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Message
First Time Home Buyer Books
Posted on 3/13/13 at 8:54 am
Posted on 3/13/13 at 8:54 am
The wife and I will be purchasing our first home in four months. I was wondering if any of the MT gurus could suggest a few good reads to help us navigate the market and get through the process. We have targeted a couple parts of BR, Ascension, and Zachary.
2
Posted on 3/13/13 at 9:23 am to ragacamps
I don't think you need to read a book to buy a house. Look at what the people paid for the house, see what the assessed value is currently, check zillow/trulia, get an inspection (although they are going to miss stuff), and make sure it's in area that you want to live ie school district, proximity, etc.
Posted on 3/13/13 at 9:31 am to FulmersGonnaFixIt
this is what you hire a realtor for....instead of reading mindless books, do your homework (ie ask around for referrals) for damn good realtors. There are 8 bad ones for every 1 good one so make sure you trust them.
Tell them what you are looking for, geography etc etc and then let them work for you. That's what they are paid for (by the seller).
Tell them what you are looking for, geography etc etc and then let them work for you. That's what they are paid for (by the seller).
Posted on 3/13/13 at 9:44 am to FulmersGonnaFixIt
quote:
FulmersGonnaFixIt
Tennessee Fan
Brentwood, TN (Utopia)
So your West of I-65 in Williamson County and North of Concord Road? Scales or Lipscomb?
This post was edited on 3/13/13 at 9:47 am
Posted on 3/13/13 at 9:53 am to ragacamps
If you're not buying for 4 months, the FHA guidelines for PMI will change before then, requiring PMI for the life of the loan. If possible, go USDA Rural Development or Conventional.
Posted on 3/13/13 at 8:50 pm to JonTheTigerFan
We will be using a VA loan
Posted on 3/13/13 at 9:32 pm to ragacamps
Even better. Have you been pre approved? Are you using a bank or a mortgage broker?
Posted on 3/13/13 at 9:51 pm to JonTheTigerFan
quote:
Even better. Have you been pre approved? Are you using a bank or a mortgage broker?
No, not yet, and Im not sure.
Posted on 3/13/13 at 10:05 pm to ragacamps
VA is by far the best loan available. 100% loan and if you have a service related disability you can get out of paying the VA funding fee.
It is a good idea to go ahead of the game and get pre approved. Have the underwriter, not the loan officer, go over your file. If there is something that you need to address, you have a few months to get it in order. Also, if you are pre approved, once you find the home you want to buy, you will be able to close on it much sooner.
Ask any questions you may have on here, I will be happy to help in anyway I can.
It is a good idea to go ahead of the game and get pre approved. Have the underwriter, not the loan officer, go over your file. If there is something that you need to address, you have a few months to get it in order. Also, if you are pre approved, once you find the home you want to buy, you will be able to close on it much sooner.
Ask any questions you may have on here, I will be happy to help in anyway I can.
Posted on 3/14/13 at 1:27 pm to ItNeverRains
quote:
So your West of I-65 in Williamson County and North of Concord Road? Scales or Lipscomb?
In a beautiful hamlet across the street from Ravenwood High School.
Posted on 3/15/13 at 7:28 am to FulmersGonnaFixIt
Clark Howard has a book about home buying. That should be all you need.
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