현재 아리조나(Arizona)가 미주에서 가장 핫한 주택시장중 하나로 꼽히는 가운데 미국에서는 매일 14,000개가 넘는 집들이 팔린다고합니다. 집을 사는것이 삶에 있어서 가장 보람되고 스트레스를 받을수있는일이기는 하지만 서둘러서 집을 사게되면 길게 봤을때 후회를할수있습니다. 그래서 시간을 갖고 집을 사는 과정들을 미리 파악할 필요가있습니다.
원하는 집을 찾으러 가기전에, 얼마까지 지불할 능력이되는지 먼저 알아야하는데 가장 좋은 방법은 모기지회사로 부터 pre-approval을 받는것입니다. 그리고 그전에 신용기록을 꼼꼼히 확인하고 신용에 문제점을 찾으면 대출을 신청하기전에 고쳐야합니다. 신용기록에 문제가 있다면 등급을 떨어트릴 위험도 있고 거래 최종 과정중에 걸림돌이 될수도있기 때문입니다.
Pre-approval을 받고난 다음에는 지불가능한 금액에 맞춰 원하는 지역에 집을찾기 시작합니다. 얼마나 큰집을 원하는지 어느위치를 원하는지 구체적으로 리스트를 작성하면 부동산 에이전트가 쉽게 맞는 집을 찾을수있게 도움을 줄수 있습니다.
맘에드는 집을 찾으면, 오퍼를 넣어야 하는데 융자대출을 받고 집을산다면 모기지회사가 집의 전체적인 상태를 확인하기위해 점검을 요구합니다. 만일 문제가 발견되서 거래를 중단시켜야 할만한 큰문제가 아니라면 고쳐야할 부분들은 에이전트를 통해 셀러와 협상하고 오퍼를 넣어 집을살수있게 잘 마무리를 합니다.
집을살때 알아야할 과정들을 미리 알고 에이전트의 도움과함께 잘 계획한다면 원하는 집을 사기 더욱 쉬워질수있습니다.
More than 14,000 homes are sold in the United States every day. Buying a home is one of the most rewarding and stressful experiences you will have in life. Rushing through the home buying process can result in long-term problems and regret.
This is why taking your time and learning the steps to buying a house is properly. The more you know about the home buying process, the easier you will find it to get the home of your dreams for a good price.
Are you attempting to buy a home for the first time? If so, consider the helpful information below.
Checking Your Credit Score and Applying For a Mortgage
Before you go out in search of a new home, you need to figure out how much you can afford to spend. Rather than being unsure about this important information, you need to have a definite number. The best way to get this information is by getting pre-approved for a home loan.
Taking the time to look at your credit report before applying for a home loan is a wise move. Without this information, you run the risk of being denied the loan you need to purchase a home. As you look at your credit score, your main goal needs to be finding errors and getting them corrected.
These errors can lower your credit score, which can lead to real estate transactions not going through. Being prepared for the loan application process can help you get the favorable outcome you desire.
Assess What Type of Home You Need
Once you have an idea of what you can afford to spend on a residence, you will need to start looking at the homes for sale in your area. Making a list of the features you are looking for in a home can help you narrow down the selection of available homes. Having detailed information about how big your new home needs to be, where you want it to be located and how big you want the yard to be is crucial.
If you are working with a real estate agent, handing over your list of home features is crucial. With this list, your real estate agent can easily find you the right homes to look at.
Getting a Home Inspection
When you find a home you love, it will be time to make an offer on it. If you are buying a home with the help of a mortgage loan, your lender will require an in-depth inspection of the property.
This inspection will allow you to find out information about the overall condition of the home. If problems are found during the inspection, you will have to decide if they are deal-breakers. If the home checks out, then you can make an offer and hopefully buy it.
Follow These Steps to Buying a House
Using the steps to buying a house mentioned in this article can be helpful. With proper planning and the help of a real estate professional, finding the right home will be easy.
Are you looking for more information about buying a home? If so, check out the rest of our website.
