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What to Do Before House Hunting 📣
Once you decide to buy a home, the first thing you might want to do is to begin looking at houses online and setting up viewings. While looking at potential houses on the market is a crucial part of the process, jumping straight in could land you into trouble. Here are four things you need to check off your to-do list before you ever set foot in a home.

1️⃣ Ensure Your Credit is in Order 📊

  • Obtain a detailed credit report to assess your financial standing.
  • Scrutinize the report for any inaccuracies or discrepancies.
  • Address any outstanding issues and improve your credit score if needed.
  • A solid credit foundation enhances your chances of securing a favorable mortgage.

2️⃣ Get Pre-Approved for a Mortgage 💳

  • Consult with a mortgage lender to determine the loan amount you qualify for.
  • Gather necessary financial documents, such as income statements and tax returns.
  • Secure a pre-approval letter, showcasing your seriousness to potential sellers.
  • Pre-approval streamlines the buying process and strengthens your bargaining position.

3️⃣ Determine Your House Requirements 📝

  • Create a comprehensive list of your must-haves and deal-breakers for a home.
  • Consider factors like location, size, number of bedrooms, and specific amenities.
  • Prioritize features based on your lifestyle and future needs.
  • This clarity guides your search, ensuring you focus on properties that align with your preferences.

4️⃣ Be Mindful of Your Budget 💰

  • Establish a realistic budget, factoring in potential additional costs like property taxes and maintenance.
  • Avoid depleting your savings entirely; leave room for unexpected expenses.
  • Consider the long-term financial impact of homeownership.
  • Striking a balance between your dream home and financial stability is crucial for a successful and stress-free homebuying experience.

By meticulously addressing these four pre-house hunting tasks, you lay a solid foundation for a smooth and informed homebuying journey. Taking the time to prepare ensures that when you do step into a potential home, you can confidently pursue a purchase that aligns with both your aspirations and financial well-being. 🏡🔍

What’s a deal breaker for you when it comes to buying a new house?

It’s exciting, and a little scary, to think about buying your first home. These tips for first-time home buyers will help you navigate the process from start to finish.

Check and polish your credit.

Your credit score will determine whether you qualify for a mortgage and affect the interest rate lenders will offer.

Narrow down your ideal type of house and neighborhood.

Weigh the pros and cons of different types of homes, given your lifestyle and budget.

Don’t skip the home inspections.

A home inspection is a thorough assessment of the structure and mechanical systems.

Selling your home is a big deal and can feel like an overwhelming process, but as long as you’re informed it can be seamless. Here are 2 major mistakes home sellers need to avoid:


Using bad listing photos.

These days, buyers check out homes from the couch. In fact, 95% of all buyers use the internet to search for homes and first impressions are a huge thing.

 

❌ Working alone.

Selling a house yourself you may seem like an easy way to avoid paying commission, but you’ll miss out on a real estate agent’s market knowledge, contacts and help with the process.

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

Contact me to get started!

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.

📲 Your number
📧 Your email

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

[share your current listing here]

Launch your buyer guide

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Start generating buyer leads with your new home buyer guide

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]

Send me a message!

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.

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Real estate term of the day: The deposit given by a buyer to a seller to show that the buyer is serious about purchasing the home. Earnest money usually is refundable to homebuyers in the event a contingency of the sales contract cannot be met.