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Six Simple Steps to Ensure a Smooth Home Purchase
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Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible:
1. Check your credit.
Before you apply for a home loan, regardless of your credit, it's a smart idea to obtain a copy of your credit report from the three major credit bureaus and review the information. If there are errors or things that need to be addressed, it's easier to address them before you have found a house, than after you have found a house and are trying to close your loan.
If you know that there are a few blemishes on your credit, let your lender know what they are, why they are there, and why you are a still good credit risk. Lenders look at your credit to determine how likely you will pay back the loan. If you had extenuating circumstances - like a loss of a job or medical bills - let them know so that they understand that it is not likely to happen again in the future.
2. Get approved before you buy.
An approval means that a lender has reviewed your credit history, verified your assets and employment, and has approved your loan before you have found a home to purchase. As long as the home appraises for at least the purchase price, the loan should close.
Getting approved also gives you an advantage over other buyers. Your firm approval makes it easier for you to negotiate on the price of a home, than a person who is not approved or is pre-qualified.
While getting pre-qualified may sound official, it is really just getting an idea of what you can afford. Its having a person plug in a few numbers that you give them - your monthly income and your monthly debt - and getting an approximate payment calculated. From the payment, the calculator can approximate the house price range that you can afford. No information is verified. Because your assets, income or credit is not verified, a pre-qualification has little value when purchasing a home.
3. Find a great buyer's agent.
Traditionally real estate agents represent the sellers in a transaction. When you are not working with a buyer's agent, they are less likely to negotiate the best price or contingencies for you.
A buyer's agent's job and fiduciary responsibility (meaning legal duty) is to you, the buyer. Before working with an agent, establish if they are a buyer's agent or a seller's agent. After spending a lot of time with a Realtor, it's natural to feel like you're a team. But if they are not negotiating for you, then they are not on your team.
For the remaining 3 steps, simply download the full report and they will be emailed to you immediately!
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What would be your favorite 'bonus' feature?
(A) Deck
(B) Fireplace
(C) Jacuzzi Tub
(D) Home Theatre
(E) 'Gourmet' Kitchen
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York Real Estate Home Search
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Seller's Toolkit About Me York Home Guide also York Values House Search
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Welcome: Welcome to yorkhomeguide.com. site for buying and selling a home in York or Manchester,Pa
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Search Historic Homes : Selling or buying an historic home? This is the place for details on this unique specialty market.
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Search By Municipality : listings in York, Manchester, Spring Grove, Central York, West York and East York, York Suburban.
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York Pa: Read all the latest local news and information in our York ,Pa Manchester,Pa blog (coming in December)
Local Real Estate Resources, Home Buying and Selling Resources, Business Resources
Private and Public Schools York is home to some of the finest private and Christian schools in the country.
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Local Churches The York area includes a very diverse array of religious institutions
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Home Sale Service Providers If you are buying or selling a home you will want to check out our service provider list.
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services, moving companies, local utility contacts, places to purchase moving boxes
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and everything else associated with the sale of your home
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Home Repair Service - Most of the suppliers on this list have requested a link on our web site.
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Their inclusion does not necessarily mean we have experience with their services.
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York Area Businesses - Favorite places to eat, play and visit in York County.
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York Sports - York is a great place to live if you’re a sports fan.
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York Attractions & Recreation - These are some of the most popular places to visit in the St. Louis area
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York County Municipal Links - York County,Pa Municipal Links
Contact Al Romero or brokers Realty In York ,Pa
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Contact Us: Contact AL Romero by phone, email or fax when buying or selling in York County
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About Us: All about your Agent- Alberto Romero 
Licensed in the Commonwealth of Pennsylvania
License #RB-061826-C
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