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Deciding to purchase a home is a major decision for you and your family. You are doing the right thing by beginning with research. At Certainty Home Loans, we want to set our borrowers up for success, which is why our consultants are on hand to help you with your home buying considerations. Our experience in pairing thousands of families like yours with their dream homes has put us in a unique position to help you from the start. Here are some good indicators that you are financially ready to purchase a home:
• A steady or reliable source of income such as a job or savings/investments
• Regular employment or reliable source of income
• A record of paying loans or bills without default
• Long-term income to debt ratio makes it manageable to meet fixed and unexpected expenses
• Money available for down payment and the ability to pay a mortgage and home insurance each month Begin by identifying what is important to you and your family.
First, identify a general geographic location that will suit your lifestyle. Location considerations include the logistics surrounding work commutes, school districts, and outdoor space. Next, look at what your home should provide you. How many bedrooms and bathrooms would be ideal? Do you need office or entertaining/guest space? Are you interested in construction a home, a move-in ready home, or a fixer upper? Next, meet with your Certainty Home Loans representative to lay the foundation for your loan. He or she will help you determine a feasible home budget based on your financial situation and goals. It is important to begin the home-buying process with your budget in mind. If you are a fan of the home-buying shows on networks such as HGTV, you’ve probably noticed that people always begin with the end in mind and shop only those homes that are close to their lifestyle and budgetary goals. Understanding your financial capabilities before you beginning your house hunt is essential and can only benefit you. You will be able to appropriately narrow your search, and you may quickly find out that when you are pre-approved for a home loan, you will likely move to the top of the list when multiple buyers are interested in a home and time is a factor for the seller. After researching neighborhoods or homes that meet your criteria, make an appointment with your Realtor® to view a few homes. Take your time, ask questions, and take photos (if permissible) in order to “revisit” the top homes on your list.