Wednesday, March 27, 2013
The Bigger Picture
If you woke you this morning.... CONGRATULATIONS!! Life is the most precious gift you will ever receive. Take full advantage of it. Be the person you want to be and pursue your dreams. Don't let fear hold you back from living your life to the fullest and breathing in everything beautiful in this life. Stop complaining about what you don't have and focus on what you do have. We all have problems and stress but that does pass. Even the pain we experience does heal. Stop complaining about how others live their life..it is exactly that.. their life. Start focusing on your own life and enjoy it. Start Really Living. Because at the end of the day if your still breathing you made it!
Sunday, March 3, 2013
Prepare to Buy Your Dream Home!
Now is the time everyone is getting ready to purchase a house. As an assistant for a real estate agent and homeowner, I have seen firsthand what is involved in getting everything in order to buy the home of your dreams. It takes some preparation to get everything in order for the adventure.
First of all always make sure your credit is in order before you can even begin the search. I would suggest speaking with a loan consultant. They can assist you with finding out if your credit is good enough to get a loan or what steps can be taken to get your credit up to par. The consultation is completely free and confidential.
Next you may want to consider what loan is best for you. Most loans require a percentage of money down. However, there are some that are 100% loans that you do not need to have any money down. Find which one works best for you and determine the amount of money you will need to set aside. Another thing I would suggest is to put enough money aside for moving expenses, earnest money, inspection costs, etc. I have always done well with putting a budget together and sticking to it.
What happens if your credit is not quite good enough to purchase a home? In this economy there are options! There are many owner finance options available including rent to own. With the owner finance situations they usually require more money down. Therefore, start saving now and start looking for what other options are available.
Do your research on the houses you are interested in and find out what their down payment is and what loans the houses qualify for. This will save you time in the long run to filter the homes that will not fit your needs. It will also give you an idea of what money you will need to put aside for the purchase.
Buying a home is an exciting adventure. To avoid speed bumps in the process make sure you get your finances in order, do your research and find what works for you. Then the search is on for your dream home.
First of all always make sure your credit is in order before you can even begin the search. I would suggest speaking with a loan consultant. They can assist you with finding out if your credit is good enough to get a loan or what steps can be taken to get your credit up to par. The consultation is completely free and confidential.
Next you may want to consider what loan is best for you. Most loans require a percentage of money down. However, there are some that are 100% loans that you do not need to have any money down. Find which one works best for you and determine the amount of money you will need to set aside. Another thing I would suggest is to put enough money aside for moving expenses, earnest money, inspection costs, etc. I have always done well with putting a budget together and sticking to it.
What happens if your credit is not quite good enough to purchase a home? In this economy there are options! There are many owner finance options available including rent to own. With the owner finance situations they usually require more money down. Therefore, start saving now and start looking for what other options are available.
Do your research on the houses you are interested in and find out what their down payment is and what loans the houses qualify for. This will save you time in the long run to filter the homes that will not fit your needs. It will also give you an idea of what money you will need to put aside for the purchase.
Buying a home is an exciting adventure. To avoid speed bumps in the process make sure you get your finances in order, do your research and find what works for you. Then the search is on for your dream home.
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