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Things to consider when buying a Home

Start by checking on your credit !

Since you most likely will need to get a mortgage to buy a house, you must make sure your credit history is as clean as possible. Banks lending standards have risen. A FICO score of 760-850 gives you more negotiating power on the term of the loan, where a 640 score may force you into a higher interest rate. Before you start house hunting, pull copies of your credit report. Check for accuracy make sure the facts are correct, and fix any problems you discover. With the help of our credit restoration restoration program we may be able to provide you with a piece of mind on securing a loan that's right for you.

If you can't put down the usual 20 percent, you may still qualify for a loan !

Mortgage rates are at a all time low. There are a variety of public and private lenders who, if you qualify, offer low-interest mortgages that require a down payment as small as 3 percent of the purchase price.

Know What Affects the Value of Homes !

Location. Location. Location. Real Estate is a major investment. Things change, neighborhoods change. People move more frequently today than they have in the past. Some things to consider include: Is the neighborhood being kept up or is it slipping? How is the home in relation to others in the area? Is the home the smallest home in a neighborhood of big homes, or the most expensive home in a neighborhood of cheaper homes? How might things change in the future? Those open lots behind your home, are they zoned to become a park, a school, a convenience store, or more homes? How has the area appreciated? What is the future potential? Are there any environmental issues with the ground water? Any history of flooding?

Be realistic about your expectations by purchasing a house you can comfortably afford. Besides, your home shouldn't be your only investment. By overextending yourself financially, you not only squeeze yourself today but also take a risk that your home (your only investment) may not appreciate to a value that you can afford to retire on.

Pay only what you can comfortably afford in today's dollars with your current income. A general rule of thumb is to pay no more than 1/3 of your monthly income toward your mortgage. You should also look at homes less than 3 times your annual income, unless you have saved a substantial down payment to cover any difference. Finally, choose the right house for you, and then make it a home. Fall in love with your house only after it makes financial sense.

Get professional help !

Even though the Internet gives buyers unprecedented access to home listings, most new buyers (and many more experienced ones) are better off using a professional agent. Look for an exclusive buyer agent, if possible, who will have your interests at heart and can help you with strategies during the buying process.

Please visit our Central Florida Communities Page where you can go read and learn about the best communities Central Florida has to offer. In addition, go and fly with us as we take you on a 3-D Google Earth Tour of your favorite Community around Central Florida.

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