Commitment from Preview to Closing, I'm here for you, start to finish.
Figure out your finances.
That means determining how much money you can raise for your down payment and how much you can afford to pay on a monthly basis. Go to a lender to find out the size of mortgage you qualify for and get pre-approved. Better yet, use a mortgage broker to find you the best mortgage rate possible. When calculating the costs of home ownership, remember to plan for homeowner's insurance, property taxes, private mortgage insurance (if required), utilities, repairs, and maintenance.Price your home realistically.
Sales statistics show that properties that are initially priced too high eventually sell for less than properties that were correctly priced in the first place. Also, over-priced houses can take months or even years to sell, while properly priced houses usually sell in a matter of weeks or even days. When selecting your agent, make sure that each Realtor you interview presents a CMA (or Comparative Market Analysis) that shows what he or she thinks your house is worth. The average or median price will likely be very close to your home's true market value.Identify suitable neighborhoods.
If it's not located in a neighborhood you like, your new house will never feel like home no matter how nice it is. There are several factors that go into making a "good" neighborhood for most people. It should be safe, close to things that are important to you, and should offer the services you depend on, such as healthcare and convenient shopping. Ambiance and curb appeal may be particularly important to you. Whatever your criteria, once you have a better idea of the areas you are interested in, find out as much as you can about each area's demographics, crime rate, schools, traffic, etc. Check out the county and state records for this information, or you can use Yahoo!'s "Get Local" online service. You can even try the local Chambers of Commerce, but bear in mind that they are in the business of attracting new residents to their neighborhood.