Get pre approval from a lender: Talk to several lenders. See who is out there, what type of loan can they give you, what is the locked in interest rate and what are the closing cost fees? Don’t just talk to one lender, talk to two or three, you want to make sure you are getting the best rates. Getting pre approval from a mortgage lender shows that you are serious and financially able to make an offer on a home.
Location, Location, Location: Think about where you want to live. Is the location close to work, family, and activities? Does the location fit your life style now and in the future? Do you have school age children? Do you want to live in a city, rural, or suburban area?
What type of home do you want? Once you know where you want to live the next question is what type of home do you want to live in? Do you want a single family home, townhome, condo, etc.? How many bedrooms and bathrooms do you want? Do you envision having a large yard? Are you willing to do home repairs or remodeling, or do you want the home to be move in ready? What items on your list are “must haves” and what items can you live without?
Don’t forget about the other expenses! If you are a first time home buyer don’t forget there is more to home ownership than paying the mortgage. As a homeowner there are many financial responsibilities when owning a home, some are basic such as utilities, homeowner insurance, and property taxes, but some can spring upon you without any notice such as a leaky roof that needs to be replaced or a broken HVAC unit. Whatever the case may be it is important to be prepared for these “surprise” issues.
Keep an open mind: When touring homes keep an open mind, try to look past paint colors and the 1970’s wallpaper. Image the home with your furnishings and your special touch. Look past all the decorations to the things that cannot be changed or easily fixed such as the size of the rooms, the highway right behind the home, or structural problems.
Most importantly find a REALTOR you can trust. They work for you, for free until closing, and are paid by the seller's. Have someone that represents you, keeps you on track and has your best interest in mind. Call/text me 703-785-8203 to talk about how I can get you started, find you your dream home and represent you from start to settlement!
Author:Melody Visser Phone: 703-785-8203 Dated: February 16th 2015 Views: 499 About Melody: Melody Hall Visser is a passionate Realtor who lists, sells, and dwells in Northern Virginia. Curren...
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February 2017 Loudoun County Market Trends Report: Homes Selling Faste
"“From the very beginning of our home search, Melody was helpful, responsive, knowledgeable, and accommodating. We live in Western Loudoun but Melody was happy to drive out here and take us house hunting multiple times. What impressed us the most was how on the ball she is – she responded so quickly to any questions we had, and if she didn’t know the answer or was unsure she took the time to go and research the subject in depth. For instance, we had questions about radon levels and the various water tests needed for well water. She was on the phone calling all kinds of companies and even government agencies to get us answers. She also wasn’t afraid to go to the sellers’ agents with any questions or concerns we had, no matter how small they might have been. She really was an advocate for us, and we knew that she wasn’t just out there trying to get us to buy a house and close the deal, she wanted us to find THE house, and get us the best deal. We had some requirements that really narrowed our pool of homes to choose from but we ended up finding our forever home, thanks to Melody. We had a few hiccups before closing but she was there every step of the way, in regular contact with the sellers agent, title company, mortgage lender, and even handled arranging all of the inspections for us. We would not hesitate to highly recommend her to anyone! ” "