The summer is a busy time for the real estate market— the weather is ideal for getting out and looking for homes in West Virginia's Eastern Panhandle, mortgage rates are still low, and with inventory lacking, you may be feeling the urge to make a move on your dream house! Kable Team Realty is here to walk you through the process every step of the way this year and remember, while the idea of settling into the perfect house in Jefferson County or Berkeley County WV may thrill you, there are also a host of things you should avoid as you take those next steps.
Below are three things homebuyers in Martinsburg, Harpers Ferry, Inwood, Falling Waters, Hedgesville, Ranson, Shepherdstown and Charles Town should never do:
Don't: Shop for Homes without an Agent
It may seem like a simple task to shop for Eastern Panhandle homes on your own, but when it comes to closing the deal, you want a professional on your side. Someone who works with your best interests in mind—from finding the right home to putting together an offer that will win you the property to negotiating credits and repairs at the closing table—is invaluable for buyers, especially during this busy time in the real estate market.
Don't: Ignore Your Budget
It may be tempting to tour a West Virginia home that is beyond your price range, but it will only harm you in the end. The last thing you want is to get attached to a property in Martinsburg, Harpers Ferry, Inwood, Falling Waters, Hedgesville, Ranson, Shepherdstown or Charles Town and then learn that you cannot secure a loan for that amount. Sit down and write out your budget, including costs like maintenance, property taxes and insurance, and then set search parameters for properties that meet what you are able to reasonably pay each month. It is also helpful to use a mortgage calculator when figuring your potential monthly payment.
Don't: Take the First Mortgage Quote You Receive
Homebuyers leave so much money on the table by settling for the first mortgage quote they receive from a lender. It is important to shop around for mortgages before you decide on which suits you best. After all, not all mortgages are the same— you may find that a 5 year ARM (adjustable rate mortgage) is a better fit for you given your timeline and down payment situation.
Ready to purchase a home in West Virginia's Eastern Panhandle this year? Give Kable Team Realty a call today!
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