Tips for First Time Home Buyers

So you have earned enough money to buy a house but the problem is you do not have any idea where to start. That’s perfectly fine.  In fact, 90% of first time home buyers have experienced the same thing. And based from my personal experience, people tend to buy the house that fits their budget without further considering the countless factors when buying a house.  It is crucial for first time home buyers to be sensitive with the different elements involve in the process.

Before buying a house, one must carefully design a course of action. Doing this will reduce the amount of stress, regrets and ultimately prevent bad decisions along the way. Remember that buying a house can be one of the major investments you will ever make so understanding what you want and how you want it will be the fundamental questions you need to answer before buying the property.

Now, let us break down useful tips and pointers for first time home buyers.

  • List down your reasons and goals why you want to buy a home. Knowing your goals will help you identify the type of home suitable for your needs, budget, and mortgage. There are numerous options for home buyers when it comes to residential properties like a condo or a townhouse. Factors like the size, style, interior layout, neighbourhood, and location must be considered. From this point, you might get mystified because it seems that every option is ideal. This is where knowing your goals are important because it will aid you in deciding which type of home helps in reaching your goals.
  • Next is to determine your own budget and the amount of mortgage you are capable of.  The amount of mortgage that will be given will usually depend on the homebuyer’s income, job stability or existing debt.
  • Get the best help in town. Once you got your goals and amount of mortgage ready, get a good real estate agent in your area or someone you know or was referred by a trusted source to help you in buying your first ever home.  A real estate agent can help you in finding properties that might be suitable with your needs.  They usually keep an updated list of available homes in the area which makes it easier for the home hunting process. As a homebuyer, you can also look for available lists in various resources such as the web and papers and have it checked with your real estate agent. They can also help you in the negotiating and buying processes such as making offers with the seller, getting loans and insurance, paperwork, and inspections.
  • Calculate the total monthly housing cost including the taxes and insurance and closing costs. This will help you get a bigger picture on how much you will spend and see if it is viable.
  • Choose the most secured loan available.  First time home buyers are usually offered a wide variety of financing options by their own state.
  • Hire your own professional inspector.  The home you are eying to buy might appear faultless, don’t get too overconfident. Have it inspect carefully to ensure safety, security and overall quality. 

When closing the deal, brace yourself and get ready for tons of paperwork. Have your real estate agent keep close by your side so they could help you understand and secure everything you are signing on.

Josh writes for Scott Maizlish’s Park City Realtor Blog. Visit their website for Park City Real Estate news and updates. Or check them out at Scott Maizlish Park City Realtor’s Google + Page.

Top Tips To Save On Your First Home

Couple With A KeyWhether you’re just out of school and looking for ways to prepare for your future, planning a family or have decided you’re sick of being a renter, buying a house is one of the biggest endeavours you’ll embark on in your life.

No doubt you’ve already thought about the sort of mortgage you can afford and what kind of deposit you will need in this financial climate. Perhaps you’ve already set up some kind of high interest savings account or online basic bank account to keep your deposit money separate to your daily expenses. Or maybe you’ve only just decided to start saving. Either way, chances are you’re looking for more ways to save or ramp up your savings plans and here are some great tips that can help get you on the road to home ownership.

Move in with parent or take a boarder

If you’re lucky enough to have the option, why not consider moving back with your parents? However, to avoid the pitfalls and problems that often come with this scenario, approach your parents with a plan and definite length of stay. Tell them how much you can save by moving back in to their home and explain that you’ll pay for your own food and utilities. By setting up some solid ground rules, you should be able to convince them that it’s a good idea and avoid any resentment building.

If moving back home is not an option and you’ve got a spare room that’s become more like a storage facility why not consider getting a boarder to rent your room out for a short while. Often you will find students and travellers who will jump at the chance for a short term board opportunity. Keeping it to the short term will prevent any troublesome boarders becoming a long term issue.

