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December 09, 2014

Steps to Buying a House

Home buying is a process and like any process, there are defined steps to buying a house. Every individual or family who came to me, looking to buy their first home, always asks me – in so many words – what are these steps.

Before I share with you this definitive guide to the home buying process, let me warn you: One real estate transaction is different from another. No two individuals or families buying a home in DeLand, FL or anywhere else will go through the same steps to owning a home. Each potential homeowner has different needs and preferences so they’ll be approaching home-buying from different directions.

That said, it pays to know the steps to buying a house. First, to prevent any real estate deal from getting messed up. And second, to help you keep track of your or your real estate agent’s progress. You’ll know how long a particular step in the home-buying process will take so you can adjust to keep to schedule.

So what are the steps to buying a home?

Step 1. Get your financial house in order

It seems like a no-brainer: Before you go buying a house, you must first make sure that you are creditworthy. That is, you can pay for a house. You need to show evidence that you can afford the debt and won’t default on it.

This is an important part of the home-buying process because your financial standing directly impacts your mortgage and interest rates as well as the loan terms you’ll get.

Access your credit report, for free, at AnnualCreditReport.com to evaluate your creditworthiness. The site provides your financial history from the three major credit reporting agencies in the US: Equifax, Experian and TransUnion. Comb your credit report for mistakes and where needed, dispute any you might find to improve your credit standing.

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About the author:

Robert Greene is a DeLand, FL real estate agent who has been helping home buyers and property sellers in the West Volusia area since 1978. If you’relooking for homes in DeLand, Deltona, Debary, Lake Helen, Orange City, Barberville, and Pierson, FL, he is one of the top Realtors that comes highly recommended by his peers and clients. He has been recognized by the local board of Realtors as the Top Commercial Seller for 2010 and as a Top Ten Residential Producer for 2011.


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