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Finance > Insurance > Home Insurance4 Questions To Ask Before Buying A Home Part - I
Posted by brokerleonardfields in Finance on May 23rd Preston Smith Jersey , 2018


Whether you’re a first-time homebuyer or a seasoned real estate investor, buying a home is a an exciting process. However, there’s also a lot to consider when you decide to buy. So before you begin your search for the perfect property, here are four questions you should ask yourself.


What do I want?


Take the time to figure out what type of property you want to buy. From single-family and multi-family homes to condos and co-ops, there are many different options on the market and it’s important to choose the type that best fits your needs. Figuring out the town or neighborhood you want to live in is equally important. While a property might have all of the amenities you’re looking for, factors like crime rate and proximity to highways can impact the overall home-owning experience. A good idea is to list out and prioritize your needs (e.g. large backyard, great school system) before you begin your search.


What can I afford?


The rule of thumb is that you should never spend more than 30% of your monthly income on a mortgage payment. An alternate rule states that you can afford to buy a property that runs about two-and-a-half times your annual salary. For a more tailored look at what you can afford Brandon Scherff Jersey , use an online mortgage calculator to see what your monthly mortgage payments would be if you bought a home today.




Am I financially prepared?


A few months before you start searching for a home, review your credit history and make sure it is in good standing. Get copies of your credit report, ensure that it’s accurate, and fix any issues you discover. It’s likely that you’ll also want to get pre-approved for a home loan, which will put you in a better position to make a serious offer once you find the right property. Pre-approval from a lender is based on your credit history, debt, and income.




How do I make the best bid possible?


Do your research! Your opening bid should be based on the sales trends of similar homes in the area. So before making your opening bid Montae Nicholson Jersey , get online and review the selling prices of comparable properties. If these properties sold for less than the current asking price of the home you’re looking at, you can feel comfortable make a bid that’s slightly lower than what the seller is as

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