如果你是一个 首次购房者 有许多很棒的程序可供你选择!
看看我们 第一次购房终极指南 获取额外的帮助和步骤!
拥有一个房子可能是你的梦想，但为了 购买 to be the happy and satisfying experience it was meant to be, you need to ensure that you are financially and mentally prepared for the responsibilities that come with it.
购买 a home in the 罗利 area has become quite the competition as the real estate market is strong. 罗利预计到2030年将增长50%.
Some people have a notion that home ownership is like renting, but with the power to have pets and paint the walls whatever color you like. 然而, while these privileges are available to homeowners in most municipalities, 他们肩负着抵押贷款的责任, 税务和家庭维护. Preparing for home ownership requires you to take critical stock of your finances and your expectations.
One of the most important aspects of purchasing a home is knowing when you're 100% ready and comfortable to move forward with homeownership. If you're not 100% ready, you should 学习 as much as you can about the process.
拥有住房一直是美国梦. When you're ready to buy a home, there's a good chance you will need to arrange and secure financing. 我们的很多客户都问‘What Do I Need To Know About Mortgages When 购买 A Home?' so we took the liberty of explaining it in a blog post.
Most people don't realize that one of the first things you should do is talk to a mortgage lender before you start searching for homes. Having a pre-approval letter shows that you're an able buyer in the minds of a seller.
Something lenders take seriously is your debt-to-income ratio. The lender wants to see that your overall debt is no more than 40% of your income and that your housing debts should be less than 32%.
Realtors® and lenders take these numbers seriously because they want to make sure you stay inside your budget. Homeownership should be a point of pride, not a financial burden.
Single family, condominium, downtown apartment, townhouse, multi-family? There's different types of home, so it's important to understand exactly what you're looking for.
你需要一个好的经纪人 and in most circumstances you wont know what a good agent is like until you interview with a few. We recommend that you don't hire the first real estate agent that you speak with, 我们的建议是学习, 学习, 了解代理能为你做什么. You will be forming a team with your agent so you want to make sure that individual is someone you work well with.
Hiring the RIGHT agent will save you thousands of dollars
You're going to want to make sure you hire the RIGHT agent - the reason being is that, hiring the right agent will save you thousands and thousands of dollars.
控制你的情绪 买房子的时候. Sometimes buyers can let their emotions overwhelm them 买房子的时候 which could lead to a frustrating home buying process. A good agent will explain to you that it is a roller coaster ride of emotions and that you should be prepared for anything. Understanding that the home in your head (the one that is the perfect home and comes at the perfect price) typically doesn't exist is important. 找到一个接近完美的家是我们的目标.
聘请优秀的房地产律师. Having a good lawyer by your side is important 买房子的时候. You're going to want to make sure it's someone you work well with. The legalities behind transferring ownership can be complicated at times, and a strong lawyer is your best defense to avoiding any future legal troubles. 好律师可不便宜. They may charge several hundred to over a thousand dollars for their services, and the money you spend on legal representation is a good expense.
提供. This is the part where we recommend our clients leave emotion at the table. Making an offer is always a fun and exciting part of the process, however until you're handed the keys to your home we suggest staying calm. Emotions can control you in the home buying process if you don't harness them correctly. 一个强大的探员会帮助你认识到这一点.
When competing in a multiple offer situation there are a lot of strategies to make your offer the most compelling. Working with a strong 房地产经纪人® will allow you to use these strategies to make your offer the most compelling even if you aren't the one paying with cash!
完成所有必要的检查. Not only is inspecting the home one of the most important parts of the buying process, it's also one of the most important parts of the negotiating process. A great home inspector will find all the problems with the home, 不要被一长串的问题吓到! Understanding that the home inspection is also your opportunity to negotiate repairs with the sellers. Maybe the shingles on the roof are blistering, or worse, their is a crack in the foundation. Do NOT skip out on home inspections as they can be one of your greatest assets 买房子的时候.
最后的预排. Walking through the home one last time before closing the deal is something we recommend for all of our buyers. You want to make sure everything is in order and that you're ready to sign the paperwork.
At 罗利 Realty we make the home buying process easy, while saving you thousands of dollars!