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How do you go about getting yourself in a house?

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June 02 2012 - Montclair
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A pre-approval letter from a mortgage broker or lending institution should be at the top of your list. Although time sensitive, this letter will give you confidence and will prove to sellers and or banks that you are a serious buyer, when the time comes to make an offer.

Make a wish list of what you are looking for in a home. Research neighborhoods that will fit your lifestyle, keeping in mind commute times for work, school etc..

Interview licensed real estate agents in the area that you are interested in. A real estate agent will be able to show you homes that meet your requirements and guide you through the home buying process, making it less stressful for you!   

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June 02 2012
I will start by reviewing your 3 credit reports to ensure your information is complete an accuratecthen , make corrections and necessary review again. After reviewing your credit then  get preaqualify by a trusted lender and third get yourself a good local realtor that communicates and  is available and mostly losten to tour needs!



best of luck,
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June 02 2012
Profile picture for the_country_hick
I usually just open the front door and walk in.

If you want to buy a house make sure it makes sense for you to do. Reading the 3 links below may give some some ideas to consider about buying you had not thought of before.

"How to determine what you can safely afford to pay towards your monthly mortgage payment. Lenders may give a different number. "

"Does it make more sense to buy, or to rent? Here is the way to find out for sure."

"Why rent if you could buy for less money? Valid reasons inside."
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June 02 2012
Profile picture for hpvanc
I recommend you start at the library to begin your education.  After you researched home buying at the library, where for various reasons the scam du jour has been filtered out, go back on line with your new found knowledge and continue your education.  Once you feel you have a good handle on the market and the process, start attending some open houses, hopefully this phase will be long enough that a few of the open housed you went to sell, reinforcing your ability to estimate value.

Then with a fully developed budget of what you can afford, and knowledge of values in the market, go to a lender to validate you can afford what you are hoping for (if you can afford more, great but stick to your original decision anyway).  After all that, then contact several agents interview them rigorously and start looking based on your (not necessarily your maximum approval) determined budget.

Good luck!
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June 02 2012
Profile picture for wetdawgs
Dunes is right on.  The last step, when everything else is in line, is to find an agent.    As with all professions, there are great agents, lousy agents and every where in between.   Recognize you are getting involved in a huge financial transaction, so interview rigorously.
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June 02 2012
Profile picture for Dunes ..
The first step is NOT to run out and find a Full-Time Realtor who will tell you what lender to use...that's just silly
Selecting an Agent and Lender is an important decision not an arbitrary selection...Agents are selling services and you have a lot at risk so don't risk tossing it all away by not selecting very very carefully

 
Huge Move..Huge Financial Obligation...Huge Decisions
Become informed and then become more informed..
Here are just a few of the things imo you should become familiar with


Browse here...Provided by the Federal Gov
Find the Right Loan, you can search for specific information, compare options, or take a short questionnaire to determine your eligibility for each program. GovLoan.com

Hud Site..Read this info and read it again, check out the Links/Resources...First Time Home Buyer Info about the Process & Excellent Info/Resources for any Buyer..Buying a Home

Browse..get some idea of what's out there..programs
REO-Bank Owned Properties
Many Banks have created Sites for the Public to use (For Free) to view and find Information about the Properties they have Listed for Sale
Sites Like..Bank of America...Wells Fargo

You can find links to Bank sites here...Link

The Fed Gov has Sites for its Properties for sale
HUD Homes...Fannie Mae
You can find the links to all the Gov sites here...Link

Everyone imo should read the Information on the Department Of Justice
Anti-Trust Division Web Site about all the options Consumers actually have
New business models are emerging that allow consumers to save thousands of dollars when they buy or sell a home



Life changing time...Step up to the Plate..Protect yourself

Good Luck
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June 02 2012
Your first step should be to find a full tiime Realtor who specializes in the area you wish to live.  At that point your Realtor will refer you to a reliable mortgage representative who will pre-qualify and let you know how much you can afford to buy.  Then you will begin to view homes and pick one!  Happy House Hunting!
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June 02 2012
 
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