DON'T PROCRASTNATE - BUY NOW

Single people need homes too. 

This is for anyone looking for a home, but single people will have additional items to address.

If you are buying a home with a friend it is different than buying a home with a spouse or a life partner.  So before, you go forward make sure you have discussed everything, especially the hard questions, have some very frank discussions about each of your expectations.

 Or if you can afford to do so go so-lo.

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So you want to buy a home?  You've made a commitment with yourself to purchase a home, well, that's just the start.

 So, let's get started:      Get out a pen and pad; you need to write a few things down. 

 First:                And this is before you shop for a Realtor or a Home, write down WHY you want to  buy a home.  What does this mean to you?  Has this been a life long dream?

              The big home with a white picket fence and a dog, isn't for everyone, think about what type of home you would like, large lot, small lot (do you like to mow)?  Write down everything you think about, you can organize it LATER. This will take longer for some than others, it is because of the tax write-offs, write it down, or because you would like to have lots of pets, whatever comes to mind, write it down.

 •·       Next, decide when you would like to move. 

 Second:           This step is a little easier than the first, but almost more important, FIND  A REALTOR

                                Don't:        just call Aunt Suzie or Uncle John if they don't work as:

  FULL TIME                   FULL SERVICE                         REALTORS,  also find out if the Realtor is an

ABR       (Accredited Buyers Representative). 

            Make an appointment with several Realtors and talk with them see if you and that person think the same about important things and ask yourself: 

 Could I tell this person important information and feel comfortable that they would keep it confidential and be loyal to me. 

When you can answer YES to this question, you have found your REALTOR.

Ask them if they would be willing to represent you in your home purchase, and sign a Buyers Representative Agreement.  Remember that loyalty is a two-way street; you need to be as truthfull and honest with your agent as you expect them to be with you.

 •·                     Now it gets a LITTLE easier. 

 Next:                With the help of your chosen REALTOR, you will need to find a Mortgage Lender, and     apply for your loan, (YES, do this BEFORE you look at homes).

             Once you have applied for your loan, the loan officer will tell the maximum amount of home you qualify for, with the down payments and assets you disclosed to them.  This is considered pre-qualification.

 NOW:               It's time to start looking for Your Home, your agent and you need to discuss your want and needs to determine your priorities.

  When pre-viewing homes be sure to tell your agent what you like and also what you don't like is just as important. 

 Remember,     Don't Procrastinate     Don't Wait...Buy Now...

 prices, even in a slow market rise faster than you can raise your credit score, or save an extra few thousand for a down payment.

Doris Freeman     -     Sherri Smith     -     "TEAM MOTHER DAUGHTER"

                                   615-438-3221             615-557-2070                      Reliant Realty

                                                      dorisandsherri@yahoo.com

http://www.homesintennesseeforsale.com

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