ARealty NationalSales Associate can help you through the entire process of buying a home, starting with the mortgage and continuing right through closing and beyond. He or she can help you shop for the best interest rate and terms and, if you wish, suggest mortgage lenders.
Obtain a copy of your credit report and yourFICOscore and, if necessary, do what you need to do to improve it. The higher yourFICOscore, the better interest rate you can command. You can get this information online; yourRealty Nationalagent can also help you. Contact several lenders and determine which one will give you the best deal.
By now you should have a good idea of how much home you can afford. This helps you narrow down your home search. You should also begin researching the neighborhoods in which you might want to live. YourRealty Nationalagent can help.
Your agent can add to the list of homes youve already identified including ones that have just come on the market. Look at homes with a critical eye does the floor plan work for you, is the property in good condition, would it be right for your lifestyle? In short, can you imagine yourself and your family living there?
Take notes at each home you visit. What do you like and not like? Narrow down your choices; re-visit homes in which youre interested. See them at different times of the day.
When youve identified the home you want to buy, be prepared to help your agent prepare a written offer quickly. YourRealty NationalAgentwill be familiar with market values and will help you arrive at a price that gives your offer the best chance of being accepted.
At this stage, try not to become emotionally attached to a home. Your offer may not be accepted for any number of reasons. Have backup homes in mind. Be prepared to negotiate through your agent with the sellers.