If you are a first time home buyer then there are a lot of things that you should know about shopping for a home so you know you are doing things the right way. This article will help you along the way by teaching you some things that you may not have known about or realized.
Remember to go through your agent
Your real estate agent is there to do everything for you when it comes to helping you find, check out, make an offer and purchase a home. There are a lot of things that you can do that can accidentally ruin your chances of getting the house you really want if you don't follow proper protocol and this is why it's so important for everything to go through the agent. They have gone through extensive training to learn all the ins and outs of real estate and they will protect you from making mistakes. If you go to talk to the selling agent on your own, you can easily ruin the entire deal. Even if you find a house you like on your own, you should pass on that information to your agent and let them make the calls for you.
Don't use your credit cards or do anything that can lower your score
Once you have your credit ran to pre-qualify for a home loan, you don't want to do anything that can lower your score. This means you shouldn't use your credit cards because it can change your amount of available income which can change the amount you qualify for. It can also lower your score which may be the difference between you qualifying for the loan and not qualifying during the underwriting phase when everything is gone over with a fine tooth comb.
Create a good working relationship with your real estate agent
You want to respect your agent and not call the after-hours unless it is urgent. If you have a question that can wait, then wait until business hours. If you see someone putting a sign up in a yard and you know the house is perfect and you are scarred someone else will put in an offer fast, then you can call your agent and let them know you'd like to move on this fast. Also, let your agent know exactly what you would like, but also all of the areas where you would be willing to be flexible so they know how far to reach when searching for homes for you.