ST. GEORGE – Summer time is almost here and with the local Real Estate market heating up there are more people than ever before who will be searching for St. George Homes for Sale.
Thankfully, you can give yourself the advantage, and be a smart home buyer by following these simple tips.
1 – PULL YOUR CREDIT REPORTS
Your ability to get a great mortgage loan will depend on your credit score, and to insure that you have a credit score which is at least 700 or higher, you should pull your credit report now.
Pulling your credit report before you apply for a mortgage loan will enable you to see if there is any inaccurate information being reported about you by Equifax, Experian or Trans Union, and give you the opportunity to fix those inaccurate items before applying for a mortgage loan.
Tip – You can get your 3-in-1 credit report online and save the hassle of having to pull each credit report individually.
2 – Speak With More Than One Lender
You’ve worked hard to build good credit, and save money for a down payment, now the next step is for you to get a mortgage loan.
Before going with just one mortgage lender, take the time to speak with multiple lenders and get more than one quote since you want to have confidence that you’re getting the best mortgage loan which you have been pre-approved for.
3 – Determine Where You Want To Buy
One you’ve been pre-approved for a mortgage loan it’s best to start thinking about where you want to search for St. George Homes for Sale.
Besides determining where you want to live in St. George Utah it’s also important to decide on the specific features you are searching for in a home including: bedrooms, bathrooms, square feet, lot size and amenities.
Having your home search criteria ready before you hire a St. George Realtor will only make their job easier and enable them to find the perfect home which is right for you.
4 – Hire A St. George Realtor
After you’ve been pre-approved for a mortgage loan the next step is for you to hire a St. George Real Estate agent who will help you to find the exact home you are searching for.
Hiring a Real Estate Agent is a smart move since a Realtor ® will save you the time, money and hassle of searching for a home yourself and they will also be an advocate who will represent your best interests during your home search.
5 – Keep an Open Mind during Your St. George Home Search
Let’s say that your St. George Real Estate agent has found the perfect home for you but, it needs some renovation or repairs.
You should keep an open mind during your home search because, even though a home might not be exactly what you’re searching for in the beginning, it could become your dream home after a little renovation.
6 – Hire a Real Estate Attorney
Yes, your mortgage company may provide you with a lawyer but, you should hire your own Real Estate Attorney to insure that you receive proper help and support with drafting documents plus making sure that you’re best interests are represented from start to finish during your Real Estate transaction.
7 – Submit a Letter with Your Offer
So you’ve been searching for St. George Homes for Sale and have found your dream house but you’re facing several other bidders who may submit higher offers than yours.
What’s the solution to the problem? Submit a letter to the homeowner with your offer.
Following this tip will show the homeowner that you’re a real person and are someone who will love living in their home just as much as they’ve enjoyed living there.
8 – Have an Inspection Contingency
Before saying yes to buying a St. George home, make sure you have an inspection contingency which gives you at least 5 days to have the home inspected.
Having the home inspected will provide you with invaluable information about the home you want to purchase and insure that you’re not buying a home which needs major work like a new roof which you were unaware about.
9 – Get Homeowners Insurance
Last of all, but most important, make sure you buy homeowners insurance and also understand the difference between insuring just the home (structure) vs. the contents.
SEARCH FOR ST. GEORGE HOMES FOR SALE
To search for St. George Homes for Sale click here or call me today at (435) 862-3303.
I specialize in helping buyers and sellers with St. George Homes for sale and I can also help you buy or sell in Coral Canyon, Dixie Springs, Entrada or any other Southern Utah community.