Even after you submitted your application, avoid getting new loans and last-minute purchases because these could hurt your DTI ratio and alert your underwriter for possible disqualification. Instead of incurring new debts, try your best to accumulate three to six months’ worth of emergency funds. Your monthly mortgage payment may be cheaper than renting an apartment, but you will solely be in charge of your house’s upkeep and maintenance. #conceptblog
It's all in the mix. 📸: @eleveninteriors #conceptblog
You can do this in one of three ways: - Ask for a discounted purchase price considering the results. - Request that the seller give you credits to cover some of your closing costs. - Ask that the seller have the problems fixed before you close. The seller might accept your request, or they might reject it. If your seller rejects your request, it’s up to you to decide how to proceed. #conceptblog
Silent streets. 📸: @rcgardiner #conceptblog
Walk through the home and make sure the seller hasn’t left any belongings. Check your repair areas if you requested them and keep an eye out for pests. You may also want to double-check your home’s systems one final time to make sure everything is in working order. If everything looks good, it’s time for you to confidently move toward closing. #conceptblog
Perfect space to enjoy the summer sun while staying cool. 📸: @unitedmarble #conceptblog
Warmer days are coming. 📸: @caramooneyphoto #conceptblog
A subtle nod to the outdoors. 📸: @thefreshmakerdesign #conceptblog
Exceeding your homebuying budget can add unnecessary stress to your life for years to come. Keep sight of your long-term goals during the home shopping process. Remember that you want to have money every month to do other things besides pay the mortgage. You don’t want your housing payment to take up all your disposable income. Also, avoid the temptation to make a more competitive purchase offer by waiving inspection, appraisal, or financing contingencies. If anything goes wrong and you have to back out, you’ll lose your earnest money deposit. #conceptblog
The vibrant colors of a spring transitioning to the summer. 📸: @juansurface #conceptblog