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BUYING TIPS

Familiarize yourself with the mortgage process.

Begin the application process by getting prequalified and preapproved from a Mortgage Lender. Do this first. Your Agent will need your mortgage qualification, and it will significantly strengthen your offer when you find a home.

Get your financial picture in focus as soon as possible. Since it is an important component, be aware of your credit situation. The best time to work on your budget is before you move.

Find an Agent that you trust. It is important to do this before you go rushing off looking for homes or you may end up with no representation.

Determine your housing needs and wants to determine what types of houses you should be considering.

Familiarize yourself with the various types of housing available: Single family, townhouse, and condo.

Make a scorecard for each house to help you keep track of the properties you've seen.

Familiarize yourself with how to set a value on a house. This can save you a great deal of time and helps to avoid disappointment.

When you find an acceptable house, write an offer. Familiarize yourself with how offers become contracts.

Negotiate your best deal using the information you have acquired.

If you haven't already done so, make a mortgage loan request.

Arrange for home inspection. Protect yourself and do not skip this step!

Learn about home warranties and what they cover.

Compare and secure homeowners insurance.

Arrange for closing agent or attorney. Make all final preparations for closing.

Make moving plans. If you plan to use a moving company, make comparisons and reserve time now.

Secure final loan approval and commitment from the lending institution. If you have done your "up-front" work, this should be one of your easiest steps.

Do a final walk through of the house.

Final closing and settlement.

Move to your new home and begin enjoying it--you deserve it!

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