbers readily available. Emergency Contact List