Found 4 blog entries tagged as buying.

If you are like me, you are probably anxious for the previous owner of your new piece of real estate to move out so you can get started on making your new house feel like your own. Before they move out you should consider the previous owners are experts on your new house, so be sure to take advantage of their knowledge while they are still around. Here are a few questions you might want to consider.

Where are the circuit breaker, sump pump, and other things located?

These are the type of things you usually forget are in the house until you need them. When you first have an issue with the electricity in the house, you’ll want to quickly locate the circuit breaker. The first time there is heavy rain, you’ll want to quickly make sure your sump…

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Buying a home can feel like an overwhelming transaction. Luckily, your St. George real estate agent is here to help! Here is a step-by-step guide to purchasing your next home.

  1. Research

There are several aspects of your next home to research before you even start looking. You need to figure out where your credit score is at, and what your budget looks like. You also need to research possible locations, school districts, and neighborhoods to decide where you want your family to settle. You need to decide what you need in a home, and what you’re willing to compromise on. Answer these basic questions before you do anything else.

  1. Get Pre-Approved for a Mortgage

Once you have figured out your budget and determined you have an…

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If you haven’t applied for a home loan in the last few years, things may be a little different. The financial crisis and burst housing bubble caused the Consumer Financial Protection Bureau (CFPB) to create new housing rules for borrowers and lenders. These rules won’t necessarily make loan approval more difficult, but knowing what to expect before you shop is a good idea. Here are the basics of the new rules.

Ability to Pay

The new rule is sometimes referred to as the “Ability to Pay.” Mainly, this law forces people to prove they can pay for a new home. Instead of just writing down annual salaries, which was sometimes acceptable before, borrowers have to show a proof of income. For those working regular jobs with a weekly or bi-weekly paycheck,…

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Choosing the right home for you and your family is not an easy decision. It takes a lot of time and planning to finding the perfect place. In spite of all
 this work, or maybe because of it, a recen survey showed that many homeowners regret part or all of their home buying decisions. To make sure you are happy with your home, here are six tips to keep in mind.

  1. Prioritize

Make a list of the things that are most important to you. Put them in order from most to least important. Consider what you may be willing to compromise on and what you can not. Think beyond just the house. What do you want in a neighborhood? In the local schools? Try to imagine what your ideal living situation would be and write it all down.

  1. Research

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