Sunday, August 25, 2013

Home buying tips Dave Ramsey

Home Buying Tips Everything you need to know about buying a home.

Choosing a home is one of the most important decisions you will ever make. Follow these steps to make this complicated process go as smooth as possible. Remember, when buying a home, you should always use a professional real estate agent.

Get your finances in order

The first thing you should do is make sure you are financially ready to buy a house. In other words, you need to be debt free with a fully funded emergency fund. Be certain you can afford a new home by asking these questions:
  • Can I make at least a 10% (preferably 20%) down payment?
  • Can I afford a 15-year fixed rate loan?
  • Can I keep the house payments at or below 25% of my monthly take-home pay?
If you answered "yes" to all three questions, then you can afford a house. Otherwise, Dave strongly suggests you wait to buy a home.
You want your new home to be a blessing, not a curse, right? Follow these simple guidelines and you'll keep Murphy and his 3 cousins Broke, Desperate and Stupid from moving in.

Get an honest real estate agent

Let us show you the only real estate agents that Dave recommends in your town.
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