Buying a Home in 2012

It’s almost 2012 and you know what that means, it’s time to make your New Year’s Resolutions! Have you been considering buying a home but haven’t made the first step? 2012 is your year to be a homeowner! Pauline Poyner knows first-hand how happy people are in their new homes and so she’s sharing some tips so you too can make a resolution to own a home in 2012!

There are many aspects involved in becoming a homeowner that can make people resistant to take the first step but by following these steps to buying a home, you can make the purchase easier on yourself!

• Assess your lifestyle. It’s important that you stay in your home for more than a few years if you buy, so make sure that’s feasible for you.
• Your credit will be looked at when you’re taking out loans for purchasing a home, so get copies and make sure you fix any problems you might find before you try to take out loans.
• Don’t look at homes you know you can’t afford.
• Decide what neighborhood you’d like to live in and look in this neighborhood and ones like it.
• Consider the school district in the town you’re looking to buy a home in. You’ll want a good school system for your own kids and even if you don’t have kids, good school districts give homes a higher value.
• Hire a real estate agent! Pauline Poyner is a seasoned professional whose excellent communication and negotiation skills will serve your needs and help you to be a homeowner in 2012!
• Get pre-approved for a loan based on your annual income, debt and credit score. This will make your offer more credible when you make one.
• Know exactly what you can afford before you make any big decisions. You don’t want to move forward with buying a home and realize too late that you can’t afford it.
• Prepare to make a 20% down payment on your future home in order to get loans.
• Make your sales contract contingent on a home inspection to protect yourself from unforeseen costs.

Make 2012 your year to become a homeowner! By following these steps, you can make the process of buying a home much easier on yourself and start the year right in a new home! Pauline Poyner can help you with your resolution to be a homeowner in 2012 by providing you with the best service in real estate! ‘Like’ Pauline on Facebook to learn more about her and to see some of Pauline’s featured properties!