60 POINTS HELP NEED IT DONE BEFORE 6:00AM Imagine that your cousin comes to you and tells you that he is going to buy a house. Write three complete sentences giving him advice on how to make a smart home-buying decision

First Time Home Buying, how do you know if you are ready? You generally start thinking about buying your first home when certain achievements have been attained. You are in a position that your income is relatively stable and you feel comfortable committing to a mortgage.

You could see yourself staying in the city or town you find yourself in for at least the next few years. You want to start putting down some roots, investing in where you live and personalizing your living space.

Getting started, there is no point starting to look for a place without having a mortgage pre-approval in hand. Know your financial comfort level, not just what you can be approved for. Have more than just the required down payment on hand. There are closing costs to cover including taxes, legal fees, inspection, adjustments as well as all the little extras you’ll need for your new place.

Assemble a team you can trust, Realtor, Lender, Lawyer, Inspector. Ask friends and family for recommendations or interview candidates to be sure you are a good fit. Often one professional can refer to a group of trusted advisers. This can really help simplify the process and get you off to a good start.

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