Top 10 Tips For Buying Your First Home

Buying your first home is a major milestone and it is important that you acquire as much information as possible before taking this big leap. While my clients generally ask me questions about improving their credit and getting a lower interest rate, this outline covers the entire process to, hopefully, make it an enjoyable and stress-free experience.

1. Be Prepared & Knowledgeable – Sign a contract with a buyer’s agent who is familiar with the area in which you want to buy a home; independently search your local MLS and realtor.com; and find a mortgage broker who inspires confidence and has a solid reputation.

2. Getting Pre-Approved – Before you actually visit any homes, research and select a lender such as Quicken Loans, AmeriQuest, or Wells Fargo. After you have chosen the one that is right for you, get pre-approved to determine your price range and show potential sellers that you are a serious buyer, which can also increase your bargaining power when you find your dream home.

3. Understand Your Loan – There are various types of mortgages, 30 year fixed, 15 years fixed, 5/1 ARM, 3/1 ARM, etc., that you need to be familiar with before you can sign on the dotted line. While a 15 or 30 year fixed mortgage with 20% to 25% down is the best option for most first time buyers, I occasionally advise some people to do an 80 / 10 / 10. 20% down may seem excessive and unexpected, but paying 20% down or more towards the note allows you to avoid the PMI (Private Mortgage Insurance) cost that can be expensive and useless.

As a general rule, avoid exotic loans so you don’t need to worry about fluctuating costs from month to month and changing interest rates. If interest rates plummet from what you signed up for, in many instances you can refinance.

4. Preparing Your Credit – While everyone knows that their credit score will be an important element in determining their mortgage payments, most do not follow a few simple tips for improving their score in the months leading up to the closing. First, make sure you keep the balance on your credit cards under a quarter of the total line of credit. Also, avoid large purchases or transfers that might appear out of the ordinary. And finally, pay off debts such as student loans that may be keeping your score down.

5. Gather Data – Your lender will generally require 2 years of tax returns, a year of bank statements, W-2’s and 1099’s from the past 2 years, and a list of your current debts such as car and student loans. By having these prepared before they ask for them, you can save yourself a lot of time and avoid unnecessary stress.

6. Learn The Local Market – Many realtors will offer you “comps” on recently sold homes in your area of interest. Be sure to look over these carefully, particularly the asking price of the homes, what they sold for, and the price per square foot. With this information in hand, you can submit a more competitive first offer and come across as a serious buyer.

7. Compare Lenders – After your offer is accepted, I strongly suggest using the quick, easy, and free services of LendingTree to compare interest rates for your mortgage. While you may have found already found a trusted lender for your pre-approval, there is no guarantee that he will give you the best rate. One thing you can do, however, is take the best rate you receive from LendingTree and discuss this rate with your local bank and trusted lender. With this bargaining power, you can determine who really wants your business, get the best possible interest rate, and save the most money in the long run.

8. Avoid Pricey Closing Costs – As you narrow down your list of mortgage lenders and receive some great quotes on interest rates, ask for a good faith estimate so you can estimate your closing costs. Although many individuals overlook these one-time, up-front costs, they can add up quickly and are an important element in selecting a lender who is right for you.

9. Get an Inspection – When your offer is accepted and it seems that the process is almost over, do not get too attached and believe that the home is already yours. Although it can be a major stumbling block in the negotiations, you absolutely need to have a qualified inspector look for termites, pests, foundation problems, and numerous other things that cannot be seen when you stroll through a home. Sometimes the inspector will only find minor problems, but other times there are extremely expensive issues that may make your purchase impossible. Under any circumstances, you cannot skip this step.

10. RELAX – It can be expected that this major milestone is going to be somewhat stressful considering the major investment and lifestyle change you are making. However, it should also be fun so take pictures of the homes you like, both inside and outside, and write notes about each place you see. At the end of the day, if you follow the above steps and listen to your heart, you are bound to be one happy homeowner.

Good luck and happy house hunting!

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113 Comments »

  1. […] 26, 2007 at 6:06 am · Filed under Uncategorized Top 10 Tips For Buying Your First Home The credit master is back with a great post on 10 things you should do when buying your first home. […]

  2. Terri said

    I have used Lending Tree, I found out it really is a listing company. Which is no problem, but it helps to know.
    To get a better deal I would use the services of Loan Tactics.com. They are changing their web site in a couple of weeks according to their press release, and they don’t know how to spell very well. But I found that they coach you through the house buying and loan process. They answered all my questions which brokers really don’t. And I saved a bundle on my loan.
    I was able to get info about the realitor and lender, whether they fib or rip you off. I thought that was worth it. But they gave me great confidence in dealing with the lending people. Thought you should know.

