Joe Cline - Austin Real Estate Broker asked:
& lt; strong& WP; décider à to buy & lt; /strong& WP; & lt; br/& WP; The première étape of l& #39; d& purchase; #39; a house is d& #39; to try to include/understand what you will espérez to reach. When you begin à to think à to buy a new house, it ya much of questions which you should put, such as: Why would I like to go? How long do I go déménager? How long I can within life à the house? For certain people, the hiring or the setting except d& #39; purchase any à logical fact. You await à to make à your residence for the 3-5 years if you want éviter to lose l& #39; money à the house. & lt; br/& WP; & lt; strong& WP; Analyzes & needs; lt; /strong& WP; & lt; br/& WP; Once you have décidé that l& #39; accession à the propriété is right for you wish à décider a certain number of things: Which are caractA©ristic the most important for you in a house? How much do you want to invest in your house? With l& #39; origin? Every month? You have changes of lifestyle à to come, like l& #39; addition d& #39; a bébé, to have children à does to leave, or reprocess it? Which part of the city do you want to live? Qu& #39; this is school district which you want à your children à to go à l& #39; école? Once your objectives are clearly définis that you have your target. & lt; br/& WP; & lt; strong& WP; You pré-qualifiés & lt; /strong& WP; & lt; br/& WP; An important part of l& #39; d& purchase; #39; a house is d& #39; être qualifié for a prêt. You should obtain a & quot; pré-qualification& quot; letter before beginning research activates d& #39; a house. The majority of the prêteurs offer it by téléphone or with a simple questionnaire 1-page. That takes 20 minutes généralement. Some données, you must have your spouse and your name, addresses, numéros téléphone, numéro of sécurité social, and these two dernières années d& #39; employment, d& #39; dwelling, the bank, l& #39; credit d& #39; information and of the debt. If possible, should try d& to you; #39; to obtain pré-approuvés for a prêt which is more serious on the level of l& #39; engagement d& #39; a prAator d& #39; a pré-qualification. To receive a prêt pré-approval, all the uses and of crédit is vérifiée. That means that you êtes approuvé for prêt, subjected à a vA©rification of crédit and a apprA©ciation of the question of propriété. & lt; br/& WP; Ensure you to inform you about all the crédits dépenses (fresh of départ, points of handing-over, etc) and more about the expenses of clôture. The expenses of clôture are the expenses for the services, the taxes or of the expenses d& #39; intérêts which surrounds l& #39; d& purchase; #39; a house. They include/understand à l& #39; advances the points of prêt, insurance of titles, séquestre or of day of closing loads, document of taxes, intérêts payés d& #39; advances and land impôts. études show that the expenses of clôture, which can on average 2 à 3 percent of the price d& #39; total purchase of the house, are often more teux coÔ that many purchasers wait. Unless, these expenses are included in the prêt, they owe être payés when the house is fermée. Lastly, you ensure that your prAator provides an estimate in good faith according to the vérité in Lending Act (règlement Z). That allows you & quot; to compare apples with pommes” between the différents backers. & lt; br/& WP; & lt; strong& WP; Home Search & lt; /strong& WP; & lt; br/& WP; Après that you have trouvé a house that you want, répond à your needs, and has the potential, you will need for préparer an offer. Déterminer if the house is rather expensive by making a comparative analysis of the marché thorough. Then, l& #39; examination of the salesman in matière of disclosure and to make the adjustments nécessaires and d& #39; écrire your initial offer. The offers must include/understand a sérieuse vA©rification money (made à l& #39; company d& #39; a title), and an option d& #39; chèque money (libellé à l& #39; advertiser). & lt; br/& WP; Certain words in the paragraph précédent are not familiar May à you. We lean on them: & lt; br/& WP; & lt; br/& WP; Option Finances - chèque with the salesman, in échange of the absolute right of résilier l& #39; agreement for a déterminé number of days. This n& #39; is not trouvé in many à tats. & lt; br/& WP; & lt; br/& WP; Earnest Money - chèque a d& #39; a title à l& #39; company like a spectacle of & quot; good foi& quot; that you êtes sérieusement l& #39; intention d& #39; to buy the house. The amount is généralement around 1% of the value of the house. & lt; br/& WP; & lt; br/& WP; Count séquestre - an account spécial géré by the société which détient the title of your sérieux à closing d& #39; money. & lt; Br/& WP; & lt; br/& WP; & lt; br/& WP; Titrate Société - a company which vérifie the validité d& #39; a title and l& #39; offer d& #39; insurance for protéger against problèmes of all privilège on a real estate or clouds on a title. This company carries out également closing. & lt; br/& WP; & lt; br/& WP; Of clôture - the process of transfer of the title of the house of salesman à l& #39; purchaser (including l& #39; attribution of privilèges to the prêteurs hypothécaires). & lt; br/& WP; & lt; br/& WP; & lt; strong& WP; d& #39; inspection and of rA©paration & lt; /strong& WP; & lt; br/& WP; For protéger your intérêts, is structural and inspections effectués by the