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6 Steps to the Best Deal

 

Thinking of upgrading your home, buying a vacation getaway or investing in real estate?

Your timing couldn’t be better. In general, summer is a great time for home buyers. And this Year, in particular, you’ll find interest rates still at historic lows and home prices that have iIncreased little, if at all, in most areas over the past 12 months. However, In this buyer’s Market , you should take a few steps to help you secure a good deal on your new home.

 

1.Clean up your Credit

To get the lowest interest rates, you need good credit.So check your credit report and correct any errors. its’ important to start this early.,because clearing up mistakes can take months. For a free credit reports as well as answers to frequently asked questions.
visit annualcreditreport.com., and for a Free Credit score visit Creditkarma.com

 

2.Do your Financial homework.

Determine how much you can spend on a home before You start hunting. [Go to Mortgage Calulator]
You can also Talk to a Home Mortgage specialist to learn About a variety of mortgage programs, Including some with low down payment options.

3.Get Pre-Approved

Sellers Respond well to definite offers, so it’s better to be Pre-approved for a loan rather than simply pre-qualified. Pre-qualification gives an estimate of how much you can borrow, While pre-approval shows that you are actually approved for a Certain loan amount
.

4.Find a good buyer’s agent

A home is one of the biggest investments you’ll ever maje , So You want a real estate agent you can rely on, who has your best interests in mind. You won’t regret taking time to find an experienced buyer’s agent who represents you, not the seller.

5.Check You Comparable Sales

Once You see a home you like, ask your real estate agent about Comparable listings in the neighbourhood. It’s essential to compare prices with the other recent sales in the area to Determine if a home you’re looking at is a good deal. A Price of 210,000 may seem great until you learn that other homes on the block sold for $20,000 less.

6.Use Your Head

Buying a home is an emotional experience. You could easily lose your heart to a property and wind up making an offer you can’t live with down the road. Safeguard yourself by setting a budget and sticking to it. Also, keep a second choice in mind in case you and the seller can’t agree on a price for your first pick.