Avoid Paying Unnecessary Fees by Lowering Your Closing Costs—Here’s How

The Honeymoon Phase As with anything in life, a remodeling project can come with its ups and downs. Certain phases seem to go a mile a minute, while others feel like they’ve lasted a lifetime and a half, all while it looks as though nothing is being completed. Fear not — this is pretty typical. And, while every project is different, a good portion of renovations have four major phases, what I’m calling the Honeymoon, the Midproject Crisis , the Renewal of Vows and the Happily Ever After . For now, let’s take a closer look at the Honeymoon phase of renovating. After weeks of searching for a remodeler in your area, calling references, checking out their Houzz profile and working toward an agreeable price, you say, “I do,” sign the contract, finalize the design and begin work in two weeks. There’s a little nervousness in the air, but as you enter the Honeymoon phase, the mood is mainly one of excitement. Demolition Begins A couple of weeks go by, and the day comes for work to start. Protective products are placed, and demolition begins. Demo, sweet, demo. Normally one of the quickest moving stages of a remodel, demolition makes it look as if a lot of work is being done practically overnight. Cabinetry is removed, walls are torn down, appliances are taken away and, in a matter of days or weeks (depending on the size of your project), you’re staring at a blank canvas. After that, any necessary framing and structural work will begin. Framing usually isn’t as exciting or fast-paced as demolition, but still, there is visible progress almost daily. At this point, you and your partner are walking on air. The rate of work is astounding, and you’re still very excited (although maybe a little less nervous now) about the entire project. Speed Bumps Ahead! However, like a delayed flight on a real honeymoon trip, there are obstacles that can slow down this phase, specifically during demo. If you’re living in an older house, there’s the possibility that when your walls are opened, asbestos or lead could be discovered, which will need to be dealt with before work can continue. Another common speed bump is building permit delays. Going through government-mandated processes can be tricky sometimes, especially if you or your building professional don’t have everything you need to get the green light from your municipality the first time around. More holdups can come from structural elements that become apparent after demolition. For example, say you were going to move a door to another wall in your dining room. Once the demo crew opens up the wall where the new door will be installed — surprise! — there are plumbing pipes running the height of the wall. Reconfiguring design to meet these new requirements will add time to the demo stage. Don’t panic. These delays happen often, and it’s worth accounting for and accepting these hurdles before you even begin to think about renovating. Rolling With the Punches To help your honeymoon run more smoothly, here are a few tips I’ve learned from witnessing hundreds of remodels (and even surviving a couple myself). Embrace change. Really. Give change a huge hug. Get to know it on a personal level. Because no matter what room you’re touching (whether it’s the kitchen or a teensy guest bath), it’s likely that you use that room daily. The sooner you accept that this room (major or not) will be unavailable for a period of time, the sooner you’ll be able to adapt your daily routines to fit around it. Love your microwave. This applies to kitchen remodels specifically. As soon as demo is done, your primary cooking and eating area will be gone. Before your project starts, find an untouched room in your home to create a mini kitchen that will include necessities such as a microwave, toaster oven, and coffee pot. Think of it as the mini kitchen you had in your dorm or apartment in college and revel in the nostalgia. Don’t worry too much. I know this sounds hard — OK, really hard, especially for control freaks like myself — but trusting your building professionals to know what they’re doing (even if you do come across one of the aforementioned speed bumps) will really help you keep your head on straight. And if you do have questions or concerns... Communicate! Communication has proved time and time again to be one of the biggest parts of a remodel — and a successful marriage. I cannot stress it enough. Talk with your contractor, talk with your significant other — talk, talk, talk. Ask framing questions, bring up budgetary concerns, muse over paint colors. Whatever is on your mind, getting it out of your head and into the air is beneficial for everyone involved (especially you). And remember: The Honeymoon phase of a remodel is definitely one of the high points in a process with numerous peaks and valleys, so try to enjoy it. No matter what you may encounter during demolition and framing, it’s likely that the mood of everyone on board — you, your contractor, your family and even your pet — will be very positive. You’ve just embarked on a new journey, and the excitement of watching the image of your new home come into focus just adds fuel to your fire. Revel in that post-contract-signing bliss and maybe enjoy a glass of your favorite beverage with your significant other while you two imagine the new space that will be formed in your newly torn-apart home. Enjoy it, because what lies ahead is a bit uncertain. With that in mind: What happens when it feels like nothing is happening? Is there still work being done? Are we still on schedule? Is it OK to freak out a little bit ? The Midproject Crisis Prepare for the mechanical rough-in stage, and don't worry if things don’t look like they’re progressing on the surface We recently covered the ins and outs of what I refer to as the Honeymoon Phase of construction. Next up is a stage similar to a concept