Simplify the new home-buying process

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Searching new homes for your family can be an intimidating process. Here are three tips to streamline this endeavor and to help make your experience a pleasant one.

1. Get your financial house in order
   • Your credit score plays a key role in the mortgage-approval process. It pays to take a good look at your credit reports and correct any errors before you begin searching for a new home. A clean financial record and a high score will help ensure you get the best possible interest rate and loan terms.
   • Pay down debt and don’t incur any new debt before you shop for a home as mortgage terms are based on debt-to-income ratios.
   • Create a household budget and include categories such as repairs and maintenance and decorating for your new situation.
   
   
2. Get pre-qualified When you get pre-qualified, you don’t have to guess how much house you can afford. You can hone in on the details of finding your dream home. You also boost your bargaining power considerably. Whom do you think the seller is going to favor, the buyer who says he has the money or the one who can prove it?



3. Enjoy the buyer’s agent advantage A traditional real estate agent looks out for the seller, not the home buyer. A Buyer’s Agent works for you, and only you. He has no vested interest. You can lean on your Buyer’s Agent when you have any questions about the home-buying process. They can help you find a lender, answer questions about neighborhoods and school systems, and take you all the way through the new home-buying process from presenting floor plans to sitting next to you at closing to joining you at your final walkthrough and beyond. You’ll never have to question your Buyer’s Agent’s loyalty.