The Roanoker - September / October 2018 - 66
TH E H OME S IS S U E
written by LAURA WADE
finding a home
to call your own
The adventures of house-hunting often yield surprising discoveries.
These tips are a good start to alleviating a few of those moments.
H
OUSE HUNTING HAS BOTH A
practical and emotional component
to it. Some things, like finances,
must be taken into consideration, while
others are all about how a house feels to you
and whether you can envision it as a place
to call home.
Practical considerations include the
financial aspects of home-buying. How
much are you going to spend on your home
purchase? How much can you afford to put
down and pay monthly? A down payment of
66
SEPTEMBER/OCTOBER 2018
20 percent is recommended to avoid private
mortgage insurance and to keep your monthly
payments lower, but isn't required. Put
together a budget ahead of time to determine
what percentage of your monthly expenses
will be dedicated to paying your mortgage.
What can you qualify to buy? Get prequalified to find out. This can also help
elevate your status with a seller by showing
you have taken the first steps to find funding.
"At Hamilton Group Funding, we
recommend beginning the pre-approval
process approximately 30 days before you
start your home search. First, speak with a
qualified lender who will ask questions to
help determine your goals and recommend
the mortgage loan program that best suits
your needs," says Getra Hanes, Director of
Business Development at Hamilton Group
Funding.
She notes that there is a difference
between pre-approval and pre-qualification.
The term pre-qualified does not guarantee
a loan. Obtaining a pre-approval letter can
be useful during the negotiation process and
may help expedite the closing of a loan.
Where do you want to live? Think about
the type of neighborhood, the school system
and your work commute. Location is one
thing that cannot be changed, so be sure to
choose a home in an area that appeals to
you and will meet your needs for years to
come. Take into account the value of other
homes relative to the purchase price of the
house you are considering and what is likely
to happen in the market over the next several
years.
What are the must-haves versus nice-tohaves? How many bedrooms and bathrooms
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The Roanoker - September / October 2018
Table of Contents for the Digital Edition of The Roanoker - September / October 2018
The Roanoker - September / October 2018 - Intro
The Roanoker - September / October 2018 - Cover1
The Roanoker - September / October 2018 - Cover2
The Roanoker - September / October 2018 - 3
The Roanoker - September / October 2018 - 4
The Roanoker - September / October 2018 - 5
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The Roanoker - September / October 2018 - Cover3
The Roanoker - September / October 2018 - Cover4
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