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Tips For First Time Home Buyers

May 27, 2016 in Mom Life

buyingahome

Tips in Buying Your First Home

Buying a home is such a big deal and can often times be stressful. After buying two homes, I can honestly say I have some good tips for those of you looking to buy your first home. Or maybe you had a snafu with your first home purchase and vow to never buy again? Check out the following tips and maybe they can help you save yourself a few headaches the next time you are looking to buy a new home:

1. Get Pre-Approved For Your Home Loan

Loan pre-approval is where you are given a loan limit for a certain time let’s say like six months. This lets you know exactly how much you can afford when you look for a house to buy. Loan pre-approval makes your finance organised and prevent you from wasting your time looking for properties that are not in your price range. Also, this way, you don’t need to stress yourself out finding a property before you can apply for a loan.

2. Bigger Isn’t Always Better

Yes, we all want a beautiful home, but bigger doesn’t always mean better. There’s an old adage in real estate that says don’t buy the biggest, best house on the block. Seriously! You don’t want to limit yourself when it comes to resale. Your home is only going to go up in value as much as the other houses around you. Think about the future when you are buying a house.

3. Keep Your Money Where It Is

If you are planning to a home within six months, do not make any big purchases or move your money around. When it comes to buying a home, you want to make sure your credit profile is in good standing. Lenders want to see that you are a reliable buyer and you want to be able to get the best loan you possibly can! Avoid opening up new credit cards, amassing too much debt or buying that brand new boat or other toys. You will have a hard time getting a loan!

4. Watch Out for Closing Costs

Expect to pay extra like two to five percent of the price of a property. This seems like a low number but properties are pretty expensive. Let’s say your property costs $150,000, its closing costs could be like $3,000 to $7,000. There are many fees and expenses in the process of a loan. This includes title fees, attorney fees, lender fees, insurance, interest, and a lot more.

5. Think Long-term and Think Re-sale:

I mentioned it a bit earlier, but definitely think about the long-term. Are you planning to have kids? Will you be taking care of elderly relatives? Will you only be living in your home for a few years? You want to consider location, the number of levels the house has, the busyness of the neighbourhood.

Wanting to check out some really cool homes abroad? Check out these houses for sale in Sydney…yes, I mean Australia, mate!

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19 Comments
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Comments

  1. eatmovemake@gmail.com'Liz Mays says

    June 3, 2016 at 10:17 pm

    This is good advice. Sometimes it’s hard to think long-term when you’re excited for your first house but it’s a good idea.

    Reply
  2. lisariosonline@gmail.com'Lisa Rios says

    June 6, 2016 at 1:07 am

    I very much agree that home buying is such a big deal and a stressful stuff to handle. These are some great tips from you as you have experience of buying 2 homes. I do stand with you about thinking long term & planning accordingly.

    Reply
  3. marielle.altenor@gmail.com'Marielle Altenor says

    June 6, 2016 at 2:36 am

    These are great. Especially number 1. I remember a few years ago we got ready to buy but started with looking before even getting pre-approved. We found the perfect house. But sadly we didn’t get approved for enough. Getting pre-approved lets you know what you can and cannot afford.

    Reply
  4. saranara100@gmail.com'Sara Buckner says

    June 7, 2016 at 4:36 pm

    These are some great tips, I’ll have to remember this when I buy a house in the future!

    Reply
  5. wendy@wendypolisi.com'Wendy says

    June 7, 2016 at 5:49 pm

    These are all such great tips! I wished I’d had them when I bought my first house years ago.

    Reply
  6. tutusandheels.blog@gmail.com'Rachel says

    June 7, 2016 at 9:40 pm

    We are currently in the process of purchasing a home, so thank you for all these tips!

    Reply
  7. moneycanbuylipstick@gmail.com'Teresa says

    June 8, 2016 at 12:30 am

    I’m starting to save for my first house so I couldn’t have found this post at a more perfect time. Your tips are so helpful, and touch upon topics I wouldn’t have even thought of!

    Reply
  8. couponingawaydebt@gmail.com'Jenn says

    June 8, 2016 at 1:01 am

    These are GREAT tips! We bought our first home a few years ago and the closing costs were very unexpected!

    Reply
  9. triathlonmami@gmail.com'Cristina says

    June 8, 2016 at 2:45 am

    I’m in the process of buying a new home and the nicest house on the block advice is so true. I am the smallest, and quite happy with that 🙂

    Reply
  10. arethoseyourkids@yahoo.com'Diedre says

    June 8, 2016 at 2:58 pm

    What great tips! I would add do your research. I watched a ton of HGTV first time home buyers as well as did my own research online. I would also add to make a list of non-negotiables and remember that small cosmetic changes shouldn’t be part of your non-negotiables.