most everyone is familiar with: the Midlife Crisis. (Whether you’ve experienced one or not is an entirely different story.) It often comes with questions like, “What am I doing? Where am I going? What is the meaning of life?” Likewise, the second phase of a home remodel, which I fondly refer to as the Midproject Crisis, is paired with parallel questions: What’s my contractor doing? Are we still moving forward as planned? Was this really all worth it? And of course: What is the meaning of life? Fear not: Your contractor is working hard, your project is moving forward and, yes, your decision to renovate your home is, and will be, worth it. I can’t really speak about the meaning of life, but I can speak about the experiences of homeowners and remodelers during this period of a remodel. Typically, once demolition and framing is finished (the Honeymoon Phase ) and before sheetrock is put up, mechanicals will begin. (This probably is referred to as “mechanical rough-in” or “mechanical rough” by your contractor.) Mechanicals refer to the guts of the house: electrical; plumbing; and heating, venting and air conditioning (HVAC). Like our own guts, most of the work done during mechanicals occurs behind the scenes. So what is going on behind the scenes? Let’s break it down by type of work. Electrical. The groundwork for all new light fixtures, outlets, switches and appliances will be done during this phase. New wiring will be run in the walls and ceilings, electrical boxes will be installed for future fixtures, and electrical panels may be upgraded so they can handle heavier loads (this is especially prevalent in remodels where appliances are added). At this point, electricians are making sure that everything that will need power will have access to it and meet your municipality’s building code. Plumbing. As with electrical, plumbing rough-in ensures that all plumbing fixtures, appliances and other water features will be supplied with water, gas (if your house uses natural gas) or both. So pipes may be moved or installed in new places, shower pans (the things that make sure the water stays in the shower) are installed and inspected, and gas lines may be moved, extended or even put in. HVAC. Unlike electrical and plumbing, HVAC is the only mechanical where nearly all the work is completed during the rough-in stage. Pathways for new vents (for bath exhaust fans or kitchen vent hoods) are determined and vents are installed, air conditioning units may be replaced, and air return vents are located in appropriate positions. All this sounds exciting, right? No doubt, it is. But the progress isn’t as visual as it is in the Honeymoon Phase. Since everything occurs behind walls, under foundation or in attics, the big “wow” just isn’t there like it is when everything is torn apart. It’s around this time that I’ve often seen homeowners concerned about progress. Yes, plumbers are there, but where are the new sinks? Why isn’t there a single light fixture installed yet? Is the HVAC guy even working, or is he just taking a nap in the attic? The other contributing factor to the crisis is the fact that any speed bumps that crop up during this phase take a bit more time to resolve. Overall, the placement of existing framing is the biggest obstacle in mechanical rough-ins. If your plans specify that there is going to be a can light in Location A, but Location A has a structural beam directly above it — no can do. Or say your architect has designated a toilet to be mounted on the wall instead of on the ground, but existing wall framing prevents this from being a viable option. Back to the drawing board. Or maybe your HVAC contractor needs to be able to provide ductwork to a new vent hood location in your kitchen, but there is no open attic space to place the ducts. Time to think through the alternatives. Another obstacle, which is less common but should still be noted, is the condition of existing mechanicals. Any wiring, plumbing or venting that is found to be damaged, dangerous or just not up to par with your municipality’s building code will likely need to be remedied. And don’t even get me started on inspections. If your job is permitted, inspections for mechanicals will occur during this stage. City building inspectors are (at least where I’m from) well known for being thorough. If you don’t have everything just right (which ultimately is good, because they’re looking out for your safety), they will not hesitate to make your contractor fix the issue before any work can continue. So we’re halfway there. What’s next? Is the light at the end of the remodeling tunnel finally visible? When will your house start to look like a home again? The Renewal of Vows In this stage, you’ll reconnect with your original vision of your home and finally start seeing it come together Passing the midway point of a remodel can be an exciting time. After weeks (or months, but hopefully not years) of being in a state of disarray, things finally start to feel as if they’re coming together. You’ve experienced the fast-paced bliss of the Honeymoon . You’ve trudged through the slowdown that comes with the Midproject Crisis . And now? Now you’re ready to gaze lovingly into your contractor’s eyes again. Everything you’d hoped and dreamed about when you first envisioned your project is coming true, and you’re feeling ready to say “I do” all over again. It’s time for the remodeling phase I like to refer to as the Renewal of Vows. You probably won’t hear your contractor refer to this phase as such. (But how fun would that be?) Just as the Midproject Crisis is more commonly referred to as the mechanical rough-in stage, this phase has other, more industry-standard names. You will probably hear words like “finish out,” “trim out,” “mechanical trims” or “finishes." And, as you can probably guess, this phase is about finishing and beautifying the work that was started in the first couple