First Time Home Buyer Seminar May 1 2018 Time 530 PM Helping You Hit A Home Run In The Home Buying ProcessFirst Time Home Buyers Seminar brought to you by First United Morgage Group Tonya Hudgins
Home Buying Tips Does It Really Matter Denison Homes For Sale
Home Buying Tips Does it Really Matter Denison homes for sale
Buying a home may be the largest single purchase of your life and the process can be daunting. Organize your plans and expectations in the following order to simplify and smooth your way into home ownership.
Set Your Priorities
Whether you are a first timer or a repeat homebuyer, this is an emotional and financial decision. The best negotiators are the most informed. What can you afford? What is your credit rating? Do you have a down payment? Do you know the neighborhoods you prefer? What are the recent sold prices of the homes there?
Hire a Denison Real Estate Agent
The process isn’t easy, and you will be glad to have experienced, professional advice to help your find properties, as well as guide you through with the maze of forms, financing, inspection and negotiating. Find an agent who you like and who knows the community well.
Most buyers need to finance the home purchase. Consult with a lender to find out the different types of mortgages and how you quality. Find out how much you can afford to borrow and get pre-approved. This is a crucial step before beginning your home search.
Looking at properties can be fun, frustrating and challenging. Where to live? What style of home? Old or new? Ready-to-go or a fixer-upper? Searching websites will bring up thousands of homes for sale. As you educate yourself on the market, your agent will help you narrow your priorities and make an informed decision about your final choices.
Make an Offer
This is another area where your agent is invaluable in negotiating for you. Decide whether or not you will go with the asking price. The offer will include conditions, or contingencies, necessary for the sale. These are items that must be satisfied within a set time frame for the sale to go through. A home inspection also should be scheduled.
Close the Deal
Closing or settlement or escrow are all terms for finalizing the sales transaction. The buyer and seller sign numerous documents and the closing agent disburses the money. The title company is responsible for having the deed and other documents recorded at the county office.
The Keys, Please
The Denison home is yours. Your contract states when you can take possession of your new home. Ask your agent if you will get the keys at closing or after the deed is recorded. Along with the keys, you should receive garage door openers and security alarm codes if those are included. Then you are ready for the moving van, unpacking boxes and hanging pictures!
When closing is finally complete and the keys to your new home are in your hand, there are a number of things you will want to do to make your move as smooth as possible. If your schedule allows, plan on a day or more to get your new place ready before the boxes actually come through the door. Then move through the following checklist.
Change the Locks
You really don’t know who has keys to your new home, so changing the locks gives you assurance that you are the only one with access. New deadbolts are the smartest choice, and installation is not expensive.
Locate the Mains
Find the location of your new home’s breaker box. You don’t want to put this off until an incident leaves you fumbling in the dark looking for a flashlight that is still packed away. If the breakers aren’t labelled, get this done to save guesswork later. Finally, find the main water valve to your new home.
Setting off a bug bomb or having an exterminator spray before you move in is a good plan. Even if you don’t see any crawly things, they are likely there, and you don’t want to share your new place with them.
It will never be as easy to clean your new house again as when it is empty. Wipe out cabinets and add shelf paper if you like. Dust baseboards and windowsills. Have the carpet steam cleaned. Run a phantom load through the dishwasher and washing machine. Wipe out the refrigerator, freezer, and oven.
After the Movers Leave
Inspect everything after the boxes and furniture have been moved into your new home. Unpack the essentials first, including towels, bed linens, toiletries, and a enough clothes for the next few days. Find the coffee maker and the pet supplies, A few bumps and scrapes are likely during unpacking, so unpack a few basic first aid items. Make the beds. Other things for your “open first” box: toilet paper, trash bags, paper towels, kitchen basics and scissors. Once all those are done, you can move onto everything else from organizing closets to hanging pictures.
Let Everyone Know
You have a new address, and you need to share it. Fill out change of address information with the post office, credit card companies, banks, insurance company, and magazine subscriptions. If you have moved to a new state, your automobile registration, driver’s license, and voter registration will need to be updated.
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