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Tips To Buying Your First Home And Qualifying For $8K From Uncle Sam  |
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The government’s deadline can be viewed as a double gift. First, it’s a motivator to buy your first home before December 1, 2009. Second, they are willing to give you a big fat check for your trouble. WOW!!!
Buying a house is not an easy task, but it is doable. By breaking up the many projects into manageable assignments, homebuyers can strategically stride through the process. In the end they will have one of the most valuable assets, a home. Nothing has changed, it is still the American Dream.
Today’s economic climate has created a glut of properties in many areas of our country. The fist-time homebuyer can take advantage of this trend and move quickly to complete the sale of their very own home in 30 days. Moving swiftly they can buy in time for the Obama Administration’s $8,000 tax credit giveaway.
Here are 5 timesaving tips to help a first time home buyer:
1) Recruit a Full-Time Real Estate Agent.
You must have an Agent that is focused 100% on finding available houses that suit your needs. You need them to negotiate your contract and to help move your real estate deal along swiftly and smoothly.
2) Get your financial paperwork in order
The most time consuming step of the process is getting a lender to provide the financing for your house. You should have all the documentation they need ready before they ask for it. Delays in this area could cause you to miss out on the government’s deadline and opportunity.
3) Create your new home wish list
List all your wants and desires in a new home. Have a picture of the house you want. Know how many bedrooms and bathrooms you will need for your family. Determine what style of house you want and know some of the features you would like in a house.
It is unrealistic to expect any house to match 100% to your list. If it meets 85% maybe it should be considered.
4) Learn how to house hunt
When you enter a house, focus on the elements of the structure. Ignore the “belongings” of the current owner. Those items will leave if you buy the house. Some home sellers have managed to collect piles of “stuff” and their houses seem cluttered. You probably are more organized and will live your life in the house differently. You could miss a gem of a house if you focus on the wrong things.
5) Start Your Search On-Line
Although you have a real estate agent working for you, they are not mind readers. You could possibly find a house on-line that your agent never thought you would consider. Send your agent some property listings that you would like to see. Don’t feel that you are doing the agent’s job. Their job is a lot more extensive then just finding the right house for you. They are there to keep your deal moving along from conception to completion.
Home buyers can find a network of other first timers who are embarking on the journey to homeownership. They can join the Facebook Group called “1st Time Home Buyers’ Countdown to $8k”for support and valuable information. The group’s creator is Roz Miller Choice the author of “Buy A House Fast…..Your 1st Home in 45 Days or Less.” She is a licensed Realtor and seasoned Real Estate Investor. Roz will encourage first time home buyers along the way, as the countdown to the government’s tax credit deadline continues.
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Individuals and couples contemplating the purchase of their first home have an opportunity to take advantage of a federal income tax credit that can help put them in the home of their dreams. For more information on the First-Time Homebuyers Tax Credit, contact a HUNT Mortgage representative at 1.888.433.8373 or visit us at huntmortgage.com.
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