of months. There’s a lot that may (or may not) be involved in the finish stage of your job, depending on your scope of work, but here’s a list of the most common steps that happen during this phase. Sheetrock. Holes made during rough-in will be patched, new Sheetrock will be put up at any new walls or ceilings, and texture will be applied to make your walls look like walls again. Trim carpentry. There are a few different types of trim that may be installed at this phase: baseboard (which runs along the joint where the bottom of a wall meets the floor), door and window casing (which is installed around the perimeters of doors and windows) and crown molding (which is run along the joint where the top of a wall meets the ceiling). Trim is purely optional — some more contemporary designs forgo it entirely — but it is meant to create a finished, unified look. Cabinetry. The installation of cabinetry is usually around the time when I see a little glimmer come back into a homeowner’s eyes. This is when the kitchen starts looking more like a kitchen, but it’s also when you can visualize how your other storage pieces, such as built-ins and bathroom cabinets, will change the function of your home. Electrical and plumbing trim. This is the other big “wow” that comes with the finish-out phase. A master bathroom can start to look completed when tile and cabinetry is installed, but throw in a free-standing tub and a shower full of rain heads, handheld fixtures and a steam unit, and suddenly you’re not looking at a mostly done, unidentifiable space — you’re looking at your master bathroom. The same goes for electrical items like decorative light fixtures or appliances. Seeing new stainless steel (or whatever your preferred finish is) appliances being brought into and installed in your kitchen make most people go starry-eyed and drool a little. No judgment here — I’ve done the same. There are a million moving parts during the mechanical finishes phase. And I admit, as a homeowner and general contractor, this is exciting to see. Just like during the Honeymoon, a lot of visibly quantifiable work is being completed. Only this time, instead of things being torn up and thrown out, they’re being brought in and installed. The puzzle pieces are finally fitting together, and you are starting to see the big picture. (Dreamy sigh.) I’ve harped repeatedly about how communication is key, and this still rings true during the Renewal of Vows stage. But patience is also important. As you see new things being carried in and installed, it can be so tempting to begin moving back into your new space or using your new kitchen. But your contractor may still need some time and space to work. There are last-minute items that will ultimately guarantee your satisfaction that need to be taken care of before you and your family can begin enjoying your new remodel. So hang in there, and your patience will be rewarded. HVAC trim. I mentioned in the last installment that most HVAC work is done during the rough-in stage, so what is left? Essentially, all that needs to be done is the installation of vent covers and thermostats and maybe a little tweaking of the air-conditioning system. Nothing too exciting, but it should be noted nonetheless. Miscellaneous. Like I said, there is a lot that can be going on during the trim-out stage. Flooring — such as carpet, wood, tile or laminate — will be installed. (Flooring installers are known for insisting that they be the absolute last people to work on a house.) Tile will go up in showers and as backsplashes. Countertops will go in. Priming and painting of walls, ceilings, trim and cabinetry will be completed. A little landscaping may even be done. You may be thinking: There can’t be anything left, can there? That’s it, right? Everything is installed, the house looks like a house again, time to move in and get settled. Not so fast. You’re almost there. Find out what final bits and pieces are involved in the end phase of a remodel, what I like to call the Happily Ever After stage. Happily Ever After At last your project is coming to a close. Well, almost. Don’t forget these final steps before you settle in. This fairy-tale phase of a home remodel is the tail end of any major project. The Honeymoon has come and gone. The Midproject Crisis has thankfully passed. The Renewal of Vows has given you the strength you need to continue on, and now we’re finally, and gratefully, just about out of phases. It’s time to wrap up this series on the ups and downs of remodeling by detailing the final few steps that are taken to complete a home remodel. What I call the Happily Ever After phase. Whether you have experienced it, known someone who has gone through it or have only read about it, you’re probably familiar with what it’s like to be in love. Emotions run the gamut of excitement, happiness, giddiness and contentedness (as well as a wide range of others). The person in love is likely to be gushing about her beau or his sweetheart to anyone who will listen. It’s a time when even the most cynical of people looks at the world through rose-tinted glasses. Moving back into a house after remodeling can be a bit like being in love. Are you not excited to use all your new appliances or plumbing fixtures? (Hello, new bathtub!) Is there not a smidge of giddiness as you think about coming home to your pristine new bathroom, kitchen or living room? Don’t deny it — you’re probably even babbling to the barista at Starbucks about your new space. During this Happily Ever After stage, finally, the work is done! At last, there are no more nail guns and saws and vacuums making noise in your house. After months of destruction and disarray, it’s time to move back in and enjoy your home, sweet home, for the rest of your days (or at least until you sell it or remodel again). And though most of this phase is just you at last having the chance to enjoy the fruit of