5 New Years Resolutions For Homebuyers In 2017

5 New Years Resolutions For Homebuyers In 2017

As we get closer and closer to the end of 2016, many people are brainstorming on their 2017 resolutions! One of the top resolutions for potential homebuyers is to buy a home! Here are some tips to help make buying a home within your reach in 2017.


1. Create a budget - News flash: most people do not have a budget, or if they have one, they do not stick to it. Start the new year off right and make a smart budget for the year. The task of budgeting for the entire year may seem daunting, but can be simplified by breaking it up by the month, or even by the week. Make sure to include in the budget a certain amount that will go into your savings. 


2. Automatically set aside down payment money - If you receive a direct deposit, have a portion go towards a savings account for your downpayment. This will be taken out of your check automatically, so you don't have to think about doing it. Watch how this money grows over time. 


3. Automate your payments for your bills - One of the things that can harm your credit is by having late payments. We are all very busy with the many things we have going on in our lives, so it is easy to forget about paying a bill. Reduce the chances of having a late payment by setting up auto pay. Arrange it around the time when you get paid so you know that there is sufficient funds in your account. 


4. Clean up your credit - The minimum credit score that most lenders require to qualify for a mortgage loan is 620. But don't worry, if your credit is lower there is still hope! Consult your lender who should be able to provide tips on what you need to do to improve your score. Hiring a professional credit repair company is also an option. You can also take a stab at repairing your credit yourself by reviewing your credit report a few times a year, paying down past due payments, making on time future payments, etc. 


5. Plan for the extra expenses - Becoming a homeowner requires more expenses than just the downpayment, closing costs and other expenses that occur during the process of closing on a home. In some cases you have to factor in the cost of getting new furniture, new paint, lawn maintenance tools, etc. Make sure to plan for that and start saving for these things early.


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Source - "3 New Year’s Resolutions for Buyers in 2017" realtormag.realtor.org



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Phone: 972-755-9255
Dated: December 29th 2016
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About Amber: Amber Johnson was born and raised in North Carolina, where she attended Wake Forest University and a...

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