Get tips on budgeting, space considerations, financing and more for first-time homebuyers.
Rosie Romero Special to the Arizona Daily Star Question: I grew up listening to Rosie on the House, and I remember my parents buying their first house. Now I am getting ready to buy mine. What advice do you have for a first-time homebuyer?
People are also reading… Home insurance, which insures the mortgage, needs to be included. This can be predetermined and is typically included in your mortgage payment. Probable energy and utility costs for the home need to be factored in. Electric, gas, water, sewer and trash are necessary basic monthly expenses and vary from location to location. Some research to determine the average expenses in the area you plan to buy will be important.
Growing into the home is a wonderful way to develop the asset. If you are looking to incorporate a business , you will need to verify that the local zoning and HOA will allow it. While you are checking out those facets, inquire about the future plans for the area, such as development. What project is the city contemplating that might affect you, such as roads and zoning changes? Contact the municipalities the house is located in to find out.
Signing on the dotted lineDon’t commit until you are sure. Be sure your eyes are wide open. When it comes time to make that written offer, you must be committed. Second thoughts that might make you back out can be costly. Typically, when you make an offer, you will provide earnest money. You run the risk of losing those dollars should you back out.
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