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Before You Buy A House - Top 10 Tips


There are serveral things you need to think about and check on before you buy a house. Even looking at so many houses can be confusing. Below is a list of the top ten things to help you before you buy.

1. Pre-qualify for a mortgage. Now you know how much house you can afford before you start looking. This will narrow your search and keep you "real" and not disappointed on houses you can't afford.

2. Find a good neighborhood. Know the school district and is it a good one if you have kids attending. Is shopping convenient? Is the area growing and can you look forward to appreciation on your house? What's the area like? Are you next to vacant land that could be a freeway or a new mall in your backyard?

3. Log. Log your visits to potential houses. Sounds silly, but after you look at several, it can get confusing later on. Write down advantages and disadvantages of each house. Even draw a simple layout sketch to refresh your memory.

4. Money. How much more is your house going to cost than just your house payment? Taxes and Insurance. And if you are new home buyer and don't have a huge down payment (20%) then add in mortgage insurance. Required by the government. Check with your mortgage company. They can give you the rate. Realtors sometimes forget to tell you these added costs. This will be your real payment. You also have to look at utilities. And certainly it would be hard to move into a house without repainting or wallpapering or something.

5. Shop till you drop. Don't stop at the 3rd house and say that's it and pick one. You should look at a bunch of homes to get a good comparison. And you'll remember number 3 above. You should look at 15 homes at least as an average guideline.

6. Inspect. Found the house you want? Ready to make an offer? Not yet. Hire a professional inspection service. Once they make their inspection, you are better armed with any potential problems and can adjust your price accordingly.

7. Let the negotiations begin! Now you are armed with your inspection information, you are ready to negotiate carefully. Put it ALL in writing. No exceptions.

8. Moving. Allow extra time to move. Something always happens. Make sure you have plenty of overlap and plenty of time to get out of your old house. One word. Rain.

9. A word on insurance. Shop around. Consider a high deductible. $250 deductible seems a little low these days. And you pay for it. Also, consider your car insurance while shopping. Most offer discounts when they get all of your business.

10. Real Estate Agents. Yes, you can find a house on your own, but agents are helpful to assess your needs and show you houses that may match what you are looking for. They also get on your side for the negotiating. Get a referral from a friend or family.

Buying a house is a big deal. No need to rush. They make them everyday. Shopping for financing can be as big a step as actually finding the house. Don't give up. It's work. Then you have to move everything.

Stuart Simpson has a neat mortgage calculator you can try.


MORE RESOURCES:
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Pittsburgh Post-Gazette

Pittsburgh housing market a boon to attracting Amazon, real estate experts say
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Housing just might be Pittsburgh's ace in the hole in its bid for Amazon's second headquarters. At least that's the view of two online real estate marketplaces that give Pittsburgh an edge over other contenders in the battle for HQ2 based on housing ...
Think real estate prices are high now? Wait until Amazon moves to town.Miami Herald
If Chicago lands Amazon's HQ2, will scores of residents be priced out of their neighborhoods?Chicago Tribune

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Solano Real Estate Scene: Do you believe homeownership possible?
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We recently came across an old picture of Jeff Bezos, the founder of Amazon, working in his garage, where he had converted it into the first corporate headquarters of Amazon. That was in the 1990s and today Amazon is one of the largest corporations in ...

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AZCentral.com

Venture REI's new platform allows buying, selling real estate online
AZCentral.com
I started looking for opportunities that were innovative … to keep real estate agents relevant,” Noma said. He sought out and implemented the platform to do that. The 20 property transactions done on Super Seller AZ have involved young professionals ...



Real estate records, 01/21/18
Lincoln Journal Star
Ernst, Ryan C & Latta, Joni to Drueppel, Cassidy J & Beard, Meagan L, 2822 O'shea Dr., $261,500. Federal National Mortgage Association to Janssen, Sandra, 510 S 55 St., $112,000. Fischer, John H to Alkali, Denise Joy & Bello Ahmed, 2321 Nw 47 St., $147 ...



Fstoppers

How to Begin Shooting High-End Real Estate Video
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With the advent of digital cameras, drones, the Internet, and social media, video has become much more a part of every facet of advertising and our general content consumption. Even Fstoppers began by sharing behind-the-scenes videos of photographers ...



Torrington Register Citizen

Real estate notes, Jan. 20, 2018
Torrington Register Citizen
NORTH HAVEN — Dawn Calvo, CEO of the New Haven Middlesex Association of REALTORS® (NHMR) is pleased to announce the Association's 2018 Board of Directors. They are as follows: President Joel Grossman, Calcagni Real Estate, Wallingford; President-Elect ...



Real estate transfers for Jan. 21, 2018
Roanoke Times
Breene, Louise B. to Christopher A. Stevens and Robyn E. Sharkey, 178 Houston Ave. S.E. Roanoke VA 24012, $137,000 01/03/2018. Callis, Tracy G. to Mill Mountain Investments LLC, 2502 Creston Ave. S.W. Roanoke VA 24015, $103,000 01/05/2018. Habitat for ...



Forbes

Mattress Firm Fraud Defendant Claims Retailer Has 'Unclean Hands' In Real Estate Conspiracy
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Former in-house real estate executives Bruce Levy and Ryan Vinson, former Colliers International Atlanta executive Alexander Deitch, along with three developers and their principals — Nashville-based Oldacre McDonald, Illinois-based Quattro ...



International investment in US real estate on the rise
Charleston Post Courier
From Washington state to Miami, real estate property is being purchased in increasing numbers from overseas buyers with money in a strong but slowing global economy. Wealth Migrate marketplace expects investments to expand in 2018. The KPMG FinTech 50 ...

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Sun Sentinel

Where are South Florida's 8 Amazon headquarter sites? Real estate experts identify potential candidates
Sun Sentinel
With South Florida as a finalist to be the home of a second Amazon headquarters, real estate experts have identified potential candidates for a site, which would bring 50,000 new jobs and a $5 billion investment. The sites are all conjecture, however ...
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