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Making the Right Choices When Selecting a Home

Are Your Making the Right Choices
How do you know if the choices you are making are good ones that are backed-up by solid statistics and accurate information? If you are a novice investor or feel you lack negotiating expertise, you will need some help. At this stage, choosing a good agent becomes very important. Not only will they need to understand the market and comparative property values, they will need good negotiating skills. Once you find the home of your dreams it would be a shame to lose out, or pay too much for the property being offered. If the price and terms do not suit your budget and plan a counter offer must be made, then the seller will either agree or reject it. Closing costs, taxes and the availability date, are only three of many points that will need to be addressed and agreed on during these negotiations.

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Do Not Let Your Emotions Rule the Day
Homes that possess good curb appeal and catch the eye, may seduce a buyer into a purchase that really isn’t the right one for them at that time. Do not be overwhelmed by one or two aspects that may be just what you were looking for, while others are way off the mark. Just because a house may have all new bathrooms, or is in a great school district with the hospital around the corner does not make it a good buy. Ask your self, is it priced right? Is it suited to the neighborhood and a solid investment? If you have just started your search, look at and compare as many listings as you can, in that way your powers of reasoning will temper your emotions.

Sticking to Your Budget Is Crucial
As we have mentioned in a previous chapter, getting pre-approved can be very helpful. Knowing how much is available to you and at what the terms will be, is some of the most important information to arm yourself with. Without it you will never know your own budget constraints, and an agent may not be able to get appraisals or credit reports done.

Watch Points During the Process

  1. Do not be pushed into a purchase you feel is a bit rich for your budget. No one knows better than you what you can afford. Do you have a sufficient down payment? Are you assured of your income over the term of the loan and who will be responsible for the legal and closing costs associated with the new mortgage? These are important aspects to be considered and weighed.

  2. Is your dream house really a nightmare? If this isn’t a newly built home are going to have to invest in repairs or a possible remodel? Performing work on a home requires construction skills and proper financing. Although a fixer upper can appear to be a good investment it can also become a money pit. If you think you want to do work on a home after you buy you will need to get professional advice before hand so that you do not have problems at a later date.

  3. Take a look around your current residence and ask yourself what is good or bad about it, and then make a list. Make note of the number of rooms and the shape and configuration of the place. What type of HVAC system does it have? Is the house comfortable to live in year round? Asking questions like this will help you to see future homes in the proper light. Taking into consideration what each member of the household requires, so that everyone will be accommodated and happy, is also very important? Will someone be moving off to college soon or getting their first car? Many factors, such as these, affect what size and layout are right for you.

  4. What really are the future market prospects for this property? Will it be easy or difficult to sell when the time comes? A home is an investment in your future, and one of the most important investments you will make in your life. If there is anything that may hinder a sale in the future, it can also adversely diminish your expected return and prevent you from cashing out or buying up at a later date.
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