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Damian Gerard Realty Group13615 Mason Meadows
St. Louis, MO 63131
5 Small Steps to Home Buying
The first and most important step is to find the right Realtor. Communicate your needs and concerns so they can guide you through the process, from assisting you to determine your criteria during your home search through to walking you through the paperwork at closing.
The second is to get pre-approval for a mortgage. With current interest rates at an all time low, there will never be a better time to buy your first home, or to make a move up to a larger home, or a home in a better neighborhood.
Found your home? Before you put pen to paper, consider the resale potential of the home. Typically you will spend between 6-10 years in the home, and then you will want to move on.
Get the home inspected. A property inspection is mandatory for many types of home loans, but even if it isn't, you really should know what expenses you could be in for down the line.
Consider all the costs. Make sure that you factor in expenses like property taxes, homeowners insurance, utilities, maintenance, homeowners association fees AND your mortgage payment. The sum of all these may well affect how much of a home you can afford.
Remember, home buying can be very stressful, but the advice of a good Realtor can make all the difference.