Local Buying Tips

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Consejos de compra local

STEPS TO PURCHASING A HOME; as your Realtor, I am ready to guide you along the way.

Determine your budget and how much you can afford.

Get pre-approved for a mortgage.                                               

When applying for the mortgage you’ll most likely need to furnish:

 Two most recent pay stubs.

 W-2 forms for the past two years.

 Federal tax returns for the past two years.

Last two months bank statements.

Long-term debt information such as credit cards, auto loans etc.

 

Pre-approved vs. Pre-qualification

•Pre-Approved: confirmation the lender will give you a commitment to support your purchase.
 
•Pre-Qualified: an estimate of what you can afford.

To estimate your budget, add up your total financial worth and then subtract all the cost in the purchase.

Being Pre-approved makes you a more attractive candidate to a seller when making an offer.

 

Some expenses you may carry:

Down payment

Mortgage

Insurance

Taxes

 Points

 Attorney’s fees
 
Before you search for your dream home, some things you should consider:

Size of property

Type of neighborhood you desire

Quality of school system

Nearby public transportation

Urban or suburban

As your Realtor, I can show you every home available on the market that meets your specific needs. I am always here to help.