Buying a home is one of the most stressful things a person can go through in life. According to a recent study, moving tops the list of stressful events for nearly 2/3 of all of the people who were surveyed. They claim that buying a home is even more stressful than starting a new job, ending a relationship or even getting a divorce. Team Couch understands that buying a home comes with its own unique issues, so we are committed to being there when you need us. Here are a few tips to help make buying a home less of a burden.
Tip #1 – Get Pre-Approved
Talk to a lender and get approved for your mortgage loan. There are all kinds of mortgages available with different rates and features. A Mortgage lender will help you navigate through all available options and find the best loan program based on your needs. Using a local lender can be beneficial and we recommend several lenders in the Desoto County area.
Tip #2 – Get An Inspection
Once you decide on a home you want to purchase, get a home inspection. You will need to have a licensed property inspector inspect the property. A home inspection typically includes an examination of heating and central air conditioning systems, interior plumbing, electrical systems, the roof, the attic, visible insulation, walls, ceilings, floors, windows, foundations and basements. Home inspectors represent the buyer and are paid by the buyer. The inspection helps ensure home buyers of the quality of their investment by making them aware of its current condition and alerting them to any major defects that could cost them down the road.
Tip #3 – Choose A Professional Closing Agent
Either a title company or an attorney will be selected as a closing agent. The closing agent will research the complete recorded history of the property to ensure that the title is free and clear of encumbrances by the date of closing and that all new encumbrances are properly added to the title. There may be recorded easements and encroachments, which limit the rights to use your property. A good closing agent will research this and be ready for you (without any surprises) when closing day comes around.
If you are ready to find your perfect Desoto County home, contact Team Couch of Birch Realty Group today!