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The road to your new front door may be short and smooth or very long and rough. In a buying a home, preparation is everything. Make sure you are physically, mentally and financially prepared. With this you need to have the time, energy and patience that's required to look at different homes. Review you credit history and financial status and be sure those things are in good status. Before making any other decisions, you would need to start thinking about the neighborhood or subdivision you would like to live in. Some of the things you would need to consider would be the school system you would like for your child or children.What type of home design you are interested in and what price range you can afford. In the book " The unofficial guide to buying a home" there is a form on page 56 that should be filled out when making a neighborhood or subdivision a choice. Some of the questions that are listed on the form are-what is the mileage and the amount of minutes it takes to get from your future home to the particular location. For example, how far are you away from you and your spouse job, your church, the children's school, the supermarket, and the closest hospital. All of these things are important when making a house your home.
In the first steps, you would need to decide if you want to search and close on a home on your own, or if you would like to go through a real estate agent. When making this decision, here are some questions you need to consider-are you prepared to deal all by yourself with mortgage loan officers, home inspectors, appraisers, surveyors, closing attorneys and others? Are you familiar with the conditions of a contract negotiation in the community where you intend to live? If you are aware the best loan offers? If you are familiar with the closing process in the state where you'll be buying your home? If you are not sure of the above questions, you will need to find a real estate agent to help you. When you are deciding on a real estate agent be sure to ask them for whom they work for, for how long and who is paying the commission (buyer, seller or both)? Once you have found a real estate agent, it is highly recommended and in some state mandatory that you sign a "Buyer Exclusive Agency Agreement". This contract establishes a relationship between you and your agent for a specific period of time. Once all of this is accomplished, you and your agent are ready to go looking at homes. To build a close relationship with your agent, always try to be on time for your appointments. Let your agent know when you are not interested in a certain home and when you are tired and ready to call it a day.When you have chosen a house, make sure you find out how many other people have looked at the home and for what reasons did they decide not to buy.Why are the sellers selling? Make sure you have a fact sheet that tells you the age of the home, the roof and other type of appliances and basic systems. What have they recently improved? How much are the utility bills? Which appliances stay?These are some of the basic questions that you need to ask.Once your mind I made up about the home don't overdo your visits. Wait until you move in to show family and friends, otherwise, you are inviting opinions that may be better left unexpressed.
Now it is time to negotiate your contract.Your real estate agent will help you negotiate a price with the seller. But before all that is done you will need to hire a home inspector. A home inspector is someone you hire to make sure that the home you plan to buy is sound and to advise you not to buy if your future safety and well being could be compromise. If you are satisfied with the inspection, you can proceed towards the closing, if not, you and the seller can agree to repairs the seller will make or either pay for. Once you have a contract on a home and make your application for a mortgage loan, your loan officer will ask you to pay for a credit report and an appraisal. The appraisal usually costs around $50.00, and it is to determine fair market value of the home you have under contract. You will also need a survey done, to show boundary lines and set back lines of the lot. Next, you will need title insurance, which is mandatory. This protects you against any liens or encumbrances that may have been placed on the property you are buying due to actions of any previous owners. It also recites the legal description of the property you're buying. Bit, most importantly it insures you against any legal action taken by a neighbor because of such easements or encroachments. Your title insurance policy generates your deed, which specifies the type of ownership you have chosen. Now that everything is getting settled, you should be ready to write an "offer". The form you'll use to write an offer is called a "contract". An "offer" is a formal, written proposal from you to the seller expressing what you're willing to pay for the home and the terms under which you'll buy it. Getting financed on a home is the first contingency in your contract.Sit down with your lender and discuss the type of financing that best suits your needs. When you visit your loan officer to purchase your contract he or she will customize a loan that matches you financial profile and the length of time you plan to live in your prospective home.
Once you have accomplished the negotiation, inspection, appraisal, and the tile insurance, you are now ready to begin the "closing".Make sure the settlement you will sign at closing accords with the terms of your contract. For example, make sure the purchase price is correct, that your earnest money has been added to your down payment, your closing cost line up with what your loan officer told you, the fees split between you and the seller have been divided correctly, and that the property taxes have been prorated accurately. Review your loan package at least two days before closing.
