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Credit Report & Score
Before starting the home buying process or getting a mortgage, you should always check your credit and know how much you can afford. You’re allowed to receive one free credit report a year, and you can do this by going to www.annualcreditreport.com. Checking your credit report will give you, and your realtor, an idea if you’ll be able to be approved for a home mortgage, and for how much.
Typically, it’s always in your best interest to choose a buyers’ specialist, real estate agent. It’s very important you choose someone that understands your needs, makes certain recommendations, and is willing to show you as many properties as it takes until you find the right home for you. There’s many different ways to find buyer’s specialists, but most importantly, you should work with someone you trust.
Pre-qualifications are only a guess based on what you tell the lender and are no guarantee, whereas a pre-approval will give you a better idea of how much you can afford. Obtaining pre-approval from an Indianapolis home mortgage lender gives you a distinct advantage when submitting an offer on a home. Not only does it tell the seller that you’re serious and financially qualified to purchase the property, but it will look more appealing than other Indianapolis home buyers since your financing is guaranteed. But remember, just because the lender says you can afford one price doesn’t mean that’s what you should spend. Be wise, comfortable, and thoroughly examine how much you should spend on a home.
Before you start looking for homes, make a list of what you want and need. Once you know which items are musts and which ones you’re willing to give up, meet with your agent and go over your list. This way, your agent will only show you properties that meet your exact requirements. Here are a few items to consider when making your list:
- Number of Bedrooms and Bathrooms
- School Districts
- Specific Neighborhoods or City
- Proximity to work
The time has finally come in the home buying process for you to start looking for your new Indianapolis home. By now, your agent should have a strong understanding of what you’d like to see. They’ll search the available homes for sale and send you information about the ones that most closely meet your needs. The properties you’d like to see in person can have appointments set up to meet your schedule. Because your search for the perfect home may take a number of days and visits to many properties, it’s important for you to track the features of all the properties you visit.
Congratulations, you’ve found the one! The next step in the home buying process is to make an offer on that house. One of your agent’s responsibilities is to research and recommend an offering price based on comparable homes that have sold in the same area. However, because every person has a different opinion of value, or how much a home is worth to them, YOU ultimately have the final word when it comes to how much you’ll offer. After you’ve decided on a purchase price, your agent will present your offer to the listing agent. The seller may make a counter-offer to which you can also counter-offer.
Once you and the seller agree to the written terms and both of you sign, the document becomes a binding contract. Once you’ve agreed on a price, you’ll make an earnest money deposit, which is money that goes into escrow to give the seller a sign of good faith. You’ll also want to make sure that every detail is handled accurately and in a timely manner. Your agent will guide you through the process to make sure that your home closes on time.
Inspection Appraisal & Survey
Upon having sufficient interest in the property (binding contract and earnest money), home buyers can proceed with the inspection phase. However, if you’re receiving financing your future Indianapolis home, it is common for lenders to require an appraisal, survey, and home inspection. Independent contractors, skilled in each of these exclusive fields, will be booked on behalf of the mortgage lender to identify any problems and advise on the property’s value. Regardless if the lender requires these reports or not, it will be well-worth the money spent to have since it ensures the property’s structural soundness and good condition.
The final step in the home buying process is the closing. As an Indianapolis home buyer, you will present a cashier’s check to the seller, sign a document that itemizes closing costs, and pay your share of the closing costs. In return, you will receive a deed, transferring ownership rights to you. At the end of the meeting, you will likely receive the keys to your new home. At that moment, the home will be yours!
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