The Ultimate Home-Buying Checklist

buying a home

Buying your first home comes with all the emotions — from the excitement of finding your perfect forever home to the nerve-racking experience of handing over your life's savings and taking on a large debt. And there's no Master Class for preparing for your first or any home buy. We chatted up Mint.com's CFP Brittney Castro, who walked us through the financial checklist for making sure you stay within budget. "This is really important because it will make sure you don't stretch yourself too thin and get into something we call "house poor," where all your money goes toward the house and you have nothing left for other goals or retirement," says Castro. Here are 10 steps for making a smart investment.

1. Know How Much You Can Afford. Before you fall for that 4 bed, 4 bath dream house, start by taking a good look at your budget. "Determine what bills you have, what your rent is now, how much more you could afford in the mortgage payment and other housing costs, which should include property taxes, home insurance, and maintenance and repairs," says Castro.

You can get a good estimate of what the mortgage will be from most real estate sites or use an online mortgage calculator and decide if you can swing it with your annual budget. "We talk a lot about budgeting and following the 50, 20, 30 rule of thumb," says Castro. That means you should dedicate 50 percent of your budget for fixed bills, 20 percent for savings, and 30 percent for fun stuff or variable expenses. "Out of that 50 percent, the guide is typically no more than like 28 percent of that is for your housing costs," she adds.

2. Start a Home Savings Account. If you're not quite at your home budget goal, you can open a home savings account to earn more interest than you would on a checking or regular savings account. "Because goals of a home down payment are usually five years or less, we suggest opening a savings account versus maybe investing in the stock market because that comes with more risk. You just don't know what the market will be five years from now when you want to buy the home."

This is also a good idea if you want to start saving for home repairs in case, for example, the roof breaks or if you don't have taxes and insurance embedded in your monthly payments.

3. Get Pre-Approved. Interest rates are low right now, which is a great time to lock in a mortgage rate. That said, you want to shop around for the best mortgage rate and loan. Castro recommends a locking in a 30-year fixed rate (where the interest rate doesn't change over time so no financial surprises) and that you're putting enough of a down payment (20 percent recommended) to not have primary mortgage insurance, or PMI. "Technically, you could get in the home sooner by putting down 5 percent because you won't have to save as long, but you just have to factor in there's going to be an additional monthly cost," she says.

Once you have your pre-approval, you'll be able to start searching with confidence knowing that you have the financials backed up (and the seller will feel confident too). FYI, here are the forms you'll need to get your mortgage approval:

  • The last two years' worth of your tax returns
  • Pay stubs or proof of income for the last two months
  • All bank statements, plus brokerage and investment account statements, for the last two years
  • Proof you have cash for the down payment and closing (or a gift letter if your parents are helping you)
  • ID like a driver's license or passport

4. Find a Realtor You Trust. Shop around for a local realtor too; someone who really understands the market in the area you're looking *and* someone you feel comfortable representing you. This is a big moment in your life at not a small expense so make sure the person guiding you through it feels like the right business partner.

5. Start Your Search. Here's the fun part, and usually step 1 for many. But it's important to cover 1-4 first to avoid disappointment and wasted time. Also, it's easy to fall in love with a home online. But set reasonable expectations for seeing it in person (those wide-angle lenses can really make a difference) and take the time to explore the neighborhood, day and night. Balance out what you'll need to repair on a fixer vs. choosing something turnkey in your budget range. And think for the long-term, how you'll grow into it vs. what you need right now.

6. Make an Offer. Congrats! You found your perfect home. Now comes the negotiating. Once you make an offer with the help of your agent, you'll have to put down what is called earnest money, to show that you're serious about your offer. This can be anywhere from 1 to 3 percent of the purchase price and goes into an escrow account (and will go toward the purchase of the home at closing). But note: if the deal falls through because of a problem on the seller's end, you get your money back, but if the problem is on your end (because you can't get financing), you may have to go to court to recoup it.

7. Get Financing. You may not get final approval on your loan until right before closing but you'll start the process once an offer is accepted. There's a lot of back and forth here as the lender determines whether you're worth the risk.

8. Order Your Inspections/Appraisal. You'll want to order a home inspection to make sure there are no surprises that will cost you later. This can also help with the negotiation process if there are issues like electrical or plumbing that weren't clear when you made the initial offer. As the buyer, you pay for the inspection and your realtor can help you schedule it.

