5 things to do before looking at houses

If you’re thinking of making a move, this information is for you! Whether you’re moving across the country or across the street, it’s VITAL to have all your ducks in a row before plunging into the home search. I know, I know… it’s fun to look at houses! But if you’re in the market, you will need to consider these things before  you get too far into your hunt.

  1. Run your Credit history annually-

    Knowing your credit score is an important part of the process when it comes to buying a house. Lenders typically require a credit score minimum of 580-620, but the type of loan you choose will determine the exact minimum requirements. It’s important to understand the differences between conventional, VA, FHA, and USDA loans before you apply for one. Check your credit score once per year (with no penalty) so that your finances are in order. That way, you’ll be able to qualify for the best interest rate available when the time comes.

  2. Start a list

    When you are looking for a home, it is important to make a list of wants, needs, and must not haves. This helps narrow down the search and ensures that you find the perfect home for your lifestyle. Think about what you must have in a home – do you need a certain number of bedrooms? Do you want to live in an area with good schools or close to amenities? Where do you want to live? All these factors should be taken into consideration when making your buyer’s wishlist. Keep an open mind and be flexible when looking for a home. There may be some features that are not on your wishlist but could add value to your purchase. Consider all options available and make sure that the house meets all of your needs before making a decision.

  3. Pick a Realtor

    Buying a home is an exciting and stressful journey, and having an agent that you trust can make the process much easier. Not all agents are Realtors, so be sure to find one that is. Realtors have the experience, ethics, and expertise to help guide you through the homebuying process. Your agent keeps you on track and helps you every step of the way- they’re your coach. If you don’t know where to start, ask your friends and family for recommendations… or you can always ask me for help- I have Realtor friends all over the country!

  4. Pick a Lender

    Finding the right lender is essential to your success in homebuying. When able to, work with a local (licensed) lender who understands your market and can provide you with personalized advice. Realtors are a great resource when it comes to finding the right lender for your needs, as they are familiar with local lenders and can recommend one that best meets your budget and interest rate requirements. Additionally, they are licensed professionals who know how to help you maximize your budget and minimize your interest rate. With their help, you can find the perfect lender for your needs.

  5. Pick a Loan

    When it comes to taking out a loan, understanding which type of loan is right for you can be a daunting task. Different loans require varying credit scores, income, debt to income, savings, and insurability. Fortunately, your lender is the expert in this area and can help you determine the best loan for your needs. They will be able to provide you with advice on what type of loan would best suit your financial situation and guide you through the process. Your lender will also be able to provide information on any special requirements that may be needed for certain types of loans. By working with your lender, you can ensure that you are getting the right loan for your individual needs.

If you’re new here, hi! I’m Hope, I am a Georgia native and live in Houston County, GA with my husband, 2 kids, and 3 dogs. I offer over a decade of experience in listing, selling, renting, and investing, and I strive to protect all my clients (including tenants) from predatory practices in real estate. When I’m not selling homes, you’ll find me spending time with my family, reading, listening to music, or playing with the dogs.

I’m a Realtor, an Accredited Buyer’s Representative, and a Military Relocation Professional. I love learning and problem solving… it’s why I love what I do! I inform my clients so that they’re able to make well-informed decisions with fewer regrets.  I’ve worked in real estate since 2012 and was raised in a construction family, so it’s what I know best. If you have any questions about real estate in general or about buying, renting, or selling a property, let’s chat!

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