09/02/2025
🏡 Things You Need to Know Before Buying a House
Check Your Credit Score – A good score helps you qualify for better loan programs and lower interest rates.
Get Pre-Approved for a Mortgage – This shows sellers you’re a serious buyer and tells you how much house you can afford.
Save for Down Payment & Closing Costs – Be prepared with at least 3%–5% for the down payment (sometimes less with special programs) plus closing expenses.
Understand Loan Options – Learn about FHA, VA, USDA, Conventional, and special programs like Hometown Heroes.
Know Your Budget – Don’t just think about the monthly payment; include taxes, insurance, HOA fees, and maintenance.
Research the Neighborhood – Schools, safety, shopping, commute, and community amenities matter for your lifestyle and future resale value.
Hire a Professional Realtor® –Paula Garcia Mato realty , you through negotiations, contracts, inspections, and protects your best interests.
Schedule a Home Inspection – Always check the condition of the property to avoid costly surprises.
Don’t Make Big Purchases Before Closing – Avoid new loans, cars, or credit cards that can hurt your approval.
Think Long-Term – Buy not only for today, but for your future needs and potential investment growth. call 786-970-4847
