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Top 10 Links to Help First-Time Home Buyers Buy a New Home
I lived in Los Angeles for 12 years paying over $150,000 in rent. That’s money I’ll never get back. If I own a home, I can roll $150,000 of equity into a new purchase. My fiancé and I finally realized that renting was the worst thing we could do to ourselves financially, so we committed ourselves to buying a new home. To know how much we can spend, where we can spend it and how much we need as a down payment, we need to check the web to educate ourselves about the entire home buying process from lending basis to assessment. estimates. Below are the 10 most important links that we have found to be most important to first time home buyers in helping to find a first home.
Mortgage Basics
If you have never bought a home before, you should definitely start here. There are several documents that you will need to compile during the closing process. Also, there are many questions you should ask potential lenders and brokers throughout the process. For example, if you are self-employed and your gross income is less than your adjusted gross on your taxes, for half a point to one point more than your interest rate, you can get stated loan with little or no documentation. If you don’t ask for it first from a lender, they won’t be allowed to offer you a stated loan if they see your financial information (ie: taxes, bank statements, etc.). Also, unless you are a home buying expert, I 100% recommend that you use a Real Estate Buyer’s Agent, even if it is just to negotiate. It costs you nothing. The sales commission will be split between your buyer’s agent and the seller’s agent.
bankrate.com/brm/green/mtg/basics-toc.asp
Buy Your Credit Score
You are in the dark if you don’t know all 3 of your Fico Scores. There are other credit scoring systems, but Fico is the most popular. This is mandatory.
myfico.com
Free Credit Report
You can get your credit report for free once a year from all three credit reporting agencies. There are many websites that will make it seem like you can get your report for free, but they will make you sign up for a trial service. This site is the only truly free site. If you purchased your 3 Fico Scores, you do not need to visit this site.
annualcreditreport.com
Online Brokers
You can shop online for a loan from an Online Discount Mortgage Broker. If you do your entire mortgage shopping within 2 weeks, it will have the least impact on your credit score, but in general, when a bank checks your credit score for a mortgage, it It shouldn’t affect your credit score. To get the best rate, and sometimes even your mortgage to close, you need all the help you can get. Working with a broker, however many, will create the greatest chance of getting the rate, down payment or a loan to close.
eloan.com
lendingtree.com
Raw Statistics About Most Cities
“Where should you live,” is probably the most important question you can ask yourself. Housing costs, culture and traffic are all factors that will affect your decisions. These links provide raw statistics about the many factors that will influence your decision.
bestplaces.net/Default.aspx
money.cnn.com/magazines/moneymag/bplive/2007/index.html
Find Houses, Condos, Real Estate
These websites are very helpful in identifying potential homes. The first two have a customizable search engine, which allows you to add anything from wood floors to a jetted tub to your search.
ziprealty.com
realtor.com
newhomeguide.com
Estimates
Last, but not least, once you’ve identified a list of prospective homes to buy, you can get an unofficial appraisal, as well as the previous year’s tax assessment. , to help you get an offer price.
zillow.com
Good hunting.
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