Articles Tagged "Home-buying tips"

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Buy a House | 17 Posts
Home Safety | 1 Posts
Homeownership | 20 Posts
Market Report | 1 Posts
Midland, MI | 47 Posts
Selling a Home | 10 Posts
May
9

One of the first things to do if you want to buy a home is to put away money. Here's how much you need to save.

If you're thinking about buying a home, you'll need to figure out how much money to save in order to make it happen. By calculating how much you can afford to pay for a home, as well as how you'll pay for a down payment and other initial expenses, you'll be taking important first steps toward buying your new home.

Our REALTORS® share the following information about how much you should save — as well as how to do it — to buy a house:

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October
12

Video Tour Questions - Homebuyers - Ayre/Rhinehart, REALTORS®Video Tour Questions - Homebuyers - Ayre/Rhinehart, REALTORS®

As digital real estate listings continue to grow in popularity, video tours have become a convenient way to view Midland homes for sale from any location. In 2020, health concerns due to the pandemic have essentially made these tours standard operating procedure.

But even the most sophisticated video technology can't reveal the whole picture. Get a more complete view by asking our REALTORS® these seven important questions during a video tour. 

  1. Can You Send Me a Floor Plan?
    If you can't visit a home in person, perspective is one aspect where a two-dimensional view is more helpful than video. A printed floor plan shows exactly where each room is in relation to the others. You can also use the plan as a prompt to ask the real estate agent about doorways and other shared features. Request the floor plan ahead of time so you can follow along during the live tour.

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February
3

Buy a House - Home Warranty - Ayre/Rhinehart REALTORS®

February 10th is National Home Warranty Day, and it's the perfect day to sit down and determine if the home you want to purchase requires a warranty. When our clients buy a home, our REALTORS® recommend carefully considering the options (and possible consequences) when making this critical decision.

Purchase a Warranty for Peace of Mind

Your home is one of the most significant investments you'll ever make. You'll invest time, money, and resources in the property as the years go by. Purchasing a warranty can give you peace of mind that if something goes wrong, all of the time and money you invest in the property won't go down the drain. At a typical cost of a few hundred dollars per year for a single-family home, a home warranty is a relatively inexpensive line-item in your budget.

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January
20

Real Estate Agent Help - Ayre/Rhinehart REALTORS

Your real estate agent is a master of many skills. Your real estate agent does more than help you navigate the terms of the contract when you purchase Midland Homes for Sale. They are a coordinator, negotiator, mediator, and manager who ensures all the details of the transaction fall into place. Many first time home buyers and seasoned real estate investors are surprised to learn that real estate agents can also perform the following tasks.

  • Help with Short-Term Housing
    It's common for homebuyers to need a short-term place to stay when they purchase a home. Whether you are moving into the area, waiting for renovations, searching for a short-term lease until the seller is ready to move, your real estate agent can help you find a place to hang your hat until the house is ready.

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December
30

Buy a Home in 2020 - Ayre/Rhinehart REALTORS

Buying a house is one of the best New Year's resolutions you can make, but achieving that goal will take work. Fortunately, there are proven steps any aspiring homeowner can take to simplify the process and achieve their dream home. Our real estate agents are happy to help, with five tips for making your dream of homeownership a reality in 2020.

  • Try a Budget Test Run
    While you're in the early stages of searching through Midland homes for sale, it's helpful to try a test run of the budget that you'll use once you buy a home. Consider your likely monthly mortgage payment, utilities, maintenance, and homeowners insurance. Living in this budget ahead of time will give you a taste of what your finances will be like once you own a home, and can help you get a solid idea of what fits your budget.

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November
11

VA Loan Tips - Buy a House - Ayre/Rhinehart REALTORS

Many people struggle to purchase their dream home because they can't afford to make the 20% down payment. Of course, you can put down less than 20%, but you'll be saddled with private mortgage insurance (PMI), which can make it more challenging to pay off your mortgage. Fortunately for veterans and active military members, they can fulfill their dreams of homeownership through a VA loan. Our REALTORS® break down some of the important things you should know about VA loans and how they work.

What is a VA Loan?

A VA loan is a mortgage loan that is made by private lenders through a program established by the U.S. Department of Veteran Affairs. The program was designed to help veterans, active-duty military personnel, eligible surviving spouses of veterans, and other classes of military personnel to become homeowners at an affordable cost. The VA guarantees a part of the loan, sets eligibility requirements, and dictates the terms of the loan offered. The VA loan does not require down payments, mortgage insurance, or some closing costs.

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October
7

Personalized Offer Letter-Ayre/Rhinehart REALTORS®

There's a lot of truth in the old saying that "Home is where the heart is." As the years pass, memories are made and your heart and home become intertwined. When a seller decides to move, they make the decision to leave a little bit of themselves behind. It's common for sellers of Midland homes for sale to want to sell their home to someone who will take care of the place where so many of their cherished memories were made. When buying a home, a personalized offer letter helps you stand out from other prospective buyers. It gives sellers an opportunity to get to know you better and decide whether you're the right person to hand their keys over to when they lock the door for the last time.

Personalization Counts

Personalized offer letters should be handwritten and sent on visually appealing stationery. This creates a more personal touch than something you type out and sign. Writing your letter in a friendly, heartfelt tone of voice creates a connection between you and the seller. It establishes bridges between your dreams for the future, and the ways the seller used the home. This builds trust and shows the seller that you'll care for the property.

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August
19

Overcoming Homebuying Hurdles - Ayre/Rhinehart REALTORS®

Our REALTORS® bring the dream of homeownership within reach for buyers from all kinds of backgrounds. No matter whether you've never owned a home before, are early in your career or later in life, we will support your goal.

Midland homes for sale are available to meet virtually any need. Even if you have a relatively modest budget or very specific requirements, there is a home here for you. There are several ways virtually anyone can make a home more attainable.

Let's consider the possibilities:

  1. Begin Saving Early
    It's important to realize that a 20% down payment is no longer a requirement to buy a home. Still, the more you are able to save, the easier it will be to finance the rest. Savings begins with a household budget. You'll need one in the run-up to buying and afterward!

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June
25

Final Walk-Through Tips - Ayre/Rhinehart REALTORS®

The final walk-through is a thrilling time, and it's easy to get caught up in the excitement of the moment. It's important to remain focused and thoroughly study the property to ensure that nothing has changed since your last visit. To that end, Our REALTORS® help guide our clients through the property so that there are no surprises when you move in. 

You need to prepare before you can do the final walk-through of the property. You will want to bring a copy of the final contract, a notebook, and the home inspection summary. It is also advisable to bring your phone and your phone charger as you can use these to test the electrical outlets within the property. Once you have everything you need, then you will be ready to look for the following seven items:   

  1. Verify Final Repairs
    Make sure that all items within the inspection summary are complete and that the work was performed in a satisfactory manner. You will want to carefully review any warranties and receipts related to the repairs and ensure that any warranties are transferable to you as the new owner. You will also want to verify that any debris or garbage stemming from the repairs has been removed.

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