Karen Scopetski's Blog
Buying a home should be a fun, exciting experience, one that ends with you moving into your dream residence. However, problems sometimes can arise that prevent you from accomplishing your ultimate goal.
No homebuyer should be left in the dark, especially when it comes to navigating a competitive real estate market. Lucky for you, we're here to help you kick off your homebuying journey on the right foot.
Now, let's take a look at three tips to help you launch a successful homebuying journey.
1. Know Your Homebuying Budget
You know that you'd like to buy a house, but how much can you afford to pay for a residence? With a homebuying budget in place, you can determine exactly what you can afford.
Getting pre-approved for a mortgage enables you to enter the real estate market with a budget in hand. Many credit unions and banks are available nationwide, and each lender is happy to provide details about a wide range of mortgage options. That way, you can select a mortgage that matches your finances perfectly.
Also, don't forget to consider the costs of utilities when you budget for a home. And if you need to commute to work or school, you may want to consider your transportation expenses as well.
2. Examine the Housing Market
The housing market usually features a large collection of high-quality houses. Take a look at some of the houses that are currently available, and you can better plan for your homebuying journey.
For example, if there is an abundance of homes available in a city or town where you'd like to live, now may prove to be the ideal time to enter the real estate market. The sheer volume of residences indicates a buyer's market may be in place, so you might be able to boost your chances of acquiring an exceptional house at a budget-friendly price.
On the other hand, if homes are selling quickly in a particular area, it likely means a seller's market is in place. As such, you will need to be aggressive if you want to secure your dream residence at an affordable price.
3. Consult with a Real Estate Agent
The homebuying journey can be daunting, particularly for those who are interested in purchasing a house for the first time. Fortunately, a real estate agent can help you seamlessly navigate the homebuying journey.
A real estate agent possesses comprehensive housing market experience. He or she can share real estate insights with you to ensure you can purchase a great house that meets or exceeds your expectations.
Furthermore, a real estate agent will keep you up to date about new properties, set up home showings and negotiate with home sellers on your behalf. And if you ever have concerns or questions, a real estate agent can respond to them immediately.
Ready to make your homeownership dreams come true? Use the aforementioned tips, and you can enter the real estate market as an informed homebuyer.
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While there's a lot to be said for the value of high-tech home security systems, there are many basic, inexpensive things you can do to safeguard your home from intruders. Keeping your home secure begins with awareness, good communication, and positive habits.
Where does good communication come into play? One example is the need to have a trusted neighbor keep an eye on your home when you're out of town or away on vacation. Even if you've had the foresight to suspend your mail and newspaper deliveries during your absence, things don't always work out as planned!
When you factor in the possibility of human error, unplanned deliveries, or even power outages, it's a good idea to have a friend, relative, or neighbor check on your house when you're gone. Unexpected deliveries could run the gamut from free phonebooks left on your front steps to promotional literature placed on your doorknob or stuffed into your mailbox. And even if you don't subscribe to a newspaper, free sample issues may occasionally be left in your driveway -- often with an invitation to become a subscriber. An alert neighbor can clear away any telltale signs that no one's home. They can also notify you or the local authorities of any suspicious activity on your property.
A good rule of thumb when you're away for more than a few hours is to make your house look as if it's occupied. Even old-school techniques, like hooking up a couple indoor lights to automatic timers, can create the impression someone's home. If you happen to have outside lights on a timer or motion-detector floodlights, then that can help deter nighttime trespassers, too. Solar-powered lights which turn on when the sun goes down are another option.
In spite of good habits, like locking doors and staying in touch with neighbors, windows left open can be an overlooked security breach -- especially if you didn't leave them open, yourself! This can and often does happen in unexpected ways, like when your housekeeper decides your home smells a little stale and needs an infusion of outside air to freshen things up! Although their intent is typically helpful and good, they may be solving one problem while creating another.
The same thing could happen if you have painters or other contractors doing interior work at your home. You can address that problem by reminding them to close windows when they're done for the day. You can also leave a note to that effect. Just in case they happen to be on the forgetful side, though, it's always a good idea to follow up your reminders with your own security checks! Since other people (especially those who don't live in your house) may not be nearly as security conscious as you, it's always better to err on the side of caution!