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Buying your first home:
1. Get preapproved for a mortgage
Working with a lender to get preapproved for a mortgage is an important step in accurately determining your budget.
2. Find a real estate agent
The right real estate agent can make a huge difference throughout the process of buying a house.
3. Make an offer
Found a home that’s right for you? Now’s the time to make an offer. Your real estate agent can be a tremendous resource here, providing you with comparable sales information
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The first sign is also one of the most straightforward. If you are feeling cramped in your starter home or have noticed that you don’t have enough storage for your belongings you might be outgrowing your home.
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You don’t have to spend a fortune on a major kitchen remodel. Whether you want to maximize a small kitchen or modernize a dated one, these budget kitchen remodel ideas will help you create a space you love spending time in.
1. Install A Backsplash
2. Paint Cabinets
3. Pick a Piece of Art
Saving for a down payment can be the biggest obstacle that first-time home buyers have to overcome. But breaking the process down into smaller, actionable money moves might make it less daunting. Here are a few ways to save for a house:
1. Plan Your Savings Budget
2. Cut Unnecessary Spending
3. Pay Off Your Debt
4. Consider Downsizing
5. Skip A Vacation
When you apply for a mortgage, a lender considers your debt-to-income ratio, or DTI, as a critical evaluation point.
Your DTI lets lenders know how much debt you have compared to your income, which helps them determine whether you’re financially secure enough to add a mortgage to your monthly debt payments. You could have a good credit score, stable earnings and pay your bills on time, but if monthly debt payments eat up too much of your income, a lender might consider you too much of a risk to take on a mortgage.
Have mortgage questions? I’m happy to refer you to a reputable lender in [your city]
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You need to hire a professional inspector before getting a home. An inspection is different from the appraisal required by your lender. Here’s how:
The appraisal: During an appraisal, your appraiser only gives you and your lender a rough idea of how much your home is worth based on comparable properties (comps).
The inspection: During a home inspection, the inspector tells you about specific problems with the property.
You can use the results of your inspection to learn more about your home and request concessions from your seller.