Top Home Buying Tips

Buying a home isn't something you do every day. So we've put together some top tips to help you make your home search as successful—and enjoyable—as possible.

Understand the actual costs of your new home.

Your mortgage payment and escrow are your most obvious expense. But you'll also have additional expenses that may not pop up every month. Unexpected repairs, higher utility bills, HOA fees, higher property taxes—all of those costs can add up and surprise you if you're not prepared.

Know the difference between your must-haves and want-to-haves.

Make a list and create two columns: in one, put what you absolutely have to have in a home. In the second, list the features you'd like to have but could live without. Having your needs and wants laid out can help you better narrow down your search, and can potentially keep you from falling in love with a home that, ultimately, isn't right for your needs.

Don't forget the neighbors.

You're buying a house—but you're also buying the location, the neighborhood and the neighbors. Be sure to take a look around the area as you're scoping out new homes. What are the neighbors like? Is the location near amenities you're looking for? Is it a good school district? Remember, the perfect house isn't "perfect" if it's not in a location that works for you.

Be smart when making an offer.

Thoughtfully and carefully consider your bid when it's time to make one. You don't want to risk offending the seller, but you also don't want to overpay. Your real estate agent can help you determine a fair and reasonable bid based on the neighborhood, the condition of the home and how long it has been on the market.

There are many moving pieces to buying a home. Luckily, you have a team available here at KS StateBank to take care of all the details. We can work with you and your realtor to make your next purchase as fast and hassle-free as possible. Contact us today to learn more.

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