9. Buy Home Insurance. You'll need to be approved for home insurance in order to finalize the loan approval so start that process ASAP.

10. Close (Yay!). The big day is here! You're officially a homeowner. So proud. On closing day, you'll sign a crazy amount of paperwork and your financing will be approved and ready to go. You'll also score the keys to the house! Before the final day, make sure that you have a certified check or scheduled a wire payment for your down payment and closing costs, you've got your homeowners insurance set up, and you have your ID with you. Congrats and happy decorating!

Photos 1, 2 by HiveBoxx on Unsplash

Photo 3 by Shutterstock

Tag us on your new home shots @BritandCo!

Festival fashion has always been about making a statement, but some trends are best left in the past. Remember the good old days of flower crowns and dip-dyed denim? We hate to break it to you, but certain Coachella staples are starting to feel more costume-y than a cool-girl outfit. If you want to keep your festival looks fresh as ever, it’s time to retire these “outdated” trends and make room for something new.

Scroll on to discover 7 Coachella and festival trends that were once everything to the fashion community, but have since fallen out of style.

1. Studded Denim Shorts

Etsy

One Of A Kind High Waisted Studded Shorts

Studded denim shorts were everywhere in the early 2010s, thanks to festival fashion legends like Kylie Jenner and Vanessa Hudgens. They were truly so edgy, but the excessive embellishments have since fallen out of style.

Levi's

Levi's Baggy Dad Jorts

If you want to go the denim route for a festival ‘fit, you’re better off rocking high-waisted designs or baggy jorts for a more current feel.

Urban Outfitters

Silence + Noise Mona Studded Shoulder Bag

To channel the good old days of festival fashion, you could totally bulk up your Coachella ‘fits with cute studded accessories like hats or purses!

2. Combat Boots

Amazon

Amazon Essentials Lace-Up Combat Boots

Combat boots – you know the ones! They were once the go-to footwear for grungy festival looks, but along with not being super practical for all-day wear, they just add an unnecessarily bulky vibe.

Tecovas

Tecovas The Beth Boots

Instead, cowgirl boots are the “it” shoe to wear to festivals like Coachella. They’re way more comfortable and go with everything from denim shorts to flowy mini dresses!

3. Fringe Tank Tops

Etsy

Fringe Beaded Tie Dye Top

Remember when everyone and their mothers were chopping up their tank tops with fringe hems? We definitely participated in this festival-inspired trend, even tying little plastic beads onto the strands. Oh, take us back!

Urban Outfitters

Urban Outfitters Zolli Embroidered Open-Back Fringe Halter Top

Fringe tank tops were most certainly a symbol of the boho aesthetic that was so big in the 2010s, but they’ve now been eclipsed by sleeker styles.

Free People

We The Free Fringe Out Vegan Suede Jacket

If you still want to embrace the Coachella nostalgia at your next festival, try out a fringy poncho or jacket or a purse for something a little more low-key.

4. Flower Crowns

Etsy

Sun Flower Headband

Nothing screams ‘early Coachella’ more than flower crowns, but this trend came and went so quick. Flower crowns became so overused that they became cliché – LOL.

Free People

Free People So Silk Bandana

Luckily, you can still achieve the carefree vibe without having to put one on! Opt for chicer hair accessories like hair clips, bandanas, or bows. Plus, braided hairstyles can totally replace the need for anything excessive.

5. Gladiator Sandals

DSW

Vintage Foundry Pruitt Sandals

Oh gosh, we totally regret that these were even a fashion trend. Gladiator sandals – especially the knee-high, lace-up versions – were huge at one point, but they’ve since lost their appeal due to their impracticality. Not only are they hard to walk in, they take literal years to put on and take off, and can cause weird tan lines if you’re standing out in the sun for a festival.

Teva

Teva Flatform Mevia Sandals

These days, chunky platform sandals or cowboy boots are more the norm when it comes to festival fashion.

6. Crochet Dresses

ASOS

ASOS Monki Crochet Knitted Mini Dress

While crochet absolutely still has a place in festival fashion, the fully-crocheted maxi and mini dresses that were once all the rage now feel a wee bit overdone – and too closely tied to the ever-popular boho aesthetic of the past decade.

