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| Buying Your First Home |
How to Buy Your First Home....the Right Way!
Avoid the 10 Most Common, Painful, Frustrating Mistakes First-Time Home Buyers Make
Buying a home can be a stressful experience. You will experience a roller coaster of emotions while searching for the right place, securing the loan, and finally moving in. For most of us, the first home purchase is the largest investment we ve ever considered. The emotions of purchasing something so expensive and personal can often cloud our business judgment.
Most home purchasers do little or no research before they invest their nest egg. Doesn t it make sense to become as completely informed as possible before you buy your first home? This special report is designed to help you avoid 10 common and often costly mistakes. A New Age Real Estate professional can help you make good, sound business decisions based on your personal situation.
- Inspect, Inspect and Inspect - Go over the inspection report with a fine-toothed comb. Make sure the inspection was performed by a licensed professional. For condo, purchases go over the CC&R s, By-Laws, and Association Fees. Don t take anything for granted... inspect everything! Involve your Realtor, your parents, your attorney-anyone whose opinion you trust and respect to offer an objective but helpful opinion on your prospective purchase.
- Imagine the Property Vacant - Your furnishings and decorations will be the ones filling this new residence. Don t be swayed by beautiful furniture, or a current owner's clutter; it leaves with the seller.
- Income + Lifestyle = Mortgage Payment - Sit down with your New Age Real Estate professional and honestly discuss your income level and living expenses. Take into account future considerations like children, additions, amenities, repairs and relocation. Your dream home is certainly worth a sacrifice, but don t mortgage your entire future.
- View Several Homes - See as many properties as it takes to make an informed decision. Don t move too slow, but don t make an offer on the first property you see. With your new Age Realtor's help, you should be able to view enough properties to get a good overall perspective of the home market. When you find the right property, all the leg work will be worth it.
- Utilize Your Team - By aligning yourself with the right New Age Real Estate professional, you will have an entire team at your disposal. Utilize your lender, title company representative, real estate attorney, home inspectors and Realtor. Each of them should work cooperatively for your benefit. Explore all the options before you sign any contract.
- Do Your Homework - Investigate all costs and expenses before you sign. Utilities, taxes, insurance, maintenance and home owner dues and other fees, if applicable. Make sure all utilities (gas, electricity, and water) are on during your walk through so you can inspect everything in working order. Ask lots of questions and be very detail conscious.
- Do a Final Walk-Through - Visit the property after all furnishings have been moved out to be sure there are no surprises. Be absolutely positive the property was left exactly as you had agreed upon in the contract. The final walk through is NOT the time to renew negotiations! At this time, you are looking to make sure the propety is merely in the same condition as it was when you decided to purchase it.
- Plan For Flexibility - Closing dates are not written in stone. Allow for contingencies and have a back-up plan. If you or the sellers need a little more time to conclude the final arrangements, don t let these delays upset or frustrate you. These types of circumstances are not uncommon in a real estate transaction. Your New Age Realtor will help you plan and prepare so there are as few surprises as possible!
- If It s Not In Writing, It's Not So! - All promises and discussions should be in writing. Don t make any assumptions or believe any assurances. Even the best intentions can be misinterpreted. Have your professional keep an ongoing log in writing of all discussions and get the seller s written approval on all agreements. Have your attorney review the agreements for extra assurance the agreements are binding.
- Loyalty Breeds Loyalty - Be open, honest and up front with your real estate team. Hard feelings and disloyalty will cause headaches, delays or may even keep you from getting into the home you worked so hard to locate. One of rthe most common reasons real estate transactions fall apart is due to verbal information not correlating with documented, written information. Tell your lender exactly what your income and expenses are, and make sure you can back it up with documented proof. Take the time to select the right real estate team in the beginning and your first home purchase will be a pleasing and memorable experience!
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