Regardless of how meticulously you’ve saved, planned and prepared to buy a home, it may feel like it’s never quite the right time. There are a host of external factors at play in this significant financial decision including the time of year you decide to purchase, fluctuations in your local housing market and uncertainty in the overall economy.

But don’t get discouraged. Here are five ways to know the time is right for you:

 1: Your Financial “House” is in Order

You’ve followed the advice of experts and spent a fair amount of time getting your financial “house” in order. You’ve saved for the down payment, monitored your credit and planned for all the extras you’ll need to not only close...

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Are your receiving an income tax refund? Have you considered purchasing a Home? Your tax refund may go a long way a towards a new home purchase. Here’s how.
* Use your income tax refund towards the down payment. When use FHA financing, only a 3.5% down payment is required.
* Use your tax refund towards closing costs.
* Pay off debts with your tax refund to improve your debt-to- income ratio and credit score.
* Keep your tax refund in your bank account as reserves which are required to qualify for a mortgage.
* Use your tax refund for moving expenses or home improvements.

Also as a first-time homebuyer, next year’s income tax refund will be bigger with added mortgage...

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Buying a home is a big undertaking. From finding the right property and negotiating to sorting out the legal details and moving in, there are dozens of important steps along the way. And for many first-time buyers, it can seem overwhelming. 

Fortunately, there are a few things you can do to make the process easier, even if you’re still in the planning phase. If you know buying a home is on the horizon, you’ll want to tackle these tasks before you get too far into your search:

1. Get preapproved for your mortgage. 
Research lenders, choose your mortgage company and apply for preapproval. This will give you an idea of what you can afford so we can point you toward homes in the right price range. 

2. Give your budget a test run. 
Once you have a rough estimate of what your monthly payment will be, give...

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The greatest strength of TOP TEAM REALTY. We have professionals who will help you and guide you to buy your property or to invest in real estate.

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Comprar una casa es un gran paso, que requiere que analices si se trata de la decisión correcta para ti. Por eso, te presentamos las principales ventajas y desventajas, tanto de alquilar como de comprar una vivienda.

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