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Search For Sale
First Time Buyers
What is my home worth?
To-Do List for First Time Buyers
Escrow for insurance and taxes.
IMPROVE CREDIT SCORE
Stay current on bills.
No major purchases.
Don't cancle any cards.
Higher credit score = lower interest rate.
Find out your credit score -
Figure out what you can afford.
GET MORTGAGE PREAPPROVAL
Shop for the best deals.
Choose primary and backup lenders.
DECIDE: WHAT YOU WANT IN A HOME
CHOOSE A REATLOR: SILVESTRI TEAM
Two is better then one! The Silvestri Team will be there to walk you through every step of the transaction.
Take photos, make notes.
Home shopping checklist -
Visit the neighborhood during the day and at night to gauge traffic, noise, etc.
Consider resale value.
MAKE AN OFFER
Common contingency opt-outs:
if home appraises for less than mortgage.
if inspection reveals flaws owners wont fix.
if you lose your job before the deal closes.
SCHEDULE HOME INSPECTION
It is important to hire a home inspector as they will do a thourough search of the property to identify any health and safety problems, positive or negative.
MAKE FINAL WALK-THROUGH
Test light switches, sockets.
Check that windows and doors work.
Test faucets, drains, toilets.
CLOSE AND MOVE IN!