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Before getting a mortgage or any kind of loan, you should always check your credit. According to the law, you're allowed to receive one free copy of your credit report per year. You can do this by visiting Annualcreditreport.com. Scores range from approximately 300 to 850; generally, the higher your score, the better loan you'll qualify for. Don't forget to check your report for errors. If there are any, dispute them. It may help your credit score. You can also check your credit score for free at www.creditkarma.com.
You can calculate how much you can afford by starting online. There are several online mortgage calculators that will help you calculate an affordable monthly mortgage payment. Don't forget to factor in money you'll need for a down payment, closing costs, fees (such as fees for an attorney, appraisal, inspection, etc.) and the costs of remodeling or furniture. Remember that you don't always have to put down 20 percent as your parents once did. There are loans available with little to no down payment. An experienced home loan expert can help you understand all your loan options, closing costs and other fees.
To find the right mortgage lender it’s best to shop around. Get recommendations from your friends and family and check with the Better Business Bureau. Talk to at least three or four mortgage lenders. Ask lots of questions and make sure they have answers that satisfy you. Make sure to find someone that you are comfortable with and who makes you feel at ease.
Once you have the right mortgage lender, make sure you at least get a pre-approval. Qualifications are only a guess based on what you tell the lender and are no guarantee, whereas a pre-approval will give you a better idea of how big a loan you qualify for. The lender will actually pull your credit and get more information about you. However, you could even take it one step further by getting an actual approval before you start home shopping. That way, when you're ready to make an offer, it will make the sale go much quicker. Besides, your offer will look more appealing than other buyers since your financing is guaranteed.
Make a list of the things you'll need to have in the house. Ask yourself how many bedrooms and bathrooms you'll need and get an idea of how much space you desire. How big do you want the kitchen to be? Do you need lots of closets and cabinet space? Do you need a big yard for your kids and/or pets to play in?
Once you've made a list of your must-have's, don't forget to think about the kind of neighborhood you want, types of schools in the area, the length of your commute to and from work, and the convenience of local shopping. Take into account your safety concerns as well as how good the rate of home appreciation is in the area.
Now that you've found the home you want, you have to make an offer. Most sellers price their homes a bit high, expecting that there will be some haggling involved. A decent place to start is about five percent below the asking price. You can also get a list from your real estate agent to find out how much comparable have sold for. Once you've made your offer, don't think it's final. The seller may make a counter-offer to which you can also counter-offer. But you don't want to go back and forth too much. Somewhere, you have to meet in the middle. Once you've agreed on a price, you'll make an earnest, which is money that goes in escrow to give the seller a sign of good faith.
There are many different types of mortgage programs out there, but as a first-time home buyer, you should be aware of the three basics: adjustable rate, fixed rate and interest-only.
Adjustable rate mortgages (ARMs) are short-term mortgages that offer an interest rate that is fixed for a short period of time, usually between one to seven years. After that, the interest rate can adjust every year up or down, depending on the market. These are good for people who don't plan on living in their home very long and/or are looking for a lower interest rate and payment.
Fixed-rate mortgages are more traditional and offer a fixed interest rate (and thus a fixed monthly payment) for a longer period of time, usually 15 or 30 years, though they're available in 20 or 25 year terms. These are good for people who like a predictable payment and plan on living in their home for a long time.
Both fixed and adjustable rate mortgages can have an interest-only payment. What this means is that for a certain amount of time during the loan term, you're allowed to pay only enough to cover the interest portion of your payment. You can still pay principal when you wish, but don't have to if your budget is tight. There is a myth that with interest-only mortgages, you don't build equity. This is not necessarily true, since you can build equity through home appreciation. The benefit to interest-only mortgages is that you increase your cash flow by not paying principal.
Remember to ask your mortgage lender or mortgage banker lots of questions about which mortgage is right for you and your situation.
Make sure you get a home inspection before you close. It will be well-worth the money spent since it ensures the property's structural soundness and good condition.
Setting the closing date that is convenient to both parties may be tricky, but can certainly be done. Remember that you may have to wait until your rental agreement runs out and the seller may have to wait until they close on their new house.
Be sure you talk to your mortgage banker to understand all the costs that will be involved with the closing so there are no surprises. Closing costs will likely include (but are not limited to) your down payment, title fees, appraisal fees, attorney fees, inspection fees, and points you may have bought to buy down your interest rate.
You've got your mortgage, closed the deal and now it's time to move in! Whether you use a mover or not is up to you, depending on your financial situation and how much stuff you have to move; perhaps also, whether you have a lot of friends willing to help you move. Either way, you're done with the home buying process! Just start unpacking and start enjoying your first home! Buying a home for the first time doesn't have to be a hassle if you're prepared and you know what to do and when to do it. Choose an experienced home loan lender and a friendly, knowledgeable real estate agent-they are the key to helping you have a smooth home buying experience!
Prime lot , conveniently located close to the heart of the city. This expansive lot spans 17,883 square feet and presents an exceptional opportunity for development. Zone...
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Remodeled home in a super convenient location, freeway three minutes away, RV gate for work or new toys, corner house, large back yard, fully remodeled kitchen, newer roo...
Turn Key Ready home awaits you! This home has been well taken care of by sellers and ready for new owners to enjoy. 3 bedrooms and 3 FULL bathrooms. Master bedroom is ove...
his is a to be built listing, this home is ready for personalization and can be built on your choice of homesite. This is an advertisement of our base price for this elev...
