Recommended for you

Helpful Tips For First Time Home Buyers

Buying a home for the first time might seem frustrating, but it actually is not when you have a guidance.

Jul 24, 2019

https://smartasset.com/mortgage/first-time-homebuyer-programs

Are you thinking to buy a home but have no idea how, or where to start? This article is for you and will guide you on how to begin your first home search.

Tip # 1) Find Out How Much A Home You Can Afford

You can find this by finding out how much your income is and also how much your debt is. It is also important to have a down payment. Banks prefer a down payment of 20%, but there are also other kinds of loans for less than 20% down payment available.

Tip # 2 Look For The Right Home For You

After figuring out how much a home you can afford, you are now ready to look at homes based on that price. Make a list of the area(s) you prefer, the schools you want for your kid(s), the features you want in the home, like the number of bedrooms, bathrooms, living areas, square footage, and so forth. Doing this will help you find the home you want quicker. It is also very important to hire the right realtor to help you with your home search.

Tip # 3 Shop Around For A Loan

The number one mistakes made by home buyers is not shopping around for a mortgage! Always tell the truth one shopping for mortgage quotes. The mortgage can vary based on your down payment, credit history, income, assets, and debt. So please be honest with all the information you provide. Don't hesitate to get mortgage quotes with more than one bank/lender. This will expand your options and help you find the mortgage that is more right for you and for your situation.

Tip # 4 Get A Loan Pre-Qualification Letter

At this point, you should know what kind of home you're looking for and where you would like to live in. The pre-approval is very important to have once you like a house and want to make an offer on it. Without a loan pre-approval letter, sellers have no idea how you plan to buy a house. The pre-approval is your key to buying any house. It should sellers that you have a way of financing for their house which you want to purchase.

The main key to looking to buy a house is hiring the right people to help you reach your goal. Hire the right realtor and you will be in good hands. Remember to always shop for mortgage quotes until you find one that saves you more and works better for you.

25 Beatles Lyrics: Your Go-To Guide for Every Situation

The Best Lines from the Fab Four

SUNY Binghamton

30736

Wikipedia Commons

For as long as I can remember, I have been listening to The Beatles. Every year, my mom would appropriately blast “Birthday” on anyone’s birthday. I knew all of the words to “Back In The U.S.S.R” by the time I was 5 (Even though I had no idea what or where the U.S.S.R was). I grew up with John, Paul, George, and Ringo instead Justin, JC, Joey, Chris and Lance (I had to google N*SYNC to remember their names). The highlight of my short life was Paul McCartney in concert twice. I’m not someone to “fangirl” but those days I fangirled hard. The music of The Beatles has gotten me through everything. Their songs have brought me more joy, peace, and comfort. I can listen to them in any situation and find what I need. Here are the best lyrics from The Beatles for every and any occasion.

Keep Reading...Show less

best beatles lyrics

Student Life

Waitlisted for a College Class? Here's What to Do!

Dealing with the inevitable realities of college life.

Smith College

94592

college students waiting in a long line in the hallway

StableDiffusion

Course registration at college can be a big hassle and is almost never talked about. Classes you want to take fill up before you get a chance to register. You might change your mind about a class you want to take and must struggle to find another class to fit in the same time period. You also have to make sure no classes clash by time. Like I said, it's a big hassle.

This semester, I was waitlisted for two classes. Most people in this situation, especially first years, freak out because they don't know what to do. Here is what you should do when this happens.

Keep Reading...Show less

waitlisted

Recommended for you

Helpful Tips For First Time Home Buyers

Buying a home for the first time might seem frustrating, but it actually is not when you have a guidance.

Subscribe to our Newsletter

The Best Lines from the Fab Four

And in the end, the love you take is equal to the love you make

The sun is up, the sky is blue, it's beautiful and so are you

Love is old, love is new, love is all, love is you

There's nowhere you can be that isn't where you're meant to be

Life is very short, and there's no time for fussing and fighting, my friend

He say, "I know you, you know me", One thing I can tell you is you got to be free

Oh please, say to me, You'll let me be your man. And please say to me, You'll let me hold your hand

It was twenty years ago today, Sgt. Pepper taught the band to play. They've been going in and out of style, but they're guaranteed to raise a smile

Living is easy with eyes closed, misunderstanding all you see

Can you hear me? When it rains and shine, it's just a state of mind

Little darling, it's been long cold lonely winter. Little darling, it feels like years since it' s been here. Here comes the sun, Here comes the sun, and I say it's alright

We danced through the night and we held each other tight, and before too long I fell in love with her. Now, I'll never dance with another when I saw her standing there

I love you, I love you, I love you, that's all I want to say

You say you want a revolution. Well you know, we all want to change the world

All the lonely people, where do they all come from. All the lonely people, where do they all belong

Oh, I get by with a little help from my friends

Hey Jude, don't make it bad. Take a sad song and make it better

Yesterday, all my troubles seemed so far away. Now it looks as though they're here to stay. Oh, I believe in yesterday

And when the brokenhearted people, living in the world agree, there will be an answer, let it be.

And anytime you feel the pain, Hey Jude, refrain. Don't carry the world upon your shoulders

I'll give you all I got to give if you say you'll love me too. I may not have a lot to give but what I got I'll give to you. I don't care too much for money. Money can't buy me love

All you need is love, love is all you need

Whisper words of wisdom, let it be

Blackbird singing in the dead of night, Take these broken wings and learn to fly. All your life, You were only waiting for this moment to arise

Though I know I'll never lose affection, for people and things that went before. I know I'll often stop and think about them. In my life, I love you more

Obviously the best superpower.

There have been many lessons learned.

1. The importance of traditions.

2. How to be thankful for family and friends.

3. How to give back.

4. What the word "community" really means.

5. That it isn't about the destination, but the journey.

6. The consequences of making bad choices.

7. To trust people, until you have a reason not to.

8. To be welcoming and accepting of everyone.

9. How to be my own, individual person.

10. How to work for what I want.

11. How to be great at giving directions.

12. How to be humble.

13. To be well-rounded.

14. How to be great at conflict resolution.

15. The beauty of getting outside and exploring.

16. To be prepared for anything.

17. That you don't always have to do it alone.

18. How to be creative.

19. To brush off gossip.

I have never been so thankful to know you.

Dealing with the inevitable realities of college life.

Don't freak out

Email the professor

Attend the first class

Keep attending class

Have a backup plan

Remember that everything works out at the end

Trending Topics

Top Creators

Trending Stories

Best of Lifestyle

Subscribe to Our Newsletter

Facebook Comments

Subscribe to our
Newsletter