First Time Home Buyer (Be Home For the Holidays)
First Time Home Buyer (Be Home For the Holidays)
First Time Home Buyer is a great place to be today. Home incentives are abundantly available. It is definitely a buyer's market so the first time home buyer can really get a good deal today.
Ok so how does the process take place and how can we get you in your new home for the holidays? First all contact your realtor for life, Coffey Caesar Real Estate Firm, and let's start our discuss your unique situation and discover your specifics.What is it that you want in your new home, number of bedrooms, location, school district, bathroom, how many living areas, garage spaces, walk-in closet, laundry room or not, and most of all the budget. I prefer to do this in person if you are local, however, we can talk effectively by phone and internet. What is the cost of the home you want to purchase or what is a comfortable monthly mortgage payment you want to make? So what is the price we will be working with. At the present, understand, if you have talked to a lender, tell us, if not then we are going to put you in touch with several lenders to get your pre-qualified.
After talking about your financials with you lender, we will know the budget (meaning the price of the house you will be looking to purchase). To make a full loan application, many lenders will require you to do this online, you don't have to even leave home. However, I do suggest, after getting pre-qualified, set an appointment with the lender of your choice to meet face to face, because we will all be working together for a long time. Don't forget to ask about down payment assistance, closing cost help and the different loan programs today for first time home buyer.
Now let's go house shopping. We know the budget, we know the specifics you want. preferably I as your Realtor will give you a list of home, the best of in the price range you have specified. You can go out with the your family and do what I call a "drive-by". Just looking at the outside of the home, this is after you have narrowed down the initial list. Just drive by and at location, neighborhood, and the outside of the house. Write down features you like so you can discuss them later (pretty shutters, nice color, great landscape, even note colors). Relay this info to your Realtor and your Realtor will make appointments for you and she to have a look at the properties on a specific day and time at a formal showing.
After the showing, narrow the list again to the properties you really like and if needed have a second showing to narrow to the one you want to make an offer on. Discuss with your realtor, if needed ask your CCREF agent for comps to arrive at an offer price. Make your offer, which will be presented by your realtor. You can negotiate if needed on price and terms, talk to your CCREF.
After your offer is accepted, you are in contract. In the meantime, your lender is also working on your loan at the same time. And the title company is working on the title work all simultaneously.
Get the inspection, negotiate the repairs with your realtor's help (if warranted, if its a HUD or as, it's just that, as-is, no repairs). But still, have an inspection either way, at least you will know what the issues are with your new purchase and you can use inspection report as a to do list after you move in.
The lender will ask you for the appraisal money and will order the appraisal. the title company will need a copy of the insurance, you can usually get a discount if you go thru your car insurance agent for multiple policies. Check with yor agent.
We are ready to go to close, remember to bring your ID and all funds needed to close should be in the form of a cashier's check payable to the title company, you'll know this in advance by your Realtor and or lender. If married, you both need to be in attendance to sign the docs.
Congratulation, you are a First Time Home Buyer and we did it all easily and expediently. Yes you can Be Home For the Holidays. Click here to see what we have to offer or clients.
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