You’ve decided it’s time. Taking that leap is just about the hardest part of the whole process. So, you can breathe. The REALTORS at Century 21 Advantage Gold are experienced, know Philadelphia’s neighborhoods like the backs of their hands, and you’ll be able to rest easy knowing you are in their good hands.
Ask yourself WHY.
Why now? What’s changed in your life that makes today this moment that you’ve decided you’re ready to buy a home? Has there been a life change? Have you gotten a new job, expecting an addition to your family, gotten married, or, quite simply, just decided you want more room? No matter the reason, it’s your reason. It’s important to know what that reason is because it’ll define so much about your home buying experience.
How you’re going to pay for your new home is probably the single most important facet of buying a home. Knowing, in advance, how much you can afford and how much you qualify to borrow will not only give you the peace of mind that comes with knowing you qualify, when you find the home you want, you’ll have the power of pre-approval backing up your offer. We’ve been working with lenders in the Philadelphia area for more than two decades; we’d be happy to recommend someone we trust and who will explain the process.
Things you’ll need:
Bank & credit card statements, pay stubs, two years of income tax returns–any financial paperwork that contributes to your credit rating (your lender will give you detailed information about exactly what you need). Check your credit score: knowing ahead of time where you stand will help position you properly for the loan that’s right for you
Think about the things that are important to you in a home. Make two lists: one of the features you must have and one of the features you’d like to have. Knowing the difference between these things can save lots of time and heartache down the road. Your REALTOR will help you match these lists as exactly as possible, ensuring that you find the home that’s just right for you.
Once you’ve found the home you want, it’s time to make an offer. Your Century 21 Advantage Gold REALTOR will be your advocate. They know the intricacies of Pennsylvania’s real estate laws inside and out and will be able to structure an offer that has the best possible chance of being accepted by a home’s sellers. They’ll negotiate on your behalf and make sure you are getting the home you want at the price that’s right.