假日免付单又回来了! Take a break from your loan payment(s) this holiday season and keep the cash.
买房是一个重大的决定. Unlike tenants who make monthly rent payments, homeowners are responsible for any repairs, 升级, and renovations they wish to make on a property, and additional costs like insurance and local 房产税 can take first-time buyers by surprise.
到2020年，超过39.31万户家庭是这样 在德克萨斯州销售, an increase of nearly 10 percent from 2019. Despite 2020’s economic shutdown due to COVID-19, nearly $38 billion was spent on constructing new homes for the single-family market. Single-family private construction value also increased nearly 14 percent.
之前 购买房屋, buyers should assess their budget and how long they’re planning to stay in the area. a的平均价格 德克萨斯州的家 从224,500美元到339,900美元不等. In 2019, the state’s median home price increased by nearly 8 percent, with a significant percent of growth taking place in central Texas near Austin and San Antonio.
还要付首付款, 关闭成本, 代理费用, 鉴定费用, and mortgage origination fees can add 2-5 percent of the loan’s total to the overall cost.
Federal Housing Administration (FHA) loans are often popular among first-time homebuyers with credit scores around 580. 在理想的情况下, adults should have credit scores of at least 620 and debt-to-income ratios that fall between 28 percent and 31 percent. Putting down at least 20 percent of the overall property value can also lead to a lower interest rate. 然而，也有 可用选项 for buyers who are unable to make down payments of at least 20 percent, 信用评分低, 或者高债务收入比.
During the mortgage pre-approval process, you’ll be asked to submit an application with your personal information. Lenders may verify this data by calling your current employer to check your work history, 验证您的当前资产, and contacting any of the three credit reporting agencies (TransUnion, Equifax, and Experian) to assess your credit score.
T在这里 are many ways to search for your dream home. 许多人 开始在网上search to familiarize themselves with the current market and explore different 社区s. The next step is to hire a real estate agent to help them narrow down their choices.
Anyone searching for a home should identify the ideal features they’re looking for by making a list of important qualities and showing it to their real estate agent or keeping it nearby while browsing online.
他们应该考虑总体成本, 面积(平方英尺), 卧室及浴室数目), 总体情况, 任何可能的维修或翻新, 位置, 社区, 学区, 房产税, 前院和后院的大小, 和更多的. It’s important to remain patient during this process. You may need to look at several homes before deciding to purchase one.
当你选择了理想的家, submit an offer in writing with your desired price, an earnest money deposit (1-2 percent of its total cost), and a deadline for the seller to respond. If you’ve hired a real estate agent, they will typically do this for you.
Don’t be afraid to walk away if the seller is unwilling to negotiate to the price you want. T在这里 are many available homes to choose from, and sticking to a price you can afford will save you from financial headaches in the future.
A certified inspector will look for any electrical, 屋面, 设备, or structural issues that a home may have. You will receive a list of these problems, and any major drawbacks should be addressed with the seller before closing. Buyers can ask for a price discount if multiple repairs are needed, or the seller can fix the issues or cover some 关闭成本.
A home appraisal is just as important as an inspection and is required before receiving a mortgage loan. This will assess the current value of the property. Buyers should always conduct a final walkthrough to make sure any agreed-upon issues have been resolved by the seller and that nothing was overlooked.
在闭幕会议上, 买方应携带有效的身份证件, 资金证明, 以及其他必要的文件. 在签字之前, they will be asked to carefully read over the closing disclosure, verifying the loan estimate and settlement statement before signing the mortgage note and deed.
The home-buying process can seem lengthy and complicated, but education and preparation can help Texas residents find the best homes for their needs. 学习 more about 购买房屋 by downloading our 置业指南 在这里.
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