There is no “right” answer. It depends on your specific circumstances and finances.
If you sell your current home first but haven’t found the right new home, you may need to rent for a period of time until you find the right home. Having cash in hand is always an advantage and may allow you to negotiate better terms since you are now waiting for your other home to sell. No one wants to move twice but sometimes it can have an advantage.
Please call or email me when you’re ready to discuss your options or if you would like a valuation of your current home. Please don’t hesitate to contact me if I can answer any questions.
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When we begin looking for a home, we often get wrapped up in the physical details like style, the number of bedrooms and bathrooms, and amenities. But we don’t always consider the quality of life issues that may impact your ability to enjoy the home. Here are some other things you should keep in mind:
* Transportation is an important consideration that’s often overlooked. Consider traffic flow and commute time.
* Recreational facilities such as playgrounds, parks, and pools are important to many people. Are they nearby? Is there a fee for these amenities?
* How far is the grocery store, day care and school?
Be realistic. There are no perfect homes. Decide what’s most important to you, and make sure you find a home that has the essential features that you require. Be prepared to compromise on some of the items on your wish list in order to get others.
As your personal real estate consultant, I will help you identify the key items and assist you in prioritizing them. When you’re ready to purchase a home, I’ll be happy to answer any questions and help you find a house that truly feels like a home to you.
Please don’t hesitate to contact me if I can answer any questions.
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* Being clear on why you are moving.
* Deciding when you want to make your move.
* Considering how much money you would like to spend.
* Thinking about what type of home you would like .
* Deciding where you would like to live.
The next step is usually finding out how much you can qualify for and deciding the type of financing that will work best for you. I am happy to refer you lenders I work with who can answer your questions and get you pre-approved.
As you get more serious about buying, you will want to speak with a lender about getting pre-approved. The lender will determine how much you can borrow based on financial information you provide.
Once you’re ready to start the process, I’d be happy to meet with you help outline your goals and needs and discuss the what to expect during the buying process. Please don’t hesitate to call or email me for additional information about the buying process. My goal is to provide you with practical information as you consider your next move. And, when you’re ready to make your move, I’ll help you find your dream home and handle all the details of the transaction, so all you need to do is pack!
Please don’t hesitate to contact me if I can answer any questions.
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There are so many factors to consider that it is important to have an idea of what you want and need before you begin looking. As a real estate professional, part of the service I provide is to assist you in making a checklist of your needs and prioritizing this list with you.
The list below may help you clarify your thinking on what is important to you when you are ready to purchase.
* What type of neighborhood would you like to live in?
* What monthly payment are you comfortable with?
* What type of home interests you? (one-story, two-story, split-entry, townhouse, condo)
* What style appeals to you? (contemporary, traditional, ranch)
* Are schools a factor?
* How long of a commute are you comfortable with?
* How many bedrooms and bathrooms do you need? How many do you want?
* What features are important to you? (basement, fenced yard, office, etc.)
* What about exterior features such as # of garages, corner lot, cul de sac?
* Which of these are MUST have and which are NICE to have?
When you are ready to start your search, I will be happy to help you find a home that meets your needs. My goal is to make this a fun and enjoyable experience and to use my experience to find you the right home.
Please don’t hesitate to contact me if I can answer any questions.
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President Obama signed the bill extending and expanding the home buyer tax credit. The credit was part of a bill that included more aid for jobless workers and broadened tax breaks for businesses. The measure passed the House by a vote of 403 to 12, one day after it was unanimously approved by the Senate.
HOME BUYER CREDIT EXTENDED
The bill also extends the $8,000 tax credit for first-time home buyers until April 30, 2010. The credit was previously set to expire on November 30, 2009. The new law expands the credit to cover more affluent buyers. The bill will raise the adjusted gross income cap to $125,000 for single filers and $225,000 for joint filers. The amount of the credit currently begins to phase out for taxpayers whose adjusted gross income is more than $75,000, or $150,000 for joint filers.
HOME BUYER CREDIT EXPANDED
The new bill also creates a new $6,500 credit for repeat buyers who have been in their current home for at least five years.
The credit will be available only for the purchase of principal residences priced at $800,000 or less.
The credit does not have to be repaid as long as you stay in the house is your principal residence for three years after the purchase date. However, this would not apply in the case of a member of the Armed Forces, military intelligence or Foreign Service who is on extended duty. In addition, members of the military who have been deployed overseas for 90 days or more in 2008 or 2009 would have until April 30, 2011, to claim the home buyer tax credit.
INTEREST RATES FALL BELOW 5%
The Mortgage Bankers Association said rates on 30-year fixed-rate mortgages fell below 5% for the first time in four weeks. The 5% level is something of a psychological tipping point, typically sparking home loan refinancing activity.
The MBA said its seasonally adjusted index of mortgage applications, which includes both purchase and refinance loans, for the week to Oct. 30 increased 8.2% to 608.3. Low mortgage rates, high affordability and the federal government’s $8,000 tax credit for first-time home buyers – part of the stimulus bill – have helped pave the way for stabilization.
The National Association of Realtors said pending sales of previously owned U.S. homes unexpectedly rose in September to their highest level in nearly three years ahead of the Nov. 30 expiration of the tax credit.
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I specialize in North Atlanta and cover these counties (and cities): Cobb (Marietta/Kennesaw/Acworth/Smyrna), Cherokee (Woodstock) and N. Fulton (Roswell/Alpharetta). I work with buyers and sellers.
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