Homes For Sale Port Saint Lucie
Port St Lucy Real Estate
PORT ST LUCIE REAL ESTATE AT http://www.MELISSACONRAD.net
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| FIRST
TIME HOMEBUYER - GETTING STARTED |
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| You dream of a home. Your dream home.
How exactly do you get from one to the other? I have tried to
organized the facts right here in an easy-to-follow format. I
remember what it was like not to know ARMs from amortization or
title searches from expense ratios. Breathe easy. I've translated
useful information and will walk you through the entire process.
Before you know it, you'll be ready to cross the threshold to
your very own home.
Making Up Your
Mind
Getting Started
Home Shopping
Mortgage Types
When you Find
a Home
The Home Stretch
Your Rights as a Consumer
Dive into the classifieds? Drive around the neighborhoods? What's
the best way to start the homebuying process? First of all, you
may want to do some prep work before you start shopping. These
topics can save you lots of legwork and may help you find a home
that's right for you and your budget.
Your financial profile ... more >>
How much house can you afford? ... more >>
Finding an agent ... more >>
Your Financial Profile
As soon as you've decided you want to buy a house, make certain
you have a clear picture of your financial situation. Consider
the following steps:
- Get a credit report to make sure there are no discrepancies
or problems in your credit history. Find out how credit scores
work and how you may be able to correct errors in your credit
report, if there are any.
- Do an analysis of where your money comes from and where it
goes.
- Develop a household budget for your current situation. Stick
to it.
- Determine how much home you can afford.
- Analyze how a house purchase will affect your budget.
- Try not to add on any new debt. Since mortgages are based
on debt to income ratios (the amount you pay out monthly versus
the amount you bring in) new debt could throw the ratios off
and make a previously approved mortgage unobtainable.
How much Can you
Afford
To determine this here are some items you'll need to give to your
mortgage lender:
- Current monthly loan payments.
- Other monthly expenses (childcare, dues, etc.).
- Records of variable expenses from the last 12 months (utilities,
food, car repair, etc.).
- Records of annual or semi-annual expenses (insurance, taxes,
etc.).
- Records of other non-fixed expenses for the last year (medical
expenditures, etc.). This will give you an estimate of average
expenses of this type.
- Records or an estimate of personal expenses (entertainment,
travel, etc.).
- Having a current copy of your credit report can be very helpful
and may reveal any inaccuracies in your credit history, and
may also give you a clear picture of your total debt and your
monthly obligations. Be realistic. Make provisions for possible
increases in some items ( school tuitions, insurance, taxes,
etc.). Then look for ways to get and keep control over your
budget.
Finding an Agent
The relationship between a homebuyer and his or her buyer's agent
must be based on trust, mutual goals and understanding. The homebuyer
entrusts the buyer's agent to always keep his or her interests first
and foremost.
Some things to look for in an agent
- An understanding of your needs
- A willingness to work with you until your needs are fulfilled
- Professionalism
- A familiarity with the neighborhoods you like
- Experience with the price range in which you have an interest
- Strong references from previous buyers
Where to find an agent
Be aware
that if you search for homes first and contact the agent who has
a particular property listed, that agent will represent the seller
in the majority of cases -- not you.
The market is changing!
Dont lose out with an amateur!
I can help you with one of your
most
important investments,
YOUR HOME!
Melissa
Conrad, REALTOR®
Committed
to Life Long Superior Service!
Melissa@MelissaConrad.net
Direct: 772-240-2589
Coldwell Banker Residential
Real Estate
1973 SW Savage Blvd
Port St Lucie, FL 34953
DIRECTIONS HERE >>
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