Guide to Buying a Home

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Should you Hire a Buyer's Agent?

Hiring a buyer's agent can save you a lot of time and headaches. A buyer's agent knows how to get you started in the buying process. A buyer's agent also knows what to look for in a home and can help you avoid potential issues during the home buying process.

It's important that your buyer's agent (1) knows the local market, (2) can help evaluate and secure the best financing for your situation, (3) knows how put together and negotiate the many aspects of real estate contracts, and (4) can monitor timelines in the contract. It's also important for your buyer's agent to put you in touch with reputable inspectors, tradesman and an expert closing attorney.

The Most Important, and First Step for Home Buyers

Before you begin the process of buying a home, you will need to know how much home you can afford. Often, this comes down to how much of a home mortgage you can qualify for. The best thing to do is speak with a mortgage broker, bank, credit union, or home lender that specializes in working with home buyers. Ask your real estate agent for lender recommendations!

Get Pre-approved!

Your offer will not be accepted without this! The pre-approval process is pretty simple; home buyers are asked questions about their goals in buying a home, their individual finances including how much debt they have, what their income is, and about their job history. At the end of the interview, you will be provided with an estimate how much you, the home buyer can afford.

Lenders to Avoid

It's important to find out what your lender's average days to close are, and what your closing costs will be. You will likely be in a competitive bid situation with your home offer, and days to close can be an important factor in a seller's decision on which offer to accept. Can your lender move quickly enough for you to be competitive in your purchase offer? Can you afford the closing costs?

Don't just use any online lender you find. Your buyer's agent should have relationships established with good lenders. Using a random online lender can be disasterous and can cause problems and un-needed stress, and in the end could cause you to lose the home you want to buy.

Steps in the Buying Process

Bullet Point Decide on a location
Bullet Point Research north Georgia school districts
Bullet Point Which size & style of home?
Bullet Point Choose a real estate agent
Bullet Point Look at homes online or with your agent
Bullet Point Download your personal home buyers search app!
Bullet Point Schedule a time to view available properties with your REALTOR®
Bullet Point Make the offer
Bullet Point Conduct your inspections
Bullet Point Have the home appraised
Bullet Point Secure your mortgage
Bullet Point Coordinate closing paperwork
Bullet Point Close on your purchase
Bullet Point Move in to your new home!

The Fitzhugh Team

Our team loves helping home buyers purchase their new home, and we'd love to help you with your home purchase! We'll guide you every step of the way from start to finish.
Gabe and Katey Fitzhugh, the Fitzhugh real estate team
Bullet Point Help or advice when deciding on a particular location
Bullet Point Use our home buyer search tools. Each listing will provide you with valuable information about it's particular neighborhood, including school information and school ratings
Bullet Point We can recommend lenders. These lenders specialize in working with home buyers here in Georgia, and they'll get you pre-approved for a mortgage ...a very important step in being prepared to make an offer!
Bullet Point We'll help you search for a home. We will schedule a phone call or an in-person meeting with you and help you find the perfect homes to view.
Bullet Point When you find the home you love, we'll help you negotiate your offer, & provide you with assistance with all your home inspections. We'll help with paperwork, timeline coordination, and of course the closing for your new home!