The first step in purchasing a home is getting pre-qualified. You get pre-qualified first BEFORE looking at houses to find out how much the bank or financial institution is willing to lend to you. You will know if you qualify to receive grant assistance and how much you will receive. You will also will receive an estimate of how much your monthly payment will be for your mortgage. Including principal, interest, taxes and all insurances. Getting pre-qualified first takes guessing out of the equation.
Make a Moving Checklist
You’ve found your dream house, now it’s time to move in and make it a Dream Home. Make the process as stress-free and organized as possible by starting early and keeping close tabs on the details. A simple search online for “moving checklist” will arm you with all the information you’ll need, and even advice on how to pack efficiently.
It’s Ok to Dream
When you are out there trying to find a house that is perfect for you and your family, it’s a good idea to prepare a list of all your needs, wants, and don’t-wants. Yes, an open mind is helpful when shopping for a house, but you don’t need to compromise on the things you truly care about. Prioritize your top 5 “must-have” qualities in a home, your top 5 “like to have” qualities, and you top 5 “we absolutely don’t want” qualities, and take the list with you when you go house shopping. You will be able to quickly eliminate homes that don’t fit your needs and wants, and also be able to spot the homes that deserve some greater attention.
Finances, Finances, Finances
When you are buying a home, you may be thinking “location, location, location” or “granite countertops", but before you can start having fun shopping around, you have to do a little work to get yourself ready financially. Begin your home-buying process by cleaning up your credit report and credit score and you will be able to start off on a solid financial foundation.
Before you buy a home, you may do a lot of daydreaming about what life there will be like, relaxing by the pool or enjoying s’mores made in the wood-burning fireplace. But to know what it will really be like, you’ll have to picture yourself doing the everyday things. How is the commuting experience? What sounds will you be falling asleep to at night? Can you picture yourself hosting Thanksgiving dinner in that size dining room? These are questions you’ll want to answer before you move in.
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