Even if you've purchased before, review the current laws in property location. Use an impartial, knowledgeable resource. Verify the information!
Overestimating income or underestimating costs hurts you and your family. Getting a "good deal" is not the most important aspect of buying a home. Safe, affordable housing is really the bottom line for you and your family.
Real estate laws are complicated and laws vary by state. Are you willing to spend the time to read and know what you are signing? Get qualified, impartial representation to make sure your interests are being protected.
Financing your home doubles the cost of your home over time, even when you have a good credit score. If you have a poor credit score, it is significantly more. Repair your credit before you buy!
Pre-qualification will set parameters and establish a level of affordability. Stay within your budget. Live on that budget while you search for a home to test it. Plan for unforeseen emergencies. It's a part of life.
This requires additional expertise. Call us for specific information to prevent problems from arising later.
This is the beginning of a big, long term commitment.
A wedding or relationship commitment is only the beginning of a family. Lots of hard work follows to build a solid relationship. Buying a house is only the beginning of building a home. Don't expect everything at once! Work together and achieve your goals over time. It will mean more and you will stay healthier financially.
There will be many unforeseen expenses along the way. Some will be pleasant. Review your budget and adjust where necessary. Get professional help to give you an unbiased review and suggestions for improvements or solutions. Find out what information you will need for tax purposes and maintain those spending records in an organized manner.
This is the time to review your planning budget to make sure it is accurate. Avoiding a problem will only make it larger later. If you are not able to balance it with the new expenses, seek professional guidance for ways to get on track. The faster you get help, the less help you will need.
You are not alone! For every crisis, there have been people who have successfully resolved it. Finding a solution works best when you seek help and do not remain isolated. Isolation is the dream killer. Everyone experiences crisis in their lives. Some have developed problem solving skills, but even experienced problem solvers need to learn new skills. Having a crisis does not make you a bad person. Be willing to learn something new!
There are many types of help and helpful resources. Some will tell you what you want to hear. Others will tell you what you need to hear. Be brave enough to get the quality of help that you need. Anything can be resolved. Be wise enough to reach out and develop the best solution for you.