Buy Your First Home

Even If You Don't Know Where to Start!

Don't be daunted by the leap into unknown waters! 第一次买房似乎是一个势不可挡的过程, especially when you have no idea where to start, but that's why we're here for you. Learn more about the process of obtaining a mortgage, finding the perfect home, and making an offer, 然后你就可以在宝藏海岸拥有自己的家了!


Understanding Your Mortgage

First and foremost, let's talk about mortgages. Most buyers need one, 在不同的贷款方和买家之间有很多不同的选择. 这意味着,了解你在寻找什么,并与许多不同的贷款人交谈,以确保你得到可能的最好的交易是很重要的.

Types of Mortgages

大多数购房者使用的抵押贷款有四种基本类型.

Conventional Mortgage:

这是一个标准的贷款使用的买家良好到优秀的信用谁首付至少10%. However, 还有一些项目根据买家的信用和地点提供较低首付的选择.

FHA Mortgage:

这些贷款通常适用于信用评分较低的买家,因为他们提供的首付低至3分.5% and lower interest rates. However, FHA mortgages do also require mortgage insurance premiums, which can result in higher overall costs.

VA Mortgage:

所有退伍军人和现役军人都有资格获得VA贷款. 它们提供高达100%的融资,简化了贷款审批,并降低了利率. They can be much lower than conventional loans.

USDA Mortgage:
这些贷款适用于农村或低密度地区的买家,提供高达100%的融资和低于市场利率. 他们的理想买家是中等收入、信用评分较低、购买中等住房的人. Additionally, 因为政府对“乡村”这个词的定义很宽泛,“财宝海岸周围较小社区的一些买家将有资格获得这笔贷款.

What Do Mortgages Include?

抵押贷款支付有四个主要部分,通常缩写为“PITI”."

Principal:

这是你从贷方借的初始金额的偿还(换句话说), the price of your home).

Interest:

这是向贷款人支付的借款(然后加到你房屋的初始价格中).

Taxes:

你每年对你的财产所征收的市和县税收除以你一年所支付的抵押贷款的数量,然后加到你的抵押贷款中.

Insurance:

你的每月房主的保险支付涵盖了你的各种危险,并添加到你的按揭付款.

Going Loan Shopping and Understanding Your Options

在你决定任何特定的贷款或贷款方之前,做一些调查是很重要的. 这意味着你至少要与两家不同的贷款机构会面,以确保你能获得尽可能好的利率. 了解抵押贷款机构提供的两种不同类型的利率也很重要.

Fixed-Rate Mortgage:

The interest on an FRM will not change, so your monthly payments won't change, making them very predictable.

Adjustable-Rate Mortgage:

The interest rate on an ARM will often be lower initially, but as interest rates do fluctuate with the market, 它们可能有些不可预测,甚至导致更高的支付.


Calculating Your Monthly Budget

Now that you know what loan options are available to you, what you can expect to pay as a down payment, and what your likely interest rates will be, 是时候决定你每个月能付多少钱了, 然后用什么来计算你的房子的价格范围.

记住,你的抵押贷款成本将基于房屋价格和当前利率. 根据当前的利率,房屋的可承受性每天都在变化.


Finding a Real Estate Agent in Treasure Coast

Your agent should be someone you know you can trust, an expert in real estate in your area and neighborhood, 和你这样的买家打交道也很在行.


Shopping Homes for Sale in Treasure Coast

Now it's time for the fun part! You get to start shopping! 在这里你可以决定你想要什么样的家庭,需要什么样的家庭, 从房子或联排别墅的类型,到社区的位置,再到所有令人兴奋的室内外设施,你都必须拥有! 确保你对你访问过的家庭有详细的记录, noting things you liked, didn't like, pros and cons, etc. Taking pictures can also help keep your memory fresh.

Tip: Before you start touring homes, 确定你喜欢的社区房屋的实际售价,而不仅仅是它们的挂牌价格,以更好地了解该地区的实际购买力.


Making an Offer

You found the perfect house, 现在是时候让你和你的经纪人坐下来讨论你的报价了. 重要的是要共同确定一个你可以轻松承担的价格,但也要让卖家接受一个现实的报价,而且不会因为卖家可能收到的任何竞争性报价而被拒绝.

What Will I Pay Upfront?

Earnest money:

Think of this as your security deposit. 当你提交报价向卖方表明你是认真的时,它就会被支付. 当您的报价被接受时,它将用于您的首付或关闭成本.

Down Payment:

This is determined by your loan, 或者你所要求的任何政府项目或援助.

Closing Costs:

这些费用对买家来说通常很低,代表着与文书工作和贷款费用相关的费用.

Requesting a Home Inspection

如果卖家接受了你的报价,是时候进行房屋检查了. Before you close, 你会希望有一个经验丰富的专业人员巡视房子,以确保没有任何挥之不去的问题或维修问题,可能没有第一眼看出来. 你不希望在刚搬进来的时候就遇到严重的维修或结构问题. 如果有必要,您可以要求卖方修理您发现的任何问题.


Closing

If everything looks good, it's time to sign the paperwork, make final negotiations and payments, and get your keys!

Review Your Contract

Before you sign any paperwork, 与你的代理人或律师仔细阅读合同以确保有意外发生,这是很重要的, if something falls through with your mortgage, you aren't still obligated to buy the home.

Finalize Your Mortgage

与您选择的贷款人合作提交您的抵押贷款申请, have your home appraised, and review predicted closing costs. There are many costs commonly associated with closing, including attorney fees, title insurance, appraisal fees, home inspection fees, courier fees, government recording fees, and taxes.

Pay, Close, and Get Keys!

It's time to close! Meet with your agent, lender, and the seller to finalize the paperwork, sign your contracts, and pay your down payment and closing costs. Finally - the keys to your new home!


对于在宝藏海岸买第一套房子仍有疑问?

We bet you do! Buying your first home is no simple process, 尽管正规的赌博软件已经尽力提供尽可能多的重要细节, there's still much to ask and learn. So don't wait - contact us today and ask away! Want to do some more reading? We have plenty of resources to help you out. Learn more about buying a home today!

Treasure Coast Home Buying Resources


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