Home Buying Guide Pdf -

As a buyer, having a Realtor is usually free (the seller pays the commission). They handle the paperwork, negotiations, and scheduling.

Your bank will send an appraiser to ensure the home is actually worth what you’re paying. home buying guide pdf

Distinguish between "needs" (3 bedrooms, good school district) and "wants" (granite countertops, hardwood floors). Phase 3: The Search & The Offer As a buyer, having a Realtor is usually

Once the deed is recorded, the house is officially yours. If yours is under 620, consider a few

A higher score equals a lower interest rate. If yours is under 620, consider a few months of "credit repair" before applying.

Look past the paint colors and staging. Check the age of the roof, the HVAC system, and the "vibe" of the neighborhood at different times of day.

This is the final deep dive into your finances by the lender. Pro tip: Do not make any large purchases (like a new car) or open new credit cards during this time! Phase 5: Closing Day