What First Time Home Buyers Need to Know

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Get Your Finances in Order

While this may seem like an obvious first step, it is the most important one. If you don’t know your credit score, find out. If you have any consumer debts or student loans, clean up as much of it as possible and pay on time. Any money that you have left over after you have covered your monthly expenses needs to be put into savings for your down payment and closing costs.

Determine What You Can Afford

While you might have your eye on that perfectly renovated beach home with 6 huge bedrooms and a beautifully landscaped yard, it is vital for you to understand what you can actually afford. This will prevent you from going in search of things that are currently out of your reach. So, contact your bank or broker or go online and get a prequalification letter. This is a great jumping off point for your search and will allow you to understand how much you will need for downpayment and closing costs.

Visit Bankrate to determine how much home you can afford.

Save. Save. Save.

While scrolling through photos of your dream home online can be a lot of fun, it can be heartbreaking to find something that you really want before you have the money to afford it. So, start saving. If you put in the effort to make sure that you have the cash you need for downpayment and closing cost on your new home then you will be ready when you find that home you cannot live without.

Find a Realtor

With access to so many online real estate websites you might wonder why you need to work with a Realtor. The simple answer is Realtors are trained to help you in the buying or selling process. They know the market and the ins and outs of what is involved with this large and important purchase. Realtors can walk you through the home buying process to a successful closing.

Do Nothing!

Yes, do nothing. Once you have found your home and have made an offer it is important to remember that until your home is closed, any change you make in your life (quitting a job or making another major purchase) can jeopardize your loan. So, keep your job and don’t buy that new car or boat or motorcycle that you have your eye on. It is very important to make sure that you don’t take on any additional debts during this process.

Contact Me.

If you are ready to purchase a home (in south Alabama),
contact me at Sun and Sandal Properties or 404-348-3659.

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