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Buying Advice that Helps Put You in a House
There are many steps to think about when buying a home for the first time. It is all right to be a little confused. Trust me, everyone feels the same way when they go to buy a new home.
Get Prepped in Home Buying Basics
Take responsibility. Learn what is required when buying a home in the area in which you are interested. Family and friends can give helpful advice, but it's good to investigate on your own.
How Do You Learn the Basics?
It is always a good idea to talk with a professional in the field before buying a home. Find a real estate agent you trust and talk to him/her for advice. (This doesn't automatically mean that he/she has to represent you.)
This will help you in learning about the process in and around your area, giving you an edge when you go to buy a home.
Other sources of advice can be a mortgage broker or even a bank loan officer. They can offer different perspectives.
Home Buying Questions to Ask
If you decide to work with an agent, will the agent help you compose your offer to purchase a home? If not, who will? If the agent uses fill-in-the-blank forms, ask for a blank sample set to take home to study.
What types of disclosures are sellers in your area required to give to buyers? Can the agent give you a sample copy of typical disclosures?
What types of home inspections are standard in your area? Are there other inspections that the agent recommends? How much do inspections usually cost? Are they regarded as a buyer expense? When are inspections done?
Is a survey required for most transactions? If so, who typically pays for it, the buyer or the seller?
Who does the title search to verify that the deed is problem-free, attorneys or a title company? What's the average cost for that service?
Who acts as settlement agent, the person who puts together final paperwork for you to sign? (attorney, title company personnel, real estate broker, other)?
Other than loan costs, what's the average total cost for other closing fees, taxes, settlement, agent fees, etc.?
How long does it usually take to close on a home once an offer is accepted?
You will have a better understanding of the process in and around your area after learning the answers to these questions.
Always Keep a Cool Head
You should always find the people who are willing to take you through the process step-by-step. They will be able to help you with some of the simple problems that pop up that can become a major burden if ignored or misunderstood. It is always a good idea not to overreact, and always keep a cool head because you are not alone.
There is no need to stress out; that is why you have professionals working with you. They know how to fix the problems because it is what they do. You’re always going to hit a few bumps along the way, but be cool and remember, once this is all done you are going to have your new home.
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