Urban Outfitters

Motel Fulvia Ruffle Trim Slip Mini Dress

Instead, rock some sheer mesh dresses, flowy slip dresses, or lace-trimmed pieces that offer a more modern take on lightweight festival dressing.

7. Tie-Dye Everything

Los Angeles Apparel

Los Angeles Apparel Tie Dye Baby Rib Halter Top

Tie-dye was another huge festival trend. From shirts to shorts, everything was seemingly covered in the pattern around the 2010s. The visually heavy prints now feel pretty costume-like, compared to today’s more-refined festival fashion. Earthy tones and minimalist patterns feel more appropriate for today’s trends.

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We already know that Netflix's Sirens is all about "socialites, scandal, and power struggles" (Gossip Girl, anyone?), but the streamer finally just announced when we can watch the new show, and it's even sooner than we hoped. In addition to confirming its early summer release date, we also have a first look at stars Meghann Fahy, Julianne Moore, and Kevin Bacon — and it makes me want to watch the show even more than I already did. (And considering the show is produced by Margot Robbie, I already really wanted to watch it). Here's your first look at Netflix's new dark comedy.

Keep reading for the first look at Sirens, coming to Netflix May 22, 2025.

'Sirens' is an "explosive" look at power.

Netflix

In Sirens, Devon (Meghann Fahy) is worried about her sister Simone (Milly Alcock). Or, more specifically, Simone's way-too-close relationship with her boss, socialite Michaela Kell (Julianne Moore). When Devon decides enough is enough, she shows up to set Simone straight, unaware the "explosive" Labor Day weekend at Michaela's "lavish beach estate" will change everything.

"Sirens is an incisive, sexy, and darkly funny exploration of women, power, and class," the show's official logline says. And you know what? That makes for some great TV. The show is executive produced by LuckyChap's Dani Gorin, Tom Ackerley, and Margot Robbie, as well as Colin McKenna.

And the 'Sirens' cast makes it a standout series.

Netflix

In the Sirens first look, we see Meghann Fahy as Devon, armed with what looks like a fruit basket and a scowl. Here's the full Sirens cast list:

  • Meghann Fahy as Devon DeWitt: Simone's concerned and persistent older sister.
  • Julianne Moore as Michaela Kell: a mysterious philanthropist & animal activist and Simone's boss.
  • Milly Alcock as Simone DeWitt: Devon's witty younger sister who works as Michaela's personal assistant.
  • Kevin Bacon as Peter Kell: Michaela's billionaire husband.
  • Glenn Howerton as Ethan Corbin III: the Kells' wealthy, if indulgent, bachelor neighbor
  • Bill Camp as Bruce DeWitt: Devon and Simone's dad who's dealing with a devastating diagnosis.
  • Felix Solis as Jose: the manager, gardener, and head of security of Cliff House.
  • Josh Segarra as Raymond: Devon's on-again-off-again boyfriend.
  • Trevor Salter as Jordan: the very handsome captain of Ethan's yacht.
  • Britne Oldford as Missy: the Kells' seasonal housekeeper.
  • Lauren Weedman as Patrice: the Kells' strictly-business personal chef.
  • Jenn Lyon as Cloe: the meanest member of "The Fates."
  • Erin Neufer as Lisa: a passionate, zealous part of "The Fates" trio.
  • Emily Borromeo as Astrid: the ditzy third member of "The Fates."

Netflix

And Julianne Moore's Michaela is all grace and poise, especially at home in her lavish estate. “This story has a lot of teeth,” series creator Molly Smith Metzler says in an interview with Tudum. “There are real moments of drama, and it’s going to make people uncomfortable. Operatic is a word I like to use to describe it. It’s a true dark comedy — and it’s got a Greek mythology vibe.”

“Julianne’s just the dream for this role because she does feel ethereal,” she continues. “She’s from another kingdom. She is not a normie.”

Here's when you can watch 'Sirens.'

Netflix

Sirens will stream on Netflix starting May 22, 2025.

How many episodes does Sirens on Netflix have?

Netflix

Sirens has five episodes total, all of which will be an hour long.

Where was Sirens filmed?

Netflix

Sirens was announced in February 2024 and began filming in the North Fork of Long Island, New York over the summer of 2024.