systèmes qualifiés inspectors of your choice. Your prAator you généralement also d& need; #39; a termite and destruction of the insects of wood (WDI) inspection. L& #39; inspection is an excellent occasion to put questions about your future residence and d& #39; to learn d& #39; important information on l& #39; place oà ¹ all is and how it functions. & lt; br/& WP; When the d& reports/ratios; #39; inspection to enter, you will owe décider if the house is acceptable & quot; in l& #39; état& quot;. If you need réparations à to make, then you will have à négocier with the salesman. à this stage, to make you against-offers à the request of the salesman, that is to say that réparations to be done before closing or of l& #39; money supplémentaire for you given être à clôture to cover the réparations. The salesman can négocier these points with us or décider not to continue à négocier. If the salesman refuses l& #39; offer and that you do not want to buy the house as it is, the contract falls à through, the salesman is free d& #39; to accept another offer, and your good money would be reversé à you. If you come à d& terms; #39; an amendment with the contract owe être made and we will give up à our option of rA©siliation. Then, you contact your prAator à a request d& #39; évaluation and to begin à to plan your déménagement. One day before closing or the même day, it is recommandé that you walk in the house for s& #39; to ensure that all is in order. That you protège of clôture on a house which has été endommagé in the process of déménager or which has été taking possession by another part. & lt; br/& WP; & lt; strong& WP; Of clôture & lt; /strong& WP; & lt; br/& WP; & lt; Br/& WP; The great day is finally arrivé! You will be able to examine the dA©claration of règlement (HUD-1) so that you can éclaircir all the questions before closing. The possession of the house occurs the même day généralement that the documents are signés, but sometimes a problème in the financing of the prêt to cause a delay in the possession. For this reason, it is préférable to leave one day (or more if l& #39; one clôture one Friday or a day before one day férié), you needs before being able emménager & lt; br/& WP; Après the clôture, you owe déposer a change d& #39; addresses. Déposer officially a form of change d& #39; addresses à your local post office or line à l& #39; advances so that your delivery of the mail will not be stopped. Many sociétés, such as the sociétés of charts of crédit and of subscriptions à reviews, to take 1 or 2 months for the d& treatment; #39; a change d& #39; addresses. & lt; br/& WP; Congrats! You êtes maintaining to trust propriétaire! & lt; br/& WP;
& lt; strong& WP; décider à to buy & lt; /strong& WP; & lt; br/& WP; The première étape of l& #39; d& purchase; #39; a house is d& #39; to try to include/understand what you will espérez to reach. When you begin à to think à to buy a new house, it ya much of questions which you should put, such as: Why would I like to go? How long do I go déménager? How long I can within life à the house? For certain people, the hiring or the setting except d& #39; purchase any à logical fact. You await à to make à your residence for the 3-5 years if you want éviter to lose l& #39; money à the house. & lt; br/& WP; & lt; strong& WP; Analyzes & needs; lt; /strong& WP; & lt; br/& WP; Once you have décidé that l& #39; accession à the propriété is right for you wish à décider a certain number of things: Which are caractA©ristic the most important for you in a house? How much do you want to invest in your house? With l& #39; origin? Every month? You have changes of lifestyle à to come, like l& #39; addition d& #39; a bébé, to have children à does to leave, or reprocess it? Which part of the city do you want to live? Qu& #39; this is school district which you want à your children à to go à l& #39; école? Once your objectives are clearly définis that you have your target. & lt; br/& WP; & lt; strong& WP; You pré-qualifiés & lt; /strong& WP; & lt; br/& WP; An important part of l& #39; d& purchase; #39; a house is d& #39; être qualifié for a prêt. You should obtain a & quot; pré-qualification& quot; letter before beginning research activates d& #39; a house. The majority of the prêteurs offer it by téléphone or with a simple questionnaire 1-page. That takes 20 minutes généralement. Some données, you must have your spouse and your name, addresses, numéros téléphone, numéro of sécurité social, and these two dernières années d& #39; employment, d& #39; dwelling, the bank, l& #39; credit d& #39; information and of the debt. If possible, should try d& to you; #39; to obtain pré-approuvés for a prêt which is more serious on the level of l& #39; engagement d& #39; a prAator d& #39; a pré-qualification. To receive a prêt pré-approval, all the uses and of crédit is vérifiée. That means that you êtes approuvé for prêt, subjected à a vA©rification of crédit and a apprA©ciation of the question of propriété. & lt; br/& WP; Ensure you to inform you about all the crédits dépenses (fresh of départ, points of handing-over, etc) and more about the expenses of clôture. The expenses of clôture are the expenses for the services, the taxes or of the expenses d& #39; intérêts which surrounds l& #39; d& purchase; #39; a house. They include/understand à l& #39; advances the points of prêt, insurance of