  3. dailymuse said

    Thank you. I’m in the process of saving for my first home. Thanks for the tips.

  4. Superfluous said

    Thank you for all of your information. I have a question I think could inspire a future article. I recently turned 18 and will be heading off to college soon. I want to start building up my credit for adulthood. In a previous article you mentioned get a low limit credit card and making purchases on that, then paying it off in full each month. Are there any other methods I could use to build credit?

  5. Juan said

    Tips for South African 1st home buyers:

    Sorry, I only have bad news for 1st time home owners of South Africa.

    if you did not buy a house in 2004 and if you aren’t earning 17000 ZAR you can forget buying a home in the future un less you are prepared to live on the outer parts of your nearest squatter camp or in a low-cost housing scam area where high profile criminals are your neighbors!

  6. Fred said

    11. Be prepared with plenty of anal lube. That way, when the banks and real estate agents bend you over and slam your backdoor-hole, you’ll already be lubed up and ready to take it. A few shots of whiskey helps, too.

    • Laura said

      God you’re gross. Ever think of going to finishing school?

  7. RE.Agent said

    It’s a new paradigm, and everybody who doesn’t buy, now, will be priced out forever. Anybody who does buy will be rewarded with a lifetime of riches, as their property will continue its 30% yearly price increase.

    Renters, and anybody born in a future generation, will not be able to afford a $10,000,000 starter home in 15 years. They will live in tent cities, and Hondas.

    This asset bubble is different than all of the others – it will never slow down, or pop. The gains are permanent.

  8. […] 10 Tips For Buying Your First Home Filed under: Uncategorized — recar @ 8:30 am Top 10 Tips For Buying Your First Home The credit master is back with a great post on 10 things you should do when buying your first home. […]

  9. Johannes Climacus said

    If you are a first time home buyer in South Africa…goodluck!

  10. NotREAgent said

    To RE.Agent, I’m sorry, but that’s complete bullocks. Housing will not continue to grow at 30% per year. Basic economics say that it isn’t possible. If it were, everyone would buy land and prices would go up. If you’re saying that these price increases can continue indefinitely at 30%, that’s ludicrous. It even has a name: a bubble. Like their real-life conterparts, bubbles pop.

    And just think practically. If your 30% figure were true, Trump, Buffet, etc would just invest all their money in land. In case you didn’t notice, they don’t.

    As a result, I’m forced to conclude either:
    A) You have no idea what you’re talking about.
    or
    B) You are a realtor trying to convince potential customers to buy (which would be a quite inefficient attempt considering the size of the internet).

    Cheers.

  11. Just some practical tips to add from my experience, which you should check yourself:

    – Check what the neighbours are like – visit the property during the day and night. Are the walls paper thin, do they play musical instruments, how old are the neighbours (have babies, teenagers etc.,)..

    – If living in an apartment, how often are the tenants water tanks cleaned and cleared as this will effect your water supply during these cleaning days.

    – Any proposed developments outside your property?

    – Any management fee’s for property maintenance (security guards etc.,)

    – If airconditioned are they internal (better) or external airconditioners (can gather more dirt)

    Hope this helps…

  12. ukvisitor said

    To NotREAgent: What is it about sarcasm that you don’t understand? Amazing.

  13. fatihiraz said

    thanks for tips

  14. Lynn said

    Rather plain vanilla information, so here are several very important factors that were not included:

    On loans–Be sure to check your State Grants for first-time home buyers. Often, there is grant money available. A State Grant could provide a lower interest rate, a guaranteed loan at a cheaper rate, etc. A knowledgeable real estate agent should be able to provide this information and if they are ignorant of this information, get another agent. (Remember they earn their lofty commission off of a sale so make them work for it.)

    Be sure to get your home inspected by a certified, professional Building Inspector.

    For pest inspections, use a State certified business who will inspect your home for powder post beetles, termites, etc.

    If you find a home that you are serious about, get a professional appraisal, and do not accept the “list price” which oftentimes is not the price that the market can bear due to the inflationary or bubble-market issues. It isn’t all about looking over the ‘comps’ (which means ‘comparables’).

    If you find a home you like, ask about the home insurance and if they have filed a damage claim in the past 5 years. Any damages to the home can be learned through their home owners insurance.

    Look at the local school district if you are either planning a family, have a family, or plan to resell in a short time. Location is critical to most homebuyers.

