Buying A Home
Imagining Your New Home
Talk with a lender before you begin your search. It is vital to know what you can afford. Whether it is your local bank or a mortgage company specializing in various mortgage programs, you must have a pre-approval letter prior to making an offer on a home.
Next, it’s time to decide where you wish to live. Commuting time to work, neighborhood character and schools are considerations. What qualities or amenities do you want in a home? It is often a good idea to make two lists—one with all you need in a home, and the other with “bonus” features that you could live without.
Choosing a Real Estate Professional
Choose a real estate professional to represent you. While all real estate agents are licensed by the State of New Hampshire and subject to regulations of the NH Real Estate Commission, not all real estate agents are Realtors. Realtors are members of the National Association of Realtors and pledge to a higher standard of ethical business practices. All licensed agents at Manter Realty are proud to be Realtors and active members of the Concord Board of Realtors.
Viewing a Property
Consider doing a “drive-by” of homes you like on paper before scheduling a viewing. If you have a long list of homes you’re interested in on MLS, this tactic may help you save time by eliminating those in neighborhoods or locations that don’t suit. When you do attend a showing, there are a number of things you should observe.
Making an Offer
An offer is about more than just price. Time frame, inspections and financing are also of interest to a seller. Remember that you may be competing with other buyers. Here’s what to know about this important step.
Inspections & Commitment
Once you have a fully executed contract (meaning both parties have signed and initialed changes) the clock starts ticking. Immediately make arrangements to meet with your lender, and schedule any home inspections that are specified in the contract.