With years of experience of buying and selling real estate in Helena, MT, I am the perfect agent to guide you through the home-buying process.
Buying a real estate in Helena, MT, should be a positive memorable adventure for every family. The process can seem pretty stressful, but with the help of the buyer’s agents at Helena Real Estate, everything will run smoothly. Vicki Gleich stays up to date with the real estate market and trends which will make buying your home much simpler. Now that you’ve decided to buy a home, here are some things for you to consider.
Hire a buyer’s agent. Hiring Vicki from Century 21 Heritage Realty will save you a lot of time and money. You can sit down with her and tell her exactly what you’re looking for in a home. She can send you Helena Montana real estate listings (even some that aren’t on the market yet) that will fit all of your wants and needs. She knows when a home is overpriced, and she are more than willing to negotiate prices for you.
Start searching for a home. When you begin your search, keep in mind how many bedrooms and bathrooms you need, the commute time, the local schools, and more useful information to you and your family. Looking at too many homes at once can be overwhelming, so stick to searching seven homes maximum. Try to be open-minded about the homes you’re interested in. An unattractive shade of paint may make you think twice, but just remember that paint can be changed. Every home has minor downfalls, but don’t minimize a home because of a small detail. You could be missing out on the home of your dreams. Vicki can help you figure out which homes are worth your time.
Figure out which neighborhood is right for you. There are a lot of neighborhoods for you to choose from in Helena. Depending on which area you would like to live in, you may be near a lot of action. Some of this action will come from the upcoming grand opening of Helena’s own HWY 55 Burgers, Shakes & Fries. You can learn only learn so much from a home by looking at it online, so be sure to take a road trip and visit the home, and neighborhood, in person. There are many Helena, MT, houses for sale, but only a few made for you. If you would like to learn more about the city, check out the City of Helena website.
Learn the financing basics. There are a couple of things you should be knowledgeable of before you decide to purchase a home. First, the difference between a fixed-rate and adjustable-rate mortgage (ARM), and the difference between pre-qualification and pre-approval. According to Investopedia, fixed-rate mortgage is a mortgage that has a fixed interest rate for the entire term of the loan. An ARM is a type of mortgage in which the interest rate applied on the outstanding balance varies throughout the life of the loan. Your buyer’s agent can help you decide which type of loan is best for you.
Pre-qualification could suggest that you simply went to an online lender site and put in your information, and were approved to be lended money based solely on credit. However, doing only pre-qualification will make sellers less likely to choose you as the buyer. A pre-approval, on the other hand, is more complex. When you are pre-approved for a mortgage, it means a lender has determined how much you can borrow, the loan programs that you may qualify for, as well as the interest rate you qualify for. A seller will be more likely to choose you as the purchaser if you have filled out a pre-approval rather than a pre-qualification. If you need help with either of these steps, feel free to contact Vicki.
Start setting aside money. There are a plethora of Helena, MT, homes for sale right now that would be perfect for you. The question is, do you know how much money you’ll need to save up for your home costs? If you need help figuring it out, use our mortgage calculator tool. Now is the best time to start saving any extra money that you have so that you can build your down payment.
Do a home inspection. Home inspections are required by lenders before a loan is disbursed. Pillar to Post Home Inspectors are great inspectors to hire for the job. If the inspector finds anything wrong with a home, you can give the seller a “Request for Repair” and more than likely, the seller will go through with the repair. You could also use the cost of the repair to negotiate the home’s price as well.
Submit a strong offer. Submitting an offer that is neither too high or too low can be very tricky. Your best bet is to gather expert advice from Vicki Gleich at Century 21 Heritage Realty. It’s also important to negotiate a sale, too. A seller can price a home however they please, but a buyer’s agent can tell you exactly how much a particular home is worth. Have your agent help you negotiate a price.
Read the fine print. Read everything thoroughly, and make sure that you get all of your agreements in writing and included in the contract as well. Vicki is the perfect person to help you make sure all of your agreements and needs are met in the contract before you sign the contract.