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 Eastern Panhandle WV Real Estate Blog 
Wednesday, 16 July 2014

As of late, the Millennial generation has been a hot topic in the real estate industry. Many homeowners are looking to cater to their interests when selling their homes and they've been pegged as the largest category of individuals that will be buying real estate in the next five years. But according to a new report, it seems their buying will come in the later years of that time frame. 

"It's principally the economic factors: jobs and student debt," said the chief economist at the National Association of Realtors, citing the difficulty of saving for a down payment while paying down student loans. 

For many, not just Millennials, buying a home in Jefferson County or Berkeley County is a process— one that requires much preparation, paperwork and strong finances. If you too are saving up to buy Eastern Panhandle real estate, consider the following:

Mind Your Credit Score
Your credit score will be studied by lenders when you apply for a mortgage, so take the time to clean up your score. Consult your credit report and correct all errors before you take your finances to a lender as your first step in purchasing a home on the Eastern Panhandle. Remember, the higher your score, the lower your down payment and monthly fees.

Know Your Budget
Find a home in Harpers Ferry, Charles Town, Ranson, Shepherdstown, Martinsburg, Inwood, Falling Waters or Hedgesville that is financially comfortable for you. As a potential homebuyer, knowing your budget will make your search for properties that much easier. Before you even begin house hunting, it's important to use a mortgage calculator to determine the payment you may be taking on when you purchase a home.

Save for a Down Payment
Even for Millennials, saving for a down payment is a crucial step in the Eastern Panhandle homebuying process. There is never a bad time to begin putting money away for your next home— afterall, the larger the down payment, the smaller your monthly mortgage payment will be. "Depending on your credit and financing, you'll typically need to save enough money to put anywhere from 3.5 percent to 20 percent down," reported Bankrate.

No matter what stage of preparation you're in, the Kable Team is here to help! We're happy to answer all of your homebuying questions and help you start off your journey to homeownership on the right foot. Contact us today!

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Posted by: Tracy Kable AT 08:27 am   |  Permalink   |  Email


KABLE Team Realty

Tracy Kable, Broker
873 E Washington St, Suite 200
Charles Town, WV 25414-1520
Phone: (304) 725-1918
Email: TheKableTeam@TheKableTeam.com

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