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What You Need to Know Before Buying a Home

What You Need to Know Before Buying a Home

House hunting can be tough. You may spend endless weeks or even months searching for that perfect home you are envisioning. When you do find it, your first impulse might be to jump right in and sign on the dotted line. After all, you don’t want to lose out to another buyer. However, before you take that plunge, here are 14 important things to do in order to ensure your dream home doesn’t turn into the stuff of nightmares.

1. Research the Neighborhood

Find out all you can about your new neighborhood online. Search government websites, tourism agencies, and any community forums or blogs. These places will let you know what’s going on in the community, what development is planned, and if any festivals or celebrations are in the works.

You’ll also want to check crime reports before moving in. Try the local police station for crime statistics, or try your search online. There are websites, such as CrimeReports, where you can find specific information linked to an address or a ZIP code.

neighborhood
    2. Know Your Loans

    Before you agree to a mortgage loan, make sure you know exactly what you’re getting into. Do you want a fixed rate or adjustable rate loan? What will your monthly payment amount be? Do you want it for 15 or 30 years? Are there any penalty fees, such as for early repayment? What will your closing costs be? Make sure you understand all these points before signing.

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    3. Take a Test Drive

    Sure, traffic may be light on the weekends when you’re visiting the home, but what will your workday commute be like? In order to avoid any unpleasant surprises, take a drive during rush hour to see exactly how much traffic there is and how long your commute will be.

    commute
      4. Check the Schools

      Be sure to check and see if your home is located in a good school district. You can check school district performance at GreatSchools. A school district that consistently performs well will help your home retain its value, so it’s important to look into this whether you have children or not.

      5. Get It in Writing

      Make sure your real estate agent includes everything that’s necessary in your offer – your price, finance terms, if you want the seller to assist with closing costs, a home-inspection contingency, what appliances will stay, closing date, etc. Read your offer carefully, and be sure to read anything you receive from the seller just as carefully before signing anything.

      6. Get a Home Inspection

      It’s vital to schedule a home inspection before agreeing to purchase a home. You need to know if the house is structurally sound, if any repairs are required and how much they would cost. You can request that the seller pay for any necessary repairs, in whole or in part.

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      If the home has a well, make sure the water has been tested. You should also check the tap water quality to see if you would need to put in a water purification system if you moved in.

      7. Get Full Disclosure

      Demand full disclosure from the sellers on any issues the home may have had. Were any major repairs ever required? Is there a history of termites? Have there been issues with water damage or mold? If the home was built before 1978, was lead-based paint used? Is the home at risk for natural disasters, like flooding, earthquakes or tornadoes? Has anyone died in the house or were any crimes committed there? These are all things you are entitled to know.

      8. Visit at Different Times

      Be sure to visit the house on weekends, weekdays and weeknights in order to see how quiet or noisy the neighborhood is. Are there loud weekend parties at the house next door? Does a train a few miles away honk their horn every Saturday morning when passing? It’s better to know these things in advance and avoid any unpleasant surprises.

      house at night
        9. Know Your Taxes and Other Fees

        Keep in mind that your mortgage will include much more than just your principal and interest payment. You will also need to figure in your tax and insurance payments. If you must join a homeowner association, know the fees. Also, don’t forget to include your utility bills to your list of monthly expenses. It all adds up.

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        10. Check Out Amenities

        Research amenities that are near your new home, such as parks, pools and golf courses. Will you be able to walk there? How long will you have to drive? It would be nice to know if a playground is nearby if you have children, or if the library is a mere five-minute drive away.

        park
          11. Find Out Where the Sun Hits

          This may not be something you’d usually think about, but it can be important, especially if you love having the sun wake you up in the mornings. Be sure to have windows facing east and west so you can have natural light the majority of the day.

          12. Be Neighborly

          Talk to neighbors to get a good feel for the neighborhood in general and the people you’ll be living near in particular. They can clue you in on fun events, like neighborhood garage sales, or on any problem neighbors, like the grumpy old lady who doesn’t like kids. (This is also a great time to ask about that train!)

          13. Figure in the Cost of Furniture

          If you’re moving from a tiny apartment to a large, single-family home, you will need to buy furniture. If you haven’t been shopping lately, you may be in for a rude surprise when you see those price tags. Try visiting flea markets and garage sales, or try a website like Freecycle, where people go to unload items they no longer want for free.

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          14. Consider Your Future

          Buying a home is a huge investment, and you’ll likely want to stay put for a while. Make sure the house will fit your future needs, whether you plan to have children, retire or face any other major life changes. Make sure the house works for you now and later.

          With this information at hand, you should be able to find the perfect house, in a great neighborhood, for you.

          Featured photo credit: Charles L via unsplash.com

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          Last Updated on July 12, 2021

          100 Incredible Life Hacks That Make Life So Much Easier

          100 Incredible Life Hacks That Make Life So Much Easier

          Want to learn some quick and easy life hacks that are easy to do, low cost and saves you time?

          By tweaking little things in your daily life, it can make your life much more convenient!

          Here’re 100 of the most practical life hacks so you can just pick up any of them right away!

