A Beginner’s Guide To Buying Your First Home
Homeownership can be one of the most rewarding experiences in your life. However, getting ready to buy your first home is a big deal. It involves a lot of preparation, saving, and legwork. By thinking through your individual needs and wants, saving up, and positioning your finances, you can successfully get through buying your first home and make the most of your money.
However, before you start shopping around for a mortgage and a house, read through this Beginner’s Guide to buying your first home. As an expert, Christine Gazzola, Sales Representative Re/Max Garden City Realty Inc, wants to give you solid advice, so you understand the important aspects of buying a home. This guide should help take some of your stress away during the home buying process.
Do your research: To understand mortgages and the mortgage process, make sure to do a bit of research. You can look through information available online, speak to banks, mortgage brokers, realtors, family, and even friends who have gone through the home buying process. They should be able to enlighten you about the mortgage and home buying process.
Hire a mortgage professional: See which fits you the best, a bank or a mortgage broker. Banks are less personal and don’t always fit your requirements. A bank can only offer you fixed or variable offers within the confines of the products they have. On the other hand, a mortgage broker can search out to thirty plus lenders and find the mortgage product that best suits your needs and circumstances. Mortgage brokers will respond to you after hours and even on weekends, unlike a nine to five Monday to Friday banker.
Work with professionals you trust: Having great professionals to guide you while buying a house is a must. A terrific real estate agent, lawyer, and home inspector can be the difference between a great buying experience and possibly a not-so-great one.
Sort out your credit: Your credit score is a huge factor in getting approved for a mortgage. You need to pay off your credit card debt, ensure all your bills are paid on time, and you have sufficient cash left over to pay installments on your mortgage. Purchasing a home is not the same as buying a pair of shoes. You need to plan, prepare and anticipate. Nothing worthwhile ever comes easy. But, ensuring you have a good credit score is vital for getting the mortgage product you prefer.
Advice From The Pros
Listen to your gut: Once you get past the pretty accessories, you need to understand that you require good bones. A great agent will help you realize what to look for and see past the fluff while simultaneously not pushing you into something that’s not the right fit for you just because they are getting a commission.
Get in touch with me: Call me, Christine Gazzola! I would be happy to help you through the process of buying your first home. I can coach you through it all. With more than fifteen years of experience in the real estate industry, I have the patience and expertise needed to turn your dreams into a tangible new address for you!
If you are looking for a professional real estate agent in the Niagara Region, reach out to me at Christine Gazzola, Sales Representative Re/Max Garden City Realty Inc. I look forward to demonstrating a level of dedication that will lead to exceptional results. I am committed to connecting great people with great homes! I love what I do and “who” I do it for. My success in real estate is dependent on building great relationships, one person at a time. As a token of my appreciation for putting your trust in me, I like to contribute to the community, and I have donated a portion of every home sold to the children’s miracle network to help out children at Mac Kids Hospital. I offer real estate services for all your buying and selling needs across Fonthill/Pelham, St. Catharines, Welland, Niagara Falls, Niagara On The Lake, Lincoln, Grimsby, Port Colborne, Jordan, And Vineland. To learn more about the services I offer, please click here. To get in touch with me, please click here.