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Joseph Zajkowski's Blog

By Joseph Zajkowski | Agent in Holiday, FL

3 Things Home Buyers Must Do BEFORE Buying a First Home

3 Things Home Buyers Must Do BEFORE Buying a First Home in Tarpon Springs Florida, by “Joe Ski” Joe Zajkowski , Florida Central Gulf Coast Real Estate Expert

Buying a home in Tarpon Springs Florida, for the first time can be very exciting. It can be very tempting to want to jump right into looking at homes, dreaming about your future and making offers. However, it's important that you cover your bases before you jump into the pool, so to speak. When you're buying your first Tarpon Springs Florida, home, there are several steps you should take before making an offer.

Step One - Improve Your Credit Rating

If you're thinking about buying a house in Tarpon Springs Florida, now is the time to start working on your credit. There's very little you can do a few weeks before closing. However, if you get started six months before you make an offer, you can very likely improve your credit and reduce your interest rate when it comes time to qualify for a loan.

Step Two - Find a Good Real Estate Agent

Working with a real estate agent generally doesn't cost you anything, because the seller pays all the commissions.

Working with a real estate agent in Tarpon Springs Florida, gives you a huge advantage. You get access to years of real estate knowledge and experience. You have a trained negotiator to negotiate on your behalf. You have someone with a wide variety of contacts, from lenders to property inspectors you can call on. You will also have someone that will put together a contract that will be in YOUR best interest.

Step Three - Get Pre-Approval for a Loan

Not only should you get a pre-approval, but you should also do your homework on how much of a home in Tarpon Springs Florida you can really afford. Although you might get approved for a loan that's more than your means really are, that doesn't mean you should do it.

It's important to figure out how much you can really afford and work from there. Once you have a pre-approval letter, sellers are much more likely to consider your offer seriously. In this market, most sellers will not even accept an offer without a pre-approval letter.

A buyer who's worked on his credit, is working with a great agent and has a pre-approval letter has a far better start on buying a house than a buyer who doesn't. Follow these three steps and you're well on your way to purchasing a great new home in Tarpon Springs Florida !

There is a lot of free information available to you about buying, selling or investing in Tarpon Springs Florida real estate. For complete information about the Tarpon Springs Florida real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to Florida Central Gulf Coast real estate at http://FloridaRealEstateConnection.com  Please feel free to contact me with any of your real estate or mortgage related questions and I will be more than glad to answer your questions. Call me on my cell at 727-458-2835 or email me at JoeSold@JoeSkiRealtor.com

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