Buying a home

It is wonderful experience; Depending on where you live in the world we are here to provide you the best property at a reasonable price with or without a broker. “Your agent may hear of properties that are going to come on the market soon, which could enable you to get a sneak peek at homes before other buyers. We also provide you the opportunity to buy your property directly from the seller without an intermediary.

To find a real estate agent, you can ask friends or family for referrals, or use a reputable website like ours: www.Dardja.com

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“If you’re laser-focused on a specific neighborhood, you’ll want to work with a neighborhood specialist—someone who knows the community like the back of their hand

Step No. 2: Get your financing squared away

Before you even lay eyes on a house, you should be looking at lenders. Why? Because lenders will help you get real about how much you can afford. They will determine how much money they’re willing to lend you by checking out your financial details, from your income to your credit score and more. Plus, if your finances are less than perfect, you’ll be able to find out in plenty of time to make amends.

“Depending on what shape your credit is in, it may take a couple of months to raise your score,” says Richard Redmond, mortgage broker at All California Mortgage in Larkspur and author of “Mortgages: The Insider’s Guide.”

There’s no magic spell to banish poor credit; the strategy will depend on your financial situation.

“For some people, it might make sense to pay off their credit card balances over the next couple of months, but that might not be the right move if you’re going to need the money for closing costs,” Redmond explains. Thus, it’s beneficial to get credit advice from a mortgage professional at least two to three months before you plan to buy.

If your credit score is strong (760 and above will qualify you for the best interest rates), getting a preapproval for a home loan now makes sense.

“Pre-approval is usually only good for 90 days,” says Redmond, “but it’s easy to renew it if the borrower’s financial picture doesn’t change. And when interest rates are trending upward, which they currently are, it’s better to lock in the rate sooner rather than later.”

Step No. 3: Start previewing homes

You’ll probably do an initial consultation with your agent to identify what type of home you want to buy. However, you won’t really know what type of home you’re looking for until you actually step inside some homes, says Lisa Cahill, co-owner of Evolve Real Estate in St. Petersburg, FL.

“Your criteria can change when you start to look at properties,” says Cahill. For example, you might think you need a home with 2,500 square feet of living space, but that number could change when you start seeing homes in person. Your real estate agent can alert you to go  to attend open house during the winter months.

Step No. 4: Scrutinize prospective neighborhoods

Have your sights set on a particular neighborhood? Winter is a good time to see whether the community is going to be a good fit.

“You can tell whether an area has good schools on paper, but there are a lot of things you can’t judge unless you go there in person,” says Cahill.

For instance, online research won’t show you what the noise level is during rush hour or what the neighbors are like (e.g., is it more for young families or older residents?). Those are things that you need to a pay more attention about: traffic? “Go and test-drive your commute,” says Yee.

Step No. 5: Don’t rule out buying early

Even if you had originally planned to buy later in the spring, what if you find a home you absolutely love earlier? If you’re willing and able to move earlier, then keep an open mind with respect to buying a home during the winter. Granted, there are fewer homes to choose from, but there’s also less competition.” You’re less likely to encounter a multiple offer situation,” says Yee. Translation: Don’t hesitate to make an offer in February or March if you find the perfect house.