Moving to a new home is a daunting task and finding a reputable, reliable moving company is at the top of the headache list. There are important steps to take to make sure you hire a company that will be priced right, perform their task on time, and take excellent care of your belongings.

Get referrals from people you trust.
Choosing your mover based on recommendations from people you know is almost always a safe bet. No one is going to give a nod to a company that gave them poor service or caused damage to their possessions. Think of anyone you know who moved recently. Send out an email to friends, family and coworkers. Your real estate agent should be an excellent source as well. There are plenty of companies to hire, but you must be vigilant to find a good one.

Do some research.
Moving scams can happen, so approach this project with attention to detail. Once you have a list of potential companies, do some preliminary research on them. You are looking for a professional moving company, not just a bunch of guys who move people as an extra job. Check online customer reviews of each company’s reputation and how long they’ve been in business. Social media sites such as Yelp and Citysearch are helpful. Another good resource is the American Moving and Storage Association. See if the company has accreditation with the Better Business Bureau. For moves from one state to another, the company should have a unique USDOT number. This is a license issued by the U.S. Department of Transportation. For moves within the state, they need a state license.

Schedule meetings with company estimators.
After your research, you should end up with at least three trustworthy, professional companies to call for in-home estimates. Don’t accept a bid over the phone. If a company tells you they can give you an accurate estimate with an email or phone call, move on to the next name on your list. Find movers that will send a representative to your home and give you an estimate after they take a look at your belongings. Make sure the estimator sees everything you plan to take, including the contents of your attic, basement, closets and garage. Discuss the cost of moving specialty items, such as antiques, pianos, or pool tables. Let the estimator know of any complicating circumstances at the destination of the move. For example, will it be difficult to find a place to park the moving van? Are there multiple flights of stairs or an elevator? The estimator needs all your information to give you an accurate bid.

Compare the estimates.
Find out exactly what each estimate includes. Are fuel charges extra? Will you get a better rate depending on the day of the week you choose for your move? Find out if the estimate is binding or nonbinding. You want a binding estimate or a binding not-to-exceed estimate. Make sure the mover’s signature and date is clear on the bottom of the estimate. If yours in an in-state move that doesn’t require a binding estimate, you should still have a written estimate of the hourly rate and any other costs you may incur. Ask questions and, if you need to make any changes, get the revised contract in writing from the company.

Negotiate for the best price.
You should feel free to negotiate if the mover you like best seems too expensive for you. Mention that you have competitive bids from other companies and find out if they are willing to come down in price. Be cautious: if one of your companies gives you a low price that seem too good to be true, it probably is. A low-ball estimate can be a ploy to get your business, but the movers may then hold your possessions hostage unless you pay a higher price in the end.

Make sure you’re insured.
Unless the company does the packing, they may not cover any breakage that happens in transit. Check to see if your homeowners or renters insurance covers your belongings during a move. If not, you might choose to invest in supplemental moving insurance.

Take care of moving day details.
On moving day, you should get a copy of the mover’s inventory when they have the truck loaded. Give them detailed directions to your new home and get a phone number where you can reach the crew during the move. The movers will issue you a bill of lading, which will specify minimum and maximum amounts to pay, dates, company contact information and other details. Make sure you are satisfied with the price, the moving company’s liability, delivery date and all other information in the contract. Keep your copy of the contract, the bill of lading and the inventory sheet accessible until the move is complete.

You may be tempted to buy or sell a home without the help of a professional real estate agent. However, you are risking time, money and aggravation without an agent’s skills to help you move through all the stages of a real estate transaction. Your agent’s knowledge is valuable in all cases, but especially if you should hit a snag. At least one in every five home sales encounters a problem that can delay or cancel the deal. Whether it’s handling inspections, documents, pricing or marketing, you need a professional’s help if you want the best results.

All experienced home owners know that the purchase isn’t simply two parties reaching an easy agreement, signing papers and calling the movers. There is a bewildering amount of paperwork involved and real estate regulations can change from state to state. You need to know the requirements of the homes association if there is one. Your agent will coordinate closing dates, the contract, title issues, deposits and the list goes on.

Currently much of the country is experiencing a seller’s market with multiple offers coming in for many properties. Having a seasoned agent on your side will help you compete against other buyers. Agents have an established network that will give you a first look at the kinds of homes and neighborhoods you want to consider. Negotiations are critical and your agent can manage them for you without emotions getting in the way. On the seller’s side, it can be hurtful to have buyers nitpick features of the home you love. Your agent can handle the criticism for you and still keep an interested buyer from being scared away.