    What conveys? If you have appliances, a hot tub, spa, or carpeting that appears to be wall-to-wall, be sure the contract stipulates that the item(s) convey at the time of sale.

    Consider yourself to be the holder of some ‘bargaining chips’. If you are ready to put a contract on a home, request that the seller provide some of the closing costs.

    FlyingMembers has very good considerations in the comment.

    REAgent is talking crap. The notion of “hurry up and buy a home now before a start-up home is priced at A Million” is insipid. Even a casual looker can see that the Baby Boomers will be leaving large homes for small homes in the next 20-30 years. When they downsize or move on into Assisted Living units, who will buy those houses? It will be a “Buyers Market” then due to the glut. The generations after the Baby Boomers do NOT exceed the population created by the Baby Boomer phenomenon. Worthy of consideration, though, is the immigrant population which puts an automated increase here in America. If the immigrant population is controlled, our population will still not grow in the 30%+ rate. However, if the USA continues to allow illegal trespassers from Mexico, the population will continue to increase. Of course, unless mortgages are made available to illegal trespasser/aliens, they can’t buy homes.

  15. Here’s one that isn’t on your list.

    11) Don’t buy from buyers who are moving permanently out of country.

    We bought from a buyer moving out of country (Mexico) and unfortunately discovered problems the inspection missed. We have no clue where they are (and judging by the repo man’s appearance, neither do their other creditors), so even if we could put together a good case, we couldn’t find them to sue them.

    Oh, and one more..

    12) Don’t trust the sellers rep to get the seller all the paper work they need.

    Our seller’s rep didn’t get them all the info they needed (not to mention our sellers spoke spanish and their rep didn’t). This led to major confusion.

    Here’s to hoping our next experience goes better. That’s if we can ever get this house off of our hands.

    -J. Kaiser

  16. […] Top 10 Tips For Buying Your First Home « Credit Score Tips & Advice Top 10 Tips For Buying Your First Home « Credit Score Tips & Advice […]

  17. modu said

    A very good short list of things to keep in mind. This also holds true for second, third, etc- time buyers as well. Sometimes the veteran home owners become too comfortable/cocky about the process and end up paying more for a sub-par home. As for myself, I found USAA and my credit union provided more complete financial services for home buyers at a slightly higher cost. The cost-benefits work out better through them than local mortgage lenders, and have the resources and customer-oriented mindset which provide ease of mind.

    Thanks for the tips/refresher.

  18. Another good tip is to avoid lying on your loan, if you applying for a stated income or No Income No Asset loan. This is especially true if you’re getting an ARM, since the bank will determine your ability to afford the mortgage on the low introductory rate — not on any projection of what it will reset to in a few years, since they couldn’t accurately predict what interest rates will be in the future.

    I’ve read that some homeowners overstated their incomes by as much as 50% to qualify for homes they couldn’t really afford, and many are facing foreclosure as the payments reset. The mortgage application states that it’s a federal offense to lie about the information you put down, so don’t do it. Reevaluate your housing expectations and purchase a smaller, more affordable home at a fixed rate with a low payment, if necessary.

  19. Diana said

    Make sure you have more than enough money for the closing costs. No matter what the “good faith” estimate is, the actual closing costs are likely to be more.

  20. newhoosier said

    No matter how much of this I already know, I always like a refresher…. thanks!

  21. Bob Feeser said

    Ok, Ok, this is a plug, but the site is totally free. If you are interested in a 5 photo free online photo ad, visit http://www.ThankYouByOwner.com
    It is a for sale by owner, and for sale by agent site.

  22. watex said

    THANKS! This will really help my blog and my home buying

  23. heycinderella said

    Watch out for dual-agency realtors…esp. if you are on the buying end.

  24. kylie999 said

    Thanks for the information.

  25. Lynn said

    Another item that I forgot to mention yesterday:

    Be especially cognizant of disaster prone areas where you may be purchasing a home in, ie. earthquake zone, tornado alley, flood zone, hurricane prone area, wild fires, sink hole areas, etc.

    There are special riders to some homeowner insurance policies, but earthquake insurance and flood insurance are very special insurances. Earthquake deductibles in those areas prone to earthquakes starts at $20K or more. (Do you have a spare $20K sitting around to put into your home if your home is damaged?) If your home is in a flood zone, you will be required to buy special NFIP (flood insurance) and it’s not a cheap price. If you do not buy this insurance and the area is flooded, declared a Federal disaster, you will receive minimal compensation through FEMA if you don’t have NFIP. But, you will only receive this money one time….after that, it will be a requirement to have the flood insurance or no further claims can be honored. That said, the monies that become available through FEMA if your home is damaged due to a Federal disaster is limited to Federal limitations — the max for real and personal property per disaster is just $26,800 (may be slightly higher if a new law was implemented recently). That amount is not much to replace a home — think of Katrina victims….

