When you’re ready to buy a new home in North Texas, be sure you look at a new home for sale in Light Farms Celina TX. Light Farms is a master-planned community twenty minutes north of Dallas that will make you feel like you’ve gone back to a time when neighbors knew and cared about each other, kids could walk safely to school and life seemed to move at a slower pace. But before you start your search for a new home for sale in Light Farms Celina TX, there are a few steps you must take to prepare:
1 – Home For Sale In Light Farms Celina TX: Get Your Finances In Order
Specifically, you must make sure your credit score is as high as you can get it. Generally, the higher your credit score, the lower your house payments will be. Scores above 750 are preferable and scores below about 660 will ensure that your mortgage payments will be higher. Get your credit reports to make sure they’re accurate and try not to open new credit accounts in the year leading up to your home search.
2 – Light Farms Celina TX: Save For A Down Payment
Depending on your credit score and the kind of financing you want to secure, you could pay anywhere from 3 percent to 20 percent down on a home. Additionally, you’ll have closing costs that can often run into the multiple thousands of dollars. You won’t want to miss out on buying a home you want because you don’t have enough money for a down payment.
3 – House For Sale In Light Farms Celina TX: Build Up Your Savings
Building up your savings not only makes you look like a low credit risk to mortgage lenders, it also gives you a cushion in case you need to put money into your home, especially in an emergency situation. If you need a new roof or air conditioner or you just want a big, deluxe deck on the back of your home, your savings can make it a reality.
4 – Light Farms Development Celina TX: Get Pre-Approved For A Mortgage
It’s imperative that you get pre-approved for a mortgage before you step foot in even one home. Getting pre-approval not only ensures that your lender will back you up when it’s time to sign on the dotted line (or lines), it will also give you a number to work with. Pre-approval means the lender will give you a set amount that they will loan you; so when it’s time to shop, you won’t waste your time looking at homes that exceed that dollar amount.
5 – New Home For Sale In Light Farms Celina TX: Buy A House You Like
If you expect to live in North Texas for some time, make sure you buy a house you like and that you’ll want to live in for many years because moving can be very expensive. When you’re house hunting in Light Farms, finding a home you like is easy. The hard part will be narrowing down the choice of great homes to just one.
If you’re ready to start your home search for a new home for sale in Light Farms Celina TX, call Blair Taylor, at(972) 457-3008 or visit us online at www.blairtaylor.net to learn more about living in Light Farms.
New Home for Sale in Light Farms Celina TX
3810 Clearlight Rd.
Celina, Texas 75009
Photo Credit: DepositPhotos.com @ Feverpitch