These simple but smart steps will help you be prepared for the buying process and make it an enjoyable experience for you and your family.
Get A COPY OF YOUR CREDIT REPORT
IMPROVE YOUR CREDIT SCORE
GET PRE-APPROVED BEFORE HOUSE HUNTING: Make an appointment with an experienced loan officer to get qualified and see how much you can afford. When making an offer on a home that has multiple offers your pre-approval letter will give you an advantage. If you need to talk to "our preferred lenders" to get started email me and I will be happy to help set you up with an appointment.
SEE IF YOU QUALIFY FOR AN FHA LOAN
KNOW YOUR DOWN PAYMENT OPTIONS
SEARCH FOR YOUR DREAM HOME: You can do hours of searching on you own or use a realtor for free to do all the work for you. As a realtor we draft all legal documents and offers and use our negotiation skills to get you the best price for your new home.
BUDGET FOR ALL YOUR HOME OWNER COST
KNOW YOU DEBT TO INCOME RATIO
CHECK FIRST TIME HOME BUYERS PROGRAMS AND GRANTS
KNOW THE TYPE OF LOANS ARE AVAILABLE
EXTRA TO KNOW:
DON'T APPLY FOR CREDIT CARD or BUY ANY LARGE TICKET ITEMS: You do not want to make any purchases or apply for any credit cards before the closing on your home.
CHOOSE YOUR INSPECTORS: Select a processional licensed home inspector to do your home inspection. I always suggest you get an inspection to protect yourself from anything unseen that could arise after closing. The benefit is that at your final walk through you will be able to all repairs requested have been made.
BUDGET EXTRA: Always leave a little extra for unexpected expenses while you may need to have a few homes inspected and that will add up while finding your perfect home for you.
Lastly ENJOY YOUR NEW HOME! Rest assured that I will continue to provide support for all of your needs when moving in such as setting up electric, address change and so much more. I will continue to be there for you for any of your future real estate needs!