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BUYERS: How to Have a Smooth
new home can be an exciting time, whether it’s your first home or
your fifth. However, your savings, your
credit rating, and your financial freedom are all on the line when purchasing a
new home. You want to feel comfortable
when it is time to sign on the dotted line and feel good about the home you are
about to purchase. It’s important not to
let your emotions cloud your judgment when you set out to buy what is most
likely the largest single item of your life - your new home.
Before you get
to actually looking at homes, take the time to establish your
needs and wants. Make a careful
assessment of what you absolutely must have in your new home compared to what
would just be nice. Be as specific as
possible when determining your needs prior to purchase. It will save you much time and concern to do
this before looking rather than getting into a new home only to discover that
it doesn’t meet your needs.
how much you can afford in a home loan and get pre-approved. Set up a budget for monthly payments and be
realistic. By assessing your financial
situation and getting pre-approved, you can be certain that when you select a
new home, you will have the financial backing to get you in as quickly as
possible. When considering the purchase
of a home, don’t just look at your current financial status. You will probably be in this home for years,
and many things can change. Take your
future into account as well, looking at such things as job changes and a
begin the process of searching for a home, don’t let emotions cloud
your judgment. Just because a house has
a nice lawn or some interesting architectural features doesn’t mean it is the
perfect one for you. While it is
important to consider the aesthetics of a property, consider that much of what
you see can be changed. Never judge a
house by how the current owner has decorated.
Most likely, whatever is inside the house will be gone when the seller
leaves, and it will be up to you to paint and decorate.
time to view several homes. This doesn’t
mean look at every house available on the market, but look at enough properties
to get a good feeling that you aren’t just making an impulse buy. When you find the right home, all the work
you do in this process will pay off.
have selected a home that you feel is right, inspect it
thoroughly. Be sure the home is
inspected by a professional home inspection company, and go over that report
with a fine-toothed comb. By taking the
time to do this before making the purchase, you can save yourself an endless
amount of stress after the fact. Don’t
take anything for granted. There are
many pitfalls that can surface during the process, and it’s vital that you take
care of these problems before you move in.
When inspecting your home, check for working utilities so there are no
surprises later on. Check out all costs
and expenses before you sign anything.
Taxes, insurance and homeowner dues may appear, and you need to know all
of them. Ask as many questions as
possible and be very conscious of details.
home-buying team as much as possible.
Align yourself with the right real estate professional and you will have
an entire team of reliable lenders, title representatives and home inspection
companies available to you. Each of
these people should work hand in hand with you and each other for your benefit.
Be sure to
do a final walk through once all the previous owner’s furnishings have been
moved to be sure of no surprises. Be
absolutely positive the property is in exactly the same condition that you
agreed upon in the contract. Things that
could not have been spotted before are often unintentionally overlooked.
Plan for flexibility. Closing dates are not carved in stone. Allow for certain contingencies and always
have a back-up plan in the event that delays occur. These types of circumstances are not at all
uncommon in real estate transactions, so it is important that you are prepared
Any and all
promises and agreements must be written.
If it is not in writing, then assume that it doesn’t exist. Even the best of intentions can be
unintentionally misinterpreted, so take the time with your REALTOR to be
certain that all agreements have been signed on paper.
your team will work best for you if you are honest and up front
with them. Take the time to select the
right team of professionals to get you into your new home and do everything
possible to make this an enjoyable experience.
They will return the favor by getting you into your new home as smoothly
agent wisely. Working with a full-time professional real estate agent is a
must. Ask questions of your agent. Find
out how knowledgeable he or she is about houses currently for sale in your
price range and also of houses that have recently sold. Can your agent recommend a good lender that
has the reputation of excellent customer service and low rates? Does your agent ask questions of you to have
a full understanding of what you are looking for to help you get the most home
for the money?
for requesting a copy of this “FREE REPORT” For prompt,
courteous, professional service, call Jan Wilson:Office: 1-714-903-7750Direct: 1-714-719-0048 Visit my
web site at: www.gardenparkrealty.com Have
questions, need advice you can count on or just want to discuss this further? Don’t waste
any more time; pick up the phone and call me now! I’m here to help! P.S. I appreciate your
business, your loyalty, trust and your referrals. It is my goal to provide the
very best counsel, advice and service possible for your real estate needs. If I
may ever be of assistance to you, a relative, friend or co-worker please don’t
hesitate to call me. I look forward to the opportunity to serve you.™