Are you excited to watch Sirens this summer? Stay tuned for the latest news and read up on why Apple TV's New Thriller Show Cape Fear Will Hold You Over Until Big Little Lies Season 3.

Much like its main characters, The Buccaneers hit the Apple TV+ scene with flash and fervor. We fell in love with the St. George sisters, longing to see them find romance and (more importantly) true happiness by any means necessary. We embraced each girl in all their messy, shocking, period drama glory. We watched until the very end, desperately wanting more! And after the popularity of the first season, it's no wonder the network renewed this dreamy show for a second season.

Keep reading for the latest news. (Note: This contains spoilers about season one's finale!)

Here's everything we know about The Buccaneers season 2, coming to Apple TV+ this summer.

Where can I watch Buccaneers season 2?

Apple TV+

The Buccaneers Season 2 Release Date

The Buccaneers season 2 will premiere on Apple TV+ June 18, 2025. Apple shared this exciting BTS clip of our new favorite Regency Era stars having the time of their lives. It's just the boost we need to get through another week!

Who's in the season 2 cast?

Apple TV+

The Buccaneers Season 2 Cast

All our favorite cast members are returning for season 2 — and we'll also see Leighton Meester! “I was so happy to come on to play any role!" Leighton told TV Insider. "That being said, this is the best possible role that I could have ever asked for, and it’s going to be a secret until it comes out. Trust me, it’s worth the wait.”

Here's the full Buccaneers season 2 cast list:

  • Josie Totah as Mabel Elmsworth
  • Aubri Ibrag as Lizzy Elmsworth
  • Kristine Frøseth as Nan St. George
  • Imogen Waterhouse as Jinny St. George
  • Barney Fishwick as Lord James Seadown
  • Guy Remmers as Theo
  • Josh Dylan as Lord Richard Marable
  • Mia Threapleton as Honoria Marable
  • Alisha Boe as Conchita Glosson
  • Leighton Meester

What happens in The Buccaneers season 2?

Apple TV+

The Buccaneers Season 2 Plot

We shouldn't be so pressed to discover easter eggs about season 2 of The Buccaneers, but we are! Thankfully Kristine Frøseth revealed the ways she differs from her character Nan St. George and what viewers can expect to see. Though Nan is often seen wearing corsets, Kristine prefers a more casual look. "She's very constricted," the actress said of her character (via People).

In terms of what to expect this season, Kristine didn't reveal season 2's plot (sorry fans). She did say, however, the characters won't be in close proximity like they were in season 1: "I think our characters just are a little bit more separated so we're not seeing each other as much. Last time, we all lived in the same building and it felt like college, and now our storylines are a little bit more spread out...I think that's the biggest change."

How does Katherine Jakeways feel about the series' renewal?

Stuart C. Wilson/Getty Images

We had the opportunity to speak with series creator Katherine Jakeways,and she shared her enthusiasm about creating such a riveting period drama. "We're really excited for people to sort of get to know the world of it and meet these women and experience the female friendship of it," she says, hoping viewers "come out of it going, 'Wow these do feel like people that I know."

Now that The Buccaneers is renewed for another season, she told Apple TV+, "We know season one left audiences desperate to know what’s next for our buccaneers, so I’m absolutely delighted to have the opportunity to explore the further adventures of this smart, joyful, messy sisterhood.”

What did Apple TV+'s Europe Creative Director say about the new upcoming season?

Apple TV+

In the same press release, Jay Hunt admitted, "...we’re excited to be working with Katherine Jakeways and The Forge again on the next adventure for Nan and her friends." If you ask us, it sounds season two of The Buccaneers is off to a great start!

What happened in the season finale of The Buccaneers?

Apple TV+

Viewers watch as Nan St. George took a step back in order for her sister Jinny to have a chance to be happy. This leaves her in the position to move forward with her marriage to Theo, Duke of Tintagel, but it appears she her birth mother may be closer than she realized. Our other characters — like Mabel and Honoria — are left to decide how they want to live their lives as well.

It was a shocking cliffhanger and we can see why fans are thirsty for more.

Where can I watch "The Buccaneers" Season 1?

Apple TV+

All eight episodes of The Buccaneers are available to stream on Apple TV+. Just be sure to bake a few warm dessert recipes and grab a glass of wine to have while you binge watch them.

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This post has been updated.