Buyer
Info
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| Buying
a home is beginning of an exciting adventure and for most of us is the
biggest financial investment of our lives. My goal is to assist you in
finding the home you want in the community best suited to you and your
family's lifestyle. I want to help you fall in love with your new home
for all the right reasons.
Since
choosing a right home to buy starts with needs and desires and a
sizable
portion of your earnings will eventually go into paying for it, it's
important
to ensure that the home you choose both meets your needs and is a good
"fit" with your financial situation.
This
page will help bring into balance some of the many factors to consider
when deciding how best to meet your needs through home ownership.
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| There
are some important factors to consider before setting off to find your
new home:
Step
1: Location, Location, Location
Step
2: Style You Want
Step
3: Determine What You Can Afford
Step
4: Get Pre_Approved For Morgage
Step
5: Don't Forget Closing Costs When Buying A Home
Step
6: Closing The Deal
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Step
1: Location, Location, Location
Talk
to your real estate professional about where you want to live. Location
is a huge part of any move and depends primarily on where you work and
whether you want to commute and also your family lifestyle. If
you
have children, it is important to consider how close are your
children's
schools, whether there are school buses or public transportation
available
and how close to your prospective home are the services you may need.
Location
is an investment too and can also affect property values and property
taxes.
Real estate professionals are trained
to help their clients narrow down their
choices
by sharing market trends and local information like neighborhood
statistics
and community links.
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Step
2: Style You Want
When
looking at a home, it is important to consider the number of people it
must accommodate and the things they like to do. Start by creating a
prioritized
list of features you want in your next home and the reasons why. Make
sure
that you know which features are essential and which are negotiable. It
is a good idea to sit down with your family members in order to make a
complete list of all the things each of you would like in your new
property.
Use list of features as your search guide, but remember that your home
should be the one that you and your family can afford now and that will
meet your needs for the next few years.
Try
to be realistic and honest about what you're looking for and make sure
your real estate representative keeps a copy of your list to help
prescreen
the houses you'll look at. Your list of features should be revised as
you
look at houses and see what is available in your price range and
preferred
location.
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Step
3: Determine What You Can Afford
Now
that you know what you want, it's time to see what you can or are
willing
to afford. It is important that you know the absolute limit that you
are
able to comfortably live with, calculating the impact of your monthly
expenses
on the maximum price you are willing to consider. Knowing up-front what
you can afford will help you save time and quite possibly
disappointment
later on.
One
basic method of determining your general financial state is to use the
following Worksheet Forms.
|
 Working
With A REALTOR - The Agency Relationship |
| Describe
Home You Want To Buy |
| Use
Calculators |
| Net
Worth Calculations |
| Home
Purchase Cost Estimate |
| Other
Worksheet Forms |
| Your
Privacy And The Real Estate Transaction |
| Other
Real Estate Tips |
| FREE
Reports |
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Step
4: Get Pre-Approved For Mortgage
When
you're ready to move to the next step, you can get pre-approved for a
mortgage.
This process can often be performed in less than an hour and it
accomplishes
two important goals. First, it will tell you how much house you can
afford
and what your monthly payments would be. Second, it tells the seller
that
you can afford to buy their home.
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Commercial
Listings
