Choosing your real estate professional is one of the most important decisions you will make when buying real estate in. We believe the more you research various real estate agencies, the more you will see the value of working with the professionals at Valley Realty.
However, no matter whom you choose, these simple tips will help you find and purchase the home of your dreams more quickly and efficiently. If you're a first-time buyer, or interested in learning more about real estate in our area, we offer four free reports with helpful tips and real estate information, in addition to the tips below.
Before you shop:
Be a smart consumer. There are a couple of things you should be knowledgeable of before you decide to purchase a home. Learning these financing basics can help to ensure you are a smart consumer, and that you shop for a home loan that’s perfect for you. Our team understands that the financial process can be overwhelming, and we pave the path towards successful financing. We aim to provide you all of the perfect tools to make you successful in your endeavors. This includes a mortgage calculator, which can be used to determine if your mortgage is within your monthly budget.
Get pre-approved. This task is important and simple to complete. Pre-approval determines the loan programs that you may qualify for and allows you to budget for a property that fits your lifestyle.
Know what you want. The last thing you need is to close a deal and realize you bought a house you don't want. Ask yourself what you're looking for in a home, before you shop. Think about size, commute time and necessary repairs. Make plenty of visits to the local neighborhoods previous to moving in, in order to determine where you and your family fit in. Learn more about our communities and relocation by visiting our Community Links.
Keep your debt load to a minimum. Don't make major purchases or incur any additional debt until after your purchase. Pay down credit cards and don't apply for new ones. Remember, financial institutions and lenders evaluate your financial situation based on your gross monthly income. Your total monthly house costs should not exceed 28% of your gross monthly income.
Be prepared to view new properties quickly. Right now,homes for sale in Northeastern Oregon, especially Union County, often sell quickly, so be ready to make fast decisions. Be accessible to change the terms.
Have instant access to your agent. Instant communication can mean the difference in purchasing the property of your choice. Our team of real estate brokers
Before you buy:
Submit a strong competitive offer.
Include a substantial earnest money deposit. Sometimes offers are accepted based on the amount of the deposit, and often, including a larger deposit can benefit you in the long run. If you have any apprehension about the deposit, contact our office. Our team of brokers
Try to minimize the number of contingencies. Fewer contingencies mean a stronger offer. It’s best to understand what contingencies come up in your new home’s neighborhood, so ask your real estate professional for advice on which risks to keep and which to ditch. Our real estate agents will joyfully assist you in deciding which contingencies are worth keeping.
Hire an inspector. A professional building inspector or appraiser will make sure the house of your choice is in satisfactory condition. This is not only helpful but necessary before you can move further on a home loan.
Check zoning regulations and covenants. Good residential neighborhoods will be zoned to keep out commercial and industrial users. Read any restrictive covenants or ordinances within the city and make sure they fit your lifestyle.
Request an updated property survey. Be sure it clearly marks boundaries. Check for problems. Contact your agent should any arise.
Make sure you know what stays or goes. Your contract should be very specific about which items (appliances, etc) are included in the sale. If you have any questions, our agents are happy to read over your contract is ensure you have full clarity. Contact us today.
Get agreements in writing. Make certain verbal agreements are written into the final contract to avoid any stressful and expensive issues later.
If you have any questions about buying a home in Baker, Union or Wallowa County contact us directly at 541-963-4174, or toll-free at 888-218-4976.
Ready to make steps towards buying the home of your dreams? Start your search today!