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SpinDistribute.com Article Directory

The following article was published in our article directory on September 22, 2010.
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Real Estate: Homebuyers' Guide

Article Category: Real Estate

Author Name: Josh Brown

Real estate refers to any parcel of land including any building, structures, or fixtures which may be attached to it. Real property meanwhile defines the ownership of said estate. In some cases, real property is defined simply as the ownership of the physical estate while real estate includes the rights and any value which may be attached to the property including interests and appraised value.

There are many facets to the buying and selling of real estate, including but not limited to its acquisition for investment or speculation purposes. For private individuals, acquiring real property only serves one purpose – and that is to have a house which they can call their own.

First time homebuyers who are planning on buying a house is well advised to follow these simple steps to avoid being buried in debt or having their property foreclosed:

1. Save money – this is practical. You do not want to go into mortgage when you are already in debt. Buying a home also means you need to pay at least 20% downpayment in order to secure the loan needed to finance the sale.

2. Do some homework – buying a house is a very big investment. Costing thousands to millions of dollars, buying a house is no joke. You need to be really prepared and up to do the work of checking information and all the facts if you want to make the best decision possible. Collecting data and comparing prices is an excellent step to take if you want to get the best deal available in the market.

3. Check your credit report – make sure you have at least a positive credit record before inquiring on any housing loan. The size of the loan and the interest on mortgage payments you will be qualified for depends on your credit record. A better credit score would translate to better loan options as well as lower interests applied on your loan. While there is no minimum credit score required for homebuyers, a score of 620 or greater would make your application likelier to be approved.

4. Enlist the services of a realtor or a real estate agent – no one can help you better than a realtor or an agent in helping you find that perfect home you want. Realtors have the advantage of having years of experience plus their extensive list of contacts and information available to them which they have acquired over the years. They may know of certain properties or a house being sold which you may have missed. Consulting a realtor is also a good investment as you do not want to get into a situation wherein you have completely no idea what you are doing.

5. Seek mortgage pre-approval – if you can get pre-approved for a loan, you stand better chances of getting a better deal from home sellers. Agents or homeowners consider pre-approved buyers as more serious and a safer option than buyers without pre-approval. Sellers want to be assured that they'd be closing the sale of their property to someone with the capacity to pay.

Keywords: Real Estate, Wholesale Real Estate

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