Buying a home is always an exciting prospect: touring different houses and finding that perfect place. The home buying process can also be very confusing, especially for a first-time home buyer. Getting a great realtor will make the whole process smooth and help you avoid problems. And did you know that there are two very important things you need to do before you start looking at a new house for sale in Light Farms, Celina TX?
Check Your Credit Report
In the last blog post, I discussed the wisdom of getting pre-approved for your home loan. There’s also an important precursor to getting pre-approved that should happen even before you start looking at new houses for sale in Light Farms Celina TX. Yes, I’m talking about your credit report. It’s something easily forgotten in your busy life, but it’s crucial when home buying time comes around. Be sure to check your credit report well before you start the process for loan pre-approval. If there are any problems or discrepancies in your credit report, you want plenty of time to get those issues resolved beforehand. A high credit score and pristine credit report will not only make it much easier to get pre-approved; it will also help you get the best possible mortgage rate…which means money saved. There is nothing more stressful than having avoidable credit report problems pop up during the home buying process.
Budget for Hidden Costs
I’ve talked about the need to get all your finances in order before you begin looking at houses. It’s important to curtail your large purchases, and then decide what your budget is for home purchase. Unfortunately, you can still run into problems if you haven’t budgeted for the hidden costs that always accompany home buying. Avoid the rookie mistake of only considering the purchase price of your prospective home, and take into account the cost of utilities, fees, insurance and taxes. Those costs can start to pile up, what with things like homeowner’s insurance, future repairs, escrow costs, appraisal costs, property taxes and the cost of moving. You don’t need to get overwhelmed by all of the different hidden costs; just plan ahead, budget and be prepared.
Your search for a new house for sale in Light Farms Celina TX can be an incredible experience. With the proper preparation and a knowledgeable realtor like Blair Taylor, you can find your dream home with confidence. Call (972) 393-9664 or visit www.blairtaylor.net to start your home-finding adventure.
New House for Sale in Light Farms Celina TX
3810 Clearlight Rd.
Celina, Texas 75009