1. Know how much บ้านมือสอง ราคาถูก you can afford before you start looking - Talk with a loan officer and get pre-qualified or pre-approved. This is always the best place to start and will save you a lot of time and effort. A lot of people make the mistake trying to do this after they find the perfect house, only to lose the chance of getting an offer accepted. Today most sellers want to see proof that buyers are capable of paying for their home before they take it off the market.
2. Hire a Buyers Agent to represent you - make sure you choose an agent with experience and knowledge of the area you are looking in. Hiring an agent means they will represent you and work in your best interests. Don't worry the seller is usually the one who pays their commission, which means you get to have an expert help you for free. They will help you through the entire process of buying a home, from showing you homes you are interested in, to writing the offer and helping with closing duties.
3. Go look at homes - Look at a handful of homes that are in your price range and that fit your criteria. You can look online yourself, and your agent will be able to send you listings and more detailed information on possible homes. The first couple of times you look at homes with your agent you'll be getting a feel for the neighborhoods and see what is available. Make sure to openly discuss what you like and don't like, so that you and your agent can work together to research and find the perfect home for you. After you know and understand what you want, you'll be ready to make an offer as soon as you find a home you really like. It's important to always be ready, because when you find a good home, it likely won't last long. Today homes in some areas of the country that are priced well are only staying on the market for a few days, and often times have multiple offers on them right away.
4. Make the offer - Your agent will write up an offer with you and you'll also need to write out a check for the earnest money to give the seller to show you're serious, usually about 1-2% of the asking price. It will go towards your down payment when the home closes, or you'll get it back if they don't accept your offer. Be prepared for counter offers and negotiations to occur.
5. Closing - After you have successfully made the offer and gotten acceptance for the house you like, you'll normally need to wait at least a few weeks before you can move in. During this time you'll need to secure your loan, and do things like have the home inspection, have any repairs, the appraisal, and any other contingencies made before you'll be able to get your hands on the keys to the house. Also, at the day of closing, you will need to make your down payment for the house, and pay for loan and title fees. Don't worry, if you are working with a good agent, all of this will be explained to you and they will help you out all the way until you move in to your new home!
These are just a few of the basics you'll want to understand when you buy a home.
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