    Reply
  11. jillconyers@gmail.com'Jill Conyers says

    June 8, 2016 at 7:41 pm

    These are such great tips. There’s so much that goes into home buying that first time buyers aren’t aware of before hand.

    Reply
  12. tabshakespeare@gmail.com'Tabitha says

    June 8, 2016 at 8:28 pm

    Awesome tips! I wish I would have know a few of these when we were buying our first house! It was such a headache trying to figure it all out!

    Reply
  13. di@workoutwithdi.com'Di Hickman says

    June 8, 2016 at 10:37 pm

    These are great tips! Buying a house is a big decision, it’s not like you can just return it if you change your mind.
    I’d also add: decide if you’re the fixer upper types? Because you might think you are until you NEED to be and discover you’re not! lol!

    Reply
  14. amandalove1976@outlook.com'Amanda Love says

    June 10, 2016 at 2:14 am

    I remember when I purchased my home. The seller paid the closing cost which saved me some money but all these tips were what I used.

    Reply
  15. reesann723@yahoo.com'Reesa Lewandowski says

    June 10, 2016 at 2:23 am

    When we bought our home, we didn’t really do this type of research and boy do I wish we did!

    Reply
  16. Thebalancedbelle@gmail.com'Caitlyn Edwards says

    June 10, 2016 at 3:06 am

    Great tips in first-time home buying. I’m not there yet but a lot of people my age are. The big issue I’m noticing is the fear of becoming house poor. You have a beautiful home but no money to do anything else.

    Reply
  17. laura@eyecandycs.com'laura londergan says

    June 10, 2016 at 10:30 pm

    these are all great tips. We are looking to possibly buy a home soon and it can be so hard to sell but I am hoping when it is time that it all works out

    Reply
  18. mandy22q@gmail.com'Amanda Ripsam says

    June 16, 2016 at 4:10 pm

    That is is a good list of tips you have up for first time home buyers. We rent a apartment because we can’t afford the cost of owning our own house.

    Reply
  19. mariac@toughcookiemommy.com'Toughcookiemommy says

    July 1, 2016 at 5:34 pm

    These are some great tips for those people who are looking to purchase their first home. It can certainly be an overwhelming experience.

    Reply

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🍁 Vegetable Soup 
Here’s what you need: 
2 Tbsp olive oil
1 1/2 cups chopped yellow onion (1 medium)
2 cups peeled and chopped carrots (about 5)
1 1/4 cups chopped celery (about 3)
4 cloves garlic , minced
4 (14.5 oz) cans low-sodium chicken broth* or vegetable broth
2 (14.5 oz) cans diced tomatoes (undrained)
3 cups peeled and 1/2-inch thick diced potatoes (from about 3 medium)
1/3 cup chopped fresh parsley
2 bay leaves
1/2 tsp dried thyme
Salt and freshly ground black pepper
1 1/2 cups chopped frozen or fresh green beans
1 1/4 cups frozen or fresh corn
1 cup frozen or fresh peas 

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🍁 Heat olive oil in a large pot over medium-high heat. 
🍁 Add onions, carrots, and celery and saute 4 minutes then add garlic and saute 30 seconds longer.
🍁 Add in broth, tomatoes, potatoes, parsley, bay leaves, thyme and season with salt and pepper to taste*.
🍁 Bring to a boil, then add green beans. 
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#FuelTheirDrive #CassClay #Sponsored We’re geari #FuelTheirDrive #CassClay #Sponsored We’re gearing up for the final weeks of cross country AND the Fuel Their Drive competition. 

We've been loading up on protein, carbs and chocolate milk in our household!  For every Cass Clay milk you purchase, you can snap a photo of your receipt, upload it to http://www.fueltheirdrive.com/cassclay and have a chance to win up to $10k for your athletic department. Is your school on the leaderboard?  Check out the top schools for the area here:
https://fueltheirdrive.com/cassclay/en-us/Leaderboard

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CASS CLAY WILL AWARD 16 GRANTS RANGING FROM $1K-$10K TO SCHOOL COMMUNITIES, INCLUDING NORTH DAKOTA! WIN-WIN! LET'S GOOO! 

No Purch. Nec. Ends 10/15/21. 16+, IA, IL, KS, MN, NE, ND, WI only, Rules: http://pl.fyi/zw2
My famous “mom” line is, “make sure you are My famous “mom” line is, “make sure you are drinking water!” Or “are you drinking water?” Or “do you need some more water?” Any sort of variation can come out of my mouth at any given time.  Ask my kids and they will confirm.  If there is one thing that I know is that staying hydrated is so important. 

