When is the right time to buy a home?

Everyone wants to get the best house possible for the best possible price.

There are two factors that come into play. Market factors and Personal Factors.

To get the best value possible, the best month to buy a home is in January, though many winter months will likely yield a better value for buyers, and the least favorable months are May and June since summer is the season to buy.

There may be more to this though. The right time for you could mean more than a specific month or date The right time could be when your credit is cleaned up or your auto loan has been paid off. Some people even may want to wait until their kids are grown before buying a home.

Buying a home is probably the most expensive purchase of your life. A well thought out plan is a good place to start.

Call our office today for a free consultation.

The Home Buying Process

Get Pre-Approval for Financing: This step is So important. It’s like shoppping with Cash in hand when you are pre-approved. The best part is, you go in knowing exactly how much you can spend!

Find The Perfect Place: This is easier said than done. We are talking a large sum of money being spent and it could take 6 months to a year before you find something you want to commit to.

Make Offer~Go into Escrow: Decide how much you are willing to offer. Factor in possible repairs that need to be done and how much you desire the particular property.

Purchase Home Owners Insurance: Many people skip this step thinking that they already know what the home needs. There can always be things that come to the surface later and you want to be protected.

Inspections: Termite, Mold and Roof inspections are the most common. You want to know what you are in for in the long run.

Repairs: Negotialble between Buyer and Seller in most cases..

Survey:Not required but these are nice to have if you want to know where to make improvements, plant trees, et cetera

Title Search: Lenders’s Policy or Owners’s Policy? A Lender’s Policy protects the Lender as long as they have interest in the Property. Owner’s Policy protects you from unseen problems with the title.

Appraisal: To be absolutely sure the price of the home is fair market value, an appraisal is done. Not requires if you are paying cash but still reccomended.

Walk Through: The final walkthrough is important to make sure there is nothing that you may have missed before. Check that any repairs agreed upon have been done and everything looks good.

Closing: Finally, the best part of the deal. Now you own your property. Funds have been settled and you can begin enjoying your new home!

Contact Us

  • 350 E St #510, Eureka, CA 95501
  • (707) 444-3007
  • (707) 845-1215
  • (707) 205-2015
  • ljdisiere@gmail.com

Contact Linda