Advice to Help When You're Buying a Home
First time home buyers might feel better to know that they're not the only ones who feel confused about the process of buying a home. Nearly all home buyers feel the same way, even if they've bought a house in the past, because it's easy to forget the home buying steps you took to get there once the event is behind you.
Get Educated

Before you begin, get educated about the home buying customs where you live. Relatives or friends who live in another state might have some good general advice for you, but chances are the process is very different in their area, so avoid the mistake of relying solely on their advice to make important decisions.

So How Do You Get Educated?

Talk to a real estate agent about the typical home buying scenario. This is not a meeting that should lead to an agreement for the agent to represent you.

It's simply a general discussion about the real estate customs in your area. An agent who won't take fifteen minutes to help you understand what to expect when you're buying a home isn't much of an agent, so if the first few calls don't produce someone who will help, keep looking.
If you don't want to talk with a real estate agent, how about a bank loan officer or mortgage broker? They look at home buying from a different perspective, but can usually give you a basic overview of the process.

Questions to Ask

If you decide to work with an agent, will the agent help you compose your offer to purchase a home? If not, who does help?

If the agent uses fill-in-the-blank forms, ask for a blank sample copy to take home and study.

What types of disclosures are sellers in your area required to give to buyers? Can the agent give you a sample copy of typical disclosures?

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