{"id":5233,"date":"2016-05-02T12:36:56","date_gmt":"2016-05-02T12:36:56","guid":{"rendered":"https:\/\/www.movoto.com\/foundation\/?p=5233"},"modified":"2016-05-02T12:36:56","modified_gmt":"2016-05-02T12:36:56","slug":"how-to-buy-your-first-home-stress-free","status":"publish","type":"post","link":"https:\/\/www.movoto.com\/blog\/how-to-buy-your-first-home-stress-free\/","title":{"rendered":"How to Buy Your First Home Stress Free"},"content":{"rendered":"<p>Home ownership\u00a0not only\u00a0comes with certain tax advantages;\u00a0it is a\u00a0great way\u00a0to start\u00a0building a foundation of future wealth. If only figuring out \u00a0<a href=\"https:\/\/www.movoto.com\/foundation\/tips\/house-hunting-first-time-homebuyers\/\">how to buy your first home<\/a>\u00a0weren&#8217;t so daunting!\u00a0All those\u00a0steps and paperwork, not to mention decisions about where you want to live and competition with other buyers in low inventory markets.<\/p>\n<p>Buying your first home doesn&#8217;t need to be anxiety-provoking, though. You can make the process virtually stress free if you follow just a few simple steps to prepare and educate yourself even before you pick\u00a0the real estate agent who will help you find the perfect home.<\/p>\n<h2>What&#8217;s the first thing you should do?<\/h2>\n<p><img decoding=\"async\" style=\"width: 600px;\" title=\"how to buy your first home\" src=\"https:\/\/s3.amazonaws.com\/movoto-foundation\/Foundation+Articles\/2016\/01\/how-to-buy-your-first-home-stress-free\/how-to-buy-your-first-home-stress-free-1.jpg\" alt=\"how to buy your first home\" \/><\/p>\n<p>At least six months before you go to\u00a0obtain a preapproval letter &#8212; even more if you have filed for bankruptcy or had a significant hit to\u00a0your credit rating &#8212;\u00a0you should begin to get your financial situation in order. Why? Lenders will carefully scrutinize your records to see if you are a safe risk, and prospective buyers can be denied loans or forced to pay higher interest rates if they don&#8217;t have the following:<\/p>\n<ul>\n<li><b>Proof of income and employment verification<\/b>. Lenders require you to have W-2\u00a0statements\u00a0going back two years. You will also need to provide at least two years worth of tax documents. Employees who\u00a0work for a company will\u00a0need to provide <a href=\"http:\/\/esampleletters.com\/loan\/sample-employment-verification-letter-for-home-loan\/\">a letter of employment verification<\/a>. If, on the other hand, you are self-employed, you should\u00a0get ready to provide documentation in the form of invoices and\u00a0tax records. Establishing a regular pattern of income\u00a0up to two years before applying for preapproval is the best way for an independent contractor to\u00a0ensure eligibility without\u00a0significant assets.<\/li>\n<li><b>Proof of assets<\/b>. This may include bank\u00a0and investment account statements or a letter from someone who is willing to make you a personal loan. Banks want to know that\u00a0you are able to afford the necessary down payment before they will agree to lend you money.<\/li>\n<li><b>Excellent credit.<\/b> If you want to get the lowest interest rate possible, your credit score must\u00a0be 740 or above. In order to qualify for the 3.5 percent down\u00a0payment on a <a href=\"http:\/\/www.fha.com\/fha_credit_requirements\">Federal Housing Administration (FHA) loan<\/a>, you&#8217;ll need a minimum score of 580. Ordering your credit report in advance lets you\u00a0fix any discrepancies before the bank sees the information.\u00a0If your credit score is low, it may be worthwhile to <a href=\"https:\/\/www.movoto.com\/foundation\/tips\/millennials-good-credit-score\/\">build good credit<\/a>\u00a0before seeking loan approval. A lower interest rate can save you thousands of dollars over the term of the loan.<\/li>\n<\/ul>\n<h2>How much money do you need to have for the down payment?<\/h2>\n<p><img decoding=\"async\" style=\"width: 600px;\" title=\"how to buy your first home\" src=\"https:\/\/s3.amazonaws.com\/movoto-foundation\/Foundation+Articles\/2016\/01\/how-to-buy-your-first-home-stress-free\/how-to-buy-your-first-home-stress-free-2.jpg\" alt=\"how to buy your first home\" \/><\/p>\n<p>The standard down payment on a conventional 30 year mortgage loan is 5-20 percent of the purchase price (not the list price) of the home. Twenty percent down is\u00a0the loan-to-value ratio that\u00a0lenders consider a safe bet; if you own 20 percent of the home, that is, your chance of defaulting on the loan constitutes what the industry feels is\u00a0an acceptable risk.