You will need many different people to get a house bought or sold: a trustworthy home inspector, an efficient lender, a good interior designer, a home stager or a handyman are all possibilities. Depend on your agent to have the connections to make credible recommendations.

Your seller’s agent will help you evaluate the curb appeal of your home and suggest minor repairs or renovations to help the sale. Their knowledge of the current market will help you set a price for your home to move it quickly and get you the most return on your investment. As a buyer, your agent will not only keep you apprised of the homes available, but will also provide insight about the neighborhood, schools, access to roads and transportation and other community amenities. Additionally, there is a huge list of behind-the-scenes services your agent will handle to keep your transaction on track. A few of these include verifying the property’s legal description and zoning, ordering a plat map, reviewing appraisals, calculating utility costs, entering the property into the multiple listings service database, scheduling inspections, tracking the loan process and coordinating all closing requirements.

You may only buy and sell homes a few times in your life, but your agent has signed off on hundreds of deals. If you are thinking of looking for your next home on your own or if you are considering for sale by owner, reconsider. Play it smart and utilize the skills of a talented agent, your invaluable partner for getting the best deal whether you are the buyer or the seller.

You have found your dream house and the sellers have accepted your offer. It may seem like blue skies with nothing to do but pack and wait for the keys to the front door. However, be aware that there are still pitfalls to avoid so you don’t blow the deal before your closing date.

Be diligent about keeping your financial situation stable. It used to be that your credit history was reviewed only before you received approval for your loan. Nowadays underwriters check again just a couple of days before closing to make sure that you haven’t accrued any new debts or credit problems.

Your credit score played a significant part in securing your mortgage loan, so don’t do anything to jeopardize your score during the weeks before closing. Don’t apply for new lines of credit or deplete your cash reserves for other big purchases, such as a car or new furniture. Be up-to-date with your monthly bill payments as well. Anything that can make your credit score drop could send red flag to your lender. You don’t want to give them any reason to rethink your loan.

There will be a lot of paperwork involved in finalizing your loan and accidental errors are always a possibility. Be very prompt with any requests from your lender for additional documents. Incorrect or missing documents will cause delays in your closing or even halt it completely.

Home inspections will be done prior to closing. You want a thorough inspection that will uncover significant problems with the property. This is not an opportunity to nitpick every flaw and make unreasonable demands from the seller. Inspections are made for your protection as the buyer. Faulty wiring or termite damage are problems that likely need to be addressed before the sale is complete. However, quibbling over small flaws in the paint or a chipped sink or similar cosmetic problems may just aggravate the sellers without any benefit to you. Keep in mind that you may require some accommodation from the sellers before signing the final paperwork. For example, you might need some extra time before closing and want to move the date back a couple of days. This happens frequently. The sellers may be less willing to cooperate if you have turned inspection results into an unpleasant confrontation.

Finally, once your offer has been accepted and your closing has been scheduled, stop looking at other homes for sale. Yes, it is tempting to keep checking on what else has come on the market. But you might end up with a raging case of premature buyer’s remorse. Don’t worry that another house is better than the one you chose. You loved the house when you made the offer and you have a legally binding contract with earnest money paid toward that purchase. Now is the time to make plans for your new house: choose paint colors, make furniture placement diagrams and let the kids decide which bedrooms they want. Be patient and pack. Moving day will come before you know it.

There are many of us who dream of owning an older home, full of charm and personality. We imagine gorgeous woodwork, wrap-around porches, arched doorways, ornate fireplaces and sweeping carved staircases. All those hopes may come true, but be careful to evaluate the work and expense that can go along with owning an old house.

Talk to your real estate agent about getting a very thorough inspection. Some experts even recommend two inspections for an older property because there can be so many hidden problems. You want to be in a position to negotiate repairs in case significant or dangerous problems are discovered. Here are some possible pitfalls to anticipate.

Foundation and Structural Issues

Even meticulously built homes can shift over time, causing cracks in foundations and walls. Doors and windows may jam; chimneys may need realignment and stonework might need attention. Moisture creeping in over time can cause dry rot or corrosion, which can lead to mold or mildew. Old homes have a high risk of termite damage which can devastate floors, structural supports and drywall. All these repairs can be extremely expensive and homeowners insurance likely will not cover the cost.

