Best lender with the lowest rates in Texas is Kasey Hampton with DHI Mortgage - http://www.DHIMortgage.com/Kasey-Hampton - do the online pre-qual. It's quick, easy, and it's free. You will thank me later :)
About 90 days before your lease is up... it's time to start looking at some homes... I can send you a very detailed list of everything out there in your price range that fits exactly what you are looking for..
You can start getting an idea for which areas you like, and what you can get in your price range.
Start looking at homes on the inside about 30 to 60 days away from your lease being up. Most sellers want you to close within 30 to 45 days max from the time you contract on the home... so if your loan is in pre-approval prior to looking at homes... this should be easy as pie!
Jason C Campbell
Platinum Top 50 Finalist
Option One Real Estate
As far as a timeline for looking, I would start looking in May for areas you would be interested in living. Then in June, I would contact me to send you some homes for you to review. I can then schedule showings for those homes so you can see them in person inside and out.
Yes, I did offer my professional services to you in the preceding paragraph. There are a lot of great realtors in S.A., but I believe that I can also do a great job of representing you. Please view my Profile on Trulia.
Good luck to you and I look forward to hearing from you.
Depending on your work schedule and your availability to view homes, it should take 5-14 days to find just the right home to fit your needs and lifestyle.
So adding that up you should start 8 to 10 weeks prior to your lease ending.
However, the best thing to do is to get 'pre-qualified' now so you can determine your monthly budget for a house payment and learn if there is anything needed to do to improve your buying power. The rule of thought is that you make your money on the purchase of your home since you cannot determine the market at the point you choose to sell your home.
I can gladly offer you information to teach you about the entire process. Simply send me an email and I shall forward it to you.
I am here to help you along the path.
I recommend June. This will make sure you have enough time to shop for the perfect home. And it will give you time to close before you need to move. But, I recommend getting pre-approved as soon as possible. You'll want to make sure there is nothing you have to work on between now and then. The mortgage lending industry is ever-changing. Having an experienced lender in your corner will minimuze any mortgage qualifying surprises. I can help you with that. I can also put you in touch with an excellent real estate agent. Hope to hear from you soon.
Vino Alonzo, Loan Officer
Castle & Cooke Mortgage
Royce Simmonds, Broker-Owner http://www.roycerealestate.com
Simmonds Real Estate Inc. Schertz
210-269-8086 Direct Line
36 Years Air Force Service - 15 Enlisted/21 Officer
Getting started for your home search is so exciting! Right now, it will be helpful to know which areas/location you want to target, if schools are important and make sure you are pre-qualified with a great loan officer. I can recommend one for you if you need!
Remember that once you find a house, it will take a good 30-45 days to close. So, you are going to want to probably start getting your feet wet and looking at houses around May/April. I'd be happy to have you visit my office and go over a buyer's consultation with you to go over the process with you more thoroughly :)
I look forward to hearing from you soon and getting you ready to find your next home!
Pamela Rothe, REALTOR, CNE
Keller Williams City- View