Buying a Home in North East Columbia SC

Always remember that moving into a new home, while terribly exciting, is also the culmination of a process rather than an event.  As such, while the normal buying impulse is to start throwing your things into a box, and putting change of addresses on your important documentation, if you are looking at purchasing a new home in North East Columbia SC, then you should take a deep breath and prepare for a lengthy process.  While this may seem a prime example of the exception that proves the rule that “it is all about the journey rather than the destination,” you won’t need to worry that you won’t have anything to do because you will be quite busy getting items prepared for the home buying process.   

Handle the History

We all have a history, and making sure that your financial history will qualify you, is your first step towards homeownership.  In much the same way that you should not cram a semester’s worth of chemistry the night before a final, neither should you rely on a last minute perusal of your credit report right before applying for your home loan.  Indeed, you should regularly look at your credit report to ensure that it is an accurate representation of your credit worthiness.  Note any errors and omissions on the reports, and take the necessary corrective steps should they be required.      

Check the Numbers

Beyond the passion and excitement that buying a new home in North East Columbia SC engenders, at the end of the day it is all about being a numbers game when it comes to figuring how much money you can afford on a given piece of Real Estate.  Understanding how much you can spend is critical to focusing your Home  search in areas that you will actually be able to close during the escrow process.  There are numerous online tools available to help you calculate how much you will be able to afford.  Always remember to include such calculations as remodel expenses, inspection costs, appraisal fees, and remember that there are creative avenues of finance that don’t necessarily require a twenty-percent down payment to move into your dream home.  If you are in the market to purchase a North East Colombia homes for sale, you need to partner with a real estate professional to make sure that each of those dollars is put to good use.    

Find your Partner

Whether you are searching for North East Columbia single home for sale or search Condos for sale in the surrounding areas, your best chance of success is found with the right real estate agent. When searching around for your lender and real estate agent, be sure to ask plenty of questions, and assure yourself that you are comfortable with your new partner before entering into any agreement.  Once you have the right lender and real agent, they will prove an invaluable resource about local market conditions.

Search for Your Dream Home in North East Columbia SC

Any home search in North East Columbia begins with a wish list, so make that you list all of the things that you want in prospective home.  Give consideration to the numbers of bedrooms and bathrooms you are going to need as well as enumerating such amenities that you can’t to do without like hardwood floors or a professional grade kitchen.  Searching for a home for sale is a series of compromises, so be sure to know what you are willing to compromise about and which items will prove to be deal breakers.   

Make the Offer and Close the Deal

Once you have located your dream home in North East Columbia area, work with your realtor to negotiate the deal.  Most homes for sale are listed higher than the expected selling price, so there could be some financial wiggly room available at the negotiating table.  Information about how much wiggle room is available will come from the expert advice of your realtor who will have an intimate knowledge of real estate market conditions.

Call us today to start the home buying process at 803-319-2703