Posts with tag 'First-time Buyers'
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30
New Year, New Home: When Should I Get Loan Pre-Approval?
Start off your new year with a new home by getting your loan pre-approval and preparing to purchase. A new year means a new start, and a sparkling home awaits.
Our real estate agents understand that the pre-approval process can be rather confusing. To start off your new year right, we're here to help guide you through this first stage of the home purchase process.
Know Your Credit
Knowing your credit score is a great place to start when deciding if you are ready for a pre-approval. Lenders will have varying minimum credit scores, but for the most part, you'll need a score of at least 620 to ensure you are approved for a loan.
15
Before You're Finished Unpacking, Do These 5 Things
Moving can be nerve-wracking and exhausting. You have to do so many things in one day just to make sure that you move your stuff without any major hiccups. Now that you have safely reached your new home, you have every reason be proud of yourself. But there's a score of immediate tasks to complete before you start unpacking and organizing your home. Our real estate agents share a list of 5 things to do immediately after you move into your new house.
- Turn on the Utilities
You should have arranged the connection of utilities before the move, but if you didn't, now is the time to do so without delay. The utilities may have been shut off, especially if the house has been vacant for a long time. Typically, the first utility companies to call are the water, power, and gas providers. You don't want to find out that you don't have electricity or water after a long day of unpacking. Next, you should consider making arrangements to gain access to other utilities and have them put in your name.
29
Buying a House with Student Loan Debt Can Happen
Student loan debt is frequently cited as one of the most common reasons that younger generations postpone buying a home, but don't let that stop you from shopping! While it's true that student loan debt can have an impact on the purchasing process, it's far from an insurmountable hurdle.
By taking the time to clean up your credit, investigate assistance programs, work on your debt-to-income ratio, and get pre-approved for a mortgage, you can put yourself in position to purchase a home. Our real estate agents know what it takes to buy a home, and we've got the details on how to navigate the process when you have student loan debt.
16
7 Habits of Successful Home Buyers
As first-time home buyers enter the Long Island real estate market, finding a new home is more of a challenge than they initially expected. Often, house hunters start their search with a "wing it" mentality. That's not always the best way to approach such a significant purchase in your lifetime.
Today, our real estate agents break down seven habits successful home buyers have in common so you can start your adventure in homeownership on the right path.
- Plan Ahead
Picture the type of home you want and create a plan on how to achieve your goal. Becoming pre-approved for a mortgage is a great first step. It proves to sellers proves you're a serious buyer. Get preapproved for your mortgage before you start shopping for a home.
11
Sell Your Long Island Home: 6 Essentials for Creating Curb Appeal
When it's time to sell your Long Island home, you know you need to get it shaped up and ready to shine. Your first concern should be curb appeal, or how appealing your home is to a potential buyer driving by. Some experts even say good curb appeal can help you get 10% more in the final price.
You might think of asking a friend to give you an assessment of how your home looks. Make sure you get the honest friend; not the one who tells says you look great after that awful haircut.
Our REALTORS® offer these six tips of where to start to make your curb appeal pop:
- Mailbox
Start at the curb and take a good look at your mailbox. Is it scuffed and dinghy, looking as though it is apathetic about holding the mail? Give it a good cleaning, or if it is too far gone, consider replacing it. At least re-paint the post and replace the house numbers with a style that matches your overall house.