Knowing what to look for when buying a house, will make the process much easier. Here are several important things to consider when looking for a house.
1. Look for a house that you can actually afford
Believe it or not, this one is hard to do, but it is very important to remember. I cannot tell you how many times I have heard of couples and families who have bought a house with a mortgage that was too large for them to maintain. Later they ended up either losing their house or having to refinance for a longer mortgage term. This happens when you look for a house that your income cannot afford. Experts and lenders recommend that your mortgage expense exceed no more than 25% of your monthly income. To figure out what kind of mortgage you can afford, calculate your monthly income and take 25%. This will show you just how much money you can put towards your mortgage each month. Then, make sure that the sale prices of the houses you look at will fit with a monthly mortgage you can afford. Remember, don't get greedy when looking for a house, but keep 25% as your standard. This will save you a lot of trouble and headaches in the future. You can always add-on or move to a larger house as your income allows.
2. Consider the Neighborhood and School District
You may be in your home for a while, so you want to make sure that both your neighbors and school district will be a good fit for you and your family. Check with the local city about crime rates and talk to the neighbors around the house that you're looking at to get a feel of the neighborhood. If you're thinking about staying in your house for a long period of time and have kids, make sure you research some of the ฝากขายอาคารพาณิชย์ aspects of the school district you will be moving into. School districts often exhibit different strengths including academics, athletics, and fine arts. Consider your family's needs and be careful to choose a district that will work best for your family.
3. Make sure you're close your families' interests
Look for a house that's near places of interest to you and your family. Whether that's work, church, sports leagues, or even a particular grocery store you prefer, look for a home that is close or at least easily accessible to all of those places.
4. Look for a good foundation
Be prepared to look past the beautiful paint colors and large bathroom and kitchen. Make sure you look at the foundation and basic structure of the house. Sagging floors, leaking ceilings, or a cracked foundation are all signs of a poorly structured house. While the house may look good now, poor structure and foundation can lead to a lot of problems later. Any repairs that are needed should be calculated into your mortgage expense, so make sure you get an estimate on any needed repairs before saying yes to the house.
5. Check the basics
When you are looking at a house make sure you check things like electricity, plumbing, roof, and the furnace. Check to see if they work well, that there are no leaks, and that the furnace is up to date and running. When you walk through the house, check the light switches and faucets to make sure they all work. Once you become seriously interested in a house, make sure you have it inspected by a professional before you make an offer to make sure that you won't have a lot of extra expenses after you purchase your house.
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