Home buying mistakes and how to avoid them
准备好成为房主了? Be sure to avoid these first-time buyer mistakes.
以创纪录的低利率, 最低房价, 也没有自己的房子可以卖, many young adults are well-positioned for buying their first home. If you're ready to become a homeowner, watch out for these common first-time-buyer mistakes:
Not getting a pre-qualification letter
Before you start your home search, meet with a lender or mortgage broker to determine how much money you are qualified to borrow. Having a pre-qualification letter in-hand offers peace-of-mind to you, 卖方, 还有你的房地产经纪人.
Overestimating what you can afford
Go through your income, expenses and investments. You may discover that you aren't comfortable spending what your lender believes you can afford.
Underestimating the costs of home ownership
The expenses of owning a home go beyond your monthly mortgage payment. 作为房主, you'll be responsible for costs landlords usually cover, 包括财产税, pp王者电子官网, 协会会费, 公用事业公司, 保养和修理.
没有长远考虑
Cosmetic details that you can change should not discourage you from buying a home. Whether you're planning to sell the house in a few years or make it your forever home, finding a home in the right neighborhood or one with a new furnace may outweigh drawbacks such as a slightly outdated kitchen or bath.
花光你所有的钱
Avoid draining your savings to purchase a home or offering the maximum amount you're qualified to borrow. You want to have money left over to cover unexpected expenses that could arise after you buy.
放弃检查
Before celebrating the fact you've found a home you love, hire a professional home inspector to find any problems that could impact your decision to buy.
忘记附带条款
Consider including in your purchase agreement a contingency clause that allows you to back out if your loan falls through, the home doesn't appraise at its sale price, 否则你会丢掉工作.
And once you've found the first home of your dreams, you'll need 房产pp王者电子官网 保护您的投资. 联系你的 本地状态 Farm®代理 今天!
