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Buying your first home comes with a lot of emotions and worries. Am I ready for this step? Will I be able to meet my obligations every month? Can I even qualify for a mortgage? Where will I get money for the down payment? All of these are great questions to ask yourself before you begin to look at homes.
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Once you've answered the big questions 'Am I ready' and 'Can I qualify,' it's time to take the first big step and that is getting pre-approved or pre-qualified for a home loan. There are several loan options available to fit your needs and you can get qualified through your bank, credit union or a private mortgage lender. All will ask you basic questions about your income, your debt, your spending habits and they will run your credit report. All of this information will give both you and your lender a good look at what you can afford and the type of loan to best fit your needs.
Your lender or mortgage broker will also ask about the amount of money or percentage you are able to put down toward your loan. This can be difficult for first time buyers to come up with, but there are first time home buyer programs in the state of Illinois, as well as the cities of DeKalb and Sycamore, IL to help first time buyers with this expense. Check out each page, depending on the city you are looking in, and make sure to fill out the application and provide the necessary documents as soon as possible.
Now that the loan and down payment have been taken care of, you are ready to find your first home. This is the exciting part! As many as 90% of all buyers start their home search online and I, for one, think this is the best way to get started. Sites such as Zillow, Trulia and Realtor.com offer free home search engines online and have free apps for your Android or iPhone, tablet or other device. Start here, look through homes in the neighborhoods that you want to live in and this will help to narrow down what you like and dislike.
After you've had a chance to look into the areas you're interested in and home styles that you like, contact me and we can discuss your needs and wants in a home, time line and start seeing homes. Though many homes are viewable online, they typically look much different in person and, once you see them, your preferences may change. My job is to help you figure out what are the most important features for your and your family and find you a home that you feel comfortable in and meets your criteria.
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Posted in Community Post Date 02/07/2017