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Where do I start the home buying process? I have never done this before

This is always a great questions. May folks are unsure as to where they should begin when they begin home shopping. Knowing your finances is a great start. You'll want to know your credit score, what your monthly expendable income is (can include any rent you are paying), and know your timeline. 

If you are unsure what your credit score is, check out Credit Karma. This site is actually free and will show you everything that is attached to your credit profile and will alert you when changes occur. If anything you see is inaccurate, this is a good time to dispute those. 

If all looks good with your credit profile, you'll want to have a minimum of a 620 to qualify for most banking programs; now it's time to contact a lender. The reason we suggest starting with a lender is you want to make sure your financial profile will fit into banking guidelines. You'll be able to do a quick pre-qualification process which will determine usable income and serve as a basis of affordability. Bring your prequal with you to meet your realtor, as this will set the parameters of what you can shop for. This is the best route of action as you don't want to fall in love with the PERFECT house only to find out you cannot afford it! That's no fun! 

Here at O'Rourke Realty, we have many great contacts at local banks, and we are happy to connect you with them. Reputable lenders are very important, as they know the area, know the properties, and know what programs will fit for which. I would recommend asking a realtor who they recommend for financing and WHY. At O'Rourke Realty, we recommend lenders that we and our clients have had great experiences with and that know their stuff! 

Once you have become prequalified, then it is time to begin your house hunting! O'Rourke Realty's Team is happy to assist your search, inquire online, email us at info@orourkenh.com, or give us a call today at 855-WHT-MTNS (855-948-6867)!! 

NEW LISTING at 17 Ephraim Page Rd, Wentworth NH

New to the market on 3.22 acres at 17 Ephraim Page Rd, Wentworth NH. Step back in time to this historic landmark. The Ephriam Page house after many upgrades and renovations is ready for new owners. Sellers moving south. Plenty of space to spread out with 4 bedrooms and 2 baths, large family room on main level with a more formal living room adjacent. 4 Fireplaces, and some unique brickwork. Air Lock breezeway at the main entrance, which is an added bonus for winters. Looking for privacy? Here it is....only 2 homes on this street, property haHistoric Colonial in Quaint Wentworth, New Hampshires over 3 acres and several outbuildings. Beautiful studio out back formerly the home of an antique shop, would make a great art studio or photography shop, enjoy high ceilings and hardwood floors throughout with a back room and loading dock in case you need deliveries! In addition to the 2 car attached there is a detached 2 car garage as well, all on electric openers. Come take a look down this tree covered road, and really take advantage of that country mountain feel! 

Check out the full listing at http://www.orourkenh.com/listing/4602875/17-ephraim-page-wentworth-nh-03282/ 

 

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Welcome to our new blog!

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We look forward to making this the best resource for information about real estate, our local area, and current topics that impact you. Please feel free to comment on our posts if you have questions or reactions to share. If there is anything you'd like to see us write about, we'd love to hear your ideas.

    Comments

    1. No comments. Be the first to comment.

    Welcome to our new blog!

    We look forward to making this the best resource for information about real estate, our local area, and current topics that impact you. Please feel free to comment on our posts if you have questions or reactions to share. If there is anything you'd like to see us write about, we'd love to hear your ideas.

      Comments

      1. No comments. Be the first to comment.