          83 tie a small piece of bright colored fabric

            84 write random letter

              85 use a rubberband

                86 dorm smell bad

                  87 lean your phone on your sunglassess

                    89 how to waterproof your shoes

                      90 take a picture of the name card

                        91 iron inside out

                          92 old newspaper

                            93 tumble try shoes

                              keep a card like this

                                SONY DSC

                                  94 soap bar

                                    95 make a hole

                                      96 drop the battery

                                        97 use a coozie

                                          98 when taking a picture

                                            use a clean dust pan

                                              try a pants hanger

                                                use your cellphone light

                                                  use a spring from an old pen

                                                    quick and easy iphone speaker

                                                      user binder clips

                                                        wrap a wet paper towel around your beverage

                                                          put pancake mix in a ketchup bottle

                                                            clean out an old lotion bottle for your beach

                                                              use a muffin tin to serve condiments at a bbq

                                                                doritos are great for kindling

                                                                  use nail polish to identify different keys

                                                                    use a hanging shoe rack to store cleaning supplies

                                                                      freeze grapes to chill white wine without

                                                                        use paper clips to organize your cables

                                                                          almost finished your jar of nutella

                                                                            sick of having a box full of tangled

                                                                              unroll the rim to increase the capacity

                                                                                cut open toilet paper rolls and use as a cuff

                                                                                  remove the stem from strawberries

                                                                                    turn an old bottle into a simple little cord holder

                                                                                      for iced coffee and iced cappuccino, use frozen coffee cubes

                                                                                        how to fold a fitted bed sheet

                                                                                          tired of snoozing past your alarm

                                                                                            place a rubber band around an open paint can to wipe your brush on

                                                                                              ut a wooden spoon across a boiling pot

                                                                                                use bread clips to save flip-flops

                                                                                                  take pictures of friends holding items

                                                                                                    how i always know which headphone is the left one

                                                                                                      put a stocking over the end of a vacuum

                                                                                                        How to make sure you drink enough water

                                                                                                          user a can opener to open blister

                                                                                                            good sandwich guide

                                                                                                              turn your muffin pans upside down

                                                                                                                50 pounds of groceries and living on the 5th floor

                                                                                                                  the right way to make a blt

                                                                                                                    add one teaspoon of baking soda

                                                                                                                      38

                                                                                                                        hair straighteners equals to collar irons

                                                                                                                          stack your clothes vertically to see them all

                                                                                                                            the right way to make cookies in the summer

                                                                                                                              how to clean a blender

                                                                                                                                the right way to eat a popsicle

                                                                                                                                  use bread clips to label and organize power cords

                                                                                                                                    to get the built up residue off of your shower head

                                                                                                                                      user a hair clip to orgainize long wires

                                                                                                                                        a frozen saturated sponge in a bag

                                                                                                                                          rub stuck zipper teeth with a graphite pencil

                                                                                                                                            use a soda pop tab

                                                                                                                                              50

                                                                                                                                                51 How to multiply large numbers in your head.

                                                                                                                                                  52 How to open a bottle if you dont have a corkscrew.

                                                                                                                                                    rub a walnut on damaged wooden furniture

                                                                                                                                                      kids fall out of bed

                                                                                                                                                        use toothpaste to clear up hazy car

                                                                                                                                                          58

                                                                                                                                                            59 keep pizza out while driving home

                                                                                                                                                              60 put your straw through the tab to keep it from rising

                                                                                                                                                                hold oreos with a fork so your fingers

                                                                                                                                                                  Never lose your remotes again

                                                                                                                                                                    hiding your emergency money

                                                                                                                                                                      use a bread tab to hold your spot on a roll

                                                                                                                                                                        if you are at a hotel and run out of chargers

                                                                                                                                                                          keep a square of cardboard in a ziplock bag

                                                                                                                                                                            If you need to pee or smoke at a bar

                                                                                                                                                                              drill holes in the bottom of your garbage

                                                                                                                                                                                use an accented letter as your passcode

                                                                                                                                                                                  use a squeeze ketchup bottle top with your shopvac

                                                                                                                                                                                    do something unusual when locking the door

                                                                                                                                                                                      when heating leftovers space out a circle in the middle

                                                                                                                                                                                        dont burn yourself in those hard to reach candles

                                                                                                                                                                                          put a small amount of water in a glass when you microwave your pizza

                                                                                                                                                                                            75 use a piece of paper to organize

                                                                                                                                                                                              use half a pool noodle

                                                                                                                                                                                                pencil case to store cables

                                                                                                                                                                                                  78 clothespin to hold nail

                                                                                                                                                                                                    79 make blts

                                                                                                                                                                                                      80 take a picture of your fridge

                                                                                                                                                                                                        81 fill plastic water bottles

                                                                                                                                                                                                          82 right ways to eat chips

                                                                                                                                                                                                            99 if your plug keeps failing

                                                                                                                                                                                                              100 put the banana on the wire

                                                                                                                                                                                                                88 before you throw away a post it

                                                                                                                                                                                                                  Source: Reddit LifeProTips

                                                                                                                                                                                                                  There you go, 100 awesome life hacks that you can try right now to make your life a lot easier!

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