Beginning the home-buying process is one of the most exciting adventures of your life, yet if you let it, this process can consume much of your time, and your money. Without a thorough understanding of the process and access to the information and resources you need to make informed decisions, you can waste your money and energy along the way.
My name is Bill Edge, and I specialize in helping those in the market for Houston Real Estate through every step of the process. My goal is to represent the best interests of home buyers from start to finish. By utilizing my services and tapping into my expertise, you will save time and money. You will also find the home buying experience more enjoyable as you eliminate much of the stress of the process.
Your new home is one of your biggest investments. Whether you’re starting on this process for the first time or looking for an investment property to add to your portfolio, my experience in the local market will help. I am ready to help you every step of the way, so you can make informed decisions and truly enjoy the home buying process.
These articles are designed to give you useful information about the home buying process. Start here as you begin gathering information about journey ahead.
1. How much Mortgage you can afford
To discover you home buying potential, calculate your, Income, Savings, Monthly expenses, Debt. These factors determine how big a loan you can afford [Read More…]
2. Create Your Wish List
What part of town do you want to live in? What price range would you consider? No less than_____but no more than_____. Are schools a factor, if so, what [Read More…]
3. Mortgages & Home-Buying Programs
Pre-qualification is an informal way to see how much you may be able to borrow. You can be pre-qualified over the phone with no paperwork by telling a lender your income, [Read More…]
4. Mortgage Assistance Programs
Can help you have ownership in your community, instead of renting. In many cases, owning a house is less expensive than renting an apartment and you can be enjoying a healthy investment. You do have to qualify [Read more…]
5. Shopping for a Home
First, there is no perfect home – make a list of the pros and cons of each home you visit. Remember that walls can be painted. From the 10-15 homes you typically see, pick your top 2. Think about you wish list as well as what you want to avoid. [Read More…]
6. Building a Home
Watching the home you’ve just purchased being built from the ground up is an exciting process. You, the buyer need to make sure to involve you in this process. You should have opportunities to ask questions and learn about how your home is built. [Read More…]
7. Negotiate and Finalize the Contract
This is the easy part. You have found your dream home, and all that remains is to finalize the deal.
How much should I offer? 1. Is the asking price in line with similar homes in the area? 2. Is the home in good condition, or will you have to spend a lot of… [Read more…]
8. Inspection, Insurance, & Interest Rate
An inspector checks the safety of your potential new home. Home inspectors focus especially on the structure, construction, and mechanical systems of the house and will make you… [Read More…]
9. Settlement or Closing
WHAT MAKES UP CLOSING COSTS
Attorney’s or escrow fees (Yours and your lender’s if applicable), Property taxes (to cover tax period to date), Interest, Loan origination Fee (covers lenders administrative cost)… [Read More…]
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