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So you want to buy a
house? Chances are you are not sure where to start, and you may even be very
overwhelmed by the possibilities and choices. This article will start to put
your mind at rest and will help you wade through all the information out
there by giving you some good, solid advice on home buying.
Don't let the decor or minor cosmetic issues keep you from buying what
would otherwise be your dream home. Simple home improvements like
repainting, changing (or just cleaning)carpeting, or upgrading fittings and
tiling, could turn something you find ugly, into something that feels like
it was a custom built home just for you.
Mortgage lenders will use a housing expense-to income ratio to calculate
how much of a mortgage you will be able to afford to pay for. They calculate
the property tax payments, principle and interest on the loan and insurance
premiums on the home and use it to determine your potential payment to see
if it is affordable.
Thoroughly check your area around your potential home if you are going to
buy real estate. It is important to know what the crime rate is, and it is
good to know if there are any sex offenders in the area, as this can
significantly lower the price you would be paying for the home.
Keep in mind that when you contact the realtor who did the listing to show
you a house you might be interested in buying that the realtor may consider
himself your realtor. If you go through and put an offer on that house with
another realtor, the original one will want to put a claim on you. So always
be sure to have your own realtor set up appointments in order to avoid a
sticky situation in the future.
Looking to purchase a short sale? Hire a realtor who specializes in them.
Short sales can be tricky and the buying process can be long. A qualified
realtor with specific experience in this area will know how they work. This
will give you the best chance of getting your home at the price you want.
Consider how far away you family will be when looking at neighborhoods,
especially when you have children. Having family members located nearby can
be a great benefit both emotionally and financially. A family member can act
as an emergency babysitter when needed or be there to help out on a big
painting job.
Consider buying that vacation home you've always wanted during a slump in
the real estate market. Some of the lowest property prices in the country
during a slump are in destination markets. Interest rates may also be lower
for buyers in those markets, in an attempt to entice new buyers into the
area.
When looking to buy your new home pay special attention to the kitchen.
The kitchen is usually the center of family activity so this room is one of
the most important in the house. Large kitchens are desirable, and so are
modern appliances. It should be easy to get to your back yard from your
kitchen, this is important for times when you may be grilling out or having
outdoor parties.
Buying real
estate can be a very tricky process. The more you know the better your whole
experience will be. Go forth and feel secure in the knowledge you learned
here. Using these tips, in addition to other information, you will come out
of the other side a successful property owner.
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