Tips for First-Time Home Buyers

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Buying a home is one of the largest financial commitments a person can make, so it's critical for first-time buyers to make informed decisions about their investment. Here are some tips for first-time buyers to make the process easier:

Define your wants versus your needs before beginning your home search. It will make the process less overwhelming. Check your credit rating, especially if you will be applying for a mortgage. Straighten out errors that could hold up loan approval, and postpone large credit purchases. Investigate the neighborhood to find schools, places of worship and other servives you may require. Be an informed buyer and check with your real estate agent about restrictions specific to your neighborhood; deed restrictions, inclduing exterior maintenance, lawn care, fencing, etc. Always have a home inspection. Attend all property inspections, be aware of environmental concerns and ask questions. Ask the sellers to provide a home warranty to cover unexpected surprises after settlement. Choose a REALTOR who is an Accredited Buyer Representative (ABR). They have the expertise to guide you through the entire home buying process. Don't rush. You might overlook property flaws in the excitement of buying a home, or in the rush to lock in a good interest rate. Think through the process to avoid making choices you will regret in the future.