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Lucky 7: ForeclosedHomes.com Offers Timely Tips on Home Buying
Goleta, CA (PRWEB) August 1, 2008 -- ForeclosedHomes.com (http://foreclosedhomes.com/), a consumer-friendly online resource for finding foreclosed homes (http://www.foreclosedhomes.com/for-sale-by-owner/) and foreclosure information on the web, is familiar with the difficulties of buying a home. But now that the real estate bubble has burst, there's no better time to make this important investment: A home isn't just a place to live, it's a financial asset and a plan for the future.
To help potential homeowners get the most out of the investment, ForeclosedHomes.com (http://www.foreclosedhomes.com/foreclosures/) has put together a set of home-buying guidelines.
The first step is to determine whether or not now is the right time to buy. A few general rules to consider:
-- Steady employment. It's essential to have a reliable source of income.
-- A solid credit score. A bad credit score will increase mortgage interest rates. Potential homeowners should clean up their credit report and ensure that long-term debts are paid before considering homeownership. And when selecting a house, a potential buyer should determine the qualities that best suit his or her situation.
-- An affordable price. The total cost of a home should generally be less than 2.5 years' pay. Ensure that the down payment and monthly mortgage payments are manageable.
-- Location, location, location. Where a home is located can change its value dramatically. Being in a district with good schools, for example, is important -- both for raising the family and for resale value. Also consider what's going on in the community. Are peace and quiet high priorities, for example? Then perhaps a rural or suburban environment would work best. By contrast, if a desire for high culture and a fast lifestyle is a factor, then an urban setting might be preferred.
-- Size matters. Is the home big enough, and will it allow for future growth?
Finally, when buying the house ?
-- Get some help from the pros. Using a real estate agent and a home inspector is important in selecting a good home and making an appropriate bid.
-- Make the right mortgage move. When selecting a mortgage, determine whether it's better to pay additional points: One portion of the interest paid at closing may lead to greater savings down the road. If the plan is to stay around for a while (i.e., more than five years), experts say it's usually better to take the points.
Follow these tips and make your home-owning dream a reality. Buying a home is truly a life milestone, and it can be a big step towards financial security. Finding a good house in a nice neighborhood could be the key to making a home investment pay off, reminds ForeclosedHomes.com (http://www.foreclosedhomes.com/mortgages-and-home-loans/).
About ForeclosedHomes.com
ForeclosedHomes.com is a consumer-friendly online resource for finding foreclosed homes and foreclosure information on the web. ForeclosedHomes.com provides consumers over 1,000,000 foreclosure and pre-foreclosure property listings updated daily, making it easier for consumers to get accurate information on pricing, quality and availability of hard-to-find real estate. Plus ForeclosedHomes.com has valuable tools, information and resources so that consumers can make the best, most informed decision on their home purchase - at a price that makes sense for them. A trusted resource for foreclosure information, ForeclosedHomes.com uses leading-edge, proprietary search technology with top quality customer service practices to enable home buyers and sellers to find, evaluate and purchase properties at below market costs. For more information, please visit us at http://www.foreclosedhomes.com
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