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Take A Tip Tuesday-Are You Ready To Buy A Home In Ascension Parish?
3 Things To Ask Yourself.
If you have been sitting in your apartment wondering if you could possibly buy your first home, there are a few things you can ask yourself before you pick up the phone to call a mortgage company. Many people, not just in Ascension Parish, wonder if they can get a home of their own but they are either afraid of the answer or they think that the process is too difficult to take on. Before you choose your lender or Ascension Parish REALTOR®, ask yourself these simple questions.
Do I Pay My Bills On Time?
Lenders look at few things when it comes to debt. First is debt to income ratio. In simple terms, how much do you make and how much of that is spent on paying your bills. If you make $1500.00 a month and $1200.00 is spent on bills then you probably aren’t ready to buy a home. Your credit score plays a big part as well. If you can’t pay your bills on time, this will affect your credit score and makes you look like you won’t be able to pay the mortgage on time. No lender wants their money late or have a payee not make a payment. The risk is too high for the lender/bank to want to take on.
Learn your credit score! There are so many sites that offer free credit reports. Even if you’re not looking to buy a home currently, it’s a good idea to know where you stand. You need to know if something needs to be removed from your credit report or if you need to close that old Bed Bath and Beyond credit card that you have never used.
Do I Pay More In Rent Than I Would For A Mortgage?
If you are not sure, you can look for a mortgage calculator online. You can find one on my website, http://yourrealestatewhisperer.idxbroker.com/idx/mortgage to help you to make that determination. Make sure to consider the taxes, insurance, and monthly utilities. Many times, especially with rent being as high as it is here in Ascension Parish, the cost of a home will be lower than your current monthly rent, AND there are usually significant tax advantages to home ownership!
Do You Have Any Money Saved?
There is a misconception that you won’t need any money to buy a home if your credit is good. While there are financial assistance programs, and even some 100% financing, you will still need some money! You will still need funds for the costs of appraisal (around $500) and the cost of inspections (around $350-450.) These fees are not typically added into the 100% financing plus you’ll want some extra reserves for things like the cost of your move, refrigerator, washer, and dryer or other unexpected costs that could arise during the home buying process.
Now that you’ve asked yourself these questions, are you ready to buy? If you feel pretty confident with your credit score and savings account, plus you know your rent is higher than a mortgage, it’s time to call a lender to get qualified. I have the names and numbers of local lenders that I have often used who would be happy to work with you and help evaluate your home loan needs. Every client is different and so are their home loans; let them speak to you about your unique situation.
I hope you found this information helpful. If you have any questions please feel free to reach out to me. You can always reach me by phone, email or text. I tell you all this, “Because YOU Matter”.
Kristina Smallhorn
Your Real Estate Whisperer
http://kristinasmallhorn.brl.exprealty.com/
eXp Realty LLC
LAKE CHARLES, LA 70601
225-246-1812
Office (225) 412-9982 ext# 149
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