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Lin ♥ J Thinker | I have a question about buying a home for the first time? |
What are some of the steps in buying a home for the first time. What things do I need and how does it work?
Additional Details
Thanks Bj80012.. so far.. that is a start.. |
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amolheda
|
Hello,
Congratulations on deciding on a long-term decision right at the outset of your getting together.
By deciding to buy your home, you will do the following:
1. Stop paying someone else's mortgage.
2. Build your own equity.
3. Since both of you put together have a high income, you will book the tax benefits.
4. Fix your monthly payment on living in a home for your lifetime (based on your mortgage).
The Process:
1. Check your credit by yourself. Try to work on any cleanup that you might need to do (like some irregularities in payments or any other incorrect reporting regarding your credit history. A good Mortgage agent should be a great help and be able to do everything for you. But some mortgage agents might use this for a rip-off.
2. See if you can identify your objectives, needs and wants. Like, if you want to live close to downtown, a new home, a nice neighborhood, commute, lifestyle etc.
3. Find a good Realtor who will help you understand your objectives, needs and wants and put them in perspective so that he will help you identify the home you will want to live in.
4. A good Realtor should be able to take care of the entire process. You have to zone into your dream home out of the Millions of properties available out there. You will also have to identify your constraints in terms of finances, having a Realtor will give you all these ideas.
5. It is very important that you pin your requirements, it will make the process of selection very easy.
6. The process itself.
a. Find a Realtor.
b. Find a Mortgage Agent.
c. Find a house.
d. Once selected, make an offer.
e. If the offer is accepted
Order inspections, title reports, HOA docs if it is a PUD / Townhome.
Finalize Mortgage.
Remove Contingencies based on investigations.
Get ready for sign-off.
Sign-off
Do a walkthrough inspection
Fund your mortgage
Get your Keys
You may want to browse on the internet for some more preliminary understanding.
Disclosure: I am a Licensed Realtor with Century 21 in San Jose, CA. |
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ECREAM
 |
go to a lender and get pre-qualified for a loan. That means you will get a certificate saying how much the bank will loan you and then you can find a real estate agent. |
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cerebral_pulsy
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first put in your mind that money is not every thing,u must search your new neighbours. |
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?
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Find a Real Estate agent that has a track record of selling homes a negotitable prices. Also ask different agencies there prices for first time buyers. you don't want to get stuck being a first time buyer and having to pay $2,400.00 a month for payments |
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theshadow01
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First rule of thumb. 1.5 times your gross annual income equals your mortgage. Any more than that and you will have trouble paying your bills. Believe me, lenders will over finance you.
A Realtor should be able to get you into a First Time Homebuyer Program that will help with down payment (if you are eligible).
Don't be afraid to kick the tires really hard if you like a house. Find out how old the furnace, roof, etc., really are. Talk to the neighbors. They will usually know if there are chronic problems with a house.
The lender will ask you for a hundred thousand pieces of paper. One at a time. This is normal.
Your broker may or may not remember to call you to let you know how the inspection went, if you were approved for the loan, etc. This is normal.
It can be a little overwhelming at times, but owning a home is worth it.
Happy house hunting! |
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beejay
 |
I am currently searching for my first home with my husband. We are not in any rush and so we're just feeling what's out there. We are just going to inspect a lot of houses to see what you can get for what price. Information is priceless so you know what is a good deal and what is a rip off!
One thing I have learnt is that after you see lots of places, the real estate agents will call you to check up on you. If you do not like the house or you find the agent particularly annoying, give them the number of a different agent in the area. Then they won't bother you!
Good luck |
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lilpoindexter
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The first thing you need to know is how you and your husbands credit is.
The secont thing is get together a down payment, or a wad of cash.
Third figure out how much you house you can afford based on your down payment, and how much you can afford per month.....dont forget to include the cost of taxes, insurance and upkeep into the price.
Than when you have an idea of what you can afford interview an agent. I think its better to have an agent for the first house purchase, but you really dont need them...if you read a bood on buying a house, you will know what happens, and you can go to a help-u-sell type of joint....do you really want to pay a realtor 6% to fill out a bunch of forms for you?
Most agents will want to put you in houses that are a few ticks above what you want to see....DONT FALL INTO THEIR TRAP!!!! Get a house that you like.
Happy house hunting |
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jrfern05
 |
Dido on everything above. Also the most important thing to look out for is all the unnecessary fees the like to put on your and the total points they take out on the back end. I can help with that contact me and ILL give you the details. And no I'M not a loan or mortgage broker just an investor looking out for new time buyers. good luck and I'm here to help. |
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Herb R
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CREAM is right! You need to get pre-qualified. I would love to help you if you like. I own my own Loan company in Livermore. Because I work out of my home I charge less than most companies because my overhead for doing business is real low. And my only other employee is my wife so my cost of doing business is significantly lower. Again, I would love to hear from you if you like. My suggestion is, get a rate from at least 3 different people! |
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jonboy_44
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you need a phone number for the patrick swayze hotline, i haven't actually found one yet, but if i do i will gladly share the information with you, as i would hope you would with me also. |
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