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Buying a Home?
Let The Goss Team help you
Find Your Dream
Home
Whether you've spent years saving and
preparing to buy a home, or are unsure if you can afford it, the questions
surrounding a house purchase can feel endless.
You can find the answers - and peace of mind - by working with RE/MAX, the
industry leader in experience and service.
Here are some tips to help you become your own landlord.
Hire a real estate professional.
The first step is to select a professional to help you find your dream home
and fine-tune your financial expectations. Working with a buyer agent is
worth consideration since he or she is legally responsible for representing
the buyer's interest in a real estate transaction. Before making a
decision, however, have a Realtor explain the pros and cons of using a
buyer agent versus a sales or dual agent. Your RE/MAX Associate can guide
you through every step to buying a home.
Shop for mortgage rates and terms.
A difference of even half a percentage point can mean a huge savings over
the life of a loan. For example, the difference in the monthly payment on a
$100,000 mortgage at 8 percent vs. 7.5 percent is about $35 per month. Over
30 years, that's $12,600.
Pre-qualify for a loan.
Your third step should be to get prequalified, which determines how much
you can afford. It allows you to move swiftly when you find the right home,
especially when there are other interested buyers. It also indicates to the
seller that you are serious and really can afford to buy the property.
Define what you want.
The next step is to create a realistic idea of the property you'd like to
buy. What features are most important to you? Make two lists: one of the
items you can't live without and one of the features you would enjoy.
Refine the lists as you house hunt. It is also helpful to search online to
see what is currently available on the market. Your real estate
professional can then show you houses that meet your expectations.
Visit properties.
Now you're ready to visit houses. Ask your RE/MAX Associate, Brian Goss, to arrange
showings, and keep track of the properties you've seen.
Know the features that help or hurt resale.
In some areas, a swimming pool actually detracts from a home's value and
makes it harder to sell. In neighborhoods with two-car, attached garages, a
single-car or detached garage may impact the home sale and future value.
Your RE/MAX professional can point out features that hurt or help resale
value.
Rate the houses you tour.
After touring each home, write down what you liked and didn't like. Develop
a rating system that will help narrow the field down. For example, pick the
house you like best on day one and compare all other houses to it. When you
find a better one, use the new favorite as the standard.
Make an offer.
Once you've pinpointed your dream house, it's time to get serious about the
financial and contractual side of the purchase. Your RE/MAX Associate will
be a strong advantage since you and the seller have different goals.
Arrange for a home inspection.
After your offer is accepted, set up a home inspection. It's common to find
problems, including leaky roofs, cracked walls, insect infestations and
foundation problems. Your real estate professional can help find a
reputable inspector, and will negotiate to get you the most for your money
once the inspector's report is final. If you negotiate repairs as part of
the purchase, ask for a "walk through" before finalizing the paperwork. Ask
your real estate expert about home protection plans, which may save you
money in the near future.
Close.
Before your closing date, make sure you've made all necessary deposits and
completed the paperwork - including mortgage, title, homeowners insurance
and any other paperwork required by local or state governments.
Prepare for life in your new home.
Before rolling out the welcome mat, consider some moving basics: arranging
for an alarm company, turning on electricity, water and gas, cleaning or
replacing the carpet, and notifying your local post office of your new
address. The best time for renovations is often before you move in.
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warranted.
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The Goss Team Members are Licensed to do business in the State of Florida.
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The RE/MAX franchise network is a global real estate system of franchisee
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RE/MAX affiliates lead the industry in professional designations,
experience and production. RE/MAX International is an Equal Opportunity
Employer and supports the Fair Housing Act.
 REALTOR®
-- A registered collective membership mark that identifies a real estate
professional who is a member of the National Association of REALTORS® and
subscribes to its strict
Code of Ethics. Inquiries regarding the
Code of Ethics should be directed to the board in which a REALTOR® holds
membership.
Equal
Housing Opportunity
Copyright © 2006 The Goss Team. All rights reserved.
Revised: February 06, 2006
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