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Step-by-Step Guide to Purchasing A Home

Purchasing a home, especially for a first time homebuyer, can be overwhelming, confusing and quite stressful. It is imperative that you have a strategic plan for purchasing a home. I am sure you’ve heard the saying that a person who doesn’t plan plans to fail, right. Well when it comes to investing in real estate you can bet your bottom dollar that if you do not do the proper planning you may end up in a financial world wind that can be quite catastrophic setting you back to square one. The beautiful perfect home you purchased has become you’re achilles heel which is now underwater with negative equity. Which places you in an awkward upside down loan. Since no one wants to live hand to mouth proper financial planning is imperative.

Step One:

Determine if this is the right time in your life to purchase a home, if so
then start getting your finances in order. Start by evaluating your spending habits each month. Consider a spread of 3-5 months of spending to assist with determining your spending behavior. If your spending fluctuates then use a span of 6-12 months and determine an average of your spending. Determine how much of your monthly income is put towards savings 5% of your monthly income should consistently be put to savings even after you’ve moved into your new home. Now determine how much home you will feel comfortable paying for each month (include maintenance, taxes and insurance).

Step Two:

Determine what type of home you want and the area of town where you would like to live. When considering condos, town homes or single family’s homes figure out what features are important and what you are willing to sacrifice. What type of amenities are you looking for in your neighborhood (i.e. where is the nearest grocery store and pharmacy). How far are the medical facilities? Where are the parks and recreation centers? Where will my children attend school?

Step Three:

Once you are ready to make a commitment to purchase and take advantage of all the benefits that come with home ownership (taxes and equity), get pre-approved for a mortgage loan through a qualified lender before you go out with your agent.

The mortgage lender will let you know how much you will be able to finance through a loan. A mortgage lender will also assist with determining what your down payment will be and an estimate of closing cost.

Step Four:

Find a competent real estate agent who is willing to work on your behalf and guide you through the home purchasing and negotiation process.

Ready To Sell Your Home?

When you’ve made the decision that you want or need to sell your home and move onto the next phase in your life there are a few things that you should consider.

Wisdom-Do Your Research

Can you afford to sell your house and purchase a new home? If the answer is yes then I suggest that you move forward. When you are ready to put your house on the market one of the first questions you have to ask yourself is do you have the time and resources to market your own property. If not then you should hire a competent real agent who is a part of an international team that continues to expand its presence around the world.

RE/MAX Executive & The Team at Carolina Southern Homes Realty

RE/MAX has a global footprint and has the time and resources to accomplish the goal of selling your home. The RE/MAX brand is recognized in more countries than any other real estate company. Putting a sign in your yard is not always enough. Your home will not only have international exposure through our MLS and Carolina Southern Homes Realty website but it will also be marketed in local magazines, which also has a web presence (i.e. South Park, Charlotte Living and Homes & Land). Our web-design at Carolina Southern Homes is consumer friendly enabling use on all devices (phone, tablets etc.).

Pricing Your Home

It is crucial that you hire a Brokerage firm that is familiar with what is going on locally and globally. One, which is competent and will stand it’s ground when negotiating the best price for your home and knows how to advise you during this process.

In any market it is imperative that you price your home competitively. Pricing your homes competitively entails pricing it so that the right buyer will see it. If a buyer is within a certain price range and your home is over priced then by the time you finally price your home correctly you’ve lost several qualified buyers. Not only did you lose buyers but now you risk the chance of receiving below market value for your home because it’s been on the market for so long. Another important factor to consider is that if your home is overpriced and you receive a contract from a buyer on your home it will not appraise causing frustration and anxiety for everyone involved in the transaction.