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Buyer guide GUIDE FOR HOME BUYERS C GUIDE FOR HOME BUYERS During your home search your real estate agent is your lifeline Whether they ? re helping you compare properties in your favorite neighborhood listing your house or helping you navigate the process

GUIDE FOR HOME BUYERS C GUIDE FOR HOME BUYERS During your home search your real estate agent is your lifeline Whether they ? re helping you compare properties in your favorite neighborhood listing your house or helping you navigate the process of closing your agent is committed to helping you ?nd the home of your dreams But even with an experienced agent by your side you still need to have a solid understanding of the homebuying process After all your new home will be one of the most expensive purchases you ? ll ever make You should know a thing or two and that ? s why I ? ve put together this handy buyer ? s guide It ? s here to demystify the process so you can feel con ?dent along the journey to ?nding your future home CONTENTS A Step-By-Step Guide to Buying A Home How the Home- Buying Process Works Step Research And Prepare Step Narrow Your Search Step Viewing Properties Step Making An O ?er Step After The O ?er Step Closing How to Avoid Common Home-Buying Missteps G L O S S A R Y C GUIDE FOR HOME BUYERS HOW THE HOME-BUYING PROCESS WORKS Research And Prepare Are you ready to buy While you may feel ready to buy a home it ? s worth assessing your personal level of interest in home ownership before you make what will likely be the largest purchase of your life There are many hidden costs that come with home ownership From property taxes to utilities these costs can add up quickly and if you ? re not prepared it can feel like you ? re drowning in tiny details Make sure you ? re ?nancially prepared for not only your down payment and mortgage but these hidden costs as well Beyond ?nancial concerns you should spend some serious time thinking about your personal pros and cons of home ownership Pros Cons List Pros ?? Freedom to renovate at your leisure ?? Real estate increases in value over time your new home is a long-term investment ?? With a ?xed-rate mortgage you can lock in a monthly payment and plan around it accordingly Cons ? Landscaping and general home maintenance are now your sole responsibility ? The hidden costs of home ownership can snowball ? Big initial cash investment for down payment C GUIDE FOR HOME BUYERS RESEARCH AND PREPARE After you ? ve put some real time and e ?ort into the preparation process it ? s time to begin the process of searching for and purchasing your home Get Pre-Approved Before you dive into the home search process you should get pre-approved by a mortgage lender Pre- approval doesn ? t mean you ? re committing to purchase a property or take out a loan It ? s just a signal of interest that makes the process move more smoothly further down the line There are two major reasons to get pre- approved before you