{"id":14886,"date":"2017-07-13T16:04:12","date_gmt":"2017-07-13T16:04:12","guid":{"rendered":"https:\/\/web3.ezmedia.ca\/wilbri\/?p=14886"},"modified":"2019-05-28T13:13:29","modified_gmt":"2019-05-28T13:13:29","slug":"are-you-first-time-home-buyers","status":"publish","type":"post","link":"https:\/\/web3.ezmedia.ca\/wilbri\/are-you-first-time-home-buyers\/","title":{"rendered":"Are you First Time Home Buyers?"},"content":{"rendered":"

25 Tips for First-Time Home Buyers<\/h2>\n

Buying a home can be nerve wracking, especially if you\u2019re a first-time home buyer. Not only is it probably the biggest purchase of your life, but the process is complicated and fraught with\u00a0unfamiliar\u00a0lingo and surprise expenses.<\/p>\n

To make the first-time home buying journey a little less stressful, NerdWallet has compiled these 25 tips to help you navigate the process more smoothly and save money.<\/p>\n

1. Start saving for a down payment early<\/a><\/h3>\n

It\u2019s common to put 20% down, but many lenders now permit much less, and first-time home buyer programs allow as little as 3% down. But putting down less than 20% may mean higher costs and paying for private mortgage insurance, and even a small down payment can still be hefty. For example, a 5% down payment on a $200,000 home is $10,000. Play around with a\u00a0<\/a>down payment calculator<\/a>\u00a0to help you land on a goal amount. Some tips for saving for a down payment include setting aside tax refunds and work bonuses, setting up an automatic savings plan and using an app to track your progress.<\/p>\n

2. Check your credit<\/h3>\n

When you\u2019re taking out a mortgage loan, your credit will be one of the key factors in whether you\u2019re approved, and it will help determine your interest rate and possibly the loan terms. So\u00a0check your credit<\/a>\u00a0before you begin the home buying process. Dispute any errors that could be dragging down your credit score and look for opportunities to improve your credit, such as making a dent in any outstanding debts.<\/p>\n

3. Pause any new credit activity<\/h3>\n

Any time you open a new credit account, whether to take out an auto loan or get a new credit card, the lender runs a hard inquiry, which can temporarily ding your credit score. If you\u2019re applying for a mortgage soon, avoid opening new credit accounts to keep your score from dipping.<\/p>\n

4. Determine how much home you can afford<\/h3>\n

Before you start looking for your dream home, you need to know what\u2019s actually within your price range. Use a\u00a0home affordability calculator<\/a>\u00a0to determine how much you can safely afford to spend.<\/p>\n

5. Explore your down payment options<\/h3>\n

Struggling to come up with enough money for a down payment? First-time home buyer programs\u00a0are plentiful, including federal mortgage programs with Fannie Mae and Freddie Mac that allow loans with only 3% down, plus Federal Housing Administration loans and Veterans Affairs loans. You could also try crowdfunding or asking if family members are willing to pitch in with a gift.<\/p>\n

6. Research state and local assistance programs<\/h3>\n

In addition to federal programs, many states offer assistance programs for first-time home buyers with perks such as tax credits, low down payment loans and interest free loans up to a certain amount. Your county or municipality may also have first-time home buyer programs.<\/p>\n

7. Budget for closing costs<\/h3>\n

In addition to saving for a down payment, you\u2019ll need to budget for the money\u00a0required to close your mortgage, which can be significant. Closing costs generally run between 2% and 5% of your loan amount. You can shop around and compare prices for certain closing expenses, such as homeowners insurance, home inspections and title searches. You can also defray costs by asking the seller to pay for a portion of your closing costs or negotiating your real estate agent\u2019s commission.<\/p>\n

8. Set aside more money for after move-in<\/h3>\n

Sorry, that\u2019s not all you need to save up for before home shopping. Once you\u2019ve saved for your down payment and budgeted for closing costs, you should also set aside a buffer to pay for what will go inside the house. This includes furnishings, appliances, rugs, updated fixtures, new paint and any other touches you\u2019ll want to have when you move in.<\/p>\n