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I am teaming up with @zerowater000 to give away a zero water pitcher.  This pitcher comes with a water quality meter and premium 5-stage ion exchange filter!

The Ready-Pour technology allows you to dispense filtered water as the reservoir continues to filter. No need to wait until the pitcher is full to start enjoying.

Here’s the deal and the rules. 
*must “like” this post
*follow @mamasitaal 
*follow @zerowater000
*tag a friend to receive an extra entry (the more you tag, the more entries you get)

It’s that easy to enter. 
Good luck! 

This giveaway is not affiliated with Instagram. 
Winner will be announced on 10/15/2021 
#ZeroWater #LiveLifeAtZero #creatorco #onetreeplanted #creatorsplanttrees
Today’s good mood is sponsored by coffee. #nati Today’s good mood is sponsored by coffee.

#nationalcoffeeday should be every day and let me tell you, Starbucks cinnamon dolce is my fave.  I top mine off with whipped cream and a sprinkle of cinnamon. Perfection. 

Are you a coffee fan? If so, what is your favorite coffee brand? How do you like your coffee? How many cups do you drink per day? 

#coffee #coffeelover #coffeegram #coffeeaddict #coffeelife #coffeeholic #coffeedaily #coffeecoffeecoffee #coffeevibes #coffeebreak #coffeeislove #yumyum #cantleavewithoutit #cantleavehomewithoutit❤️
Crisp air. Pretty leaves. Sweaters and boots. Foot Crisp air. Pretty leaves. Sweaters and boots. Football. Coffee and pumpkins.  I love fall. 

#ourneighborhood #myneighborhood #fallseason #fallisintheair #fallismyfavorite #fallvibes #fallcolors #changeisgood #beautifulview #myviewrightnow #myviewisbetterthanyours #sunrise #gorgeousviews #autumn #autumnvibes
Sorry Kanye, but this is the greatest of all time. Sorry Kanye, but this is the greatest of all time. The Goat of all soups. And it’s easy to make too. 

🍁 Vegetable Soup 
Here’s what you need: 
2 Tbsp olive oil
1 1/2 cups chopped yellow onion (1 medium)
2 cups peeled and chopped carrots (about 5)
1 1/4 cups chopped celery (about 3)
4 cloves garlic , minced
4 (14.5 oz) cans low-sodium chicken broth* or vegetable broth
2 (14.5 oz) cans diced tomatoes (undrained)
3 cups peeled and 1/2-inch thick diced potatoes (from about 3 medium)
1/3 cup chopped fresh parsley
2 bay leaves
1/2 tsp dried thyme
Salt and freshly ground black pepper
1 1/2 cups chopped frozen or fresh green beans
1 1/4 cups frozen or fresh corn
1 cup frozen or fresh peas 

Instructions:

🍁 Heat olive oil in a large pot over medium-high heat. 
🍁 Add onions, carrots, and celery and saute 4 minutes then add garlic and saute 30 seconds longer.
🍁 Add in broth, tomatoes, potatoes, parsley, bay leaves, thyme and season with salt and pepper to taste*.
🍁 Bring to a boil, then add green beans. 
🍁 Reduce heat to medium-low, cover and simmer until potatoes are almost fully tender, about 20 - 30 minutes. 
🍁 Add corn and peas and cook 5 minutes longer. Serve warm.

For the full how to: check out Vegetable soup on the cookingclassy.com. 

#comfortfood #soupseason #soupdejour #souprecipes #nummanum #yummy #soupfordays #fallsoup #fallsoupseason #vegetablesoup #vegetablesoup #soupmaker #deliciousness #delicious #cookingclassy #comfortfoods #goatsoup🐐 #greatestofalltime #whatsfordinnertonight #whatsfordinnertomorrow #itswhatsfordinner
Tis’ the season to be fall-y. Be prepared for Tis’ the season to be fall-y. 

Be prepared for a slew of Autumn season posts.  Fall is my favorite. 

I love the colors. I love the decor. I love the fall fashion. I love the fall food.  I love it all! I had a few floral arrangements I had created by  different local small town florists.  Here are my faves.  Aren’t they gorgeous? And how cute is that little pumpkin? 

What’s your favorite season? 

#falldecor #fallfashion #fallcenterpiece #fallcenterpieces #fallstyle #falldecorations #fallready #fallharvest #fallisintheair #fallflowers #autumn #autumnvibes #autumndecor #autumnvibes🍁 #pumpkindecor
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