A good mortgage broker will help you determine how much home you can safely afford, and prequalify you with several lenders well ahead of closing time. We know several excellent mortgage brokers and would be glad to refer you -- just ask!
Although it is complex, the general home-buying process breaks down as follows: identifying your target market, selecting neighborhoods and viewing homes, placing offers and negotiating with sellers, and finally closing the transaction. A good real estate agent will help simplify the process and guide you every step of the way.
Seasonal changes can affect home values, so it's a good idea to be conscious of where the local market is. A good real estate agent will help guide you to buy at the right time for your situation.
Over the long-term, owning your own home builds valuable equity that increases your net worth and sets your family up to retire comfortably. Renting provides no such financial benefits and should be considered a short-term option until home-buying is affordable.
Many things matter to homebuyers as much as proximity to restaurants, recreational areas, gyms, kids places, and other places of interest. Find out more about neighborhoods.