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My husband and I recently got married over the summer and now want to start looking at houses. Where do we start?
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Congratulations on your marriage, and on your decision to buy a home!
The first place to start is by finding a reputable mortgage broker or bank. Banks can be good allies if you have a relationship with them, but can't always offer as many options as a broker. Mortgage brokers can "shop" the loan and find the best programs available for you. As a general rule, they will review your credit, two years of tax returns, and your assets in order to make a determination of how much house you can afford.
Your next step will be to find a real estate agent. Look for an agent that is familiar with your area, has a verifiable track record and that you feel comfortable with. If they are recommended by a friend or family member even better. Once you have found the one you wish to work with, he or she will go over your budget, preferences and timeframe and will then provide you with some options. Feedback on the listings you receive by email, or that you actually go to see is very important. Remember, the more information you provide to your agent, the better she (or he) will be able to determine what you are looking for- and find it for you!Good luck and Happy house hunting!
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