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Prepare for your dream home with these tips for first time home buyers.
Are you dreaming of buying your first home?
I am too.
I am in the thick of it. Endless research has taken over mine and my husband’s lives as we prepare to be first-time homebuyers after having our twins, Kendall and Caeden.
Okay. I know what you’re thinking.
Why am I reading tips from a NON- first time home buyer??
Well, hear me out.
It’s because I am just like you. Researching and learning all of the best tips. I’m in the thick of it too.
So I thought I’d share the best tips I’ve found for first time home buyers so far.
Tips for first time home buyers
Have you dreamed yet?
I mean, really dreamed. What do you want out of your house? What does your front porch look like? Do you want stairs? Could you live with them if it meant a wrap-around porch? What are you really looking for?
Is this your long-term home?
This is a big question to ask yourself. Where do you see yourself in a couple, five or ten years from now? Is this where you want to stay through the kids going to school? Is this a first home and you want to upgrade later?
Are you done having kids?
A hard question that needs to be answered, If you want to add to your family soon, you need to think of bedrooms and size. How big does your home need to be to accommodate everyone?
Where do you want to look?
If you have school-aged kids, this question is huge. Have you looked into schools? What houses are in the school district? Are you willing to look elsewhere for what you really want? What about taxes and such. Are you willing to pay a little more to live in a certain place? Or rather not?
How do your finances look?
Then the big one. Money. Buying your first home is costly, and you have to be prepared. What does your savings look like? What about your debt? It’s recommended to pay off all of your debt before you dive into buying a home. What have you done to prepare?
What about your credit?
This is a big one for us. Between you and me, my husband and I have horrible credit. Now it’s gotten better over the years thanks to tools such as CreditRepair.Com, but it still has a ways to go and your credit plays a huge role in the act of buying a house. It determines your rates, plays into how much you can borrow, and so much more.
My husband and I used to have excellent credit.
Then a few rocky years led us to very, very poor credit. As a lot of you know, I was put on bed rest at 28 weeks. That meant I was bedridden and could no longer work to support my little family from that point forward. This put us into some debt. It made for some missed payments. It was frankly a really, really hard time.
Then the twins came. And we were still a single income family because two infants in daycare cost more than the average salary. It cost more than I made, that’s for sure.
So we were on food stamps. WIC. OHP. We had all of the government help we could get through that difficult time, and even with that, we found ourselves getting deeper into debt.
We just couldn’t afford life. It was hard.
This majorly affected our credit. Then a collection pretty much ruined our credit.
But getting back on our feet wasn’t much of an option at the time. We simply didn’t have the money.
Thankfully, life worked itself out.
My husband got a better job, I started pulling in some side money with Twins and Coffee, and we began to pull ourselves out of the trenches.
That is where we decided our credit wasn’t going to fix itself.
And if we ever wanted to get out and become first time home buyers one day, we needed to make a change.
That is where I am so thankful for companies like CreditRepair.Com, the leading and most recognized name in credit repair. We were able to learn how to pull ourselves back up and build our credit thanks to tools like a personal online dashboard, credit score tracker & analysis, and credit monitoring.
CreditRepair.Com works with you to check, challenge and eventually change your credit score for the better. As the leading provider in credit repair services, they are a group of professionals who educate and empower people like you and me to achieve the credit scores we deserve.
When I was really down about where life had taken us, CreditRepair.Com helped me realize that credit is not written in stone and that I am so much more than a credit score even though my credit wouldn’t fix itself. You can get help too at CreditRepair.com with a free consultation and you can start working on building that credit to become a first time home buyer.
NOW THAT I’VE SHARED MY TIPS FOR FIRST TIME HOME BUYERS, I WANT TO HEAR YOURS.
You’ve likely done some research. What are some of the top tips you’ve found with regard to buying your first time?