Cheap Custom Essays on The Steps in Purcahsing A Home
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The road to your new front door may be short and smooth or very long and rough. In a buying a home, preparation is everything. Make sure you are physically, mentally and financially prepared. With this you need to have the time, energy and patience that's required to look at different homes. Review you credit history and financial status and be sure those things are in good status. Before making any other decisions, you would need to start thinking about the neighborhood or subdivision you would like to live in. Some of the things you would need to consider would be the school system you would like for your child or children.What type of home design you are interested in and what price range you can afford. In the book " The unofficial guide to buying a home" there is a form on page 56 that should be filled out when making a neighborhood or subdivision a choice. Some of the questions that are listed on the form are-what is the mileage and the amount of minutes it takes to get from your future home to the particular location. For example, how far are you away from you and your spouse job, your church, the children's school, the supermarket, and the closest hospital. All of these things are important when making a house your home.
In the first steps, you would need to decide if you want to search and close on a home on your own, or if you would like to go through a real estate agent. When making this decision, here are some questions you need to consider-are you prepared to deal all by yourself with mortgage loan officers, home inspectors, appraisers, surveyors, closing attorneys and others? Are you familiar with the conditions of a contract negotiation in the community where you intend to live? If you are aware the best loan offers? If you are familiar with the closing process in the state where you'll be buying your home? If you are not sure of the above questions, you will need to find a real estate agent to help you. When you are deciding on a real estate agent be sure to ask them for whom they work for, for how long and who is paying the commission (buyer, seller or both)? Once you have found a real estate agent, it is highly recommended and in some state mandatory that you sign a "Buyer Exclusive Agency Agreement". This contract establishes a relationship between you and your agent for a specific period of time. Once all of this is accomplished, you and your agent are ready to go looking at homes. To build a close relationship with your agent, always try to be on time for your appointments. Let your agent know when you are not interested in a certain home and when you are tired and ready to call it a day.When you have chosen a house, make sure you find out how many other people have looked at the home and for what reasons did they decide not to buy.Why are the sellers selling? Make sure you have a fact sheet that tells you the age of the home, the roof and other type of appliances and basic systems. What have they recently improved? How much are the utility bills? Which appliances stay?These are some of the basic questions that you need to ask.Once your mind I made up about the home don't overdo your visits. Wait until you move in to show family and friends, otherwise, you are inviting opinions that may be better left unexpressed.
Now it is time to negotiate your contract.Your real estate agent will help you negotiate a price with the seller. But before all that is done you will need to hire a home inspector. A home inspector is someone you hire to make sure that the home you plan to buy is sound and to advise you not to buy if your future safety and well being could be compromise. If you are satisfied with the inspection, you can proceed towards the closing, if not, you and the seller can agree to repairs the seller will make or either pay for. Once you have a contract on a home and make your application for a mortgage loan, your loan officer will ask you to pay for a credit report and an appraisal. The appraisal usually costs around $50.00, and it is to determine fair market value of the home you have under contract. You will also need a survey done, to show boundary lines and set back lines of the lot. Next, you will need title insurance, which is mandatory. This protects you against any liens or encumbrances that may have been placed on the property you are buying due to actions of any previous owners. It also recites the legal description of the property you're buying. Bit, most importantly it insures you against any legal action taken by a neighbor because of such easements or encroachments. Your title insurance policy generates your deed, which specifies the type of ownership you have chosen. Now that everything is getting settled, you should be ready to write an "offer". The form you'll use to write an offer is called a "contract". An "offer" is a formal, written proposal from you to the seller expressing what you're willing to pay for the home and the terms under which you'll buy it. Getting financed on a home is the first contingency in your contract.Sit down with your lender and discuss the type of financing that best suits your needs. When you visit your loan officer to purchase your contract he or she will customize a loan that matches you financial profile and the length of time you plan to live in your prospective home.
Once you have accomplished the negotiation, inspection, appraisal, and the tile insurance, you are now ready to begin the "closing".Make sure the settlement you will sign at closing accords with the terms of your contract. For example, make sure the purchase price is correct, that your earnest money has been added to your down payment, your closing cost line up with what your loan officer told you, the fees split between you and the seller have been divided correctly, and that the property taxes have been prorated accurately. Review your loan package at least two days before closing.
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