Posts with tag 'Home-buying tips'

Applying for a mortgage means your financial situation is under close scrutiny and that applies even more so when you're self-employed. But that certainly doesn't mean that you can't get a mortgage or that you'll never be able to buy Beavercreek homes for sale. Many self-employed people successfully buy houses every year. But you may encounter a few more stumbling blocks along the way. So what can you do to make the process go as smoothly as possible? These tips can help.

1. Keep good records and have the right documentation available. Lenders need to assess your ability to pay back the loan before you get approved. It can be a little more difficult to prove you have that ability when you're self-employed. You don't have the paper trail of pay stubs and W-2s other borrowers can rely on. You will need to produce more verification of your consistent income. In general, lenders will want at least two years of tax returns, a 1099 form, and a profit and loss statement if you are a business owner. You will also need monthly or quarterly statements from your bank and investment accounts.

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All the excitement of buying the perfect home after a long and hectic search can be one of the best feelings in the world. In the excitement of the final steps, however, things can be forgotten. We make a point of reminding those about to close on a Beavercreek home for sale to make sure and schedule a final walkthrough about a week before the closing.

This final step helps to ensure that the house you're getting is exactly as promised. This includes making sure agreed-upon items are left behind, such as appliances, and checking that all required repairs have been made. You'll also have a final chance to check for things like infestations and water damage, which may not have been apparent if the previous owners were still living in the house when you toured it. Seven things you will want to examine are:

1. Exterior. Make sure all the gutters are in good condition, and there isn't any damage from bad weather since originally inspected. Look for missing flowers, trees, and shrubs. Some people actually take these things with them.

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After spending weeks, months, or even longer looking at Beavercreek homes for sale, you've finally found the perfect one. Congratulations!

Once your offer is accepted, the next step is to schedule a home inspection. While most inspections go off without a hitch, there are times when something unexpected pops up. If this happens to you, don't panic. Here's what you need to do next.

• Have the Right Mindset
  Suddenly finding out there's a major problem with your dream home can make you feel like your dreams have been dashed. Do your best to stay calm and remember that a less-than-stellar home inspection is sometimes a blessing in disguise.
  
  Most problems aren't actually deal-breakers, and they can give you some pretty powerful leverage when it comes to re-negotiating your contract. Approach the issue with a strategic mindset and focus on making one decision at a time.

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After viewing many great Beavercreek homes for sale, you've finally found the one that is perfect for your family. Now that you're ready to make an offer, our REALTORS® want to help make this process as easy and successful as possible for you. Buying a home is a huge milestone, and while we share in your excitement, we also want our buyers to be prepared for potential hurdles that may slow the process — particularly an obstacle that many home buyers refer to as a "bidding war."

Contrary to the phrase, competition between buyers is actually a civil event that often occurs when a property's features, location, and price appeals to a large number of potential buyers. Thankfully, our agents have successfully represented many homeowners during the springtime when buyer competition is often higher. We've gathered five effective strategies that you can use when bidding on a home in Beavercreek this spring.

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It's the most wonderful time of the year, and Christmas is just around the corner. Hopefully, you've started your shopping lists and have gathered a few ideas of what your friends and family want this year.

Have any of your loved ones recently moved into one of our Beavercreek homes? Our REALTORS® have created this list of eight holiday gifts for first-time home buyers.

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