Pittsburgh Home for save time and money

5 Little Known Facts to Help You Buy Your First Pittsburgh Home

Many of us have dreamt of owning our own home and today, it seems more possible than ever. Still, some people feel like that can’t buy a home because of some financial limiting factors. Look into these 5 options before writing off the possibility. Less Down Payment - Check into the local Pittsburgh programs and federal programs available. Some programs, like first time home buyers, will allow you to qualify for a loan even if your spouse has owned a home before, as long as your name was not on the loan. Lender Down Payment Assistance - Sometimes, if you are debt-free and own an asset free and clear, your Pittsburgh lender will loan you the money for your down payment. Seller Financing - Some sellers are willing to finance a portion of the purchase price - like having a second mortgage with a lending institution.

Cash Down Payment Without the Debt - You may be able to borrow a certain amount against investments. Talk with your Pittsburgh lender about your options. Buy Even With Bad Credit - Some institutions will consider you for a mortgage if you can come up with more than the minimum down-payment or secure the loan with other equity. If you think you may be able to qualify for a loan, then take the time to talk with a Pittsburgh lender that specializes in mortgages. Talking with them won’t cost you anything. You could be pleasantly surprised!




 10 Steps to Save You Time and Money

 As you get ready to shop for a new home in Pittsburgh, you will notice that there are more resale homes on the market than new homes. Both resales and new homes offer their own advantages. New homes offer better energy efficiency, a choice of upgrades and everything is new. Resales are often in established neighborhoods and the homes have already settled. If you are thinking buying a new home in Pittsburgh, first consider these 10 points before visiting your first model home. Talk to your Pittsburgh Realtor - Determine what price range you will be comfortable paying for a new home versus a larger resale home. Sellers’ Agent vs. Buyers’ Agent - Realize that the agent sitting in the model home represents the builder, not you. In order to protect yourself and your investment, hire a Pittsburgh Buyer’s Agent that is knowledgeable about construction, warranties, financing, quality and lot selection, so that you get the best value.

 Builder Specialties - Builders specialize in different things. Some specialize in craftsmanship, innovative use of space, low financing, customer attention during construction and after closing. Identify what is important to you. Know Your Builder - Check out the financial strength and reputation of the builder before making a financial decision. Check Out the Neighborhood - Explore what amenities the community has to offer, what financial reserves have been set aside to repair major amenities, review the homeowner’s association rules and consider how the commute to work will affect you. Options/Upgrades - When buying a new home, consider any free options or upgrades that the builder might be offering.

Then consider adding items that will add value to the home, such as a sunroom, powder room, upgraded kitchen cabinets, counter-tops, appliances and carpeting. Negotiating -Builders typically have room for negotiating on price, options and upgrades. Inquire about homes that haven’t sold yet and “premium” lots. Protect Yourself in the Contract - When writing the contract for the purchase of your home, be sure that it clearly states the details about the upgrades, allows you access to the construction site during the building process and that you receive an explanation of what the fine print means in the builder’s and manufacturer’s warranties. Financing.

 Builder’s can typically offer special financing packages. However, lenders can be quite competitive. Make sure you shop around and ask about appraisal and survey prices, attorney and closing fees. Get an Independent Inspection - Just because it’s new and being built by a builder you have researched and trust, doesn’t mean that you should forgo an independent inspection.

Hire a reputable Pittsburgh Inspector to walk through the property and help you build a punch list of items that need to be corrected prior to closing.

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