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Tips for First Time Home Buyers in Westchester

4/11/2016

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​The Spring Market is very busy in Westchester.  Low mortgage rates and low inventory for starter homes makes for a very aggressive playing field.  Check out these helpful tips!
Get Your Financing In Place
​In order to submit a bid on a home you need to show proof of funds.  If you don’t intend to use a mortgage you still need to show that you have money in your financial account to pay for the home.
 
If you need a mortgage, you must be Pre-approved to submit a bid for a home.  This is different from Pre-qualified.  Pre-approval takes some time so plan accordingly if you want to buy.  Shop around for the best rate.
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Before and After
Have an open mind when looking at homes.  Walls can be painted to a color of your choice and outdated wallpaper can be removed.  Updating kitchen appliances and bathroom fixtures can be an easy fix versus gutting an entire room. The Before and After home television shows make renovating look easy, but envision the simple changes for your home.  Remember- you can knock down walls, renovate rooms but you can’t change the location. 
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Home Inspections
A real estate agent is not a licensed home inspector.  Never sign a contract without having the home inspected first to avoid surprises when you take ownership.  A qualified inspector should let you know about the basics such as; electric, longevity of appliances, roof, and water issues.
Be Pro-Active
Westchester is having a busy Spring market.  Homes that are priced in the low end, needing very little work are moving fast.  Highest and Best offers are becoming the norm for these homes.  Don’t sit on the fence if you want to buy- make your offer.
Why Use a Real Estate Agent
Real estate listings are readily accessible on line.   But working with an agent guarantees that as the client, your best interests will be represented.
 
Going to Public Open Houses are a great way to explore the area but remember-   the Listing Agent for the home always has the seller’s best interest in mind first.  Find an agent you feel comfortable with, who is knowledgeable of the area you are seeking, and is committed to finding you the right home in your price range.
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These tips were brought to you by Laura Caligor, a licensed realtor with Houlihan Lawrence- Scarsdale Office.  She serves the Lower Westchester area. 
Email: Lcaligor@Houlihanlawrence.com
Website: www.LauraCaligor.Houlihanlawrence.com
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