BUYING YOUR HOME
Are you ready to buy, and can you buy what you want? Do you have a pre-approval letter or proof of cash funds available? There are many things to take into consideration when it comes to buying your 1st home, stepping up to your next or downsizing, or even investing.
Things to consider: Timing (school year, lease end date, time off to move, type of loan, 30-60 days); Do you need to sell 1st? Down payment (this amount varies depending on credit and debt to income ratio, assets…); Type of loan (this limits the type of properties- Example USDA with zero down, you can’t buy a home with major repairs or septic replacement, assumption, or ”AS IS” home. A major fixer-upper or a house where you are assuming a point of sale septic repair or upgrade can only be certain loans, and often, you can’t be your own contractor.
Let our 60+ years of experience guide you.
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