BUYING A HOME
The process of buying a home can be complex and even surprising. More than anything you will need a teammate to work through the significant details involved in preparing to make an offer, inspect your new property and negotiate on your behalf. Below you can get an introduction to the steps you will need to take to begin your home search.
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BUYING IN TODAY'S MARKET
PRE-QUALIFICATION
This is often the first step you will take to determine the amount you can afford, or would like to pay for your home. To find this number you can use an online mortgage calculator and input the financial parameters. Pre-qualification is a good way to get your feet wet if you are a first-time homebuyer. When you are ready to get serious, you will move on to the next step, pre-approval.
PRE-APPROVAL
The first step to take when you are prepared to search for a new home is to meet with a trusted mortgage lender to get pre-approved. This step is different from a pre-qualification because you will apply for a mortgage and receive a written commitment letter. This letter will show your agent and sellers that you have the ability to buy the home you are interested in. When you find a home you want to make an offer on your pre-approval letter is sent along with that offer and completes the offer package.
LIST OF NEEDS AND WANTS
Before you begin your home search you should start two lists: a needs list and a separate wants list. The needs list should include things that you are committed to finding in your new home; i.e. a single story style home, number of bedrooms needed, locations within driving distance to work. Your wants list should include things you'd like to find but are not absolutely necessary; i.e. a pool, den. These lists might change throughout your search, especially depending on the local housing market. More homes can mean more options to choose from and the opportunity to seek more of your 'wants'.
CONSULTATION
The process of buying a home is no small feat so, the relationship with your real estate agent will feel necessary from step one. If you aren't sure to reach out to for pre-approval, your agent can be a good resource in this instance. You will want a seasoned professional on your side to assist with every step of your experience from; home search, calculating an offer, deciding if a home is a good value, finding contractors in your new area, and so much more. It is important to have a representative on your side of the deal that has your best interest in mind, not the sellers.
START YOUR HOME JOURNEY
Our Buyers agents are your best resource to answer all of your buying questions. Contact us today and we can help you find the perfect place to call home.