If you are currently in the market for a home, you will find our website an excellent resource. The site is continually updated with new and valuable information to aid in your decision making process. The search feature allows you to filter thousands of listings based on attributes that you select. You can simply search for houses in a certain area and price range, or you can look for houses that fit your specific style. If you know you want a brick house with gas heat and a garage, you can get the results you’re looking for. Most real estate websites don’t offer that degree of choice. By signing up with the Property Watch, which is free, you have access to features that will help you find and organize the listings that best fit your needs: Saved Searches allow you to preserve your searches for reference at a later time. You can easily maintain lists of properties that match your criteria without having to re-enter any information, and there is no limit to the number of searches you can save. The Favorites Folder allows you to save the individual listings that you find appealing. You can save favorites from different searches into sub-folders, giving you the power to organize your favorite listings however you see fit. This is a great way to put in order those specific listings that interest you most. Again, you may save as many favorites as you wish. With the New Listing Notification service, you can be updated via e-mail as to new listings that match the criteria of any saved search. There is no need to check back for updates to your searches. All you have to do is decide whether you want daily, weekly, or bi-weekly notifications of the most recent listings.
We always strive to make the home-buying process as smooth as possible. With the Property Watch you have the tools at your fingertips that can get you started in the right direction.
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Tips For First Time Buyers:
Tip #1: Do Your Homework The perfect home won’t find you by itself. The key step in buying a home is doing the proper research. Educate yourself on local schools, neighborhoods, and the kinds of homes available. By reading available materials and talking with experts, you can start to put together your idea of the perfect home.
Tip #2: Start Planning Most decisions benefit greatly from proper planning, and home buying is certainly no exception. Start a filing system with sections such as home buying, home financing, and service providers. By forming a home buying plan you can more easily focus on the most important factors and help give structure to the entire process. My website is a great resource for property information.
Tip #3: Get PreQualified Getting prequalified for a loan normally only requires a short phone conversation with a lender, and can greatly help your home search. Prequalification does not guarantee you a loan, but it does provide you with an estimated monthly payment and a price range to use as a guide when shopping for homes. Being prequalified can also often indicate to sellers that you are a serious, prepared buyer.
Tip #4: Look for Value When shopping for homes, it’s important to consider potential value. Even if you’re not planning to sell the home some time down the line, it’s a good idea to consider the future value of the home. Protect yourself against things like falling prices and gradual shifts in the nature of the neighborhood. You may not think of a new home as a means to make money, but it’s an important investment that requires caution.
Tip #5: Decide What You’re Looking For Settle on the home features that are important to you (covered parking, hardwood floors, architectural style, etc.) and make an ordered list. Having well established guidelines will help narrow down your search and will prevent you from being shown properties that lack your key amenities. It can help you make the decision not to buy an attractive property that doesn’t really fit your needs. My website has a search feature that allows you to filter thousands of listings based on attributes that you select. If you know you want a brick house with gas heat and a garage, you can get the results you’re looking for.
Tip #6: Relax You don’t have to make an offer on the first home you see. Make sure to look at other listings in the area to get a feel for the marketplace. When you decide to make an offer on a house, consult with your real estate professional so that all of your questions are answered.
Tip #7: Shop Around for Your Mortgage Deciding on the financing for your home can be as important as choosing a home itself. The first step is deciding what kind of loan best fits you: a fixed rate mortgage, or an Adjustable Rate Mortgage (ARM). There are benefits to each form of loan, and your real estate professional can provide you with more information. Next you’ll want to begin to shop around for different lenders.
Tip #8: Protect Yourself Be careful when signing a contract on a home that allows you to find financing, have the home inspected, and work through any problem areas that may arise. Paying for a quality home inspection is absolutely crucial! You can save yourself thousands in repair costs by being sure of what you’re getting into.
Get prequalified, or get preapproved?
If you’re considering the purchase of a new home, you may be concerned with the issue of finance. Attaining the right mortgage is a key step in the home buying process, but it doesn’t have to be a stress-inducing one. Most lenders offer prequalification, pre-approval or both to help you know where you stand.
Let us explain the difference between prequalification and preapproval:
Prequalification: Prequalification is a preliminary estimate of how much you can afford to pay for a home based on information you provide. Because credit and employment information aren’t validated for prequalification, it can only be considered a rough idea of a monthly mortgage payment and loan size. This can be a useful guide as you begin the home buying process, however
Preapproval: Preapproval is a written commitment from a lender to finance your home purchase up to a set amount. This indicates that the lender has taken a close look into your financial history and has agreed to lend you a specific amount of money, reliant on certain details like a finalized sales contract and professional inspection. Pre-approval indicates to sellers that you are a serious homebuyer. Regardless of which option you utilize, or even if you take both steps, you’ll be able to shop with much more confidence. Why wait until you find the perfect home to discover problems with obtaining a mortgage?