Top 10 Things You Must Do When Buying a Home

1. Assess Your Finances
   Review your credit score, monthly income, and debt-to-income ratio to determine your purchasing power.

2. Set a Budget
   Decide how much you're comfortable spending, factoring in not just the home price but also property taxes, insurance, and maintenance.

3. Get Pre-Approved for a Mortgage
   Shop around for lenders, compare interest rates, and secure pre-approval to strengthen your offer and show sellers you're serious. If you would like a list of lenders, email me at homebuildingkaren@gmail.com and I can recommend a few lenders. 

4. Research Neighborhoods
   Look into school districts, crime rates, commute times, and local amenities to find an area that fits your lifestyle.

5. Hire a Real Estate Agent (Most Important)
   A knowledgeable real estate agent is your advocate, guiding you through the process, negotiating on your behalf, and ensuring you don’t overlook critical details.

6. Make a Wish List
   Prioritize your needs and wants in a home, such as the number of bedrooms, outdoor space, or proximity to work.

7. Review the Contract Carefully
   Understand the terms of your purchase agreement, including contingencies and deadlines, before signing.

8. Schedule Home Inspections
   Once you’ve made an offer, hire a licensed inspector to check the property for hidden issues that could cost you later.

9. Save for Closing Costs
   Be prepared to cover additional expenses like appraisal fees, title insurance, and attorney fees at the closing table.

10. Plan for Move-In Day
    Coordinate utilities, moving services, and any immediate renovations or repairs before you settle in.

By focusing on these steps, especially partnering with a skilled real estate agent, you’ll be well-equipped to navigate the home-buying process with confidence!