We Make
Buying a Home SIMPLE For YOU
Buying a home should be fun, not stressful. As you look for your
dream home, keep in mind these tips for making the process as
E-Z as possible.
Before you start looking for that perfect home. Talk to a Lender
and get pre-qualified. What does this do for you? If you find
the right house you can put in your offer in right away along
with your pre-qualification letter and this will let the seller
know you are ready willing and able to buy their home.
For
more information on getting qualified contact your bank, lender
or check out this website,
Indigo Financial Group Inc. Dave is
always willing to help you.
1. Find a real estate agent who you connect with.
Home buying is not only a big
financial commitment, but also an emotional one. It’s critical
that the REALTOR® you chose is both highly skilled and a good
fit with your personality.
2. Remember, there’s no “right” time to buy, just as there’s
no perfect time to sell. If you find a home now, don’t try
to second-guess interest rates or the housing market by waiting
longer — you risk losing out on the home of your dreams. The
housing market usually doesn’t change fast enough to make that
much difference in price, and a good home won’t stay on the
market long.
3. Don’t ask for too many opinions. It’s natural to want
reassurance for such a big decision, but too many ideas from too
many people will make it much harder to make a decision. Focus
on the wants and needs of your immediate family — the people who
will be living in the home.
4. Accept that no house is ever perfect. If it’s in the
right location, the yard may be a bit smaller than you had
hoped. The kitchen may be perfect, but the roof needs repair.
Make a list of your top priorities and focus in on things that
are most important to you. Let the minor ones go.
5. Don’t try to be a killer negotiator. Negotiation is
definitely a part of the real estate process, but trying to
“win” by getting an extra-low price or by refusing to budge on
your offer may cost you the home you love. Negotiation is give
and take.
6. Remember your home doesn’t exist in a vacuum. Don’t
get so caught up in the physical aspects of the house itself —
room size, kitchen, etc. — that you forget about important
issues as noise level, location to amenities, and other aspects
that also have a big impact on your quality of life.
7. Plan ahead. Don’t wait until you’ve found a home and
made an offer to get approved for a mortgage, investigate home
insurance, and consider a schedule for moving. Presenting an
offer contingent on a lot of unresolved issues will make your
bid much less attractive to sellers.
8. Factor in maintenance and repair costs in your post-home
buying budget. Even if you buy a new home, there will be
costs. Don’t leave yourself short and let your home deteriorate.
9. Accept that a little buyer’s remorse is inevitable and
will probably pass. Buying a home, especially for the first
time, is a big financial commitment. But it also yields big
benefits. Don’t lose sight of why you wanted to buy a home and
what made you fall in love with the property you purchased.
10. Choose a home first because you love it; then think about
appreciation. While U.S. homes have appreciated an average
of 5.4 percent annually over from 1998 to 2002, a home’s most
important role is to serve as a comfortable, safe place to live.
