Buying a new 首页 is exciting and confusing.
There are a lot of steps to
buying a 首页, and people have questions. These are the most common
questions 首页 buyers have, and the answers.
1. How do I get started? – The first step is to speak with a lender and
get a pre-approval. This will tell you, and potential sellers, how much you
能负担得起.
2. How long does it take to close on a 首页? – Typically, it takes
about 30-45 days once contracts are signed to complete the lending,
appraisal, and inspection processes.
3. What does my agent do? – A buyer’s agent will negotiate terms and
manage the 关闭 process from start to finish.
4. How much do I pay for a buyer’s agent? - - - - - -没有. 卖方的
agent gives the buyer’s agent a portion of their commission from the seller.
5. What credit score do I need to qualify? – A 620 FICO score or
higher is required for most 首页 loan programs. Talk to a lender for other
options for lower scores.
6. How much money do I need for a down payment? -因人而异. 联邦住房管理局
loans start as low as 3% and most lenders offer standard programs for a
5% down payment.
7. What other fees will I need to pay? – Closing costs and loan
origination fees will add another 2-4% to the costs.
8. What if I change my mind? – Your agent will work with you to build
in contingencies for condition, loan terms/approval, and other protections to
allow you time to evaluate the 首页 during escrow.
9. When do I get the keys? – Unless you’ve negotiated extra time for the sellers to move, you’ll get the keys at the 关闭.
10.What’s the best advice for 首页 buyers? – Trust the experts and ask lots of questions.
Buying a new 首页 is exciting. Reduce any anxiety by finding a good buyer’s agent who can help you make the best choice for your needs.