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Internet Home Buyer's Guide
The Internet is a great place to find out how to buy a home in the convenience and privacy of your own living room. Some of the services are free and others will require a nominal fee. If you are serious about buying a home and want to do everything possible to make it a successful venture, the following suggestions are worth the time and effort. Check your credit. There are three major credit-reporting agencies and you are entitled to one free credit check a year. Equifax at: or Trans Union at charge about $8.00 or http://www.icreditreport.com has an online for $8.00 or a combination of Equifax, Experian, and Trans Union for $29.95. If you think you may have credit issues to clear up http://www.MyCreditCoach.com can help you maximize your FICO score for $19.95 Research Neighborhoods - Community profiles can provide valuable information necessary to decide on potential neighborhoods. Sources for demographic, economic, and school information are: or me, I have access to all kinds of neighborhood or school info mailto:alisa@2cre.com just let me know what you are looking for and how to get it to you: mail, pick up or email a pdf file. A crime statistics tutorial can be found at http://www.crime.org/ and is designed to allow you to easily locate and assess the accuracy of crime statistics. Get Pre-approved - Online mortgage brokers like E-Loan provide customers a wide variety of lenders and loans programs to insure the best match for their needs. In many cases, the fees charged are less and there may be no up-front fees required. The loan commitment, usually available in 24 hours, can help you negotiate a better price for the home because the seller will feel more secure about the sale actually closing. Answers to your questions about mortgages from a Wharton professor and nationally syndicated columnist and recognized expert on mortgages can be found at http://www.mtgprofessor.com/ Search for a Home - nationally REALTOR.com can be found at http://www.realtor.com offers the greatest number of online listings but I consider most of them dated. If you are looking for metro Denver homes click this for an automated email home finder service http://www.2cre.com Making an Offer - Your experienced agent can supply you with comparable sales that will help you determine what kind of bid to make for the home. There are online services, such as http://www.inpho.com and http://www.experian.com/consumer/index.html for a small fee that also provide sales information. Inspect the Property - An objective, unbiased report on the condition of the structural, mechanical, electrical, and plumbing systems will help you avoid unnecessary surprises. The American Society of Home Inspectors can provide you a list of local inspectors by going to http://www.ashi.com Print a home inspection guide from http://www.freddiemac.com/homebuyers/index.html Settlement - Once your agent has negotiated a successful contract, you will need to complete the loan process by having the appraisal on the property made. Prior to the closing, you will need to provide property insurance. If you don't have an insurance agent, go to http://insurance.yahoo.com Moving - Planning the actual moving requires time to arrange for a mover, sorting what is going to the new home and what is going to be sold, discarded, or donated. Proper packing is important to prevent damage to your valuables. For suggestions and a moving estimate, go to http://www.moving.com/ Home Improvements - ServiceMagic and http://www.improvenet.com/ matches consumers with local contractors and designers through a national database of over 630,000 contractors. The retailer Home Depot is a great source for home improvement advice and ideas. To get started, choose from hundreds of great How-to projects, go to http://www.homedepot.com Change of Address - http://www.addresscentral.com or http://www.usps.gov |
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