Lifestyle changes

While you might think that you’re living close to the bone, chances are there are lots of ways that you can make changes to your current lifestyle that will help you to put away more pounds. Not only that, once you’ve got your very own mortgage, you’ll probably have to make adjustments to your lifestyle anyway. So see this as a good training ground to prepare for the financial constraints of home ownership.

Cancel any subscriptions, you don’t need the latest glossy every month and you probably don’t need streamed television or music on tap either. Instead, treat your self to the odd magazine now and then, or a second hand CD online.

If you love going out to dinner and seeing movies regularly, these are two very easy ways to save your money. But there’s no need to miss out on good food and films. Have friends over for dinner and rent a dvd instead. You could go out once a month instead and make it a really special occasion. Not only can you save money by cutting back on going out, if you set yourself a new cuisine to learn every month, you’ll be a gourmet cook by the end of the year.

Create a budget

Changes in lifestyle go hand in hand with creating a budget. And just like cutting back will help you to prepare for life with a mortgage, having a budget will also help to prepare you for paying off a mortgage. Unlike rent, you can’t miss a mortgage repayment unless you want to put a serious dent in your credit score, so having enough money for monthly repayments is crucial.

Creating a budget will not only help you get a realistic idea of what your income and expenses are, it will help you to recognise where you can make further cuts which will lead to further savings.

Take another job

While taking second job might sound like a big step, it doesn’t have to come in the form of working at your local shop. Perhaps you’ve got a skill or talent that you can put to good use. Do you play an instrument? Can you build websites? Are you a wiz on the computer, a keen ironer or a dab hand in the garden? All these skills can be traded for money, in form of services like ironing, lawn services, tutoring, music lessons or web design. These days it’s very easy cost effective to set up a small website to describe the services you provide. You could print up a few pamphlets and home deliver them in your local area and be well on your way to earning a few extra pounds a week.

Reporting from London, William Masters has established himself as an in-demand finance journalist for topics that range from international to personal finance, savings and loans to budgets and investments. Masters recommends www.eccount.com to anyone looking for an online basic bank account.

Checklist For Moving Your Home To A New Location

When it is time to move, it is time for decisions. The choices you make when planning a move will determine how your family handles the stress of moving. Properly planned your move can be an exciting adventure or it can be a depressing disaster.

The first thing you do is to make contact with a removals company for their ideas and suggestions for help in preparing for your move. They may want to come do a survey, which you should gratefully welcome. This allows their moving professionals to see what is involved and what will be needed. The things needed for preparation are considerably different if you are moving to another country or just down the lane to the next village. You can search for removals companies in your area online. For example if you lived in Cambridge you can search for Cambridge Removals.

Make sure you involve everyone in the family in the process of preparation for the move. Let the children inventory their things and identify things they would like to give away to charity. Things are worn out and used, may not be wanted anymore by your family but they may be wonderful things for a family in need. The bottom line is that what you move should only be items you expect to need at your new home.

Before any packing is done, make sure you take a written inventory of everything in the house. The best way to start is to make a video or take photographs of everything that will come on the move. This provides you with proof of items involved in the relocation. This type of data is necessary and probably required by your insurance company if a claim needs to be filed.

Check several times to be sure dangerous items are not transported with your personal items. No chemical agents, fuels or batteries should be packed away with any of your goods. Your removals agent can give you a list of dangerous or banned substances that cannot accompany your household goods.

Make sure that items you take with you personally are safely put away. Somehow it seems that something always gets packed that you needed to take with you. Avoid this problem by selecting things to take, for each person in the family, and storing them safely away.

Any items you plan to put in storage should be moved to storage before the main day of moving. Making multiple moves to different locations in the same day is not an experience you should want to endure.

The more you plan the better your move will proceed. Have the children research about the new place you will live, and plan the trip to get there. Keeping everyone involved is the key, along with good planning, to a fantastic moving experience.

Ursula Jones writes on a number of subjects including moving home and using removals companies. For Cambridge removals please see http://cambridgevanman.co.uk/

Buying Your Dream Home

Even though it’s not easy for everyone to buy a home, it is in fact easier than ever to get a home these days with most lending agencies and banks being more liberal than ever with providing home loans and mortgages. Even if you don’t have a lot of capital or a lot of money to put down, you can still get the home of your dreams at a very affordable price.

