在德克萨斯州购买房屋的步骤
拥有住房的8个步骤
Have you ever been so excited for something that you did not stop to think about the course of action taken in order achieve the end goal? Whether you are an experienced home buyer and have been involved in multiple real estate transactions; or you are a novice buyer and all you can think of is owning a piece of Texas. This article provides the steps you to follow when you are on the hunt for your piece of paradise to call home.
德州的购房流程是怎样的?
步骤1:
整理好你的财务状况. Having all finances in order will help determine a house budget. 花点时间确定年收入, 首付, money set aside to cover any closing costs and fees that will come with a mortgage. There are multiple things to consider when getting finances in order, it may be that a time line needs to be followed to build credit in order to have a better mortgage rate.
步骤2:
联系 the Lender: Once a lender has been chosen and financial eligibility has been determined, 选择贷款类型将是下一步. 有多种贷款选择 常规贷款，VA贷款和联邦住房管理局贷款.
In Texas, there are a large number of Veteran Buyers that are eligible to use a 美国退伍军人事务部贷款. This type of loan is reserved for Veterans who have served in the armed forces.
也有选项a 美国农业部(USDA. 农业署长贷款 as well as another commonly used loan for home buyers is the 联邦住房管理局贷款. Talking to a lender about financial affordability and determining possible programs a buyer can qualify for
步骤3:
Finding an agent may seem like an obvious choice for next step, 但在社交媒体盛行的今天, 互联网, or recommendations from friends and family; there are many people who simply do not know what it means to obtain proper representation. The protections that a qualified and knowledgeable agent will provide can save their client thousands of dollars in a transaction.
A Real Estate Professional should be knowledgeable in the area, 属性类型, 以及网上正规的彩票网站合同. This legally binding document needs to have a well-versed agent in your corner to guide you accurately! An agent should know the contract front and back and be able to guide any buyer to every option they have to cancel the contract if the need should ever arise. Y
Once you have decided on an agent, it's time to start viewing properties!
步骤4:
找一个家并报价
现在有了选定的特工，还有 寻找完美的家 已经定稿了，现在该写报价了吗. Some of the information an agent should be gathering and using to help write a strong offer are; How long has the home sat on the market? What are the comparable properties in the area that have recently sold or are currently on the market? What are the price ranges and how do they calculate to any offers written for the subject property? A good agent will find the answers to all of this and help their client have a solid offer and a chance to obtain the property they want.
步骤5:
根据合同
There will be many dates to keep track of once there is an accepted offer. The first important date of a contract is also the first protection a buyer has. 这段时间被称为 选择期. This is a set number of days agreed upon in the contract that allows the buyer to inspect the home. Buyers are able to hire an independent inspector to check the property.
一旦期权期限到期, if the transaction is moving forward then escrow is opened and the transaction moves forward. The next stages include financing deadlines, survey deadlines, appraisals and much more. When a contract is written correctly these will all give the buyer multiple ways of protecting themselves against a bad deal with an option to terminate the contract in a legal manner. This is why it is so very important to have a representative in your corner to keep track of all of these dates to ensure nothing is missed
步骤6:
评估
This is ordered by the lender to ensure the home is valued at the minimum amount of the loan. If the appraisal is below the contract price, negotiations resume.
第七步:
抵押贷款承销和产权搜索
The Mortgage underwriting process is the next step to closing on a home. The Underwriter will look at the ability of the borrower to repay the loan, asses the risk in defaulting on the loan and either approve or decline the loan.
Concurrently with in the time of underwriting, the title company is conducting a title search. 这意味着要调查房产历史, including any legal actions such as liens that may affect a clear title. 一旦所有物品都被认为是干净的，没有阻碍, the title company will then issue title insurance that protects the lender, 确保研究的有效性.
第八步:
关闭
This brings us to the end of our journey and into your dream home! One of the last steps after clear to close is for the seller to have the home prepared and all moved out so a buyer can perform their final walk through. 这将给买家最后一次机会, 和他们的代理人, to view the property confirm all repairs and the condition of the property is as agreed. Once confirmed, the buyers should be ready to sign the final paperwork!
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