titles, séquestre or of day of closing loads, document of taxes, intérêts payés d& #39; advances and land impôts. études show that the expenses of clôture, which can on average 2 à 3 percent of the price d& #39; total purchase of the house, are often more teux coÔ that many purchasers wait. Unless, these expenses are included in the prêt, they owe être payés when the house is fermée. Lastly, you ensure that your prAator provides an estimate in good faith according to the vérité in Lending Act (règlement Z). That allows you & quot; to compare apples with pommes” between the différents backers. & lt; br/& WP; & lt; strong& WP; Home Search & lt; /strong& WP; & lt; br/& WP; Après that you have trouvé a house that you want, répond à your needs, and has the potential, you will need for préparer an offer. Déterminer if the house is rather expensive by making a comparative analysis of the marché thorough. Then, l& #39; examination of the salesman in matière of disclosure and to make the adjustments nécessaires and d& #39; écrire your initial offer. The offers must include/understand a sérieuse vA©rification money (made à l& #39; company d& #39; a title), and an option d& #39; chèque money (libellé à l& #39; advertiser). & lt; br/& WP; Certain words in the paragraph précédent are not familiar May à you. We lean on them: & lt; br/& WP; & lt; br/& WP; Option Finances - chèque with the salesman, in échange of the absolute right of résilier l& #39; agreement for a déterminé number of days. This n& #39; is not trouvé in many à tats. & lt; br/& WP; & lt; br/& WP; Earnest Money - chèque a d& #39; a title à l& #39; company like a spectacle of & quot; good foi& quot; that you êtes sérieusement l& #39; intention d& #39; to buy the house. The amount is généralement around 1% of the value of the house. & lt; br/& WP; & lt; br/& WP; Count séquestre - an account spécial géré by the société which détient the title of your sérieux à closing d& #39; money. & lt; Br/& WP; & lt; br/& WP; & lt; br/& WP; Titrate Société - a company which vérifie the validité d& #39; a title and l& #39; offer d& #39; insurance for protéger against problèmes of all privilège on a real estate or clouds on a title. This company carries out également closing. & lt; br/& WP; & lt; br/& WP; Of clôture - the process of transfer of the title of the house of salesman à l& #39; purchaser (including l& #39; attribution of privilèges to the prêteurs hypothécaires). & lt; br/& WP; & lt; br/& WP; & lt; strong& WP; d& #39; inspection and of rA©paration & lt; /strong& WP; & lt; br/& WP; For protéger your intérêts, is structural and inspections effectués by the systèmes qualifiés inspectors of your choice. Your prAator you généralement also d& need; #39; a termite and destruction of the insects of wood (WDI) inspection. L& #39; inspection is an excellent occasion to put questions about your future residence and d& #39; to learn d& #39; important information on l& #39; place oà ¹ all is and how it functions. & lt; br/& WP; When the d& reports/ratios; #39; inspection to enter, you will owe décider if the house is acceptable & quot; in l& #39; état& quot;. If you need réparations à to make, then you will have à négocier with the salesman. à this stage, to make you against-offers à the request of the salesman, that is to say that réparations to be done before closing or of l& #39; money supplémentaire for you given être à clôture to cover the réparations. The salesman can négocier these points with us or décider not to continue à négocier. If the salesman refuses l& #39; offer and that you do not want to buy the house as it is, the contract falls à through, the salesman is free d& #39; to accept another offer, and your good money would be reversé à you. If you come à d& terms; #39; an amendment with the contract owe être made and we will give up à our option of rA©siliation. Then, you contact your prAator à a request d& #39; évaluation and to begin à to plan your déménagement. One day before closing or the même day, it is recommandé that you walk in the house for s& #39; to ensure that all is in order. That you protège of clôture on a house which has été endommagé in the process of déménager or which has été taking possession by another part. & lt; br/& WP; & lt; strong& WP; Of clôture & lt; /strong& WP; & lt; br/& WP; & lt; Br/& WP; The great day is finally arrivé! You will be able to examine the dA©claration of règlement (HUD-1) so that you can éclaircir all the questions before closing. The possession of the house occurs the même day généralement that the documents are signés, but sometimes a problème in the financing of the prêt to cause a delay in the possession. For this reason, it is préférable to leave one day (or more if l& #39; one clôture one Friday or a day before one day férié), you needs before being able emménager & lt; br/& WP; Après the clôture, you owe déposer a change d& #39; addresses. Déposer officially a form of change d& #39; addresses à your local post office or line à l& #39; advances so that your delivery of the mail will not be stopped. Many sociétés, such as the sociétés of charts of crédit and of subscriptions à reviews, to take 1 or 2 months for the d& treatment; #39; a change d& #39; addresses. & lt; br/& WP; Congrats! You êtes maintaining to trust propriétaire! & lt; br/& WP;
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