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First-time Home Buyers

Everyone dreams of owning his or her own home. For first time home buyers, finding and purchasing the right home is an exciting, yet anxiety filled experience. However, if you know what to expect during the home buying process you will be more relaxed and comfortable.

Having helped thousands of first-time home buyers find their ideal starter home, the following list I prepared will help any buyer through all aspects of the home purchasing experience.

Understand Your Budget

Before the house hunting process begins, it is important to know how much you can afford. Expenses to consider include the down payment, monthly expenses, property taxes and any home insurance costs. These will all have to be considered before the first time home-buying process begins, as they are typically included in your new monthly payment.

Since a person’s credit score determines their interest rate, knowing your score ahead of time can help you decide if now is a good time to buy or not. An individual’s debt-to-income ratio must also fall within acceptable limits of the home’s cost. Once you have determined these things, and if you feel that your budget has enough room to afford a new home, then it is time to begin the home-buying process!

The following links will be helpful when trying to determine what budget constraints you may have.

  • Credit Report
  • Home Buying Tips
  • Mortgage Calculator
  • Understanding Debt-to-Income Ratio

The Loan Process: Get Pre-approved First

When looking for a loan, be sure to get more than one loan quote to get the best interest rate and loan terms for your mortgage. Different banks and companies will offer different loan origination fees and by shopping around you can often times save yourself a lot of money. Be sure to also check your loan officer’s website for testimonials and information. A good loan officer will offer you many online resources and tools.

Before you lock your rate, be sure to check the daily rate with the rate your loan officer gives you to ensure you are getting the lowest rate possible. Interest rates will determine how much a mortgage will cost each month and come in fixed or adjustable terms.

Mortgage lengths can range from 15 years to 30 years with some loan providers now offering 40-year mortgages as well. The longer the repayment term, the lower the payments will be. However, the interest accrued will also be higher on a longer loan.

Below are a few sites that will help you to find the best loan possible.

  • Looking For The Best Mortgage
  • Mortgage Shopping Worksheet
  • Mortgage Shopping Guide
  • First-time Buyer Mortgage
  • Shopping For A Loan

Find a Home

Once you have been pre-approved for a mortgage and you know what amount your bank has approved you for, it is time to find your dream home. First, you need to find an experienced, dependable and knowledgeable Realtor. Not just any Realtor will do.

Make sure you have an expert Realtor who has been around for a while and is familiar with the area you are moving to. A well-seasoned Realtor often times has seen many of the homes in your area on the market before and can help you spot a potential money pit before you buy it. Ensure that you make a list of needs and wants taking into consideration the amount of bedrooms you will require now and in the future, amenities, location and asking price.

Remember, the first home you visit might be beautiful, but you should visit many homes before making a final decision. If you are a first-time home buyer and want an experienced and knowledgeable Realtor by your side, feel free to call me anytime at 954.415.5595.

  • Find a Home For You
  • How to Choose The Right Home
  • Tips For Choosing a Home

Making Your Offer

There is an art to making an offer on a home.

Typically, sellers place their home’s value a little higher than their desired price. A buyer will send in a lower bid, in a reasonable range, and the seller will counter with an offer somewhere in the middle.  Your Realtor will be watching for signs of problems in the home and will make suggestions to you regarding the offer. Listen to them closely as this is their business and they do it every day.

The average buyer only buys a home once every seven years or so. An experienced Realtor will be able to help you negotiate a lower price that sometimes includes concessions or closing costs. Their job is to protect you in the contract.

  • Offer and Acceptance Questions and Answers
  • The Negotiation Process
  • Tips on Offering a Lower Price

Home Inspection Process

Getting a home inspection is a vital part of the home buying process. These inspections ensure that the home’s foundation, roof, air conditioners, electrical system, walls, plumbing and entryways are up to certain standards.

It is extremely important to protect yourself by getting a home inspection right away. You typically have 10-15 days from an accepted offer to get the home inspected. Many buyers have been saved from disaster by taking the time to spend the extra $300 – $500 to get a home inspection only to find out the house has major problems allowing them to back out of the contract before it is too late.

  • Home Inspection Frequently Asked Questions
  • Inspection Checklists
  • Question and Answers on Home Inspections
  • Why You Need a Home Inspection

Insurance For Your Home

Lenders normally require that you insure your home. Home Insurance Policies cover the costs to fix any major damage that might occur to the home. The price of this insurance is dependent on a home’s age, location, value, and the insurance company you choose.

Be sure to call around and get several quotes. Agents will oftentimes be able to take your information over the phone and get back to you the same day with a quote. Once you choose a company to insure your new home, the cost of that policy is normally added into your closing costs and sent into an escrow account to be paid to the insurance company directly the first year.

  • 10 Things You Should Know About Purchasing Home Insurance
  • Homeowners Insurance
  • How to Choose a Policy
  • Information on Homeowners Insurance
  • Mortgage Escrow

The Closing Process

Before the home is legally transferred to you, the closing process must occur. During this phase, you will sign all of the mortgage documents, pay closing costs, and sign various other legal documents.

Once all of the papers are signed, the keys to your new home are yours! The only thing left to do is move into your humble abode.

  • Loan Closing Guide
  • Understanding Closing Costs

Next Steps for First-time Home Buyers

The current real estate market offers great opportunities for first-time home buyers. Whether you are searching for the perfect starter home, townhouse or condominium, I would love to help you through the exciting experience of purchasing your first property.

You can browse active real estate listings here on my website or call me directly at 954.415.5595 to learn more about how to get started.
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Talk to Jon Klein Right Now!

Have a question? Give us a call at (954) 415-5595, or you can click my photo for more options to call or email and we will contact you right away.
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Why You Need to Work With a Parkland, Florida Real Estate Professional

When you’re looking for the perfect home for sale in Parkland, it pays to have a local expert by your side. Parkland Realtor® Jon Klein will help you find homes that meet your needs, arrange showings, and help you negotiate with the seller so you get the best possible price on your dream home.

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Talk to Jon Klein Right Now!

Have a question? Give us a call at (954) 415-5595, or you can click my photo for more options to call or email and we will contact you right away.

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Your Parkland FL REALTOR®

Parkland FL REALTOR®Jon Klein, REALTOR®, P.A.,GRI
954-415-5595 Direct
954-449-9325 Office
954-827-0464 Fax
jon@jonklein.com
5691 Coral Ridge Drive
Coral Springs, FL 33076

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