7 TIPS TO BUYING A HOUSE

The home buying process can seem complicated, but if you take things step-by-step,
you will soon be holding the keys to your own home!

Step 1: Figure out how much you can afford
What you can afford depends on your income, credit rating, current monthly expenses,
down payment and the interest rate. It is best to visit a lender to find out for sure.

Step 2: Know your rights

Step 3: Shop for a loan
Save money by doing your homework. Talk to several lenders, compare costs and interest rates,
negotiate to get a better deal. Consider getting pre-approved for a loan.

Step 4: Shop for a home

Step 5: Make an offer
Discuss the process with your real estate agent. If the seller counters your offer,
you may need to negotiate until you both agree to the terms of the sale.

Step 6: Get a home inspection
Make your offer contingent on a home inspection. An inspection will tell you about the condition of the home, and can help you avoid buying a home that needs major repairs.

Step 7: Sign papers
You're finally ready to go to "closing." Be sure to read everything before you sign!

REAL ESTATE TIP
Landscaping Increases Home Value

The secret is out! Improving your home's landscaping is a great way to increase your property value. Studies have shown that good landscaping design and layout can increase the value of a home by 7 to 14 percent.

In addition to increasing home value, other benefits include:
• Reducing energy expenditures.
• Improving your property's appearance.
• Maximize usable space.