Hazardous Materials

If the house was built before 1978, it likely contains lead paint inside and out. Professional paint removers can be hired if you are uncomfortable living with lead paint, especially if you have young children. Old lead pipes pose another issue. A water filtration system for the entire house or at least the kitchen faucet is the most cost-effective fix, but you might be faced with replacing all your pipes.

Asbestos was commonly used in insulation and fireproofing material until the mid-1970’s. Old popcorn ceilings probably contain asbestos, too. Removal costs vary greatly depending on the size of the project. If you are planning to remodel, asbestos removal is recommended.

Unsafe Electrical System

Find out the age of the home’s electrical system. If it is still the original knob-and-tube wiring, you should get a quote to replace it. Insulation for the wiring needs to be intact and the electrical panel and circuit breakers should be up-to-date. If the original wiring has already been replaced, it must be up to code to be safe and efficient. Check for code with updated plumbing as well.

Old Appliances and Mechanics

Kitchen and laundry room appliances, air conditioning systems, furnaces and water heaters all have an expected lifespan. Check the age of every unit to determine how much longer it should be operational so you can create a reasonable replacement schedule. Figure that into your household budget for the coming years if you decide to purchase the home.

Trees, Leaves and Roots

The beauty of a long-established neighborhood is usually a big plus when buying an older home. Towering trees and mature flowering shrubbery have great appeal, but keep in mind the price that comes with them. Trees need to be trimmed regularly or you risk dramatic problems when they are covered with ice in the winter. Autumn brings bushels of leaves to be removed. Old, tall trees have long roots that can crack foundations and sidewalks or grow into plumbing systems. All of this is costly.

Good News

The caution here is simply to be aware of hidden costs when you find your perfect antique dream house. There are plenty of excellent reasons to buy. Older homes are frequently in wonderful locations close to downtown cores. You are likely to find a long-established, close-knit community with lots of history. There is a good possibility that you will find craftsman-quality construction in the architectural features you admire. You also have a good chance for building equity with a strong long-term investment, if the upkeep isn’t too steep. Old houses are in limited supply and if you have a gem in a desired part of town, it will likely always be in demand when you decide to sell.

There are advantages to selecting a closing date either close to the first or close to the last of the month. Whether you are the buyer or the seller, you have a vested interest in the closing date working for you. The date is negotiable until the contract offered by the buyer is accepted by the seller. From that point on, all efforts must be made to ensure the date is met. If you don’t close on time, you can complicate your move and risk losing the house.

As a buyer, you need to give yourself plenty of time to work out details with your lender. Most people set a closing date 30 to 45 days after the offer is accepted. A home purchase has many moving pieces and there’s always a risk that more time will be required than you think. For example, the lender may ask for additional documentation as part of the loan process. Unless you are paying cash, you don’t want a quick closing date.

Frequently, it is wise to choose a closing date near the end of the month. Interest is prorated from the date you close to the last day of the month, so you will pay less if you close near the 30th. For example, if you close on July 10, you will have to pay 21 days of interest. If you close on July 25, you only pay six days of interest result in a savings of several hundred dollars due at time of closing.

However, there are certain advantages to closing early in the month. While you will indeed pay more in pre-paid interest, you won’t have a house payment for nearly two months. This may be your best choice when considering cash flow during your move. Loan interest is paid in arrears and your pre-paid interest will cover to the end of the month. If you close in early July, for example, you won’t have a house payment due for August until the first of September. Also, because many people choose the end of the month for their closing, it is the busiest time for mortgage brokers. If the lender has a backlog, the closing could be delayed.

You will establish an occupancy date as well as a closing date. At closing, you will assume ownership of your new home. However, the actual move-in date may occur later depending on your circumstances. Sometimes the sellers have already vacated the property or will move out immediately upon closing. Others may request an extended occupancy due to the move-in date of their next home and will then pay rent to you as the new home owners until they are gone. Also, you may choose to do some renovation work on your new home before moving in and will plan on a later occupancy date. Of course, your plans will need to coordinate with the move-out date of the property where you currently live.

One last tip:  avoid the holiday rush. If you are planning to make your move over a holiday, such as the four-day Thanksgiving weekend, don’t schedule your closing date for the Wednesday before Thanksgiving. Back it up to the Monday prior so that any glitches that might arise won’t derail your long-weekend moving plans.

Throughout the closing process, your real estate agent will guide you in planning dates and avoiding pitfalls. Lean on their expertise and you’ll be living in your new dream home before you know it!