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As a Charlottesville-area Realtor, I have helped people make real estate buying and selling decisions for a very long time. I enjoy the process; I love being in a position to help people secure a safe, warm, lovely environment that makes them feel good when they arrive home.
I also want them to make good decisions with regard to pricing and financing. Accepting the terms of a mortgage should be thoughtful and considered; a buyer should be comfortable with their decision.
Sometimes I realize that I have been doing this for so long that I’ve begun to take the process for granted. I don’t ever want to do that, so I make myself stop and review the steps required of buyers and sellers. Following is one of many articles provided through the National Association of Realtor’sBuyandSell.HouseLogic.com site, listing basic, but nonetheless important, steps that buyers should keep in mind as they consider the purchase of a home.
Buying a home is not rocket science, but there are many potential pitfalls (some that are rather costly) that a good Realtor can help you avoid. A good Realtor can also lead you to the perfect house for whatever your circumstances. As a Charlottesville-area Realtor for over twenty years, I've invested much of my life in my clients' hopes and dreams. Call me if I can help you find yours, (434) 981-0871 or Virginia@CharlottesvilleHOME.com.
By doing your homework before you buy, you'll feel more content about your new home. Most potential homebuyers are a smidge daunted by the fact that they're about to agree to a hefty mortgage that they'll be paying for the next few decades. The best way to relieve that anxiety is to be confident you're purchasing the best home at a price you can afford with the most favorable financing. These seven steps will help you make smart decisions about your biggest purchase. 1. Decide how much home you can afford Generally, you can afford a home priced 2 to 3 times your gross income. Remember to consider costs every homeowner must cover: property taxes, insurance, maintenance, utilities, and community association fees, if applicable, as well as costs specific to your family, such as day care if you plan to have children. 2. Develop your home wish list Be honest about which features you must have and which you'd like to have. Handicap accessibility for an aging parent or special needs child is a must. Granite countertops and stainless steel appliances are in the bonus category. Come up with your top-five must-haves and top-five wants to help you focus your search and make a logical, rather than emotional, choice when home shopping. 3. Select where you want to live Make a list of your top-five community priorities, such as commute time, schools, and recreational facilities. Ask your REALTOR to help you identify three to four target neighborhoods based on your priorities. 4. Start saving Have you saved enough money to qualify for a mortgage and cover your downpayment? Ideally, you should have 20% of the purchase price set aside for a downpayment, but some lenders allow as little as 5% down. A small downpayment preserves your savings for emergencies. However, the lower your downpayment, the higher the loan amount you'll need to qualify for, and if you still qualify, the higher your monthly payment. Your downpayment size can also influence your interest rate and the type of loan you can get. Finally, if your downpayment is less than 20%, you'll be required to purchase private mortgage insurance. Depending on the size of your loan, PMI can add hundreds to your monthly payment. Check with your state and local government for mortgage and downpayment assistance programs for first-time buyers.
5. Ask about all the costs before you sign A downpayment is just one homebuying cost. Your REALTOR can tell you what other costs buyers commonly pay in your area-including home inspections, attorneys' fees, and transfer fees of 2% to 7% of the home price. Tally up the extras you'll also want to buy after you move-in, such as window coverings and patio furniture for your new yard.
6. Get your credit in order A credit report details your borrowing history, including any late payments and bad debts, and typically includes a credit score. Lenders lean heavily on your credit report and credit score in determining whether, how much, and at what interest rate to lend for a home. Most require a minimum credit score of 620 for a home mortgage. You're entitled to free copies of your credit reports annually from the major credit bureaus: Equifax, Experian, and TransUnion. Order and then pore over them to ensure the information is accurate, and try to correct any errors before you buy. If your credit score isn't up to snuff, the easiest ways to improve it are to pay every bill on time and pay down high credit card debt.
G.M. Filisko is an attorney and award-winning writer who has thrice survived the homebuying process. A frequent contributor to many national publications including Bankrate.com, REALTOR Magazine, and the American Bar Association Journal, she specializes in real estate, business, personal finance, and legal topics.
Visit houselogic.com for more articles like this. Reprinted from HouseLogic with permission of the NATIONAL ASSOCIATION OF REALTORS. Copyright 2011. All rights reserved.
CharlottesvilleHOME.com is the go-to place for up-to-date information about the City of Charlottesville, Albemarle County, Greene County, and Fluvanna County real estate, home prices and availability. Charlottesville real estate for sale, from University of Virginia neighborhoods and planned unit developments with new homes, to luxury estates within the wider community, you'll find the home of your dreams with CharlottesvilleHOME.com.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.