Humans have long had a love/hate relationship with ceilings. On one hand, they help to hide the structure that keeps the rain out; on the other, they can be a pain to install and maintain over.
Home Buying Process
Dated: January 11 2019
1) Get Ready for Home
Ownership Build a good credit history Get mortgage pre-approval
Find out what type of mortgages you quality for Save up for a down payment (typically 10-20% of property’s value; if FHA-qualified, then possibly less)
Consider closing costs which can include taxes, attorney’s fees, and transfer fees Consider utilities and monthly bills, such as homeowner's assessments
2) Find a Real Estate Professional
Get a referral from friends, family, and work colleagues, or search realtor.com® and look for real estate yard signs and advertisements
Ask the real estate professionals you interview about buyer's representation contracts and agreements; make sure you understand the terms
Explain your needs and expectations to the real estate professional you choose to work with
3) Find the Right Property
Determine what is important to you, such as particular schools, neighborhood amenities, monthly mortgage payment, public transportation, walkability, etc.
Make sure you include home owner’s assessments, utilities, and taxes when calculating the monthly mortgage payment
4) Finance the Property
Contact your mortgage broker or lender The lender or attorney will run a title search to ensure there are no clouds on the title Make sure you understand the financing terms—ask the lender for clarification if needed
5) Make an Offer Ensure the property is inspected by a licensed home inspector
Acquire title insurance Make sure the title is clear, or make your offer contingent upon title clearance
Read all contracts before signing—make sure you understand all of the terms, ask questions
Place a competitive bid and be prepared to make a counter-offer
Keep your credit score stable and in-check by waiting to purchase any big-ticket items until long after the closing Only one offer will result in a sale, so be prepared to move on if your offer is not accepted
6) Closing and Life After the Big Purchase
Protect your new asset by obtaining insurance such as homeowner’s, flood, disaster, and fire
Weatherproof your new home Maintain files—digital or print—for all warranties, insurance documents, contracts, etc.
Keep original closing documents in a safe place, preferably outside the home (such as a safety deposit box)
Set up utility bills in your name, maintain files Implement desired aesthetic changes such as painting, minor construction, and re-flooring
Set a move date and hire movers or plan a moving party with your friends
Get to know your neighbors and explore your new neighborhood
If you're happy with the work of your real estate professional, be sure to recommend her/him to friends and family
My name is Manny Quiros, I’m a real estate professional in the “Disney Area”, I have lived in this area since 1999 and have called this area my home and place my wife and I to raise our three wo....
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