Buying a home can be a very complicated process, so here is a check list to help you determine if you are ready to buy a home. By following this checklist, you can be prepared to act when the perfect home comes along.
Below is an outline of each of the steps:
- Step 1: Get Educated. Take a home buyer education course to make sure you are ready to buy a home read about all the expenses in not only owning a home but buying one as well (closing costs, taxes etc0)
- Step 2: How Much Can You Afford? Create a budget with a mortgage payment that is comfortable for you.
- Step 3: Get Pre-Approved. Contact a lender for a loan pre-approval to confirm how much you can afford.
- Step 4: What Kind of Home to Buy? Make a list of features you need and want in a home. This is where I come in. let us sit down together and discuss what kind of house you want. Drop me a line and lets get started!
- Step 5: Shop for a Home. Take your time, look at many homes, take notes and ask questions. Ok this is the fun part and I can show you many homes in your price range right in Prince George!
- Step 6: Make an Offer. I will work with you to submit a signed proposal specifying the purchase price, terms and conditions to the seller.
- Step 7: Get a Home Inspection. A home inspector will examine the home’s condition and alert you to any issues that may be present. This is not something to be ignored! There are a lot of great inspectors in Prince George and it can save you a lot down the line!
- Step 8: Apply for a Mortgage Loan. Shop around for a reputable lender and a loan product that works for you.
- Step 9: Get Homeowners Insurance. Homeowners insurance is required by your lender to protect your home from hazards like fire, storms and floods.
- Step 10: Close on Your Home. Closing day is when the seller receives the funds and you receive the deed and keys to your new home!
Nothing gives me a greater joy then the day you move into your dream home and the keys are given to you! Let’s make it happen! Contact Denise Dykes today!
