Buying your first home can be one of the most intimidating goals in your life. It’s such a benchmark — you feel like a “real adult” once you buy your first home. Yet the process is unlike anything you’ve ever done before, so it can be confusing and a bit terrifying.
With a little research and the right professionals to help you through the process, buying your first home can be a lot easier and a lot less stressful. Here are a few tips for making this milestone an easier one to reach:
Find a Good Lender
Before most people even start looking for their first home, they talk to a lender to find out how much they can afford. Otherwise, they might end up falling in love with a house that they can’t buy because they don’t have the full financing. They don’t want to waste time looking at houses that they’ll only find out later that they can’t buy.
Therefore, the first thing you should do is find a lender. But not every lender is the same. Some will try to push subprime loans or adjustable rate mortgages, which may not be right for you. Others will push certain products because they get a commission, and they’ll fail to tell you about other programs that would be more helpful for your circumstances. Shop around a bit, do your research, and get referrals to find a great lender who will help you find a loan that fits your budget and helps you get the house you love.
Find a Good Realtor
A good realtor does a lot more than show you potential homes. A good realtor will be your guide through the home-buying process and your resource for professionals.
Your realtor should get to know you and what you want out of a home and then find the best matches that are currently on the market. That way, you don’t waste your time looking through houses that don’t suit your needs or your preferences. Your realtor should also answer all your questions about the buying process, and help you find the best professionals, from a home inspector to a top-notch roofer.
Again, you’ll need to ask for references and do a bit of research to find the best realtor. Word of mouth is usually the best way to find a realtor. When people have a good experience, they are eager to tell others.
Find a Good Title Company
When you find the house you love, making the offer isn’t the final step. A lot more happens after that, including depositing earnest money, getting inspections, and closing on the loan and sale documents. Your realtor will help arrange for some of these things, but you can also make your own choices for the professionals you want to handle these tasks.
You should make your own choice for a national title company to ensure that your sale closes quickly and that all your interests are protected.
Hire a Good Moving Company
Buying the house isn’t the only stressful part of getting your first house. Moving is also incredibly stressful. You can make the whole process a lot easier by hiring a good moving company.
Professional movers can pack up everything you own, load it onto the truck, move it, and unload everything for you. If you want to cut back costs, you can hire movers to simply pack your boxes and furniture and move them to the new house. Just pack everything you can far ahead of time to make it less stressful. Hiring movers will save your back and you’ll ensure that your belongings get to your new place quickly and safely.
Buying your first home doesn’t have to be the scary or fraught situation you perceive it to be. While it may be a big purchase with a more specialized process than you’ve encountered before, it can be easy and stress-free when you have the right professionals on your side. Not only should you have a trusted guide by your side with your realtor, but you should also have trusted professionals like a good lender and title company. By the time you move in, you’ll feel confident about your purchase and excited about your future in your first home.