Buying a home over the holidays has its perks. For example, you are likely to have less competition, and interest rates tend to be low during this time of the year. However, the season has its unique hurdles that are best handled by a professional real estate agent. Here are some of those hurdles:
The Pickings Are Slim
The holiday season tends to have fewer homes for sale compared to the other seasons.
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While lenders have become more strict in the last decade, people who have a solid credit history can still secure a good mortgage. With mortgage rates continuing to hover around 4%, the housing market continues to be a strong one. For buyers, this means that you can afford a home that you may not have been able to a few short years ago. For sellers, low mortgage rates can cause an inventory shortage of homes available for sale.
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Are you a senior planning to buy a house on mortgage and you are apprehensive about the process? If you are, you aren't alone because there are potential challenges that can complicate the process for you. Here are three examples of the challenges to expect:
Fraud
Financial fraud against seniors is rampant because the perpetrators believe that seniors are vulnerable to their tricks. Whether or not you are vulnerable, you are a target for these fraudsters simply because you are a senior member of the society.
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Shopping for a home is often said to be one of the most expensive purchases that most families will make. Since most home viewings last only a few moments, however, buyers are under tremendous pressure to choose the best possible home in which to invest. If you are currently looking at homes for sale or plan to do so in the near future, consider using the following information to help you spot condition clues that can help you eliminate potential money pits and select a home that your family will love for generations to come.
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Life happens while we're making other plans, and unexpected events can make it necessary to downsize for financial reasons. Without proper planning, you may find yourself with too many possessions in your new place. Being savvy when viewing apartments can save hassles later.
Essentials to Take to the Viewing
To make informed decisions, you need good tools. A 25-foot measuring tape, pencils with erasers, and a standard-sized notebook are essential. A camera is also valuable so you can see the rooms again at home.
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