第一步:提出棘手的问题

When buying a home you want to be sure you aren’t making any hasty decisions or just doing it because it's the norm and what your friends are doing. 这是关于你，只有你想成为一个 房主. After asking yourself the questions above, I am going to assume you said yes to each. 好戏就要开始了.

第二步:考虑个人财务状况

Creating a price zone for yourself all depends on knowing what you can afford. 一定要记录你的信用评分, the better the score the easier it will be to get approved for a loan. Determine how much you have saved for a downpayment and how much you still need to save. A downpayment is specific to each home and area of choice. 新兴城市的新发展是这样的 likely to require a smaller down payment because they are looking for young people to move in. So do some research in the area of which you are looking to purchase your future home.

第三步:调查当地市场

早在你出价买房之前, you should be monitoring the condition of the market in the area where you are intending to purchase property. 密切关注家里的情况 your price range by looking at the amount of time they are actually staying on the market, as well as if there are any big shifts in the asking price. 与当地房地产经纪人合作可以帮助你 理解关键数据点.

步骤4:预批准流程

Getting pre-approved for a big purchase like this is necessary. You might be able to guess what your house budget is based on your finances and credit score, 但与贷款者交谈是有意愿的 帮助您确定一个具体的数字. In 订单 to get pre-approved for a mortgage (AKA Loan), you will have to provide your lender with some financial information, 包括你的债务和资产.

第五步:设定优先级

You might be looking for a lot of different things in your first home. But understanding which is most important to you will make the decision much easier for you. 对自己要现实 and your budget as well as what you are willing to handle. Maybe you are wanting a home with multiple acres yet you may be unaware of how much time and maintenance it really takes to upkeep the 属性的大小. A property of greater size could lead to additional expenses like hiring a gardener or taking personal time from your other activities and busy life. 也许你想 住在一个小一点的干净的社区. Researching the neighborhood and HOA is also important. My current HOA doesn't let you park cars on the street past a certain time and even tickets you if 你的草是棕色的. As a young adult these are things you will want to take into consideration when finding your perfect home.

第六步:找中介就能找到房子

With your list of priorities and your pre-approval information in hand, speak to a real estate agent who can help you find a home. An agent's job is to help you and is able to facilitate 买卖双方之间的谈判. They also have the ability to show you properties that fit your budget and meet your needs.

第七步:提出条件

在你的房地产经纪人的帮助下, you will be able to determine a fair price to offer the owners of a home in which you are interested. 作为买家，尽量避免出价过低. You obviously want to get the most bank for your buck but more than often, owners who receive an offer that is obviously too low simply refuse it upfront and don’t engage in any further negotiations. Even if you disagree you should always defer to the opinion of your agent, as he or she is very educated on the housing market and the rules that apply to home offers.

第八步:处理检查和贷款

检验费用由买方支付. It's important to understand what you're taking on when buying a home, 特别是如果它是一个旧版本. 检查会让你知道是否有损坏 or warning signs about the home as well as if the 房主s were being honest about the condition of the home. 别被廉价的! You want to be sure you are spending the money on the top inspection 为你的家. You do not want to be caught with a broken HVAC and busted pipes after a few months of living in your home especially when your budget might already be slim. 检查完毕后 the appraisal of the property, you can secure your loan with a bank or lender of your choice.

步骤9:敲定交易

Closing on a home is a very lengthy process and a time commitment. You will work with your lender and your real estate agent to ensure that all of the relevant paperwork for your purchase is in 订单. You will be able to move into your brand new home as soon as all of the paperwork has been completed and the seller of the house has been paid.

This is one of the biggest decisions you will make in your life as well as one of the most fulfilling. 快乐的房子狩猎!