First Step for Home Buyers

Potential buyers who are just starting to think about looking for a home often ask me what the first step in the home buying process is.  My answer – find out what your price range is.  And PLEASE don’t just go online and punch in some numbers into one of those online mortgage calculators!  Get in touch with me and get some names of true mortgage professionals who can give you a real idea of what you can afford.  Why not just use one of those calculators?  Well, it’s like using an at-home blood pressure monitor and never going to a doctor because you assume that if that monitor is telling you everything is a-OK with your blood pressure, then everything else is fine.  You wouldn’t assume that, would you?  Those online mortgage calculators are the same way – they provide one diagnostic answer but don’t examine the bigger picture.  A mortgage professional, however, within about a 15-minute conversation, can tell you how your credit is, how much you would need to get into a home (at the closing table), how much your monthly payment would be at certain price ranges, how your credit might affect your mortgage rate, etc.  This is a VERY important step…trust me, you don’t want to start looking at homes that are $250,000 when really $220,000 is the top of your price range.  It is not fun or easy to decrease your expectations in what your home might look like in terms of size and amenities.  So, if you’re thinking about buying a home, contact me and I’ll put you in touch with some great mortgage professionals today! 

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