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Thursday, October 18, 2007
The ABC's of Preparing to Buy A Home
Do you need a condo, a small home, or a large home? How many bedrooms is the minimum? Is it necessary to have more than one bath, more than two?
Do you need a workshop, a garage, or a basement? Would you prefer a city lot or some acreage?
Do you have a dream home that is a certain style? Is it a must to be on one level?
Do you need two levels for privacy? Is it mandatory to have a bedroom on first floor?
B. Contact a Lender.
Unless you plan to pay cash, contact a lender. They can help you figure how much can you afford. They will explain payments, taxes, and insurance to you.
If you are making a local move, check with your bank to see what they can offer you. Ask friends or co workers for a reference for a lender.
If you are moving to another area, you can either contact a lender in the new area or go to a local lender who is willing to make a loan in another area, such as a franchise or a bank with a branch in both areas. Find someone you trust and with whom you feel comfortable.
C. Select a Realtor.
If you need to move to another town, you can ask a local realtor for a referral.
Check the web for local realtors. Call a lender and ask for a reference for a realtor. Staying in the area, ask friends for a reference if you do not know a realtor.
Examine your own needs in a realtor. Do you want someone who will give you personal attention? Do you need advice on school districts, retirement communities, a place to work, or volunteer?
Do your homework and it will make it much easier for you. We at C. Ervin & Associates would love to help you find your perfect home or help with your other real estate needs in Morganton or Burke County.
cervin@cervin.com
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