your general contractor’s labor, there are a few odds and ends that your contractor will be taking care of to make sure your Happily Ever After really lasts forever. Cleaning This probably will happen before you move back into your home (or at least it should). Since day one of demolition, dust and debris have been thrown into the air and, much to your contractor’s chagrin, have crept into other places in the house that weren’t touched in the remodel. Now’s the time to do an all-inclusive clean. No, the cleaners won’t do your laundry for you, but they’ll do just about everything else, from polishing the floors to dusting the ceiling fans. The end-of-project clean is like a cleansing spa day for your home. Final Walk-Through The last walk-through ensures that you are completely satisfied with everything — and I mean everything — in your home. This is where you will have the chance to sit down and bring up all the odds and ends that you feel need to be addressed. This can be anything from “this faucet isn’t on straight” to “there’s a scratch on the new fridge” to “my shower isn’t draining correctly.” Contractors may vary on when they hold a final walk-through, but in my experience, it’s scheduled after the homeowners move back in and have a chance to use the new space. Your contractor should’ve caught just about everything during his or her own informal walk-throughs throughout the remodel, but sometimes there are items that just don’t come to the surface until a house is lived in. Warranty Begins Most builders and remodelers have a warranty for their projects. The length and amount of coverage can vary, of course, but what remains constant is the promise to stand behind their work for any unforeseen circumstances that arise and need addressing. (Side note: If you’re looking at contractors right now, ask them about their warranty. This can be very telling of how they conduct their business. The more that contractors are willing to warrant their work — or the longer the warranty — the more effort they will put into getting the job done right the first time.) For some contractors, the warranty formally begins after the final walk-through is hosted and the last payment is received. After that, some will stand behind any light fixtures that fizzle, appliances that break, tiles that come loose — you name it. In an ideal world, everything would work right the first time, and it would work right forever. In our world, however, there are bad manufacturing batches and recalls and oversights that may need to be taken care of. Fear not. If you have selected the right remodeler, these issues will be handled. What else is involved in the Happily Ever After? Absolutely nothing. Take a deep breath in, let it out, look around your new space and smile, knowing that it’s all yours, to have and to hold from this day forward, for better, for worse, for richer, for poorer, in sickness and in health, to love and to cherish till death do you part. You get the picture.

If you’re a homeowner getting ready to move , one question usually comes first: should you buy your next home before you sell, or sell your current house before you start looking? There’s no single right answer. The best call depends on your finances, your local market, and your timeline. And a trusted agent can help you weigh all of it. But in a lot of cases these days, selling first puts you in the stronger spot. The Advantages of Selling First Selling is usually the trickier half of a move today, so getting it done first clears your biggest hurdle. And that’s especially true right now , because there are more homes for sale than there are buyers, which means houses are taking longer to sell than they did a year or two ago. So how does leading with your sale pay off? Let’s start with the money. 1. You Won’t Get Stuck Paying Two Mortgages Buy before you sell, and you could end up carrying two mortgages at once. And especially since houses are staying on the market longer these days, that overlap may drag on for more time than you’d planned. And if unexpected repairs come up, it could get even more expensive. Selling first takes that risk off the table, so you’re not multitasking homeownership. As Ramsey Solutions puts it: “It’s best to sell your old home before buying a new one to avoid unnecessary risks and possible headaches.“ 2. You Can Use Your Equity To Fuel Your Move This is always true, but one of the biggest perks of selling first is that you’ll know exactly how much money you’re walking away with. And one of the big figures that matters in that conversation is how much equity you have in your current place. Equity is basically your house’s value minus what you still owe on your mortgage. And it adds up fast. According to Realtor.com , homeowners who’ve been in their home for 5 years have about $180,000 in equity on average. And those who’ve had their home for 6-10 years? They have over $340,000. After you sell, you can use that money to cover your down payment or even buy your next home in cash. And knowing that profit up front helps you plan your next move. 3. Your Offer Will Be Hard To Pass Up When your house is already sold, you don’t have to make your offer contingent on that sale. In a market where buyers are taking their time, that’s exactly what a seller wants to see. Picture it from the seller’s side. If their house has been sitting for a while, they’ll gravitate toward the offer most likely to close without a snag. That can also give you room to ask for a little more, like repairs, since a motivated seller would rather keep things moving than lose you and wait for another offer to come in. Your agent can help you make the most of your upper hand in that scenario. Is There a Catch? Selling first has its tradeoffs too, and it helps to see the pros and cons side by side before you decide. Here’s a quick breakdown based on information from Zillow (see visual below) :