Real Estate

I want to buy a home, how do I begin?

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When you are ready to purchase your next home, whether it is your 1st home or your 5th the beginning is the same.

First, we will schedule a time to talk face to face.  I’ll have a series of questions to ask so that I can understand your goals so we can find the perfect home for you.

Examples include questions such as-

  • Do you want a house, a townhome, or condo?
  • Where would you like to be located?
  • How soon do you want to make your move?
  • Where do you live now?  Do you have to sell your current home or do you rent?
  • How large of a home would you like?
  • What must you have in your new home?
  • What would you like to have but can live without?
  •  Will you be applying for a mortgage?

These are just a few of the questions I’ll ask.  This meeting also give you the opportunity to ask me any questions you have.

Typically, our initial meeting lasts between 30-60 minutes.

Next, if you will be applying for a mortgage you will speak to a lender to get pre-approved for the loan.

I know what you are thinking- “Why do I need to get pre-approved before I find a home I like” 

We want to know what your price range is.  The lender is going to tell you how much home you can afford and what the monthly payments are expected to be.  You may qualify for an expensive home but want to buy something a little less expensive because the payment will be better on your budget.  We want to shop in your comfort zone.

Plus, when we find the perfect home we will need to act fast.  We’ll write up your offer and send your pre-approval letter to the sellers.  This shows them you are serious about your purchase and can move forward.  In today’s market sellers require either a pre-approval letter or proof of funds before they go under contract.  I would hate for you to miss out on the home of your choice because you were not prepared and someone else was.

Once we’ve outlined your criteria and you’ve gotten pre-approved the fun part begins- we start shopping!!!  I’ll send homes to you directly from the MLS that meet your criteria and you’ll probably search online too (everybody does, lol).  Once we find a few that you like we’ll start visiting them in person.

I’ll tell you more about what happens once we find your dream house in future blogs.  You can always reach out to me with any specific questions you may have or when you are ready for us to begin your home search.

Kelly Harden, Realtor®

Mihara & Associates, Inc.

913-244-8968

 

 

 

 

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