Home Search Made Simple

Buying a house may look complicated, but it doesn't have to be intimidating.

Any home search is an expression of your needs and values. With the right approach, you can make sure you get what you want from the process. And, yes, it can even be fun. Here's how:

• Choose an Area to Focus On
  Before you can start looking for a home, you need a general idea of where you want to be. Most homebuyers begin by drilling down to a single town or city. High-level considerations like the job market, healthcare, transportation, and the state of the community usually drive a choice. It's a good idea to explore an area and spend plenty of time there before you choose.
  
  
• Decide on a Neighborhood
  Some neighborhoods may only span a few blocks, but each neighborhood a community offers will provide a different lifestyle. Walk and drive your possible neighborhoods, visiting them at different times of the day and week. This will give you a better idea of the patterns of life in an area. If possible, talking to local residents is the best way to get insight fast.
  
  
• Prioritize Needs for a Home
  What do you most need from your home? Anyone who will be living in the new home – including the kids, if they're old enough to understand – should compose a list of 4-6 priorities. While it's usually hard to "have it all," you can identify areas of commonality. A home should meet all of your basic needs and have something to get everybody excited!
  
  
• Review Loans and Budgets
  The first step to getting a new home loan is often to set up a budget. This helps you understand how much disposable income you have, which gives you an idea of your financial range when buying a house. With this information in hand, you can compare loan offers from various lenders. Getting prequalified for a loan early can save you time once you identify the home you want.
  
  
• Compare Home Options
  This is where the footwork starts. Many buyers will take a few months before choosing a home they are excited enough to bid on. Your real estate agent is an important ally here: He or she will help you take advantage of market trends and zero in on the best value. Try not to "fall in love" with a home until you've seen the full range of available options!
  
  
• Make an Offer (and Negotiate)
  There are several steps between choosing the home you want and making it to closing. Be ready for twists and turns: For example, a home inspection report could reveal problems at a property that are costly to fix. It's your real estate agent to the rescue: An agent's local insight helps you make informed decisions. Plus, agents have experience in negotiating on your behalf.
  
  
• Close on the Home
  The closing day can be nerve-wracking, but it's also one of the most exciting days when buying a house. It is true that a deal can fall through at the last minute, but this is rare. Unless your final walkthrough uncovers something objectionable, things usually go off without a hitch. Bring a pen and be ready to sign, sign, sign... This process can take a couple of hours. Then the keys are yours!

No matter what your real estate goals are, partnering with a trusted real estate agent is essential. Not only does it make buying a home faster and easier, but it often means you'll save money, too. 

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