<\/p>\n<p>You can borrow with less than 20 percent down. However, you&#8217;ll have to purchase\u00a0private mortgage insurance (PMI) to cover the difference between your down payment and that\u00a020 percent mark. This amount will convey\u00a0a higher interest rate than the primary mortgage loan.<\/p>\n<p>Government sponsored loans, such as Federal Housing Administration (FHA) and Veteran Affair (VA) loans, allow you to purchase a home with little or no money down. FHA loans allow qualified buyers to purchase a home with only 3.5 percent down;\u00a0<a href=\"http:\/\/www.benefits.va.gov\/homeloans\/purchaseco_eligibility.asp\">eligible veterans and their spouses<\/a>\u00a0may be able to buy their first home with zero percent down.<\/p>\n<h2>Why do you need to find out more about your target neighborhood?<\/h2>\n<p><img decoding=\"async\" style=\"width: 600px;\" title=\"how to buy your first home\" src=\"https:\/\/s3.amazonaws.com\/movoto-foundation\/Foundation+Articles\/2016\/01\/how-to-buy-your-first-home-stress-free\/how-to-buy-your-first-home-stress-free-3.jpg\" alt=\"how to buy your first home\" \/><\/p>\n<p>While you are waiting to build good credit and saving\u00a0for your down payment, it&#8217;s also a good idea to familiarize yourself with the local real estate market. Studying market trends, looking at neighborhoods, investigating school districts, and looking up\u00a0walkability\u00a0scores are all important steps you can take to become educated about the market before you narrow down a list of houses to look at.<\/p>\n<p>The reason for this step\u00a0is first time homeowners tend to get so\u00a0emotionally invested in individual\u00a0properties that the process of looking for a home becomes unnecessarily\u00a0stressful. In other words, you pin all your hopes on that one special\u00a0house and are crushed when you lose a bidding war or can&#8217;t get the list price low enough to make the place affordable.<\/p>\n<p>Getting to know what is on the market and some of the factors that affect pricing in advance can help you to be more flexible about options and help you to figure out what is negotiable &#8212; Do you really need a fourth bedroom? &#8212; and what is set in stone. If you&#8217;ve decided that living in an excellent school district is a must, then you know in advance that you may have to compromise in other areas.<\/p>\n<p>Doing your own research is no substitute for working with <a href=\"https:\/\/www.movoto.com\/agents\/meet-an-agent\/\">a professional real estate agent<\/a>, whose experience, negotiating skills, and access to top-of-the-line data is invaluable, but it\u00a0can definitely help to take the stress out of looking for your first home.<\/p>\n<h2>Highlights<\/h2>\n<p>&#8220;At least six months before you have your real estate agent obtain a preapproval letter&#8212;more if you have filed for bankruptcy or had a significant hit to\u00a0your credit rating&#8212;you should begin to get your financial situation in order.&#8221;<\/p>\n<p>&#8220;Studying market trends, looking at neighborhoods, investigating school districts, and looking up\u00a0walkability\u00a0scores are all important steps you can take to become educated about the market before you narrow down a list of houses to look at.&#8221;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Home ownership\u00a0not only\u00a0comes with certain tax advantages;\u00a0it is a\u00a0great way\u00a0to start\u00a0building a foundation of future wealth. If only figuring out \u00a0how to buy your first home\u00a0weren&#8217;t so daunting!\u00a0All those\u00a0steps and paperwork, not to mention decisions about where you want to live and competition with other buyers in low inventory markets. Buying your first home doesn&#8217;t need to be anxiety-provoking, though. You can make the process virtually stress free if you follow just a few simple steps to prepare and educate yourself even before you pick\u00a0the real estate agent who will help you find the perfect home. What&#8217;s the first thing [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":5237,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[],"class_list":["post-5233","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-first-home","post--single"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Buy Your First Home Stress Free<\/title>\n<meta name=\"description\" content=\"How to buy your first home without stress is easy if you get your financial situation in order and research local market trends.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.movoto.com\/blog\/how-to-buy-your-first-home-stress-free\/\" \/>\n<meta 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