Boutique building right in the heart of Old Town Scottsdale. This contemporary loft style studio has stainless steel appliances, concrete countertops, floor to ceiling wi...
This top of the line property has it all. GATED COMMUNITY located within the popular Estrella Mountain Ranch with all it's amenities - community pool and exercise ameniti...
This is a to be built listing, this home is ready for personalization and can be built on your choice of homesite. This is an advertisement of our base price for this ele...
Location, location, location! This Cul de Sac home has SOOO much potential.. dream home is within reach! This 5-bed (one full bedroom & bathroom downstairs!), 3-bath home...
Nicely remodeled 2BR/2BA home in an active 55+ community. Home has an added bonus room that can be used for another bedroom, home office, she den or man cave. Stainless...
LOCATION, LOCATION, LOCATION!! Don't miss this 1 bedroom, 1 bath unit with a gorgeous view of the pool courtyard and located just steps from the elevator and dining room!...
Tee box #2 on the Duke Golf Course is your gorgeous view from the balcony of this beautiful home on a Cul de Sac. Privacy with golf course views, mountain views, and Ariz...
This is a to be built listing, this home is ready for personalization and can be built on your choice of homesite. This is an advertisement of our base price for this ele...
BEAUTIFUL, quaint 3-bdrm, 2.5 bath townhome w/ 2 Car Garage and backyard space for pets. Centrally located with close proximity to the Loop 101, Interstates 51 & I-17, an...
This is a to be built listing, this home is ready for personalization and can be built on your choice of homesite. This is an advertisement of our base price for this ele...
This is a to be built listing, this home is ready for personalization and can be built on your choice of homesite. This is an advertisement of our base price for this ele...
Adorable, spacious, single level home with four large bedrooms! Multiple living spaces include a spacious great room and a family room. Eat-in kitchen features large Gr...
Experience the perfect blend of comfort & outdoor enjoyment in this wonderful residence in Mesa! This beauty provides a 2-car garage, RV gate, & NO HOA. Inside, you'll lo...
Welcome to this Continental Santiago Spanish style home designed by renowned architect Bob McIntyre who designed the iconic Tlaquepaque in Sedona. This home is located ne...
The absolute biggest lot in Tierra del Sol. The west side of the lot is 47' by 91' and the east side is even longer. Scrubery all along the Eat, South and West sides of t...
New Construction!! Nestled perfectly in the sought after city of San Tan Valley. Adorable 1-story home with 3 bedrooms, Den,2 bathrooms and a 2 car garage. Ashton Woods o...
New Construction!! Nestled perfectly in the sought after city of San Tan Valley. Adorable 2-story home with 4 bedrooms, 3.5 bathrooms, large den and a loft, with a 3 car ...
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Revel with incredible views from this immaculate and remarkable 14th floor condo in Optima Biltmore! Step inside to find brand new modern hard surface floors throughout l...
Welcome to this inviting 4 bedroom 3 bath home in the highly desirable Sweetwater Ranch Manor. This property has an inviting courtyard a private back patio and plenty of...
One of TWO Irrigated 3.9 Acre Parcels just south of I-8 with grandfathered water rights! LESS THAN HALF PRICE PER ACRE OF ANY IRRIGATED LAND LISTED OR SOLD IN THE LAST YE...
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Located in San Tan Valley, this adorable single story, 2178 square foot residence boasts a meticulously designed living space. Crafted with a keen eye for both style and ...
Nestled in the city of San Tan Valley, the exterior exudes curb appeal with its Spanish façade and desert landscaped front yard. Step through the front door into a welcom...
Great pie shaped lot waiting for you to build your custom home on this 1.7 acres in Val Vista Estates. Incredible mountain and city light views. Electric and water on the...
Up to 2% of total purchase price towards closing costs incentive offer. Additional eligibility and limited time restrictions apply. MLS#6679006 August Completion! ntr...
Welcome to your DreamHome with 3 bedrooms, 2 baths and a ton of amazing features! Step inside the custom front gate and entry door w/custom etched glass into the spacious...
Welcome home! Beautiful 2-bed, 2-bath manufactured residence looking for its new owner! Discover an L-shaped great room for entertaining, wood-look floors, and neutral pa...
Up to 2% of total purchase price towards closing costs incentive offer. Additional eligibility and limited time restrictions apply. MLS#6678990 The Paisley is a 2-stor...
INCREDIBLY PRICED HOME ON A VERY LARGE LOT, QUIET INTERIOR LOCATION & BEST OF ALL, LOW SPACE RENT OF 689!! UPDATED WOOD LAMINATE FLOORS, BRIGHT WHITE KITCHEN, FRESH PAIN...
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Like New! This 3 bedroom 2 bathroom home was built in 2020 and is in immaculate shape. Home has a large 3 car garage, neutral colors throughout, open concept kitchen and ...
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Come See This Pristine 1 Bed 2 Bath Rare Front Kitchen. Kitchen Features More Cabinets Than You Can Fill, Tons Of Windows & Front Kitchenett. Huge Dining Room W/Built In...
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Up to 4% of total purchase price towards closing costs incentive offer. Additional eligibility and limited time restrictions apply. MLS#6678963 The Adelaide in Stoneh...
Madera at Sultana brought to you by America's largest private builder in 2023. Easy access to the 24 Freeway and nearby shopping destinations. A blend of rural charm and ...
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