9. Consider what type of property to buy<\/h3>\n

You may assume you\u2019ll buy a single-family home, and that could be ideal if you want a large lot or a lot of room. But if you\u2019re willing to sacrifice space for less maintenance and extra amenities, and you don\u2019t mind paying a homeowners association fee, a condo or townhome could be a better fit.<\/p>\n

10. Research mortgage options<\/h3>\n

Is a 30-year, fixed rate mortgage a given, or is another loan type right for you? If you can afford larger monthly payments, you can get a lower interest rate with a 20-year or 15-year fixed loan. Or you may prefer an adjustable-rate mortgage, which is riskier but guarantees a low interest rate for the first few years of your mortgage.<\/p>\n

11. Compare mortgage rates<\/h3>\n

Many homebuyers get a rate quote from only one lender, but this often leaves money on the table.\u00a0Comparing mortgage rates<\/a>\u00a0from at least three lenders can save you more than $3,500 over the first five years of your loan, according to the Consumer Financial Protection Bureau. Get at least three quotes and compare both rates and fees.<\/p>\n

12. Decide if paying points makes sense<\/h3>\n

Lenders often allow you to buy discount points, which means prepaying interest upfront to secure a lower interest rate. There may also be an option for negative points, in which the lender pays some of your closing costs in exchange for a higher interest rate. How long you plan to stay in the house is one of the key factors in whether buying points makes sense. You\u2019ll need to do some calculations or speak to a mortgage broker\u00a0or loan officer to help you decide if buying points is worth it for you.<\/p>\n

13. Get a preapproval letter<\/h3>\n

You can get prequalified, which simply gives you an estimate of how much a lender may be willing to lend based on your income and debts. But as you get closer to buying a home, it\u2019s smart to get a preapproval, where the lender thoroughly examines your finances and confirms in writing how much it\u2019s willing to lend you and at what terms. Having a preapproval letter in hand makes you look much more serious to a seller and can give you an upper hand over buyers who haven\u2019t taken this step.<\/p>\n

14. Hire the right buyers agent<\/h3>\n

You\u2019ll be working closely with your real estate agent, so it\u2019s essential that you find someone you get along with well. The right buyers agent\u00a0should be highly skilled, motivated and knowledgeable about the area.<\/p>\n

15. Stay under your\u00a0preapproval\u00a0limit<\/h3>\n

As your agent shows you homes, look for properties that cost a little less than the amount you were approved for. While you can technically afford that amount, it\u2019s the ceiling \u2014 and it doesn\u2019t account for a broken washer or dryer or any other expenses that arise during homeownership, especially right after you buy. Rather than maxing out that amount, set a lower purchase budget to leave yourself wiggle room for unexpected costs.<\/p>\n

16. Pick the right neighborhood<\/h3>\n

Finding the right neighborhood is just as important as locating the right house. Research the schools, even if you don\u2019t have kids, since that affects a home\u2019s value. Look at local safety and crime statistics. How close are the nearest hospital, pharmacy, grocery store and other amenities you\u2019ll use? Also, drive through the neighborhood on various days and at different times to check out traffic, noise and activity levels.<\/p>\n

17. Make the most of an open house<\/h3>\n

Use this as another opportunity to scope out the neighborhood and your potential neighbors. During the open house, pay close attention to the home\u2019s overall condition and look for any smells, stains or items in disrepair. Ask a lot of questions about the home, such as when it was built, when items were last replaced and how old key systems like the air conditioning and the heating are. If several other potential buyers are viewing the home at the same time as you, don\u2019t hesitate to schedule a second or third visit to get a closer look and ask more questions.<\/p>\n

18. Buy a home for tomorrow<\/h3>\n

It\u2019s easy to look at properties that meet your current needs. But if you plan to start or expand your family, it may be preferable to buy a larger home you can grow into. Consider your future needs and wants and whether this home will suit them.<\/p>\n

