First of all, discuss your home requirements, including style, location and price with the real estate agent; he/she should assist you in obtaining home loan qualification and the best available loan for your unique situation. You also should look through the results of the agent’s search and check out the best properties that meet your needs and fit your budget. You may also ask the agent to prepare property value comparison and then critically evaluate the properties.
And here are some advices if you firmly decided to buy a house. First of all, what you should not do before this. Do not do major purchases. Major purchase, like a car, can influence your credit rating and lenders may doubt whether to work with you. Try not to change your job in this period. But sometimes that may make no difference, especially if you will be making more money. You should keep your money in one place. Lenders may not feel assured when they are making a safe investment in you. You will be required to provide statements from checking, savings and money market accounts. Moving money between these accounts will make that paper trail longer and rather hard to follow.
And here some reasons why your decision to purchase a house is right. It is a grand investment. Homes go up in price at a rate of four to five percent each year on average. That number changes based on many factors, including neighborhood, the home and its amenities and dozens of other factors. That five percent is safer and more stable than almost any other investment. Stocks rise and fall and other forms of investment can be just as unreliable.
Certainly you make mortgage payments and pay property taxes, along with a couple of other costs. However, since the interest on your mortgage and your property taxes are both tax deductible, your home purchase is essentially subsidized by the government. And anyway your rate of return when buying a home is much higher than any other your investment.
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