Buying

The home buying journey begins with a choice. Buying a home is a significant financial and emotional decision. Take your lifestyle, financial stability, and future plans into account. Remember, homeownership comes with responsibilities beyond just the mortgage payment. If you're ready for the commitment and stability that come with owning a home, then you're ready to dive into the process. The upside? Home ownership is the number one tool for wealth building in the United States.

Before hitting the market, it's important to understand your financial position. Start by reviewing your credit score, savings, and debt-to-income ratio. Establish a budget that includes not only the purchase price but also closing costs, moving expenses, and future home maintenance. Get pre-approved for a mortgage, as this will give you a clear understanding of what you can afford and make your offer more attractive to sellers.

Once your offer is accepted, the house goes under contract and you enter the due diligence period. This involves getting a home inspection, finalizing your mortgage application, and possibly negotiating repairs. This phase requires patience and flexibility, but your real estate agent will guide you through each step, ensuring that no detail is overlooked.