Buying a home is often the most significant investment decision of a person's life. Finding the right home in the right area is part of the equation, and having an expert on your side of the negotiation process to help you get the right price can make it all possible.  Read below and then contact La Cita Realty to help you purchase you dream home.

Choosing a Realtor
It is important that the salesperson understands your needs. A good salesperson will ask the questions they need to know, before they start to show you homes.

Tips: Questions you should ask a salesperson when making your selection:

• Would you provide market evidence to support the price?

• Will you look after the details to closing determination regarding the price to be offered

• Negotiate a price and terms, agreeable to buyer and seller

• Handle all necessary paperwork and inspections from signing of purchase agreement until day of closing.

Tips on Working with a Realtor
Once you connect with a salesperson they can do a more complete search for you. A salesperson will commit time to you if you will commit loyalty to them. If you "play the field" you cannot expect undivided attention.

The Buyer's Contribution - Tips from You!

• Provide details of your property needs

• Describe what would be a suitable location

• Provide financial information

• Communicate your likes and dislikes on each property

• Commit to the salesperson

• Respect and perform the terms of the purchase agreement

• Working together as a team, with a professional salesperson you respect, should achieve those objectives you seek - the right home for you

What You Should Pay - Establishing a Market Value
Market value is based on what others have been prepared to pay for a similar property, under the same market conditions after reasonable marketing exposure. Market value is what a seller is willing to sell for a what a buyer is willing to pay.

Qualifying for your Mortgage
Once you've made up your mind to buy a home, the first question that comes to mind is, "How much can I afford?" The financial aspects of buying a home do not need to be confusing. Your salesperson can arrange to have you pre-qualified for a loan before you start shopping.

Most lending institutions will only allow approximately 30% of a person's income to support a mortgage. They will usually not allow more than approximately 40% of income to support a mortgage together with other debts. The amount of money you qualify for plus the amount of cash you can put down, will equal the amount you can afford to spend on a home.

These tips are for informational purposes only. IN ORDER TO HAVE THE CALCULATORS ON THIS SITE, I HAD TO INCLUDE THE REFINANCE LINK. AVOID IT PLEASE (DO NOT USE IT)