Winder Home Buying

A Young Couple Who Just Closed on Their First Home!

According to Market Watch, “more Americans became homeowners in the spring, and the number of renters decreased, adding to evidence that consumers still aspire to ownership despite ongoing housing market headwinds.

The national homeownership rate rose to 64.3% in the second quarter, the Census Department reported Thursday, up from 64.2% in the first three months of the year. What’s more, that marked the sixth-straight quarter of yearly increases.”

Here at Century 21 Community Professionals Realty, we’re passionate about helping as many people achieve their dream of homeownership as possible. We believe in the value of owning, building equity, and passing assets along to the next generation. 

Have questions about homeownership? We’re here to help. 

7 Top Things You Must Know When Buying a Home In Winder, Georiga (GA) 

  1. Analyze Your Finances – be realistic about what you can afford. Housing costs should not be more than about 30% of your gross monthly income. Keep in mind that you need to include the cost of taxes and homeowner’s insurance into your monthly housing costs. 
  2. Gather Documentation – When applying for a mortgage, homebuyers must document income and taxes. usually mortgage lenders will request at least two recent paystubs, the previous two years W-2’s, tax returns, and the previous two months of bank statements. 
  3. Get Prequalified – Few things are more disappointment than to find your dream home, only to discover you are not qualified to purchase it. Contact your local bank or use a local mortgage broker to learn about different loan options and the best interest rates. 
  4. Choose a Real Estate Professional – Once you know how much you are pre-approved for you should find a good agent. This agent should listen to your needs and wants carefully and make several recommendations to help you find a home that is affordable and suits your needs. Once you make an offer, your agent should work to negotiate terms you are happy with. 
  5. Know What’s Important – Decide up front on what features are most important to you. How many bedrooms and bathrooms do you need? Do you need a home office or a media room? Do you prefer an open layout? Make sure to also make a list of things that are deal breakers. 
  6. Look at the “Big Picture” – When houst hunting, consider each home’s proximity to work, the charm, noise and safety of the neighboorhood, how the home is situated on the lot, it’s ease of access, and traffic, as well as access to parks, shopping, and schools. Check if neighbors window’s look into the home and if the yard is suitable to kids, pets, gardening, or other uses. Are you house hunting? 
  7. Pay for a Home Inspection – If you really love the home, you want to rule out any issues that may prevent you from buying it. Mold problems, termites, foundation problems and a bad roof could not only cost you thousands in repairs later on, some may even disqualify the home from purchase by certain lenders. 

Are you house hunting? We’re glad to help. We would love to help you explore your options. 

Call us today at (678) 963-5390.