Many homeowners worry about their property?s long-term value. They worry about whether the house will be worth more when they choose to sell in 20 or 30 years rather than going down in value. Here are some suggestions on buying real estate.
Ask your real estate agent how long she has lived in town when you are interviewing her to represent you. If they haven?t been on the job or in the area for that long then they won?t be as up to speed on local restrictions, roads, and schools as someone else would. If it can be done, try to locate a Realtor who is ultimately familiar with the neighborhood, because they have made a long term home there.
A period of uncertain employment is really not the best time for you to look at purchasing a home. When you put your John Hancock on the mortgage paperwork, the responsibility of making the monthly payments is on your head, regardless of any changes in circumstances. If your work situation is somewhat uncertain, make sure that you have enough money saved to be able to make at least 3 months worth of payments, in the event that you don?t have a regular income.
So you have decided to look for a home to purchase, but now you need to find a qualified real estate agent. It is important to find an agent that is trustworthy. An agent with a proven record can guide you properly. Remember to research properly so your best interests are always at the agent?s heart.
Mortgage companies typically charge a minimum down payment, and you want to be sure you can cover it in its entirety. You otherwise will need to pay for private mortgage insurance. That will add more money you need to pay every month to prove to the bank you can pay your mortgage.
You can request that the seller help out with closing costs or sweeten the deal with other financial incentives when you make your offer on the house you have in mind. For example, you could ask for a seller to buy down your interest rates for a limited period of time. If there are financial incentives added into the offer, it?s much less likely that the seller will focus on renegotiating the selling price.
Most home buyers don?t realize that buying a house is so complicated. Use this advice when buying property.
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Source: http://www.customphoenixhomes.com/archives/1371
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