first time home buyer tips


Purchasing a home is an exciting time but don’t let yourself get carried away with all the excitement. Keep a level head so you choose the right home without jeopardizing your financial security. Here are a couple of tips that might help.

Try to pay off debt quickly

Homes are an expensive investment. In fact, you are more than just paying for the actual value of the house. There are other associated costs to purchasing a house such as taxes, insurance, and maintenance cost. Because of this, most people need to apply for a mortgage in purchasing their house which they pay off long term. However, people underestimate interest rates especially when you consider it in the long term. The faster your pay off the mortgage, say 10 years instead of 15 or 20, the less you have to pay in interest.

Pick the house you can afford

When you shop for your very first home, you have to make sure that you are choosing the house that you can afford. The last thing you want is to spend the entire time living in a big home worried if you’re going to make the next mortgage payment. Better to have a house just right for your future plans while still having enough financial flexibility. Instead of going for the 5-bedroom-2-and-a-half-bath mcMansion, a modest 2 bedroom that you fill with memories is also financially practical.

Save up on a downpayment

Don’t let the excitement of getting your place get in the way of you spending irresponsibly. If you plan to purchase a house, make sure you’ve saved enough for the down payment. Not only is this a good sign of financial maturity but you also save on monthly interest in the long run. Many experts recommend saving up to 20% of the total cost of the home as down payment.

Get pre-approved

Once you’ve saved up on your downpayment and you’ve also narrowed down your choice of property, the next you have to do is get pre-approved to compare rates on different mortgages. Most first-time home buyers only request quotes from one lender but this is bad practice. Doing a little more research and getting quotes from other lenders will allow you to see which offer the least rates. A good rule of thumb is to compare rates from at least 3 different lenders.

Contact a professional real estate agent

Think of buying your first home as going to the doctor or buying a good audio recorder. These are fields that most people are not familiar with and should therefore turn to the experts. This is the role of real estate agents – they make the complex process of purchasing a home simple and easy. But you have to be conscious of which agent to hire. Scout around for the best ones in your area and meet them one by one and see if you can work together as buying a home is a lengthy process, often taking a couple of months to years.

Look at multiple homes

Once you’ve established a good working relationship with a good real estate agent, now is the time to start looking at houses. For many, this is the fun part. You get to enjoy going through different houses and comparing their various features such as the number of beds, location, age, and many more. Consider other factors in selecting your new home like schools nearby, commercial areas, quality of healthcare, and hospitals.

Inspection and closing

Before closing the deal on your new home, you first have to get inspected. This will include foundation check, attic space, roof, exterior checks, electrical circuitry, power outlets, thermostat, heating & cooling, and ventilation. The last step in buying a house is closing which takes about a month.


Eliza Brooks is an avid blogger and frequent traveler who writes about home improvement, travel, and the latest trends in emerging technologies. She is currently working with EyeSpySupply, which offers a wide range of surveillance equipment, including spy wireless cameras, nanny cams, vehicle tracking devices, voice-activated audio recorder, and more.

4,845 thoughts on “7 TIPS FOR FIRST TIME HOME BUYERS

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  54. Abonnez-vous pour ГЄtre averti des nouveaux articles publiГ©s. CollГЁge Claude Cornac Si tu fais des fiches rГ©guliГЁrement, il arrivera un moment oГ№ tu auras du mal Г  les classer. Alveus te conseille d’utiliser un petit classeur, qui sera consacrГ© seulement aux fiches de rГ©visions, avec un intercalaire par matiГЁre. Ce classeur deviendra le Graal pour avoir de bonnes notes ! Avertissez-moi par e-mail des nouveaux commentaires. Archives 2020-2021 Packs pГ©dagogiques de la maternelle Г  la 6ГЁme pour l’Г©cole Г  la maison, l’instruction en famille (IEF).1ere semaine en libre tГ©lГ©chargement. i) Etude de la langue 1 Javascript doit ГЄtre activГ© dans votre navigateur pour utiliser toutes les fonctionnalitГ©s de ce site. Aider mon enfant Г  passer le brevet La note de synthèse n’est pas un résumé de textes. Vous devez analyser les documents du dossier et faire des liens entre chacun d’eux. L’intitulé du sujet est le fil directeur de votre devoir, c’est l’élément clé qui va lier les différents textes entre eux. Cette question du repпїЅrage se retrouve dans notre cas au niveau de la sпїЅlection du document, mais il est important de savoir comment sпїЅy prendre dans une пїЅ synthпїЅse de document traditionnelle пїЅ. Vous ne devez pas utiliser la formulation В« l’auteur dit que В» ou une autre expression similaire. Vous n’intervenez pas personnellement comme lorsque vous Г©crivez une dissertation ou un commentaire composГ©. On ne vous demande pas de donner votre point de vue, de faire une analyse ou un commentaire quelconque.

  55. A randomized, double-blind trial from Johns Hopkins in 2016 found that a single dose of psilocybin substantially improved quality of life and decreased depression and anxiety in people with life-threatening cancer diagnoses. В© The Johns Hopkins University, The Johns Hopkins Hospital, and Johns Hopkins Health System. All rights reserved. The field of psychedelic-enhanced therapy has increasingly garnered interest among investors, including big names like billionaire investor Peter Thiel. Like everything in nature, magic mushrooms are subject to the effects of their surrounding environment. These variables (what Paul Stamets calls “a constellation of factors” 1) include temperature, soil conditions, humidity, competition for resources, and the impact of diseases and predators. Changes in one or more variables effect where magic mushrooms grow, when, how well, and the compounds they contain as well as the amounts of them. Enforcing a law that was increasingly disregarded became a problem. So, a government inquiry was commissioned to examine the issue and put forward a solution. The Le Dain Commission of Inquiry did extensive research, consulted experts and held public hearings across the country over a three-year period. A report was published in 1972.4 Asked if the CBP’s stance might be too severe, Malin says that her agency is simply enforcing U.S. immigration law. And while the law could change, she says, there is no indication that the agency will change how it enforces the current law. This final report of Health Canada’s Task Force on Cannabis Legalization and Regulation summarizes the perspectives gathered through consultation and advises on a new system for regulated access to cannabis in Canada. The Cannabis Act has several measures that help prevent youth from accessing cannabis. These include both age restrictions and restricting promotion of cannabis.

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