Ways To Make A Fast & Easy Home Purchase For First Time Buyers

[Adriana Galvez]

You deserve a beautiful home that screams home-sweet-home! 

So, three things to consider - Affordability including upfront costs to secure it, style, and location. I know finding the right home can feel.. time-consuming, but it doesn't have to be! Let's look at some key points you'll need to make it an easy-breezy process!

First! You'll need to understand your budget (this is very important) What can you afford? To figure this out Look at your income-to-debt ratio and do simple math. Don't be afraid to ask for help! We are not all accountants here and I know how forgetting even the smallest of things can be super embarrassing, but trust me it's not! Once that is out of the way, upfront costs will be decided based on your credit-score. The better the score the higher the chances of choosing how much can be put down as a deposit. 

Second, we want to understand your style & taste! What will make your new home feel like home? Also very important! So, in regards to exterior and interior design - in the case you want a fully furnished home - what stands out to you? Square footage of the home, how spacious you want your kitchen, certain rooms, etc. You don't have to be fully detailed, but try to be specific by making a list on a sticky note, notepad, iPad, whatever gets your point across. 

Thirdly, location! Where would you like to live? 

Making sure that tailoring to your needs is heard so make sure you're confident in yourself to voice what matters! Your agent wants to help you successfully buy the home that best suits you so make sure you have these 3 things ready before you talk to an agent. To better assist you, following FHA guidelines can help your agent and help you understand your rights! So please, don't contact a broker without understanding first how to approach this prior to purchasing.

Code of conduct in Virginia (which may or may not apply to any other state) https://law.lis.virginia.gov/vacode/title36/chapter5.1/secti...