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NMLS #1547953

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Preparing To Purchase a Home

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Exploring Your Mortgage Options

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Getting Approved

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Working With an Agent

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Finding a Home

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How To Make an Offer

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Preparing To Close

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Closing on Your Home

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Managing Your Mortgage

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1.FINDING HOUSES FOR SALE

You must have come across a lot of signs in front yards reading “For Sale’, but how do you go about finding homes that can match your finances and goals?

When buying a house, the best option is to explore neighborhoods you want to live in and then search online for listings in that area. Your real estate agent is also going to show you homes that are matching your goals and will provide you with options when new homes are put for sale in the market.

When you’re browsing through home listings, it’s important that you understand that you’re not just purchasing a building but are buying a house that matches your lifestyle. Here are some of the things apart from the house that you should consider, which include:

THE NEIGHBORHOOD

You should look for a house that is close to downtown if you’re searching for an area that offers an active nightlife. However, if you’re looking to get away from the hustle and bustle of the city and want a house with some space and a nice yard, moving to the suburbs would be the best choice.

THE COMMUTE

You should also consider the amount of time you’ll be spending commuting to work every day if you’re moving to a location that is significantly far away.

THE SCHOOLS

If you’re thinking about starting a family or already have a couple of kids, it’s important that you check out the schools in the area you’re moving into. A good school district can increase the value of a home significantly and makes selling your house easier if you do plan on moving again.

HOW DO I SCHEDULE A HOUSE VIEWING?

After you’ve selected a house that you want to purchase, your real estate agent will schedule a house viewing time where no other potential buyers and sellers will be present. You can get in touch with the seller’s agent if you’re not working with a real estate agent to schedule a house viewing. Most sellers also host an open house to allow potential buyers to check out their home.

2. BUILDING A HOUSE VS. BUYING A HOUSE

You may want to explore the idea of building a home rather than buying one, depending on the cost of homes on the market and your budget. There are advantages for both options, and it generally comes down to personal preference when making the choice. We’ll explore the advantages of both options to give you a better idea.

ADVANTAGES OF BUYING A HOUSE
  • It’s usually less expensive than building one.
  • It takes less time to buy a house instead of building one unless the house you’re buying needs major renovations. You could also move-in much quicker after buying a house, instead of working with a construction timeline.
ADVANTAGES OF BUILDING A HOUSE
  • You can build the ideal house and choose what it looks like. A lot of builders will offer stock floor plans and different options, which makes it easier to choose.
  • You won’t inherit any problems from the previous homeowner, as everything is going to be brand-new.

3. WHAT TO LOOK FOR AT THE HOUSE VIEWING

If you’re thinking about making an offer for the house, you should have a house inspector review everything. However, you can notice potential red flags by yourself when you’re at the house viewing. These include the following:

PLUMBING AND ELECTRICAL ISSUES

Check out all electrical outlets and light switches and ensure that the toilets and faucets aren’t leaking. You should also keep an eye out for signs of water damage on the ceilings and the floor.

OLD APPLIANCES, CHIMNEYS AND GAS FURNACES

If these items haven’t been serviced and appear to be older, you may have to get them replaced, cleaned, or repaired after purchasing the house.

RADON, LEAD PAINT, AND CARBON MONOXIDE

You should ask the home seller if there have been tests carried out in the home for these. If these tests haven’t been done, you’ll need to get them done during the inspection.

FULL OR DEFECTIVE GUTTERS

Check whether the gutters of the home are working properly and aren’t clogged since that may lead to water pooling around the home foundations, which can be very expensive to repair.

TREE LOCATION AND QUALITY

Try calculating the chances of a tree falling on the roof of a house if there are strong winds or a powerful storm.

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Further Reading

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