Hiring a network engineering company can be a complex process. There are many things to consider before choosing the right team for your business. Network engineers work hand in hand with IT staff and the software systems in place, ensuring that the product is up and running. A network engineer from Openreach, a unit of BT Group Plc, runs a cable through a communications frame inside an exchang...
How to buy a house is a topic that is asked of me often. As a professional real estate broker I work with clients who are very knowledgeable about buying a house and those who know nothing about the process. There are things you should certainly know in order to save yourself time and money. These two things alone can make buying a house very stressful. So, make sure you are armed with the right information so you will know how to buy a house.
One of the most important things that I advise clients on is to be honest with me. Why is this so important? Let me give you the answer in an example. I had a client who told me that they made $85,000 a year and that their credit was perfect. So, we set about looking at properties in the $450,000 – $500,000 range. After several weeks of looking, we finally put an offer to buy a beautiful home that they were ecstatic to own. When the loan officer took their information, ran their credit and pulled their W2s, not only was their credit rather poor, but they made only $70,000, not $85,000!
That immediately disqualified them from buying the house of their dreams! I advised them that this was not how to buy a house. The loan officer refused to work with them further and the market for the house price they could afford was clearly not in their range. Unfortunately, they shot themselves in the foot.
Another great tip is to fill out a loan application very early on in the game. This is especially true today, when there is a scramble to buy homes that are now “attractively priced” due to the numerous foreclosures and short sales. But completing this application way in advance, you will save your loan officer, your agent and yourself a lot of time … focusing on houses in the price range that you really can afford.
A home warranty is always one of the best investments. I recommend this anytime I advise clients on how to buy a house. In this way, you are insuring certain items in the house in case they break down. For example, your washer / dryer, refrigerator, and internal plumbing are things that can be covered by a home warranty. Many people do not know that you can also include above ground pool/spa, as well. This one warranty item saved my client over $1,000 one year. Also do not forget that the home warranty can also be renewed each year.
Comparing the price of a home with other similar homes in the area is key to ensuring you are getting your monies worth. Buying a house is one of the biggest investments in most people’s lifetimes. Make sure that you have built in the possibility of a long term financial security with the house. Read more at homeward.