A lot of us think that buying a home is a tough process, needing a large down payment, although this isn’t always the case. Buying a home largely depends on your budget. If you put a down payment on your home purchase, it will go towards your overall purchase. The more money you put down on a home when you purchase, the lower your monthly payments will be.

Those of us who don’t own a home live in rental houses and apartments. This can be a worthwhile solution, although your still paying money towards your housing that you could instead be putting towards a home of your own. Owning a home is a dream for many of us, especially when it comes to that dream home that we all hope to own one day. Apartments and homes are great to rent – although most these days will cost you just as much as a mortgage payment – which doesn’t make any sense at all.

Instead, you can easily convert your rental payments into monthly installments towards your own home. All across the United States, you can find of lot of banks and lenders that offer easy to get loans for purchasing your own home or real estate property at low interest rates. With a lot interest rate, you can get the home of your dreams and enjoy low monthly payments.

Keep in mind, you need to choose a loan plan that’s best for you. You can go through bank, through a lender, or use a service online. There are many different ways that you can go, although real estate agents seem to be the most common now days. Good real estate agents will be more than willing to help you get a great deal on the home, at prices that are right for you. Anytime you buy a house, you should always plan ahead, get yourself a real estate agent, and then pursue your dream home.

If you plan your budget and take things one step at a time, you’ll be closer than you think to the home of your dreams. If you choose to keep renting and pay money toward something you don’t own – the home of your dreams will continue to slip away. Take action now and stop renting – find the home of your dreams and put your money towards owning it instead.

Homes for Sale | Abbotts View

Abbotts View subdivision, located in the North Fulton County area of Johns Creek in Fulton County, GA.

Abbotts View subdivision, Johns Creek, GA.  is conveniently located in North Fulton County near Abbotts  Bridge Road.  The neighborhood is only minutes away from fine shopping and dining at The Forum Mall area

Abbotts View is very close to outstanding amenities like, Abbotts Bar & Grill and Dynamo Swim Center.  Abbotts View is one of Johns Creeks most established and desirable neighborhoods

The outstanding local schools that serve are Wilson Creek Elementary School, River Trail Middle School and Northview High School the school buses make stops throughout the neighborhood.

Homes in Abbotts Vieware typically priced from the $400,000-$450,000, so there really are homes in a choice of price ranges for any Johns Creek or North Fulton home buyer.

 SEE ALL ABBOTTS VIEW HOMES FOR SALE:

Sorry, but we couldn't find any results in the MLS that match the specified search criteria.

Homes for Sale | Johns Creek Walk

Johns Creek Walk subdivision, located in the North Fulton County area of Johns Creek in Fulton County, GA.

Johns Creek Walk subdivision, Johns Creek, GA.  is conveniently located in North Fulton County near Medlock  Bridge Road.  The neighborhood is only minutes away from fine shopping and dining at North Point Mall area

Johns Creek Walk is very close to outstanding amenities like, Stoney River Steakhouse and Newton Park.  Johns Creek Walk is one of Johns Creeks most established and desirable neighborhoods

The outstanding local schools that serve are Wilson Creek Elementary School, River Trail Middle School and Northview High School the school buses make stops throughout the neighborhood.

Homes in Johns Creek Walkare typically priced from the $450,000-$485,000, so there really are homes in a choice of price ranges for any Johns Creek or North Fulton home buyer.

 SEE ALL JOHNS CREEK WALK HOMES FOR SALE:

  1. 3 beds, 4 baths
    Home size: 3,446 sq ft
    Broker reciprocity icon
  2. 3 beds, 4 baths
    Home size: 3,446 sq ft
    Lot size: 6,534 sqft

See all Real Estate in the Johns Creek Walk tract.
(all data current as of 10/19/2017)


FMLS Logo Listings on this website come from the FMLS IDX Compilation and may be held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work, please click here to review our DMCA policy and learn how to submit a takedown request. © 2017 FMLS.
Data last updated: 10/19/17 9:31 AM PDT.