19. Let little things go<\/h3>\n

When you\u2019re looking at a home, it\u2019s easy to get caught up on superficial details like paint color, fixtures and carpets. These features are easy to change once the home is yours, so don\u2019t let those little details get in the way.<\/p>\n

20. Be prepared to compromise<\/h3>\n

It\u2019s rare to find a house that\u2019s perfect in every way, so think carefully about what you\u2019re willing to compromise on and what you\u2019re not. Perhaps no walk-in closet in the master bedroom is a deal breaker, but an outdated guest bathroom will be tolerable until you can renovate it.<\/p>\n

21. Make a strong offer<\/h3>\n

Your real estate agent can help you with this, but consider how much under or over the asking price you\u2019re willing to pay to obtain your dream home. If there are multiple bids, think about tactics to win over the seller, such as a personalized letter.<\/p>\n

22. Avoid a bidding war that blows\u00a0your budget<\/h3>\n

In a competitive real estate market with limited inventory, it\u2019s likely you\u2019ll bidding on houses that get multiple offers. When you find a home you love, it\u2019s tempting to make a high-priced offer that\u2019s sure to win. But don\u2019t let your emotions take over; stick to your purchase budget to avoid getting stuck with a mortgage payment you can\u2019t afford.<\/p>\n

23. Negotiate<\/h3>\n

A lot can be up for negotiation in the homebuying process, which can result in major savings. Are there any major repairs you can get the seller to cover, either by fully handling them or by giving you a credit adjustment at closing? Is the seller willing to pay for any of the closing costs? If you\u2019re in a buyers market, you may find the seller will bargain with you to get the house off the market.<\/p>\n

24. Buy homeowners insurance<\/h3>\n

Before you close on your new house, your lender will require you to buy\u00a0homeowners insurance. Shop around and compare rates to find the best price. Look closely at what\u2019s covered in the policies; going with a less expensive policy usually means fewer protections and more out-of-pocket expenses if you file a claim. Be aware that your insurer can drop your property if it thinks the home\u2019s condition isn\u2019t up to snuff, so you may have to be prepared to find a new policy quickly if it sends someone out to look at the property and isn\u2019t happy with what it finds. Also, flood damage isn\u2019t covered by homeowners insurance, so if your new home is in a flood-prone area, you may want to buy separate flood insurance.<\/p>\n

25. Know the limits of\u00a0a home inspection<\/h3>\n

Once your offer is accepted, you\u2019ll pay for a home inspection to examine the property\u2019s condition inside and out. But not all inspections test for things like radon, mold or pests, so be sure you know what\u2019s included. Make sure the inspector can access every part of the home, such as the roof and any crawl spaces. Attend the inspection and pay close attention. Don\u2019t be afraid to ask your inspector to take a look \u2014 or a closer look \u2014 at something and ask questions. No inspector will answer the question, \u201cShould I buy this house?\u201d, so you\u2019ll have to make this decision after reviewing the reports and seeing what the seller is willing to fix.<\/p>\n","protected":false},"excerpt":{"rendered":"

25 Tips for First-Time Home Buyers Buying a home can be nerve wracking, especially if you\u2019re a first-time home buyer. Not only is it probably the biggest purchase of your life, but the process is complicated and fraught with\u00a0unfamiliar\u00a0lingo and surprise expenses. To make the first-time home buying journey a little less stressful, NerdWallet has […]<\/p>\n","protected":false},"author":93,"featured_media":14884,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"off","ocean_gallery_id":[],"footnotes":""},"categories":[2,39],"tags":[48],"class_list":["post-14886","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-vancouver-island-comox-valley-home-buyer-info","tag-comox-valley-home-buyer-info","entry","has-media"],"yoast_head":"\nAre you First Time Home Buyers? - Brian Willis<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/web3.ezmedia.ca\/wilbri\/are-you-first-time-home-buyers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Are you First Time Home Buyers? - Brian Willis\" \/>\n<meta property=\"og:description\" content=\"25 Tips for First-Time Home Buyers Buying a home can be nerve wracking, especially if you\u2019re a first-time home buyer. 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