إشتراء بيتيّة

ك بيتيّ يشتري عملية جيّدا جار. قبل البائعات عرضك أن يشتري. المنزل رسميّا تحت عقد ويعدّ أنت نزولا إلى الأيام إلى يغلق. المقرضة [بر-بّروفد] أنت, لذلك يشتري المنزل يوقن شيء, حق?

اعتماد سيّئة [هوم لوأن] يتلقّى ينال [هوم لوأن] من خلال اعتماد سيّئة واقعيّا أبدا على أرض يكان يتيح من هو اليوم. هنا أطراف مختلفة أن يساعد شكّلت .....

لا الى حدّ بعيد. لاشيء مؤكّدة إلى أن المفاتيح في أياديك. هناك بعد حواجز كبريات أن يحصل مارّا ب قبل أن أنت ختام, وأعمالك [بتوين نوو ند] يغلق يستطيع خلقت صداعات, إبطاء, وحتّى يتوقّف الصفقة.

1. لا يجعل شراء كبريات

يؤسّس أنت يتلقّى فقط خارجا اعتمادك [أ]. أنّ أخبار عظيمة, لأنّ سيارة جديدة نظر عجيبة في الدرب من منزلك جديدة. غير أنّ تعليق [أن-يف] أنت تكون [دبندينغ ون] رهن أن يتحرّك داخل, انتظر أنت على أحسن وجه حتّى بعد يغلق أن يشتري السيارة.

يقلّل زيادة في دينك إلى دخل نسبة المبلغة من دخل شهريّة يتوفّر ل [مورتغج بمنت] ك.

إن أنت تثبت على [هيغر] سيارة دفع, البنك أمكن قرّرت أنت يستطيع لا يمكن المنزل.

يستعمل نقد أن يشتري السيارة استطاع أيضا خلقت مشكلة, بما أنّ بنوك يعتبرون [كش رسرف] عندما يوافق رهنك. إن أنت ينبغي جعلت شراء كبريات قبل يغلق, محادثة إلى [لوأن وفّيسر] ك قبل أن يتمّ أنت هو.

2. لا يغيّر أشغال ما لم هو يكون ضروريّة

يحبّ لندرز بيتيّة أن يرى [جوب هيستوري] متوافقة. هم ليسوا عادة بما أنّ عصبيّة إن أنت تغيّر أشغال ضمن ال نفسه مجال, غير أنّ هو يكون جيّدة أن يبقى يضع إلى أن المفاتيح إلى المنزل في يدك.

3. Don’t Give an Earnest Money Deposit Directly to a For Sale By Owner Seller

Your good faith deposit should go into a trust account. Some for sale by owner sellers don’t understand that funds are to be applied to your expenses at closing.

I’ve heard many stories about sellers who spent the deposit money prior to closing. When the transactions didn’t take place for valid reasons–such as financing or repair issues, the buyers had to fight for a refund.

Find an attorney or other neutral party who will hold the deposit for you until closing day and make sure your contract dictates what happens to the funds if the transaction doesn’t close.

4. Don’t Let Your Emotions Take Over

Keep a cool head during the entire home buying process, especially during and after an inspection. Be realistic. No home is perfect, especially older homes. It’s not unusual for new owners to take care of some repairs themselves. Don’t let the seller’s refusal to do a small repair kill the deal on a home you truly love.

On the other hand, don’t fall so much in love with the house that you’ll buy it no matter what needs to be done–unless you’re absolutely sure you can handle it emotionally and financially. Decide what type of repairs you can realistically tackle, then stick with the decision.

5. Don’t Forget to Switch Utilities

That sounds simple, but you’d be surprised how many people forget to apply for utility service at their new home. Call the utility companies as soon as you have a contract. Find out how many days lead time they need to switch the service, then get back with them when you have a firm closing date.

Don’t forget to discontinue services at your old home.

6. Line Up Your Hazard Insurance

A no-brainer, right? But it’s another often-forgotten task that buyers scramble to take care of at the last minute. Before closing, your lender will want to see an insurance binder showing you have coverage for the new home. Get it as early as possible so that closing isn’t delayed.
In some locations, additional types of insurance coverage might be necessary. Talk to your lender about insurance requirements well before the closing date.

7. Don’t Become Best Friends with the Seller

I’ll get some flack on this one. It’s great to be friendly, but don’t get into too many long discussions with the sellers, because personality conflicts often cloud judgments.

Remember, this is their home. You’re no doubt excited about moving in, and if you didn’t like the house you wouldn’t have offered to buy it. But you’ll make changes–everyone does. A casual statement about “ripping up that ugly carpet” might be hurtful enough to keep the seller from negotiating with you about repairs or other issues that crop up.

8. Don’t Panic if the Appraisal Comes in Low

At least not at first. There are some things you (and your agent) can do to correct the problem. Study your options.

9. Don’t Go It Alone

If you’re working with an agent, it’s the agent’s duty to track many of the day to day details that involve the lender, the seller, or the seller’s agent.

10. Don’t Ignore Home Lender Requirements

Know what is expected of you and take care of it. For instance, a Certificate of Eligibility is required to move forward on a VA loan. That’s something you must handle yourself. Answer lender questions and provide required paperwork as quickly as possible–your closing depends on it.

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