If you’ve decided that you’re ready to buy your dream home, you might be ready to call a realtor and start looking at homes right away. However, when purchasing a home, you want to make sure you have all your ducks in a row to ensure that you don’t face any unnecessary delays. Here are some things you should do before looking for your forever home.
Fix Your Credit Report
As many as 1/3 of Americans have found an issue on their credit report. You should check your report before you start looking at homes because you don’t want to find that error when the lender runs your credit. Even having one erroneous account on your report can negatively affect you and cause you to pay thousands more in interest than you should.
You should also take the time to get as many negative items as possible off your credit report. If you have paid off an item on your credit report, contact the creditor and ask them if they’ll remove the item. Even a few points difference in your score can significantly affect your final mortgage payment.
Know What You Want
Most real estate transactions Keyser WV can take two to three months to complete without complications. However, if you don’t know what you’re looking for in a home, it can easily take triple that. Before looking at homes, make a list of your must-haves, and consider everything. You’ll likely want a fenced-in yard if you have kids and pets. Additionally, having a large kitchen will be a requirement if you cook every day and enjoy entertaining. Once you know exactly what you want in a home, your realtor can find you the perfect one.
Because you’ll be working closely with them while you find and purchase a home, you want to ensure that you get along with your realtor. So, never go with the first one you come across online. Meet with them, ask for their work history, and see how you feel about them. If you don’t like something about them, move on to the next one.