For the majority, a home purchase is by far the most expensive financial purchase they will make. It’s no wonder the process can seem daunting! Finding the perfect home is much more than just seeing a house and paying for it. New homebuyers must know about location, schools, amenities, neighbors and a myriad of other factors that turn a house into a home.
Here are some helpful tips to get you started:
The Joe Ward team can help you through the entire process of buying a home, starting with the mortgage and continuing right through closing. We are there every step of the way! We have some great referral partners who can help you in understanding the financing part.
Contact one of our referral partners and obtain a copy of your credit report. Be sure to review it thoroughly for any possible mistakes or discrepancy. The higher your credit score, the lower your interest rate. It’s a good idea to go to at least two lenders… You will have a lot of contact with your lender, so choose wisely!
Once you have spoken with a lender, you should have a good idea about how much money they will loan you for a home. After finding out what they will approve, it’s smart to make sure that the payments you qualify for are payments you can afford. This helps you narrow down your home search. You should also research neighborhoods in which you might want to live. Ride around! See what interests you!!!
Identify properties that seem to be a fit for you by taking an afternoon to go on a driving tour. See what’s available in your price range and explore neighborhoods. The Joe Ward team can also set you up on an email drip so that you can quickly see what comes available in our market. Your agent will also take you to see the top prospects so you can find the home for you and your family.
When you’ve identified the home you want to buy, be prepared to help your agent prepare a written offer quickly. Your agent will be familiar with market values and will help you arrive at a price that gives your offer the best chance of being accepted.
Try not to become too emotionally invested just yet… there is always a chance that your offer may not be accepted. Continue to look and have back up homes, and know that your Joe Ward team agent will be negotiating with the sellers on your behalf.
Having an experienced, knowledgeable real estate professional representing you in the transaction just makes good sense. While you are certainly able to deal directly with the listing agent, you need to remember that the listing agent has the best interests of his/her seller at heart… NOT YOU. You deserve someone who is fighting FOR YOU!
Buying a home can be a life-changing event. The Joe Ward team fully understands the real estate process – and more importantly, they understand the local market. Of course they know the right steps to take, but they can also help you avoid a misstep in your home purchase. If you’re unsure about school districts, they’ll be able to direct you to answers. If you’re unsure of a builder’s reputation, they’ll know how you can confirm it.
We will use our knowledge, experience, and vast network of resources to your benefit. We can help you by:
If you are in the market for a home, make sure you follow these tips and contact us so that we may help you find what you are looking for.