🏡 Top Tips Before Buying a Home
1. Get Pre-Approved, Not Just Pre-Qualified
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A pre-approval shows sellers you’re serious and financially ready. It also tells you exactly what you can afford, avoiding heartbreak later. Talk with me and I can suggest some loan officer you can talk with.
2. Know Your Budget (Beyond the Mortgage)
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Factor in taxes, insurance, HOA fees, utility costs, and maintenance. I help buyers run realistic numbers so you’re confident, not cash-strapped.
3. Define Your Must-Haves vs. Nice-to-Haves
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Be clear on what’s non-negotiable (3 bedrooms? Walk-out basement?) and what’s flexible (finished basement, extra garage). This narrows your search and saves time.
4. Research Neighborhoods
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School districts, commute times, walkability, future development—these all impact your lifestyle and resale value.
5. Avoid Big Financial Changes
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Don’t open new credit cards, finance furniture, or switch jobs during the buying process. These can mess with your loan approval, even after pre-approval.
6. Attend Open Houses & Private Showings
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Pictures don’t always tell the full story. Get a feel for layout, lighting, noise, and the neighborhood vibe. I’ll schedule private tours that work around your life.
7. Don’t Skip the Inspection
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Even in a competitive market, always get a home inspection. You need to know what you’re buying. It’s your best protection.
8. Understand the Market
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Is it a buyer’s or seller’s market? Are homes selling in days or lingering? I’ll help you time your move right and strategize your offer accordingly.
9. Be Ready to Act Fast—but Don’t Rush
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Especially in hot areas like Monroe County or downriver communities, good homes move fast. Be prepared but never pressured. I’ll make sure you’re confident in your decision.
10. Choose the Right REALTOR®
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Buying a home is emotional and complex—your agent should be your advocate, educator, and negotiator. I treat every purchase like it’s my own investment.
