- Know your score. The higher your credit score, the easier it will be to secure financing and a reasonable interest rate. Figure it out here.
- Set a budget. You’ve scrimped and saved for that down payment, but it’s also a good idea to make sure your budget covers additional long-term costs, like property taxes, any homeowners association or condo dues and insurance.
- Get pre-approved. A pre-approval letter from a lender shows that you mean business and gives you a budget. Plus, an Owners.com agent can help you find a lender through our preferred providers.
- Start your search. Want hardwood floors or a shorter commute? You got it. Our preference-based tool personalizes your search beyond the basics. You’ll see the houses that best fit your needs first, so you don’t miss your dream home.
- Tour homes. Click “Schedule a Tour” on any property page to connect with an experienced, local Owners.com agent. They’ll give you a closer look at your favorites, no strings attached. After your tours, your agent will send you personalized recaps, so you don’t forget the details.
MAKE AN OFFER
- Decide on an amount. Avoid going too low or too high with your offer. Your agent can help you find the sweet spot to make sure you’re keeping up with the competition while staying within your budget.
- Move quickly. Contemplate too long and another buyer could swoop in.
CLOSE THE DEAL
- Decide who will handle your closing. The requirements for who oversees your closing vary depending on your state. An Owners.com agent can refer you to a preferred provider who can make your closing simple..
- Schedule an inspection and appraisal. An appraisal assures your lender that the home is worth the price, and an inspection will alert you to any problems, so you can re-negotiate your offer to cover repairs.
- Do a final walk-through. Doing so allows you to check the house one last time and make sure everything looks good.
- Sign on the dotted line. A closing attorney can assist you, and your Owners.com agent can point you toward someone through our preferred providers. During the closing, you’ll sign documents to transfer ownership of the house, pay closing costs and any escrow fees, and get the keys. You did it. Congrats, homeowner!
For more helpful resources and information, visit our Advice page.
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