February 12, 2013
Things to Consider about Your Home and Land Package Search
Feeling a little overwhelmed by your hunt for the perfect home and land package? It’s natural to have some reservations about such a huge commitment. If you follow suggestions, like the ones below, you will be poised for success in your quest for a new home.
Take all your dreams about a new place, and put them down on paper. How big is your family? What are your hobbies? Do you need a garage? How about a pool? Make a list as long as you want, but remember you can’t always get what you want (but hopefully you will get everything you need in your price range). What is your budget? Take out your calculator and start adding and subtracting things like your total income versus your total debt payments (like car loans). Financial experts recommend spending no more than a third of your monthly income on your housing payment – so figure out that sum, and you will be able to figure out your budget.
For people who are serious about buying a home and land package, it’s important to get pre-approved for a mortgage by a reputable lender. You will be taken as more sincere by sellers with a pre-approval. Another buyer might be able to swoop in and take your preferred home and land package if you don’t have one. If you need help sorting through all the house and land packages available, find yourself a good real estate agent. You should look for a reputable buyer’s agent, who will represent you interests, and protect you from bad investments. Find a partner who can help you on your search – not just someone who sees you as a paycheck.
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Your family has a unique set of needs – be sure to keep that in mind as you go through available home and land packages. Do you prefer to entertain in a formal dining room or a large kitchen? Do you like to have parties for major sporting events? If so, you need a big TV room. Beyond the numbers of bedrooms and bathrooms, these are some of the other things you want to consider when choosing a home and land package.
Hold off on a putting an offer in until you are sure you have found the best place for you. Making an offer can be a complicated process – because you want a good deal, but you also want your dream house and land package. Follow the advice of your real estate agent. They’ve done this before, and can help you devise a bid that is favorable for you and yet competitive in the market.
Because markets vary in terms of demand, so can bids – sometimes it’s enough to offer the asking price. There are times when you might have to offer more because there’s a lot of interest in the house and land package. Everything is negotiable, so be sure to go back and forth with the seller as many times as it takes until you are satisfied with the deal.
If you employ the suggestions above, you should find the home and land package buying process much easier. Remain flexible and stay focused and you should be well on your way.
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Filed under Real Estate by Austin Brown