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The best way to make sure you choose the right home is to properly prepare yourself. The purchase of a home is a tremendous investment, both monetarily and emotionally. The purpose of this page is to provide you with some tips to help your transaction progress smoothly and result in you being a happy homeowner.
Your home is likely to represent one of the largest investments in your life. In order to make sure the transaction goes smoothly it is of vital importance that you choose the right agent to represent your interests. The right agent will be someone whose experience and personality makes you comfortable. I strive to do just that.
Do you already know how much home you can afford? There is nothing more frustrating than looking for a home, finding the perfect home, then discovering it is out of your price range. If you haven't been pre-approved, I can assist in finding a lender for you who can guide you through the process and proivde the documentation you will need when presenting your offer for that perfect home.
In order to determine the amount of home you can afford, a lender will use your debt-to-income ratio to determine the percentage of your pre-tax income you spend on debt. Your debt ratio will include: monthly housing costs, car payments, credit cards, student loans, and any other installment debt. If you take on more debt before buying a home it will have an impact on the amount of the loan the lender will finance. I cn not stress this enough. Do not purchase anything new after being pre-approved! It can cost you the deal.
In order to make an educated decision you need to know what is available and how much it is going for. You can browse all the active listings from my website. And I can set up a search for you that will come directly to your email as often as you would like. Once you find homes you like, save those searches and sign up for property watch through this website. The best homes move fast! If you like it, let's go see it!
The last thing you want to discover after you have bought a home is that you have not purchased a "money pit". By "money pit" I am referring to a home full of defects which will end up costing you a lot of money. Save yourself from future litigation by bringing in a licensed home inspector before you buy. You can then ask for the Seller to make the repairs prior to closing, or, if there are too many problems, you can back out of the deal without losing your earnest money deposit.