Walk Score provided by walkscore.com.

The data relating to real estate for sale on this web site comes in part from the Broker ReciprocitySM Program of GAMLS. All real estate listings are marked with the GAMLS Broker ReciprocitySM thumbnail logo and detailed information about them includes the name of the listing brokers.

The broker providing these data believes them to be correct, but advises interested parties to confirm them before relying on them in a purchase decision.

Copyright 2017 GAMLS. All rights reserved.

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Homes for Sale | Jones Bridge Hills

Jones Bridge Hills subdivision, located in the North Fulton County area of Johns Creek in Fulton County, GA.

Jones Bridge Hills subdivision, Johns Creek, GA.  is conveniently located in North Fulton County near Jones Bridge Road.  The neighborhood is only minutes away from fine shopping and dining at North Point Mall area

Jones Bridge Hills is very close to outstanding amenities like, Outback Steakhouse and Autry Mill Nature Preserve and Heritage Center.  Jones Bridge Hills is one of Johns Creeks most established and desirable neighborhoods

The outstanding local schools that serve are Dolvin Elementary School, Autry Mill Middle School and Johns Creek High School the school buses make stops throughout the neighborhood.

Homes in Jones Bridge Hillsare typically priced from the $450,000-$485,000, so there really are homes in a choice of price ranges for any Johns Creek or North Fulton home buyer.

 SEE ALL JONES BRIDGE HILLS HOMES FOR SALE:

Sorry, but we couldn't find any results in the MLS that match the specified search criteria.

Homes for Sale | Quail Hollow

Quail Hollow subdivision, located in the North Fulton County area of Johns Creek in Fulton County, GA.

Quail Hollow subdivision, Johns Creek, GA.  is conveniently located in North Fulton County near Highway 141.  The neighborhood is only minutes away from fine shopping and dining at North Point Mall area

Quail Hollow is very close to outstanding amenities such as community events, fishing, golfing fine dining and local parks and recreation facilities.  Quail Hollow is one of Johns Creeks most established and desirable neighborhoods

The outstanding local schools that serve are Shakerag Elementary School, River Trail Middle School and Northview High School the school buses make stops throughout the neighborhood.

Homes in Quail Holloware typically priced from the $565,000-$650,000, so there really are homes in a choice of price ranges for any Johns Creek or North Fulton home buyer.

 SEE ALL QUAIL HOLLOW HOMES FOR SALE:

  1. 6 beds, 7 baths
    Home size: 6,943 sq ft
    Broker reciprocity icon
  2. 6 beds, 7 baths
    Home size: 6,943 sq ft
    Lot size: 34,020 sqft
  3. 3 beds, 2 baths
    Home size: 1,350 sq ft
    Broker reciprocity icon
  4. 4 beds, 4 baths
    Lot size: 14,374 sqft
  5. 4 beds, 4 baths
    Home size: 3,093 sq ft
    Broker reciprocity icon

See all Real Estate in the Quail Hollow tract.
(all data current as of 10/19/2017)


FMLS Logo Listings on this website come from the FMLS IDX Compilation and may be held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work, please click here to review our DMCA policy and learn how to submit a takedown request. © 2017 FMLS.
Data last updated: 10/19/17 9:31 AM PDT.

Walk Score provided by walkscore.com.

The data relating to real estate for sale on this web site comes in part from the Broker ReciprocitySM Program of GAMLS. All real estate listings are marked with the GAMLS Broker ReciprocitySM thumbnail logo and detailed information about them includes the name of the listing brokers.

The broker providing these data believes them to be correct, but advises interested parties to confirm them before relying on them in a purchase decision.

Copyright 2017 GAMLS. All rights reserved.

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Homes for Sale | St. Ives

St. Ives subdivision, located in the North Fulton County area of Johns Creek in Fulton County, GA.

