When you decide to become a home owner you want to get your family in the right home and you want to do it without unnecessary hassles and stress along the way. Home shopping can be stressful, but there are some things you can do that will help you to make it less stressful and that will help you end up in the right home. This helpful ABCD guide will assist you with purchasing a home without too much stress:
A: Always be mindful of your credit score – Your credit score is extremely important to purchasing a home. It will dictate whether or not you are even going to be able to qualify for a home now, what types of loans are available to you and what your interest rate is going to be. The best ways to achieve an excellent credit score is to pay your bills on time, don't get too many lines of credit open, keep a low balance on your lines of credit and don't try for new lines of credit once you know you are going to be trying to buy a home.
B: Be pre-approved before you start home shopping – When you are looking at homes that are on the market, you want to look like a serious buyer so you know you are going to be taken serious. The number one thing you want to do to look prepared and serious is to get yourself pre-approved. On top of making you look serious, this will also help you by giving you an up-front idea of how much you will qualify for.
C: Create a list of your family's must-have features - Before you head out looking at places you want to know which ones deserve your attention, so you don't waste a lot of time looking at houses that aren't going to be the right fit. Come up with a list of things that are non-negotiable definite must-haves and give it to your real estate agent.
D: Don't procrastinate on getting your offer in to the seller - Once you know a house is the one you want, get your offer in immediately. Even if it is after hours, you want to leave a message to your real estate agent letting them know. Even a few minutes can make all the difference to you having your offer accepted if someone else also decides they want the house.Share