Articles Tagged "Down payment"

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August
29

Buying Rather Than Building - Haring Realty

To build or buy? That's one of the first questions every homebuyer asks themselves before making a decision. Both choices offer plenty of benefits and plenty of challenges. Our REALTORS® know it's a difficult choice, but we also know that in most cases, buying a home is the better choice that offers far more advantages than drawbacks. As you consider your options, there are five key advantages every homebuyer should consider.

  1. Existing Homes Are Move-In Ready
    The vast majority of existing homes are sold in move-in-ready condition. In most cases, the work that needs to be done is more of a "want" than a "need." For instance, you may want to repaint a room or change the flooring, but you don't need to do it immediately. This gives you time to thoroughly consider your options, find a contractor to perform the work, etc.

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July
25

Down Payment Amounts - Buy a Home - Haring Realty

When looking for Mansfield or Ashland homes for sale, many buyers feel intimidated by the idea of the down payment. As in other kinds of loans, the down payment is the cash amount you'll "put down" to secure the transaction and get the financing you need.

Our REALTORS® know this is a potentially confusing issue. Advice about down payments has changed in recent years. Whenever the housing market takes a big swing, it's important to double-check all of your assumptions. A qualified real estate agent is the best person to ask.

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January
31

Financing in 2022 - Homebuyers - Haring Realty

Our REALTORS® have been getting many questions about what to expect from the housing market in the coming year. No matter whether you're interested in Mansfield or Ashland homes for sale, there are plenty of opportunities.

The big question on everyone's mind is how financing will change in 2022.

Over the last year, many places in the country have seen home prices skyrocket. Homeowners have had the chance to attract abundant attention, with many homes receiving competitive bids from multiple buyers at once. As a result, quite a few homes have sold for well over asking price.

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December
13

Buyer Closing Costs - Haring Realty

Buying a home is one of the most significant purchases most people will ever make. And, just like when you go shopping at the store, the sticker price is not the home's total price. This can come as a shock to many first-time home sellers and first-time homebuyers alike, which is why our REALTORS® want you to know everything about closing costs and how they affect the final price you pay for your new dream home.

  • Fees and Commissions
    You will also need to factor in real estate agent fees and commissions. These can be around 6%, but they vary depending on the agent. The seller is the party that typically pays the agent fees and commissions. The seller also pays for title insurance and any pro-rated property taxes on the property. It is also the seller's responsibility to pay any HOA fees, attorney fees, and escrow money owed to the buyer. To help ink the deal, some contracts allow the seller and buyer to split, or have the buyer pay 100 percent of, the owner's title fees on cash deals.

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January
7

Mansfield Home Buying Budget
Do you dream of buying one of our local Mansfield homes for sale, but think there's no viable way to afford it? Think again! 2019 can be your year to purchase a house! Gathering the right information, taking advantage of multiple resources and making friends with your budget are the critical ingredients for taking that life-changing step. With a bit of planning and effort before you begin searching, buying a home may not be easier than you ever imagined.

  1. Understand What You Can Afford
    Now is the time to create a home buying budget, and in doing so, you'll know what you can afford in relation to where you want to purchase. In addition to the actual mortgage payment, you'll need to plan for the down payment, closing costs, taxes and insurance, and the likelihood of higher energy and maintenance expenses. That being said, in many cities, monthly rental rates are at or above what you will pay for a mortgage payment. One of the best ways to determine your home buying budget is to talk to a lender and get pre-approved for a mortgage. Knowing what you can afford will allow you to build your budget around what you're expecting to spend on your home.

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