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The Quick Guide to Buying a Home

The Quick Guide to Buying a Home

When you’re buying a home, it can be exciting and frightening! If you’re a first time homebuyer, it can be hard to know what to expect. That’s why we created this infographic that walks you through the complete home-buying process.

Surprisingly, buying a home doesn’t actually start with looking at homes. It starts with looking at your budget to see how much of a mortgage payment you could afford each month. Then, you begin saving for a down payment and shop around for the best mortgage with the least expensive interest rate. During this time, you can hire a highly recommended buyer’s agent who can help you find your dream home.

After getting your finances in order, you should decide what you want and need in a home, and then give that list to your buyer’s agent. The agent can take this list and find possible houses that you may be interested in at your price range.

Once you have found the perfect home, make an offer. Depending on your offer, you and the seller may haggle until you agree on a price, in which time you will enter into contract on the home. While the home is under contract you as the buyer must finalize the mortgage, have the home appraised, surveyed and inspected, and purchase title and home insurance.

Finally, you and the seller enter closing, where you will pay for the down payment and provided services that got the home ready. (Title insurance, appraisals and home inspections.) The seller hands over the keys, and with that you’re the owner of a home!

Quick guide to buying a home 2

    Featured photo credit: Landmark Home Warranty via landmarkhw.com

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    Last Updated on March 24, 2021

    8 Smart Home Gadgets You Need in Your House

    8 Smart Home Gadgets You Need in Your House

    We’ve all done it. We’ve gone out and bought useless gadgets that we don’t really need, just because they seemed really cool at the time. Then, we are stuck with a bunch of junk, and end up tossing it or trying to sell it on Ebay.

    On the other hand, there are some pretty awesome tech inventions that are actually useful. For instance, many of the latest home gadgets do some of your work for you, from adjusting the home thermostat to locking your front door. And, if used as designed, these tools should really help to make your life a lot easier—and that’s not just a claim from some infomercial trying to sell you yet another useless gadget.

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    Take a look at some of the most popular “smart gadgets” on the market:

    1. Smart Door Locks

    A smart lock lets you lock and unlock your doors by using your smartphone, a special key fob, or biometrics. These locks are keyless, and much more difficult for intruders to break into, making your home a lot safer. You can even use a special app to let people into your home if you are not there to greet them.

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    2. Smart Kitchen Tools

    Wouldn’t you just love to have a pot of coffee waiting for you when you get home from work? What about a “smart pan” that tells you exactly when you need to flip that omelet? From meat thermometers to kitchen scales, you’ll find a variety of “smart” gadgets designed to make culinary geeks salivate.

    3. Mini Home Speaker Play:1

    If you love big sound, but hate how much space big speakers take up, and if you want a stereo system that is no bigger than your fist, check out the Play:1 mini speaker. All you have to do is plug it in, connect, and then you can stream without worrying about any interruptions or interface. You can even add onto it, and have different music playing in different rooms.

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    4. Wi-Fi Security Cameras

    These are the latest in home security, and they connect to the Wi-Fi in your home. You can use your mobile devices to monitor what is going on in your home at all times, no matter where you are. Options include motion sensors, two-way audio, and different recording options.

    5. Nest Thermostat

    This is a thermostat that lives with you. It can sense seasonal changes, temperature changes, etc., and it will adjust itself automatically. You will never have to fiddle with a thermostat dial or keypad again, because this one basically does all of the work for you. It can also help you to save as much as 12% on heating bills, and 15% on cooling bills.

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    6. Smart Lighting

    Control your home lighting from your remote device. This is great if you are out and want to make sure that there are some lights on. It is designed to be energy efficient, so it will pay for itself over time because you won’t have to spend so much on your monthly energy bills.

    7. Google Chromecast Ultra

    Whether you love movies, television shows, music, etc., you can stream it all using Google Chromecast Ultra. Stream all of the entertainment you love in up to 4K UHD and HDR, for just $69 monthly.

    8. Canary

    This home security system will automatically contact emergency services when they are needed. This system offers both video and audio surveillance, so there will be evidence if there are any break-ins on your property. You can also use it to check up on what’s happening at home when you are not there, including to make sure the kids are doing their homework.

    Featured photo credit: Karolina via kaboompics.com

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