Build a Plan of Action and Get Ready

Buying a home will probably rank as one of the biggest personal investments one can make. It’s important to anticipate the steps required to successfully achieve your housing goal and to build a plan of action that gets you there.

First, ask yourself how much you can afford to pay for a home. If you’re not sure about the price range, find a lender and get pre-approved. This will alleviate some of the anxieties that come with home buying since you will know exactly what you qualify for and at what rate. Pre-approval will also let you know how large your monthly mortgage payments will be, and what you will need for a down payment. 

Avoid the frustration of finding homes that you think are perfect, but are not in your price range. 

Second, ask yourself where you want to live and what the best location for you and/or your family is. Things to consider:

  • Convenience for all family members
  • Proximity to work, school
  • Crime rate of the neighborhood
  • Local transportation
  • Types of homes in the neighborhood, for example condos, townhomes, co-ops, newly constructed homes, etc.

 

Homes for Families

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4 bed 2+ bath 4,503 sqft 0.97 acres
MLS # 202236657
Coldwell Banker Real Estate Group, Ashley Lambright

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MLS # 202240074
CENTURY 21 Bradley Realty, Inc, Brenda Williams

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3 bed 2+ bath 1,644 sqft 0.12 acres
MLS # 202233855
RE/MAX Results - Angola office, Anthony Isa

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4 bed 1+ bath 1,774 sqft 0.20 acres
MLS # 202210756
Lewis & Lambright Inc, Virgen Morales

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3 bed 2 bath 2,083 sqft 0.32 acres
MLS # 202224355
Mike Thomas Associates, Inc., Patricia Piat

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3 bed 2 bath 1,769 sqft 0.38 acres
MLS # 202232304
Mike Thomas Associates, Daniel Orlando

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3 bed 2 bath 1,456 sqft 0.30 acres
MLS # 202240391
Beer & Mervar REALTORS, David Mervar

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3 bed 2 bath 2,363 sqft 0.39 acres
MLS # 202239306
CENTURY 21 Bradley Realty, Inc, Frank Shepler

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3 bed 2 bath 1,380 sqft 0.18 acres
MLS # 202233141
CENTURY 21 Bradley Realty, Inc, Elizabeth Urschel

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MLS # 202235801
Keller Williams Realty Group, Michael VanDeGrift

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MLS # 202240976
Hosler Realty Inc - Kendallville, Lynnsey Phillips

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MLS # 202236897
North Eastern Group Realty, Richard Fletcher

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Sellers to Avoid

Not every seller is as genuinely motivated as they make themselves out to be.

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Importance of Inspection

As a buyer, you are entitled to know exactly what you are getting in a home.

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There are some sellers that you should avoid.

It is impossible to find the perfect seller. But it is possible to find out which sellers are legit and which ones aren’t. Here are some possible hints:

  • They stall on having the home appraised or inspected
  • They are unable to clear up liens against their property
  • They do not own 100% of their property
  • They push back the move-out date
  • They do not have a replacement property or back up plan

 

The Importance of a Home Inspection

When considering potential homes, don’t take anything for granted, not even what you see or what the seller or listing agent tell you. A professional home inspection is something you MUST do, whether you are buying an existing home or a new one. An inspection is an opportunity to have an expert look closely at the property you are considering purchasing and getting both an oral and written opinion as to its condition.

Beforehand, make sure the report will be done by a professional organization, such as a local trade organization or a national trade organization such as ASHI (American Society of Home Inspection). Not only should you never skip an inspection, but also you should be present with the inspector during the inspection. This gives you a chance to ask questions about the property and get answers that are not biased. In addition, the oral comments are typically more revealing and detailed than what you will find on the written report. Once the inspection is complete, review the inspection report carefully.

You have to demand an inspection when you present your offer. It must be written in as a contingency. If you do not approve the inspection report, then do not buy the home. Most real estate contracts automatically provide an inspection contingency.