But owning a home is a big commitment. But before you can do that, you have to have an idea of how much you can afford. Your credit will also be a major factor in the loan process. Credit A good credit score makes you less of a risk to creditors, so you should always check your credit before applying for a mortgage of any kind.
Knowing how you will look to a lender is key. If you have negative marks on your credit, do the work to repair them before you apply. You can do this by visiting any one of the credit reporting agencies or a service like annualcreditreport. Getting Pre-Approved A pre-approval means a lender has approved you for a loan at a specified amount based on your income, assets, debt, and credit. Most sellers will require pre-approval to validate the sales contract on a home.
Pre-approvals can usually be completed within one to two business days of receiving all requested documentation.
A home is more than just a collection of rooms. Several similar properties may represent totally different designs, commuting distances, lot sizes, tax costs and dimensions—inside and out. Consider price, location, size, amenities, and type.
Also think several years down the road. Where to look Once you know what you want, start looking. Once you have an idea of what you want, contact a local Realtor who can suggest properties. Be sure to do the research and obtain the services of an experienced Realtor who knows the area well. They may also have developed solid relationships with lenders that may prove useful. You can also check area real estate listings online and select several houses to visit.
The seller can make a counter offer and you can counter again. Inspection and Appraisal A home inspection safeguards you against unforeseen problems that could pop up down the road. A similar but separate process is the appraisal.
An appraiser will determine how much the house is really worth by comparing it to other similar homes on a number of features like lot size, square footage, etc. Your lender will order an appraisal of the home you intend to buy.
Your Realtor or the seller can let the appraiser into the home. The lender normally sends a copy of the appraisal to the buyer. Closing on a home means that the sale is complete, and all the terms and conditions of the purchase agreement have been met.
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