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6 Things You Should Do Before You Buy a Home
Sep 11, 2018

6 Things You Should Do Before You Buy a Home

 

Choosing your real estate professional is one of the most important decisions you will make when buying property. It takes balancing credentials and chemistry. You want to choose someone you like—after all, you might spend the next six months working together. But your agent also needs to be able to safeguard your financial interests. Our mission at Horizon Real Estate is to help people achieve the “American Dream”.  

To assist you in the journey of achieving your dream home we have provided a few tips to consider before you begin shopping for a home.



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Before you shop:

1. Be a smart consumer. Review your financial wellness. What’s your credit score? Are you able to cover the down payment and closing costs? Learn the financing basics. Know how to shop for a home loan that's right for you.

2. Keep your debt load to a minimum. Don't make major purchases or incur any additional debt until after your purchase. Pay down credit cards and don't apply for new ones. Remember, financial institutions evaluate your financial situation on your gross monthly income. Your total monthly house costs should not exceed 28 percent of your gross monthly income.

3. Get pre-approved. This takes very little time and lets you know the price range that fits your lifestyle.

4. Know what you want. The last thing you need is to close a deal and realize you bought a house you don't want. Ask yourself what you're looking for in a home, before you shop. Think about size, commute time and necessary repairs. Make sure you are realistic in that your wants match your budget.

5. Be prepared to view new properties quickly. Sometimes homes sell quickly, so be ready to make fast decisions. Be accessible to change the terms.

6. Have instant access to your agent. Instant communication can mean the difference between purchasing the property of your choice. It is important to be in constant communication with your agent.

 

Still, have questions? Feel free to reach out to us! We would love to assist you in purchasing your dream home.

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