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QUESTIONS
Remember, if you have
any
questions or wish to schedule a free, no obligation consultation,
contact Investors Real Estate, Inc. at (410)721-2398
or email us at
info@investorsrealestateinc.com. |
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BUYING A HOME
The purchase of a home is a
tremendous investment, both monetarily and emotionally. Whether you
are purchasing a home for you and your family to live in, or as an
investment or rental property, you will need to plan carefully and
be well prepared before you make that commitment.
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Get Representation.
Your Investors Real Estate, Inc. Consultant is a
well trained professional, who will use their industry knowledge
to represent your interest. With the many consultants
associated with our organization, you are sure to find one whose
experience and personality will put you at ease.
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Get Pre-Approved by a
reputable lender and discuss the different financing options
available to you. Your lender should provide you with a
pre-approval letter indicating how much home you are qualified
to purchase.
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Avoid Major Purchases.
In order to determine the amount of home you can afford, a
lender uses your debt-to-income ratio. This ratio is the
percentage of your pre-tax income that you spend on debt. Your
debt ratio will include: monthly housing costs, car payments,
credit cards, student loans, and any other installment debt. If
you take on more debt right before buying a home, it may have a
negative impact on the amount of
mortgage loan that you
qualify for.
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Start Viewing Homes in
the areas of your choice with your Investors Real Estate,
Inc. Consultant. Investors Real Estate, Inc.
provides access to state-of-the-art technology and tools
enabling your consultant to keep you abreast of all available
properties in your target area. Once you decide on a property,
your sales consultant will work with you to negotiate price and
terms that are agreeable.
- Get
A Home Inspection. A home inspection is one of the most
important steps in the home purchase process. The purpose of a
home inspection is to inform the individual buyer of the current
condition of the home. A home inspector will provide a detailed
written report on his findings. A home inspection can provide
useful information for new home owners regarding the operation
of items such as the heating and/or air conditioning systems,
appliances, etc.
- Select
A Title Company to conduct the settlement for your
purchase. The title company does the research to make sure that
you are getting clear title to the property. They also carryout
the instructions of the lender and the dictates of the
contract. When you and your sales consultant leave the title
company on the day of settlement, you will have the keys to your
new home!
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