Things To Remember When Buying A Home
The purchasing of a home is one of the most exhilarating purchases that anyone can make. It is usually the culmination of many years of hard work and has a sense of accomplishment like no other. So it stands to reason that it is also the purchase that should be the most planned and carefully made. This is likely going to be your base of operations for many years to come so spend a while getting comfortable will all aspects of the sales process before you jump into the market.
Now, before you buy you must have your financial life well in hand. More specifically, you must have a good hold on your credit. This may involve some leg work so be ready for it. Get your credit report from your bureau and review it in depth. Go as far back as necessary. Make sure that there are no outstanding items that have not been taken care of. If anything is there then see to it as quickly as possible and retain documentation from the bureau that it is dealt with. This is not only for your records but it might be helpful when applying for your mortgage. Next, spend some time researching your mortgage options. Try to find one that suits you and your needs. Make sure that you can afford the payments each month and try to get the best interest rate possible. Remember it is not enough to have a pre-qualification, if you really want to make your home shopping and buying easier then get a full pre-approval. This pre-approval will ensure home sellers that your financing is already in place and that they need not worry about your offer being conditional on your approval for a mortgage.
When you actually start shopping for a home, make a few lists. The most important one should be the aspects of the home that you simply cannot do without. This usually includes things like number of bedrooms, location & proximity to work, fenced yard etc. The secondary list should be those things that you would really like but are not essential. Usually if you give these lists to your realtor they will be able to refine your home options quiet a bit. This will help them to eliminate homes that do not fit your criteria so that you don't have to waste valuable time looking at homes that do not suit you.
Bill Ucci is a certified RealtorÂ(r) specializing in the sale & purchase of Orlando real estate. Put Bill's expertise and knowledge to work for you. Contact Bill anytime or visit his site on the web at www.freehousefind.com
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