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October
19

The Indian Lakes region is a beautiful, scenic place to buy a home. Bellefontaine has top rated schools, amazing community of people and has been growing in popularity for individuals and families looking for affordable homes. Learn some things to do before looking to buy a home in Bellefontaine.

buying a home in Bellefontaine.

Checklist for Buying a Home in Bellefontaine

No matter whether a person is a first-time buyer or experienced owner, a house purchase requires some checks before moving forward. The following is a great start.

 

Strengthen credit scores

Generally speaking, the higher a credit score, the more desirable it appears to potential lenders. Anything below 660 or 680 may result in paying fees or a higher down payment. To get the best rates available, stay above 700 but, ideally, a score at 750 or above will receive the best mortgage rates. Review credit reports prior to applying for a mortgage to assess credit worthiness and make any adjustments.

 

Go low

FHA financing accounts for one-fifth of loans which dictates a payment cannot exceed 31% of monthly income. A safe formula is to stay at or below 28% of gross monthly income. Calculate mortgage payments in the desired price range, along with expenses and bank the difference.

 

Save money

Depending on credit and financing, it generally helps to save enough for a down payment between 3% to 20% of the home's price. To receive an FHA loan, a credit score must be 580 or higher. Saving up now can result in lower, shorter payments and save money in the long run.

 

Build up savings

Loan fees can add up including closing costs. Building savings is something people can do to save up for anticipated costs. Save up anywhere from 3 to 5 months' worth of mortgage payments to demonstrate financial stability. Having money in the bank can demonstrate to the financer equity and are generally considered lower risk for mortgages.

 

Get pre-approved

Serious home buyers must focus on the most important thing which is getting everything in order. Prior to shopping, look at financing and get that in place. The preapproval process is much more extensive than it was a few years ago.

 

Buying the dream house

Bellefontaine is a beautiful area with lots of places to search for the perfect home. Do some research to find the right home that will keep the family happy for years to come. Whether it is a vacation property or permanent home, focus on finding the right home, in the right price range which is affordable and has most of the desired amenities. Step back, be certain the home is the right one and only move forward when it feels right.

 

Speaking with an experienced, qualified real estate agent can help guide a home search. A Choice Properties real estate agent can support individuals in the search for a property in Bellefontaine and surrounding areas.

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