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Saving for a Down Payment Buying a home can be a costly adventure, one that you might not have the expenses for yet. If you are planning on getting a home in the near or distant future, setting a budget for yourself will help you save immensely. The first step to start saving is to figure out how much you need to save! Sit down with a mortgage lender. They’ll be able to tell you how much you will be able to qualify for. From there, you can make a timeframe for yourself. If you plan on purchasing a home in the...
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Buying a home takes preparation. Here’s your know-it-all timeline to help you in the buying process. Step One: Understand What You Can Afford Check your credit. A few months before you start looking for a home loan, get a copy of your credit score. Make sure that it is accurate. In addition, getting your credit report early allows you to correct any mistakes you may find. Understand your finances. Understanding your finances is one of the most important parts of the home buying process. Know your income, debts, savings, and monthly expenditures. This helps you to understand what you are...
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What is a first time home buyer loan and who is a first time home buyer? A first time home buyer loan is designed to help people purchase their first home. The programs vary depending on where you are purchasing and what is available to you. A first time home buyer program is mostly targeted towards people who are purchasing a home for the first time, but some programs will give assistance to people who have owned before, as long as they haven’t owned if several years. Some benefits made available to first time home buyers: Down Payments: First time...
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Considering moving to a new neighborhood? Here's a few things to consider. What type of home do you want? Are you interested in a single family home? An apartment? Maybe a townhouse? Knowing what type of home you want can help you immensely in your search for a new neighborhood. Check out our article that discusses the different styles of homes. Do you want to be in a historic neighborhood or a new development? Historic neighborhoods are beautiful and full of character but come with some drawbacks. Historic neighborhoods require a lot of repair work and are governed by community associations...
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Some Tips on How to Choose a Mortgage Lender Finding a mortgage lender can be a difficult process, but one of the things that you need to get right. To start your search, get recommendations from others. An easy way to start your search is by asking trusted who they use. At this phase, collecting as much information as possible will help make finding a mortgage lender a lot easier. Ask questions like, “Are you satisfied with your mortgage lender?” or “Do you know of any mortgage lenders with good reputations?”. You can also call your real estate agent for insight into these questions. Research...
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First Time Homebuyer Mistakes Many first-time homeowners don’t know what to expect. Many people make mistakes that can ultimately prevent them from getting the house that they really want. Here are some mistakes that first-time homebuyers might make, and should try to avoid. Not being prepared for an all-cash market As markets heat up, buyers should be ready to make quick decisions. One of the most important things to do, before even starting your search, is to save as much money as possible for a down payment. Look at your credit report and clean up any blemishes and get a...
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A Few Quick Tips on Avoiding Stress When Buying a Home Buying a home can be a stressful process. Here are some things you can do ahead of time (and during the process) that may help make buying your home a less stressful - or more enjoyable - experience. Start as soon as possible Feeling rushed is a huge cause of stress. To reduce stress, ensure you have enough time to explore all your options. You want to look at a variety of properties to get a full understanding of the market. If need be, you may be able to break the lease...
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What's an open house? Open houses are a way to bring in potential buyers to your home. There can be several open houses on any given day, so you want to make sure your home stands out among the others. Make sure it's clean, and the outside is polished. Here are some of the pros and cons to having an open house. PROS Attract First Time Buyers Open houses tend to attract those who are just starting out in the home buying process. Open houses open your home to more buyers in the market. Additional Exposure The chance of selling a...
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What does a buyer’s agent do? An agent usually works with a buyer for a few weeks to several months, or longer. Agents: Introduce buyers to lenders and obtain pre-approval letters Email listings that fit the buyer's requirements Call listing agents to determine availability Make appointments with seller before they show homes Drive the buyer from one neighborhood to the next Finding a buyer’s agent A common way to find an agent is through referrals by family, friends, or co-workers. However, if you are going somewhere new or no one can offer a referral, you can find agents through: Internet searches:...
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The purchase of a home is always contingent on a home inspection. During a home inspection, a professional comes to the property and thoroughly inspects the house, looking for anything that may seem troubling. A house or home inspection is one of the most common parts of a purchase agreement. Before deciding on a home inspector, be prepared to ask these questions to determine whether or not they are the right person for you. Home inspection questions checklist: How experienced are you? How do you keep your expertise up to date? What types of properties have you inspected in the...
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