If you’re considering a major move, and a major financial purchase, you want to be able to do it correctly. You want the best price for the home your family needs, in the best area possible. What sort of things do you absolutely not want to do when considering a new home purchase?

Make Major Financial Changes

According to Bankrate, just before buying a new home is not traditionally the time to make major changes in the other aspects of your life! After all, you need your credit score to stay nice and steady so you can get a great deal on your loan! You want to avoid opening or closing other major lines of credit, stay in your job, and not make any other major purchases in the months in advance of buying your new home. Plan ahead as far as possible, if you know you do have to change jobs or make other changes.

Waive the Inspection

According to J Bixler Inspections, a general inspection will cover HVAC, plumbing and electrical systems. You might want to get done with the purchase or just think this is unnecessary, but nothing is further than the truth. Many homeowners have discovered a plumbing issue which appears just after purchase, or a non-working heater the moment it gets cool in winter. You want to know in advance that those things have been thoroughly inspected, so that you are not liable for them in your new home, should an emergency arise. Your homeowner’s insurance needs to know in advance that you’ve done your due diligence, as well.

Skimp On Down Payment

According to Nerd Wallet, one of the mistakes home buyers are prone to making is just saving up the bare minimum for a down payment. While there are many great loan options that require less than 5% down of the overall house cost, going for that option isn’t always the best. Many homeowners look back at their mortgage agreement and say that they wished they’d saved up more. When your down payment is larger, your mortgage rate is much lower, so save as much as you can in preparation for your purchase!

Everything in the system is made to make sure your appraisal, inspection, insuring, and mortgage work according to plan! Both you and the sellers are motivated to do this transaction. It will just be a little while longer until you are in your new home!

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