NJ Homes By David

Buying a home is one of the most significant investments you can make in your life.  Therefore, you need a professional assistant who can provide you detailed information in order for you to make intelligent decisions.  This process is challenging for most buyers, since they are not just looking for a “dwelling” per se, but are looking for a home.  A place to bring up the family, a place for their children to grow up.

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These are the steps to follow to became a home owner: 

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• Choose the area where would you like to live.

• Decide what type of property you want to buy, according your needs, is the best for your family.

• 3 elements to be ready to get a mortgage. Credit score, down payment and proof of income.

• Contact your mortgage lender in order to get your pre-approval letter and have clear what type of mortgage option is the best option for you.

• Setup a budget regarding your monthly payments depending on the kind of house you have chosen and have clear the closing expenses involved in the transaction.

• Contact a real estate agent when you start searching properties.  I am here to help you.

• Understand the market value of houses in the area of your purchase.

• Learn how you can make a great offer.

• Negotiating the final price is a great economical saving.

• Get the contract accepted, reviewed by your attorney (in New Jersey), and go under contract.

• Be careful with the money deposited as an earnest payment.

• Get the house inspected by a certified inspector.

• Check and review the details from the inspection report.

• Get some repairs done by the seller if possible or get credit for same.

• Get the home appraised through your mortgage representative.

• Get your home and title insurance.

• Get your mortgage financing statement in writing and understand it clearly.

• Be careful with your credit while you are buying a house.

• Check the house thoroughly prior to closing.

• Check all closing documents to make sure everything is correct, sign them and get your keys.

• CONGRATULATIONS!!!  You have finished the process and you are the new homeowner.

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I am here to guide you throughout the process to make your dream come true!!!