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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!
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EVERYTHING YOU WANT IN A HOME! LOCATION - EASY ACCESS TO SHOPPING, FREEWAYS AND SCHOOLS ALL WHILE ON A CUL-DE-SAC, EAST BACKYARD, LARGE LOT, NO HOA AND MUCH MORE. THREE B...
Great opportunity to invest or fix and flip this solid built 3 bed/2 bath home with a diving pool, located on a 9k sq.ft., cul-de-sac lot. Recent renovations include: Roo...
**CALL ABOUT INCENTIVES! LGI BUYS DOWN RATE AND PAYS CLOSING COSTS!!!With three bedrooms, two bathrooms and an open-concept layout, you will love coming home to the Bisbe...
New construction NOW Available for Nov/Dec OCC! This single level 3087 SF single level 4 BR, BA with den and an inlaw suite. Exciting included features include - 10' ceil...
Up to 3% of total purchase price towards closing costs incentive offer. Additional eligibility and limited time restrictions apply. MLS#6612748 The Evergreen at Lucero Di...
TOTALLY REMODELED, CLOSE TO FREEWAYS AND SCHOOLS, BRING YOUR OFFER.
Build your custom home in this massive land of over 4 acres in the peaceful & quiet Wittmann! Forget about the hustle & bustle of the city and enjoy a nice country life h...
Welcome Home!!! This gorgeous 2 bedroom 2 bath lower lever unit at the desirable Joshua Tree in Paradise Valley is in a fantastic location. Close to restaurants, shopping...
Excellent commercial corner opportunity in a step up neighborhood. * The site is prime for gas, grocery, retail, office, and many other neighborhood supporting...
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NEW PAINT AND MORE UPGRADE, WELL MAINTAINED, CLOSE TO FREEWAYS AND SHOPPING CENTERS.
Introducing a Rare Gem in Carefree, Arizona: Your 5+ Acre Dream Building Site!Nestled amidst the breathtaking beauty of the Sonoran Desert, lies a once-in-a-lifetime oppo...
**INVESTOR SPECIAL** With a little TLC, this home can be transformed into something really special and has been priced below market value. Home features 5 bedrooms, 3.5 ...
Enjoy pure elegance with a well-planned, luxurious open floor plan. Pride of ownership shines throughout this gorgeous 3-bedroom, 3-bath in a gated 55+ master plan commun...
Discover the epitome of modern luxury living in this exquisite two-bedroom, two-bathroom condo. The heart of this home boasts an 11-foot kitchen island adorned with stunn...
Prime Multi-Family Development Opportunity located near Country Club and Southern. This listing consists of 2 parcels and there are 2 duplexes on the property. 2 units ar...
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The only custom lot currently available in Trilogy at Verde River! The lot backs to hole 6 and the front of the lot faces hole 5 of the 18 hole private golf course. In ...
New Construction COMING SOON!! Nestled perfectly in the sought after city of San Tan Valley. Adorable 4 bedroom 3 bathroom home with a 2 car garage plus storage. Our Ash...
The right NEW home, the perfect location! Almost Move-In Ready! Popular location close to 101 & 51, fantastic restaurants/shopping! Arabella features a beautiful, gated c...
***SELLER FINANCING AVAILABLE*** Luxurious, highly upgraded condo with sleek contemporary cabinets to the ceiling & Bertoli countertop with waterfall island. Extra wide i...
Expansive 2-bedroom plus den home boasts a generous split floor plan, providing privacy and flexibility. The enormous kitchen is a culinary enthusiast's dream, perfect fo...
Don't miss out on this opportunity to own over an acre of land with a brand new shared well to build your own home. Last few lots left with established neighbors; 216th ...
Sub dividable up to 3 lots. 4.41 Acres. Power and roads on site. Mostly flat. Ready to subdivide and resale or build a home. Site built or manufactured homes are acceptab...
Updated 4 Bed 2 Bath Home With 2 Car Garage In North Phoenix Ready For A New Owner! New Vinyl Laminate Flooring and Carpet Throughout - Updated Kitchen With New White Cab...
Prime Multi-Family Development Opportunity located near Country Club and Southern. This listing consists of 2 parcels and there are 2 duplexes on the property. 2 units ...
Discover the charm of La Terraza at the Biltmore, an inviting opportunity to call one of Arizona's most desirable locations home.Upon entry you'll find a charming spiral ...
QUICK MOVE-IN! It's the Topaz floor plan with 4 bedroom, 3 baths and 2.5 car tandem garage. Multi slide door at nook that leads out to the extended covered patio. Pave...
Gorgeous Upgraded Home with Stunning Mountain Views!Nestled in the highly sought-after Preserve at Boulder Mountain.The kitchen boasts granite countertops,full tile backs...
Welcome to your beautiful full-time or Part time home in Ventana Lakes in NW Peoria. This home is 3 bedroom 2 bath, 2 car garage, open floor plan with dining area. Beauti...
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Looking for that move in ready starter home? Look no further, here she is!! Come see this neat, well-maintained home ready for a new family to take over and build your ...
Experience your own Garden of Eden in this stunning single-story 3 BD, 2.5 BA home on approximately 14,495 SF lot. Boasting mature fruit and shade trees, three different ...
Fantastic opportunity to own this charming 3-bed, 2-bath home conveniently located on a spacious corner lot! Displaying a mature landscape, front porch, & a sided 1-car g...
Manufactured Home 2br 2ba on 2.5 acres. Mountain views, in last 2 years new PEX hot and cold water lines, stem wall. plumbing updated in the kitchen and bathrooms, carpet...
MLS#6612660 December Completion! The 55-RMRV2 is a single-story home featuring 3 bedrooms, 3 baths, a flex and a 14' x 39' RV garage! The kitchen, gathering room, and d...
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