    In Florida, where hurricanes are very common, insurance companies have had big struggles paying the claims for Florida residents. Some companies have filed bankrupty, some were sued in class action suits for non-payment (or low pay offs), etc. Some insurance companies are now deciding to no longer offer the insurance — it will soon become a State issue passed on to taxpayers. Is it worth living in an area where the cost to live there is so stressful or so expensive?

    I would caution people with regard to disaster-prone regions……Having your home damaged or destroyed is not financially or emotionally easy to cope with.

  26. Anyone had any dealings with Formworks homes?

    http://formworksbuilding.com/

    I find the concept VERY interesting. Any experiences, suggestions, ideas?

    -J. Kaiser

  27. These are excellent tips I will keep these in mind when I buy my first home!!

  28. […] Top 10 Tips For Buying Your First Home – “Buying your first home is a major milestone and it is important that you acquire as much information as possible before taking this big leap.” […]

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  31. […] 10-tips-for-buying-your-first-home Published April 15th, 2007 Investments , Real Estate https://creditpro.wordpress.com/top-10-tips-for-buying-your-first-home/ […]

  32. Livette said

    Nice blog!

  33. Credit said

    Very good tips. I especially agree with #4 regarding knowing and taking care of one’s credit. Here are a few rules regarding credit: http://www.mycreditsecurity.com/credit-report/golden-rules-for-credit/

  34. Good advice, some of which can be applied to buying a car, like getting pre-approved before walking on a lot.

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  39. Anthony said

    These are some great tips, do you mind if I reposted them to help others that may be venturing into buying their first homes?…please let me know

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  44. “There are various types of mortgages, 30 year fixed, 15 years fixed, 5/1 ARM, 3/1 ARM, etc., that you need to be familiar with before you can sign on the dotted line.”

    The best mortgage to get is the one where you pay the least amount per month. What is important, though, is that the buyer obtain a Home Equity Line of Credit (HELOC) — savvy buyers realize that they can use the HELOC to accelerate their home’s equity.

    Today’s Real Estate market means that folks can no longer count on appreciation to build home equity. Those who realize that they need to pay down their current mortgage debt are looking for alternate ways to aggressively (yet safely) build equity.

    And they’ve discovered a perfect online system to do that; they can focus on their wealth accumulation goals while accelerating their equity simply by using a HELOC to ‘power’ their program.

    A typical 30 year loan (of whatever type) can be paid down in 1/3 to 1/2 the time — it’s a great way to save *huge* amounts of income by eliminating a mortgage amortization front-end interest load. (On million-plus dollar homes, I’ve personally seen where this particular financial solution will save the homeowner $750,000 in interest charges!)

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  45. banker bob said

    House purchases are a great thing, on average house priceses have always gone up in value. but that said you want to make sure your first house is with in your means. If you cant afford the house you lose alot of money you would make over time in loan payments. Because of that it is important that when you are shopping for a house to remember to be realistic, optimistic, smart, and thorough.

  46. Take a look at the Mortgage Closing Costs calculator to get an estimate of what your closing costs might be. http://all-about-home.tipsonclicks.com/mortgage-gadgets/mortgage-closing-costs-calculator

  47. Thanks. I think i should prepared my money. That is my priority if i got some money to buy a home. but i some time, i think it’s better for me to increase my salary this time.

  48. Grandiose said

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    cheers, Grandiose!

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  51. Mark said

    Buying a first home is easy in Australia. Especially those looking for new apartments, new townhouses or new homes. This post is great for anyone looking to buy their first home anywhere in the world, the conepts are the same, even if the details are a little bit different.

  52. Great info. I will definitely come back again soon!

  53. Marinkina said

    Нет,по настоящиму улыбнул 8 пункт,просто представил такую ситуацию ))).

  54. Gavrilin said

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  55. Cederash said

    Супер статья!

  56. Ferinannnd said

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  59. It really feels good when you can save money from my 1st home.
    thanks for the tips..

  60. Great post…keep up the good work

  61. Buying your first home is an important decision. Make sure you choose wisely and understand the pros and cons.

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  80. Alexuza said

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