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Texas Lending Home Buying Experts Discuss Home Search Strategies
Finding the right neighborhood is important. Read on as Texas Lending explores ways to pick the perfect community for your next new home.
Q: What sort of things should I look for during my initial search?
Texas Lending: Before you even begin browsing the MLS, take some time to write down what you really want. Is it access to top-notch schools? A community swimming pool? Do you need a large yard or want to live in an HOA neighborhood that provides lawn care? Your “wish list” is going to be as unique as you.
Q: Should I believe everything I read online about the area?
Texas Lending: The Internet is valuable for research, but make sure to use trusted websites. Zillow offers several tools that can help you make a selection, and most area police departments will offer a link to local crime maps and data. Check around for a community blog or neighborhood-oriented social network such as NextDoor.com.
Q: How can I get a feel for the school system before moving?
Texas Lending: Even if you don’t have school-aged children, the school system is important to the community. Homes in “good” school zones will likely have more value than those where education isn’t a priority. If you can, call the schools your future home is zoned for and ask about making a school visit so that you and your children can get acquainted with teachers and staff. You can also find out more information, including test scores and parent reviews, by visiting GreatSchool.org.
Q: All cities will have parks, libraries, and other community amenities, right?
Texas Lending: Usually, yes, but the quality of these varies significantly. Middle-to-high income areas may have access to more programs, better books, and parks with more updated playground equipment, for example. If community features are important, it is worthwhile to check them out before you sign your home contract.
Texas Lending Shares Insight on Holiday Home Buying
Few people really want to move during the holidays, but according to the mortgage experts at Texas Lending, a new home may be the best gift in Santa’s bag for the 2017 season and a great way to start your New Year.
Q: Are mortgage rates projected to rise in 2017?
Texas Lending: There is a good chance that rates will climb starting as soon as the end of the year. That means that people looking for a new home will likely get the best rates now. In addition to low rates, the winter months are a great time to house hunt since there are typically fewer buyers to compete with.
Q: Are sellers less motivated to sell during the winter season?
Texas Lending: Sellers whose homes were listed during the peak season are likely tired and ready to move on. Many must relocate due to jobs, family, and financial situations that make it difficult to remain in their current home. Chances are, a high-priced home that was listed over the summer may be the best deal come winter.
Q: How does the off season affect buyers?
Texas Lending: One of the greatest benefits to buying now is that there is an abundance of real estate and mortgage professional available. During the summer, the best agents may have multiple buyers they represent. In the winter, these same experts usually have more time to devote to their cold-weather clients.
Q: Is it possible that interest rates will stay the same in 2017?
Texas Lending: Rates change from week to week. As the economy strengthens, rates will most likely rise. If you are looking to buy a home, now is a great time to at least start your search and make your wish list.
There is no better time to lock in a historically low mortgage rate. Contact Texas Lending at 888.228.8196 today for more information.