St. Ives subdivision, Johns Creek, GA.  is conveniently located in North Fulton County near State Bridge Road.  The neighborhood is only minutes away from fine shopping and dining at North Point Mall area

St. Ives is very close to outstanding amenities such as premier golf clubs, fine dining and local parks and recreation facilities.  St. Ives is one of Johns Creeks most established and desirable neighborhoods

The outstanding local schools that serve are Wilson Creek Elementary School, River Trail Middle School and Johns Creek High School the school buses make stops throughout the neighborhood.

Homes in St. Ivesare typically priced from the $450,000-$3.000.000, so there really are homes in a choice of price ranges for any Johns Creek or North Fulton home buyer.

 SEE ALL ST. IVES HOMES FOR SALE:

  1. 5 beds, 5 baths
    Home size: 5,325 sq ft
    Broker reciprocity icon
  2. 5 beds, 5 baths
    Home size: 5,325 sq ft
    Lot size: 16,117 sqft
  3. 5 beds, 5 baths
    Lot size: 16,422 sqft
  4. 5 beds, 5 baths
    Home size: 6,261 sq ft
    Broker reciprocity icon
  5. 5 beds, 6 baths
    Broker reciprocity icon

See all Real Estate in the St Ives tract.
(all data current as of 10/19/2017)


FMLS Logo Listings on this website come from the FMLS IDX Compilation and may be held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work, please click here to review our DMCA policy and learn how to submit a takedown request. © 2017 FMLS.
Data last updated: 10/19/17 9:31 AM PDT.

Walk Score provided by walkscore.com.

The data relating to real estate for sale on this web site comes in part from the Broker ReciprocitySM Program of GAMLS. All real estate listings are marked with the GAMLS Broker ReciprocitySM thumbnail logo and detailed information about them includes the name of the listing brokers.

The broker providing these data believes them to be correct, but advises interested parties to confirm them before relying on them in a purchase decision.

Copyright 2017 GAMLS. All rights reserved.

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Homes for Sale | Rivermont

Rivermont subdivision, located in the North Fulton County area of Johns Creek in Fulton County, GA.

Rivermont subdivision, Johns Creek, GA.  is conveniently located in North Fulton County near Holcomb Bridge Road.  The neighborhood is only minutes away from fine shopping and dining at North Point Mall area

Rivermont is very close to outstanding amenities like restaurants, fine dining and local parks and recreation facilities.  Rivermont is one of Johns Creeks most established and desirable neighborhoods

The outstanding local schools that serve are Barnwell Elementary School, Haynes Bridge Middle School and Centennial High School the school buses make stops throughout the neighborhood.

Homes in Rivermontare typically priced from the $185,000-$365,000, so there really are homes in a choice of price ranges for any Johns Creek or North Fulton home buyer.

 SEE ALL RIVERMONT HOMES FOR SALE:

  1. 3 beds, 3 baths
    Lot size: 25,700 sqft
  2. 3 beds, 3 baths
    Home size: 3,025 sq ft
    Broker reciprocity icon
  3. 4 beds, 3 baths
    Home size: 1,917 sq ft
    Broker reciprocity icon
  4. 4 beds, 3 baths
    Home size: 3,137 sq ft
  5. 4 beds, 3 baths
    Home size: 3,137 sq ft
    Broker reciprocity icon

See all Real Estate in the Rivermont tract.
(all data current as of 10/19/2017)


FMLS Logo Listings on this website come from the FMLS IDX Compilation and may be held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work, please click here to review our DMCA policy and learn how to submit a takedown request. © 2017 FMLS.
Data last updated: 10/19/17 9:31 AM PDT.

Walk Score provided by walkscore.com.

The data relating to real estate for sale on this web site comes in part from the Broker ReciprocitySM Program of GAMLS. All real estate listings are marked with the GAMLS Broker ReciprocitySM thumbnail logo and detailed information about them includes the name of the listing brokers.

The broker providing these data believes them to be correct, but advises interested parties to confirm them before relying on them in a purchase decision.

Copyright 2017 GAMLS. All rights reserved.

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