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Buying Your First Home In 2023?
Ready to buy your first home in 2023? Ruhl&Ruhl Realtors specializes in helping first-time home buyers like you find their dream property. Before you start searching for homes online, it's important to take the first step to house shopping: Getting pre-approved for a mortgage. According to our in-house lender service, Ruhl Mortgage, pre-approval is good for about 30-90 days. When you're ready, contact us and we'll set you up with a licensed loan officer we know and trust. They can help you decide which loan best suits your needs, along with determining the loan amount and purchase price you can afford, and what your monthly payments will be.
Once you've got your pre-approval letter in hand, it's time to start the search! Before you hop into the home search, we like to advise clients to create a "Needs" list and a "Wants" list. This will help you really focus on the things that are most important in your future home. Needs are the non-negotiable features; the features you simply must have in your next home. Wants are the ones you'd like to have, but you can add or change down the road. Remember, you can't change the lot or the location so make sure you love both. Once you've established what you're looking for, we can set you up on a search so you can receive an email the second a home that fits your criteria goes live. After touring houses and choosing the one you love, it's time to make an offer. To do this, you'll need your pre-approval letter or proof of funds. You'll also need to make an escrow deposit of at least 1-2% of the purchase price. This will go towards your closing costs at closing.
Have more questions about buying a home or what happens after making an offer? Reach out to Ruhl&Ruhl Realtors today!
