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Are YOU Ready to Buy A Home?Are You Ready to Buy?
Think you are ready to take on the responsibilities and enjoy the benefits of home ownership? Here are a few important questions to ask yourself to find out if purchasing a home is the right step for you.
Where are you going?
If you are buying a home in this market you will want to know that you won’t have to sell it in less than two to three years. There are closing costs associated with buying that you cannot recover in less than that time if the market does not gain excessive appreciation. Is your job secure? Is your company planning on keeping you in the same location or do they offer relocation benefits if you should have to move in less than a few years? You also need to be comfortable with the area you buy. Does it offer good schools and is it a prime area for resale? Make sure that you research the areas you are considering and that you are satisfied with everything the community offers so that you do not feel the need to move to soon.
Are your finances ready for you to purchase a home?
There can be great financial benefits to owning a home instead of paying rent on someone else’s home but be cautious and be sure that it is right for you before making the commitment. You need to consider all costs associated with the purchase of a home as well as the long term costs. You will want to get pre approved for a mortgage first so that you have an idea of what your closing costs, down money and monthly payment will be. This will dictate what price range you can search in. You can get pre approved for a mortgage if you have good credit (640 mid score or higher), steady, verifiable income and proof of necessary funds needed for closing costs and down money. Once you buy, owning a home includes paying for utilities, homeowner’s insurance, condo or association fees (if you live in an association) and the general costs of maintaining your home so be sure to leave room in your budget for these items as well.
Who will help you with this detailed process?
The right experts can make this process go so much easier for you, save you time and money and keep your interests protected. As your Realtors, The Rohlfing Team will educate you on the market and the home buying process, negotiate on your behalf, keep your transaction organized and make sure you meet all of your required deadlines and get you as smoothly as possible to settlement while always protecting your interests.
You also need to choose a mortgage broker or company that you trust and that you feel can answer all of your questions as they come up. It is great to get a good mortgage rate but getting to the settlement table with the funds available and having someone to guide you through the mortgage process is invaluable. Ask your Realtor or family and friends who they have had a good experience with to find the right expert. There are various inspections that you might be advised to have on your home, even if you purchase new construction. It is recommended that every buyer get a general Home Inspection on the house itself and the systems. Additionally some buyers also get any of the following tests: termite, radon, mold, lead based paint, sewer and well inspections on their home prior to purchasing. Again, ask your Realtor or family and friends to refer knowledgeable and certified inspectors. Other experts that are important are reputable title companies, home insurance brokers or companies and if desired/necessary real estate attorneys. The Edward Rohlfing Team can connect you with professional, reliable experts in any of these capacities.
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Welcome to Keller Williams Real Estate,
The Edward and Jennifer Rohlfing Team
215-205-7082 (Direct) 215-646-2900 (Main office)
For Buyers and Sellers in Montgomery, Chester, Bucks, Berks, Delaware and Philadelphia Counties
Our site is designed to help you with any real estate needs and to help you connect with us personally for any questions you might have.
Use our "Your Homes Value" tab to find out what your home is worth in the current market.
Use "Contact Us" to contact us directly for information on current FORECLOSURES. For a list of short sales, foreclosures and bank-owned properties email us your name, email, price range and location preferences.
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Have questions? Check out our Seller and Buyer Resources or give us a call!
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The Rohlfing Team takes a different approach to real estate, one that is built on personal touches, win-win deals and positive results.
Ed and Jen Rohlfing utilize the latest technologies, market research and business strategies to exceed your expectations. More importantly, we listen and that means we find solutions that are tailored to you.
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Thanks for starting your real estate search with us. This website is full of information for you whether you are looking to buy or sell.
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