So, you think it’s the right time in your life to step up to home ownership? Or perhaps you have sons or daughters who are, that might need some guidance. It’s a big step, and having expert advice and a plan are essential. The home buying process can be overwhelming feel free to contact me early on.
Identify your Goals (Do a self-check)
It’s hard to hit a target that you can’t see clearly. How much of your budget do you want to devote each month to a house payment? Many experts recommend no more than 30%. What type of property are you aiming for? A house with a yard? A close in condo? Are there schools, employers, or particular locations you want to be close to? What is your ideal time frame to make this change? Do you have a lease you have
The Texas Hill Country is famously beautiful. With rolling hills, plenty of old trees and tons of history it has become the wedding destination of many Texans. Whether you are planning to have a modern, classic, or rustic wedding there are options to make your big day perfect. With Texas’ temperate year-round climate, plenty of venues and tons of natural beauty you might be thinking about a Texas wedding of your own.
Planning the big day
If you haven’t started to research possible venues then trust me, you have a ton of options. Once you have found a few places that meet your criteria, schedule a visit. You really need to get a feel for each place and ask yourself “Is this the atmosphere that you want?”
Whether you are getting ready to buy your first home or your tenth there are some things that you need to be aware of going into the process. Qualifying for a loan is based on a paper trail showing your credit score and history, income and assets, debts and proof of employment. Let’s look at some of the Cardinal Rules that affect those things.
Do not Change jobs, become self-employed or quit your job. Having current and past employment is imperative to qualifying for a home loan.
Do not buy a car, truck, or van. Part of qualifying for a loan depends on your debt to income ratio. So, taking on a new debt can affect how much you can afford and qualify for. It is also important to not buy other large items on