Buying

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  Keep your money where it is. VERY important.
Do NOT make any big purchases or move money around for 3 to 6 months before buying a home. You don’t want to change your credit profile.
 

 Get pre-approved for your home loan.
There is a difference between being pre-qualified and pre-approved. Talk to your lender.
 

 Don’t buy a home for its décor.
Look beyond the furniture, paint, and Knick knacks. Don’t be distracted from the imperfections that the décor may be hiding. 

Don’t try to time the market.
Don’t obsess with trying to determine when the best time to buy is. The housing market is very unpredictable. The best time to buy is when you find the right house.

Bigger isn’t always better.
Having the biggest, best house on the block means your home might appreciate differently than the homes around you.

Consider more than just the mortgage.
The difference between renting and owning a home is more than just the mortgage. Don’t forget taxes, insurance, utilities, and maintenance when determining a budget.

You are buying a house, not dating it.
Buying a home just because you fall in love with it could make you blind to its imperfections or cause you to bust your budget. Know the difference between emotion and instinct. Including must-haves and must NOT haves on your priority list will help remind you what you want.

 Check it out.
You wouldn’t buy a car without a test drive, don’t buy a home without one. Hire a home inspector and listen to what they say. Be prepared to walk away if needed.

The science of biding.

Your offer should be based on what you can afford and what you really think the home is worth. Don’t get caught up in “winning”. Be fair and reasonable.

 Hire some help.
Hire a real estate professional (REALTOR®) to assist you with this process.