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Buy a Home

Are you ready to buy a homes?

  • Have you had a steady source of income for 2-3 years and is it a reliable source?
  • Do you have any outstanding debts such as credit card or car payments?
  • Do you have money for a down payment?
  • A good record of paying your bills?
  • The means to pay a monthly mortgage?

Determine your needs

Make a note of why you are looking for a new home. Is your family growing, would you like to build equity, are you moving to a new town? Create a mental picture of what you would like your future house to look like. Make a list of must have items and another list of items you would like to have. It’s extremely important to know exactly what you need in your new home. Give yourself a time frame for buying a home. This will keep you on track and give you a guideline to follow. Your agent will be able to assist you once they know exactly what you want and will help to fulfill you needs.

Know your rights:

Shop for a Loan and Become pre-approved

Save money by doing your homework. Talk to several lenders, compare costs and interest rates, negotiate to get a better deal. Consider getting pre-approved for a loan.

Once you choose a lender, they will perform an extensive check on your current financial status. They will determine the loan amount you will be eligible for. Doing this will help the seller know you are capable of buying a home and that no problems will arise.

Make an Offer

Discuss the process with your real estate agent. If the seller counters your offer, you may need to negotiate until you both agree to the terms of the sale.

Get a Home Inspection

Make your offer contingent on a home inspection. An inspection will tell you about the condition of the home, and can help you avoid buying a home that needs major repairs.

Work With a Real Estate Professional if You Want the Best Advice

Because buying or selling a home is such a big decision in our lives, the need for clear, trustworthy information and guidance is crucial. And while no one can give you perfect advice, when you align yourself with an expert, you’ll get the best advice for your situation. An Expert Will Give You the Best Advice Possible Let’s say you need an attorney, so …

Don’t Let Rising Inflation Delay Your Homeownership Plans [INFOGRAPHIC]

Some Highlights If recent headlines about rising inflation are making you wonder if it’s still a good time to buy, here’s what experts have to say. Housing is an asset that typically grows in value . Plus, your mortgage helps stabilize your monthly housing costs , and buying protects you from rising rents. Experts say owning a home is historically a good hedge against …

The One Thing Every Homeowner Needs To Know About a Recession

A recession does not equal a housing crisis. That’s the one thing that every homeowner today needs to know. Everywhere you look, experts are warning we could be heading toward a recession, and if true, an economic slowdown doesn’t mean homes will lose value. The National Bureau of Economic Research (NBER) defines a recession this way: “A recession is a significant decline in economic activity …

How Homeownership Can Bring You Joy

If you’re trying to decide whether to rent or buy a home, you’re probably weighing a few different factors. The financial benefits of homeownership might be one of the reasons you want to make a purchase if you’re a renter, but the decision can also be motivated by having a place that’s uniquely your own. If you want to express yourself by upgrading and …

Why Rising Mortgage Rates Push Buyers off the Fence

If you’re thinking about buying a home , you’ve probably heard mortgage rates are rising and have wondered what that means for you. Since mortgage rates have increased over two percentage points this year, it’s natural to think about how this will impact your homeownership plans. Today, buyers are reacting in one of two ways: they’re either making the decision to buy now before …

Are There More Homes Coming to the Market?

According to a recent survey from the National Association of Realtors (NAR), one of the top challenges buyers face in today’s housing market is finding a home that meets their needs. That’s largely because the inventory of homes for sale is so low today. If you’re looking to buy a home , you may have noticed this yourself. But there is good news. Recent …

Will Home Prices Fall This Year? Here’s What Experts Say.

Many people are wondering: will home prices fall this year? Whether you’re a potential homebuyer , seller , or both, the answer to this question matters for you. Let’s break down what’s happening with home prices, where experts say they’re headed, and how this impacts your homeownership goals. What’s Happening with Home Prices?  Home prices have seen 121 consecutive months of year-over-year increases. CoreLogic says …

How Today’s Mortgage Rates Impact Your Home Purchase

If you’re planning to buy a home, it’s critical to understand the relationship between mortgage rates and your purchasing power. Purchasing power is the amount of home you can afford to buy that’s within your financial reach. Mortgage rates directly impact the monthly payment you’ll have on the home you purchase. So, when rates rise, so does the monthly payment you’re able to lock …

2022 Housing Market Forecast [INFOGRAPHIC]

Some Highlights What does the rest of the year hold for the housing market ? Here’s what experts have to say about what lies ahead . Home prices are projected to rise and so are mortgage rates . Experts are also forecasting another strong year for home sales as people move to meet their changing needs . Let’s connect so you can make your …

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