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Resources for Buyers
Things to Consider Before Buying a Home
DON’T make any large purchases or open any new accounts before talking with your lender. You will want to verify with them before making any changes to your credit, employment, etc.
Your credit is crucial when applying for a mortgage; the better your score, the lower your interest rates may be.
Be sure to check all three major credit reporting companies: Experian, Equifax, and TransUnion as the information in each report may vary slightly. Make sure you make copies of your credit report as well and check your score well in advance of applying for loans.
Most Buyers will need to take out a loan when purchasing a home, and you’ll want to be prepared (especially in this market) to make an offer when you find that perfect one.
It’s important to be approved for a mortgage before you start looking at homes, so you don’t miss out on any opportunities.
Not all homes qualify for all types of mortgages and we will need to know your guidelines so we can match up the correct houses. If you need help finding a lender, we can recommend trusted ones who have gotten other Buyers to the Closing table.
Price Range – After talking with the lender calculate what is realistic for you currently. Once you know your range, guidelines, and timeframe we can help you make the most out of your money.
Maybe knowing what the commute is like to work or other important areas is need? Looking to be in a certain school zone? How many bedrooms and bathrooms will you need? Do you prefer a newer or older styled home? Maybe you just want land and not to see your neighbors.
All are important factors to consider during our home searching process.
We are dedicated to helping you throughout the entire process and we understand that finding the right one is important. Once we find that perfect home, it’s time to work on preparing the best offer we can, to see if this is supposed to be “the one”.
After your offer is accepted, you’ll have a grace period “due diligence” to have the house professionally inspected and request repairs if needed. After this time you will work closely with the lender to make sure all paperwork is completed in a timely manner and approved for Closing. (CTC – Clear to Close)
We are here to assist you with any questions you may have during the process so don’t worry about feeling alone!
Now that you have found your perfect home and mortgage is clear to close… it’s time to make moving arrangements. Make sure your help is lined up or the moving company is ready to go after the Closing. You will also want to make sure that utilities are set up for your new home so they can transfer easily.
Don’t forget to fill out your change of address forms and inform past utility companies of your move so cutoff can be scheduled for old residence!