Integrity Key Properties LLC
Abbe Krasner , Integrity Key Properties LLCPhone: (813) 453-1890
Email: [email protected]

What to Do Before Buying a Home

by Abbe Krasner 09/25/2022

Buying a house is a complicated financial and logistical process. The right preparation can make a huge difference in making the process go as smoothly as possible. Here is a list of the most important things to do before buying a home to help you prepare:

Check Your Financials

There are a few financials you should check on before working on finding a house. Your potential mortgage lender will look through every detail of your financial life, so the more you can address beforehand, the better. Things to consider include your credit score, debt-to-income ratio, emergency savings and regular cash flow.

Create a Budget

The simplest way to budget for buying a house is to make a list of your current expenses. First, tally up your personal monthly expenses like credit card payments, loan payments, car payments and any other recurring expenses specific to you. Then, create a list of the expenses related to your new house. This list should include mortgage, property taxes, homeowner’s insurance and mortgage insurance payments. Comparing the two will help you determine how much house you can afford and how much to budget for.

Get Pre-Approval

Shopping for the best mortgage lender before you begin your home search is a great way to stick to your budget and have a smoother buying process. Each lender has different terms, policies and practices, so finding the best fit is crucial. Once you decide on a lender, get a pre-approval letter from them as proof you are financially responsible for affording a mortgage up to a certain amount. This helps secure your place in competitive home sales and will make you a more attractive buyer overall.

Find an Agent

Working with a real estate professional during your home buying process will save you time and frustration. Find an agent or broker you want to work with first and rely on their expertise to find the perfect home. The knowledge and resources available to real estate professionals will make the search and purchase much smoother.

About the Author
Author

Abbe Krasner

Your "Dear Abbe" of Real Estate!

"I believe in going the extra mile and pride myself for exceeding expectations by giving great customer service and love to negotiate for my clients." 

With well over 20 years in the business, Abbe Krasner is a Florida state recognized Licensed Real Estate Broker with Integrity Key Properties LLC.

~ Specialization in Residential, Property Management, Military Relocation & Renovations. ~

Multi-Million Dollar Producer 

Nationally Recognized Masters Club Awards and Golden Eagle Awards 

Consistent Top Producer rates highest on Customer Satisfaction Member of National Association of Realtors, Florida Association of Realtors, Greater Tampa Association of Realtors, HUD Certification, WCR.

In addition, Abbe holds other licenses and memberships such as a Florida Licensed Notary, Performs Wedding Ceremonies in Florida, a US Coast Guard Aux. Certification, and is a Medical and Military Relocation Specialist.